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I_feel_cheated

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  1. i thought so but who should I complain too. the OFT. I want to report this too as many governing bodies as possible, I am a UK taxpayer lol
  2. I have been using 247 moneybox for over a year now and have always paid on time. I have never been late with payment dispite them being rude and agressive, I had no one else to turn too last month my application was taking over a week so if it had been approved I would have paid for 28 days interest when in fact the period would have been 21 days, so I cancelled, or tried to but the person I spoke to said I had to abide by the rules and they have fees and operating costs and that I would have to go through with the loan. I sent an e-mail and got a phone call the next day and the chap cancelled it. I then reapplied and the proposed repayment amount was a lot less as the loan period was shorter but again the application was taking far too long, so I rang to cancel and got told the same story loans and loan applications could not be cancelled. Two days later my application got declined so I wrote to complain and did not get a response. Now I would like to complain about them, they should not be refuse a cancellation request. Also it got me thinking i've been paying for days interest before my loans have been approved and sent, always 3 - 4 days delay so over the last few years i estimate i paid for around 90 days of interest without getting the money - are they allowed to do this, they have never ever sent me a copy of my contract. thankfully my finances are back on track it was stupid of me to ever use these nasty bunch of people. I will go all the way including taking them to small claims court if they have inorrectly charged me interest
  3. I had a terrible situation today. my company received a automated call from CRS asking for 440.40 pence. My manager thought it was criminal record service trying to delete a record and he said he would have to check now if I have a record or not. I want to complain these sort of calls should not be made to my place of work, its very embarrasing Who shall I complain too...Also I owe them two loans, one for 440.40 and the other for 1100. I have paid back the principal amount and the oustanding balance is interest and fees. it was stupid of me I know, but part of me thinks that they should not have issued me with two loans at the same time with all the debt I already have. Lending stream are also sending me e-mails - so I'm getting chased by two parties. Also, they guy I spoke to at CRS, called Wesley said they could phone my place of work as i provided it at time of application, is this correct - if not CRS need to ensure they are following rules any help on who to compalin to or report the matter
  4. here is a full copy of the letter I received - obviously a standard letter just printed off - I doubt my letter was even fully read. Dear Mr XXXX Thank you for your recent letter. You will appreciate we are instructed to enforce distress warrant (s) immediately and in full. Any circumstrances relating to the the offence or contgravention are beyond our jurisdiction and we are unable to comment on the points you have raised. We regret therefore, we are unable to put this matter on hold or refrain from enforcing the warrant unless otherwise instructed by the Magistrate Court or the Local Authority. We would therefore advise full payment be made by return of post, failure to comply will result in a bailiff attending your premises, which will incur further costs and your goods may be at risk. NO FURTHER CORRESPONDENCE WILL BE ENTERED INTO. what a nice bunch of people eh.
  5. Hi tomtubby, I will send an e-mail to them, but to be honest I will only raise the point about my circumstances, the fact that they are charging me twice, I will play that hand later and use it more effectively to my advantage, if they want to play dirty bring it on. thanks for confirming that. anyway hopefully I'll speak to you tomorrow on your helpline. thanks again for all your time and help.
  6. just checked and I've been charged two lots of £175, as it was two separate fines. But they delivered the letter's at the same time so surely I don't have to pay £175 on both occasions.
  7. Hi everyone, thanks tomtubby for the access code sent that off to them with proof of JSA and also a letter which came with my most recent payment to prove I was still in receipt of JSA. They sent a letter back saying that they were unable to comment on the points I had raised. They then went on to say that they would not put the matter on hold and that if payment was not made in full a bailiff would attend which would incur extra costs. I have stopped claiming JSA but am not working, so I'm off the radar so to speak. I could start signing on. My mother has agreed to pay this off for me but can only afford £150 a month. My question to you is, do you think I can negociate with them a deal, for the above £150 a month, or shall I go and to this declaration thing at the court tomorrow, where I swear about the income and promise to pay. Any advice would be good. I'm nervous because although we have great security, high walls, porch doors, triple glazing, my mother is very gulluble. thanks
  8. this is my following draft. I understand Croydon Court has appointed you to recover my Unpaid fine. Due to my circumstances I am unable to pay this in one payment. I advocate a payment schedule of £20 pcm for xxx. I understand this may seem a long time but this is a realistic offer that is affordable, I have lost my job and am now in receipt of Jobseekers Allowance. A greater amount would cause me real and actual hardship. It should be noted that I am not at any point refusing to pay this debt but only asking for a fair payment period considering my circumstances. I have taken advice from CAB and Croydon court who have advised me to request you pass the debt back to Croydon Court, due to my personal circumstances and suffering from finicial hardship. Please also send an itemised statement of account that clearly shows what charges have been added and what for, you are required in statute to supply this information and I look forward to this within 14 days. I am sending the Croydon court a copy of this letter and requesting that it be filled with my account for further reference. I hope the above meets your approval and I look forward to your timely reply by letter. Yours faithfully,
  9. hi there, my brother had to phone Croydon Court today and they just happen to notice there is a warrant of distress out for my arresst. I phoned the courts spoke to a helpfull lady who advised me to phone drakes and advise them to pass the debt back to courts as I am now on jobseekers allowance, however as I previously stated on here I want to address the matter in writing, can someone help with me a template, I need to get this sorted asap, if no one can provide a template can you tell if the following letter would be good. will post shortly. Thanks
  10. I phoned Drakes and they were very unhelpfull, but I made it clear that I am not refusing to pay. I will send a recorded letter out tomorrow, however any advice in what to say in the letter would be great peeps, really concerned about this one. I've heard horrible stories about Drakes aned the lady I spoke to was very rude and put the phone down on me when I said I would like them to return the debt to the courts
  11. Hi, Did something rather daft and ended up with a fine of £443 which I agreed to pay £80 per month. Fell behind with payments due to me loosing my job. Letter received today from Drakes, who want the payment within 7 days and have added £88.60 If they don't get the money the letter says that they will attend to levy distress and thereafter remove goods and this action will involve a £175.00 my circumstances unemployed in receipt of benefit (jobseekers allowance) suffering from hardship. living with parent no car and nothing else of value to pay the debt. no children ideally I would like to get the dept passed back to the courts, and then for the courts to take £10 - £15 per month directly out of my benefit. where do I stand and whats the first thing I need to do. thanks
  12. looking at Kev he was spot on and took it as far as he did, and didn't back down only mistake was not getting help for his day in court, and of course being landed with that [email protected]@et of a judge. There's no way someone goes that far only to give up now, good luck mate. Lloyds must be bricking it, someone's gonna get the sack from this, I would'nt like to be the one at the agency to take the flack for this oversight.
  13. I very much doubt the bank would defend this at high court - however if they did decide to defend an appeal - Can you imagine the press coverage - the news, papers, internet - the first of its kind with Lloyds TSB right in the spotlight. I don't think they could handle the backlash either - I mean there would be tens of thousands of customers demanding refunds - they simply haven't got the logistics to deal with such a situation - it would burry them for months - the admin/staff - and the complaints. It would be all just too much and would run into millions - FWIT I think they are probably bitting there teeth. Good luck Kev - but for me business as usual
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