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EveOwes

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Everything posted by EveOwes

  1. If Im in and answer the door I will tell them to leave, and record it. But might be better to not be there. Thanks for the advice and for the register snapshot.
  2. Thanks DX useful to know. Two men is a bit mob handed though, so I will perhaps go out for the day or something. But if I bump into them I will not engage, just hope the kids don't see them - you know what kids are like, can't resist being 'helpful'. These lot don't sound very nice to be honest. Seems like they don't care what tactics they use.
  3. Hi We got another letter today, this time threatening to attend our property etc - I will attach a copy I won't answer the door, there's going to be two of them, and I will have young kids here - don't know what to do and feel threatened by this now. I will be scared to go near my front door or leave the house etc...... Help, what should I do? thanks
  4. Thanks Ericsbrother, that's useful to know. I find it odd that a posh golf club would still be pursuing this four years later when they've had £450 for the room anyway. Seems an odd 'debt' to chase after all these years. Oh, and we got chaser letter today from Mercantile this time threatening all sort of awful things if we didn't pay up, along the lines of if our client wins in court they can arrange for your goods to be removed, and this is your last chance to pay and you leave us no alternative but to advise our client to proceed with court action...... Can't remember the exact wording, letter's been put away somewhere, but it seemed inappropriate. I will just wait and see where this goes. Thanks for the help and advice.
  5. Thanks DX. So does that mean we should ignore it until we receive a PAP letter?
  6. The above named is the golf club in the subject header The letter was signed for and on behalf of PACE Credit Control, t/a Mercantile Legal & Commercial Services.
  7. thanks DX but the exact wording on their letter is: "We act on behalf of the above named to whom you are indebted in the sum of £696.50 being the balance outstanding on invoice number 11030 copy enclosed. Unless we receive your remittance for such sum within 7 days of the date of this letter, payment to be made in favour of ourselves, we will have no alternative but to issue immediate court proceedings for recovery of the debt, which will render you liable to costs and interest at a rate of 8% per annum. If you have any legitimate dispute or reason for non-payment you should provide us with the relevant details within the next 7 days, failing which we will assume that there is no dispute or reason for non-payment and in default of payment will issue court proceedings against you as mentioned above without further notice." It was signed for and on behalf of PACE Credit Control, t/a Mercantile Legal & Commercial Services. The name PACE rings a bell with me - I'm trying to remember if they took us to court a couple of years ago for a parking charge vis Gladstone Brooks. But as you can see there is lots of 'we will' used in letter. thanks for your time.
  8. Hi. I don't know if anybody can help but was wondering if any of you had heard anything about this firm from Liverpool or had any dealings with them. There is an alleged outstanding debt we had with a golf club from 4 years ago. A family member arranged to throw a surprise birthday party for a couple of people but when one of them found out he made a fuss so the event was cancelled. £445 was paid as a deposit which was not refunded and which was the cost of the room hire. An amount of £696 was outstanding for food but the event was cancelled several weeks before and we do not have any copy of terms and conditions. This was forgotten about since they had taken the hefty deposit, until this week. Mercantile Legal & Commercial Services are threatening a claim through court if we don't settle within 7 days or provide reason as to why we believe the money isn't owed. We have no proof or paperwork anymore, and thinking about it £445 for the room is adequate compensation we believe considering they were providing nothing else. The food wasn't even discussed in detail - it was just a buffet at £9 a head. So the ball is in our court to either dispute the claim - presumably with some evidence - or be prepared to be taken to small claims court. That's what they say in their letter. They also state that all payments should be in favour of Mercantile. If we dispute the claim on the basis above then we are admitting to it sort of, and if we don't they've already stated they will see that as an admission and go to court. Please help, any advice would be appreciated. thanks
  9. Thanks Jamberson, I can see your logic, but with three tickets and three separate bodies I am looking at a further £700 approx in EA visits. And I'm sure they will visit just to earn that fee income. I will write to them all and see what happens. Can they force their way into your house? Are they the sort of bailiffs you see on the tv?
  10. I spoke with TFL and they don't care and will send it to enforcement who can seize my goods etc.
  11. Hi I've got two PCNs from two different London boroughs and a congestion charge from TFL. The two PCNs have been sent to the traffic enforcement people for a warrant to be issued. The TFL one is probably going down that road now I reckon as it went from £80 to £160 and now at £240 to be paid by last week. I called the traffic enforcement people and they told me to approach the councils to ask for time to pay. Ditto TFL. I tried for several months with the councils but they won't give me time to pay which is why the tickets have gone from like £60 to £128 and £173. Actually the £128 ticket didn't respond to my emails at all. TFL are horrible anyway so not sure it's worth even calling them. I wasn't even aware I had entered the congestion charge zone until I got the ticket about a week later but I didn't have the money to pay for it. Does anybody have any advice for me - or is anyone familiar with what might happen next. None of these tickets were intentional on my part, but it's either heat the home, buy food or pay these - well actually cannot pay these as they cost more than the food and heating combined for a month or so. I don't know whether to offer each of them £5 a month or what. If anyone can advise I would be very grateful. thanks
  12. Hi. Didn't know what I was signing though - I thought (was given the impression) it was a formality. I've been doing some reading and it seems these people are good at getting people to sign and not giving cautions etc. The caution would set off anyone's alarm bells which is probably why many of them don't actually issue it. Nasty pieces of work. I will plead guilty, but will follow up my complaint against the person that mislead me. thanks
  13. ok thanks. I will just send it back and hope for the best.
  14. Hi I have been summonsed by the TV license people. TV licensing cancelled my DD when it bounced. I hadn't noticed as I'm always broke so there's not much point checking bank app. Being a quarterly bill as well made me forget about it. They wrote to me and I phoned them and they said they would send me out a card to use at PayPoint to pay for a license. I never received this card. Next thing I get this guy at the door being all friendly like and asking about licence and TV usage. I told him I play prerecorded stuff for the kids (which is true as I don't watch TV hardly at all). He noticed I had a sky dish. He told me about the weekly payment plan scheme and said he would sign me up for it and pulled out a temporary card and leaflet. He placed this over his clipboard as he gave me the form to sign. He said I would not have any further problems. Once i was inside I looked at the form I signed and at the top it had a caution. This was never mentioned and I wasn't aware of it. He stated on the form that the interview commenced at 5.33pm and ended at 5.35pm - yet it took a lot longer than that explaining the payment system to me and asking me other questions. He has literally lied as well by just making up answers - nothing major but nevertheless... I used the simple payment plan to make payments but whenever i log into it it says I am up to date with payments and gives me next payment date. Looking back I may have overlooked one or two but it's never flagged that up so I keep thinking I'm doing ok with it. Then I get the intended prosecution in the post. TV licensing want £120 plus a victim charge plus a fine when it goes to a magistrate. I will have to plead guilty but surely he had a duty to read the caution to me - as I would have just closed the door or something?? Any quick advice please. thanks
  15. Hi Statements recreated/not original - why is that important? These look like they are computer generated. The CCA pre April 2007 seems (to my untrained eye) to contain the minimum requirements with possibly the exception of details of my right to cancel which isn't clarified and was 'sent in the post' to me. The signature is mine. I never requested a copy of the default notice.
  16. I must have received the PAP thing beforehand as I found it I think when filling in CAG questionnaire, but I didn't fill it in as I was not answering/opening/responding to mail. So does this make a difference?
  17. Yeh, it's £20 council tax current home to clear debt, £15 to Rundles for another council tax debt for a property i didn't live in but couldn't sell due to being duped by freeholder (another story, and something I will try and deal with at some point but dates back to 2013 I think); the debt is quite high at approx £3k due to greedy council adding 50% for non-occupation, £10 parking ticket debt which was £435 cos of bailiff visit (council ticket) and which is nearly paid up now (about £20 left to pay), £3/m against a CCJ I had recently and total debt is around £500 incl court costs.
  18. Thanks Will. Not only is it deducted £ for £, it goes beyond the cut off threshold of £430 approx so I get nothing. I had to terminate my UC and go cap in hand to the council who topped up my money by £264 a month, which, after rent, gives me £154 to live on for the month - hence nothing really available for debt repayments at the moment. Of the £154 I am committed to payments of £48/month at present and that doesn't include food or travel or clothes or mobile, broadband share, etc. I am trying to start a new business now but it's taking time to get capital to buy stock and materials. I don't even have my old car anymore. Apologies if it sounds like I'm playing the world's tiniest violin - I'm not - just trying to emphasise why I need help dealing with Lowell et al. I get little time as I'm always looking after grandkids and then housework and job hunting or reading up on skills I need for new venture etc. I'm worn out and tend not to go online until midnight and can't find papers I need etc - I know I'm a nightmare DX but not meaning to be
  19. PM to poster do you mean? I have no evidence I contacted them, it was a phone call a couple of years ago. They said they would send me some stuff to complete about finances but I never received it but they kept adding interest and charges. This has happened twice with them when I've been short of cash. HoF don't care and kept adding costs.
  20. Hi, I think they've sent me most of the docs I requested. I might not have seen the notice of termination this time but not sure if i still have it if they sent me it at all. Copy of agreement - not sure if there's anymore than the original application?? Plus none of the docs were provided promptly - I waited weeks for them. Below are extracts from the CPR and CCA letters I sent. If you guys don't have time to steer me on this I will fight on the basis that the statement is full of charges and interest and that's despite me contacting them about hardship. I consider the capital debt has been paid. [CPR template removed - DX]
  21. So is the PAP important when dealing with mediation? Lowell appear to be reasonable in writing but don't know what they're really like. They can't have what I haven't got. My finances are at their limit already? Think I might need to go to a Community Debt Advice centre near me and see if they can agree outcomes I can't keep promising money to firms just because they take me to court, because if i default then it gets worse doesn't it.
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