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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

NailPost

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Everything posted by NailPost

  1. NailPost
    They'll have bought the debt for pennies in the pound so even offering a substantial discount means its a return for them. In buying what might amount to thousands of accounts they'll have received just the bare minimumof information so if you play hardball and insist they provide every last scrap of detail they are required to hold before they can enforce they will lose out. They can of course hit back and trash your credit file for years. Its your call - but that had better be in writing rather than by phone. But if your boyfriend does call em again get him to tell the script merchant, the call is being recorded and see how long it takes them to hang up on you!
  2. NailPost
    Assuming you've not been served with the promised SD then?
  3. NailPost
    In your letter to the compliance manager point out the comments made about your credit file by the cretins that works for his company. Insist that they make good their comments by paying you an appropriate sum that repays your costs, time spent chasing them up and a sum on top in comensation. Add you are copying their regulators into the correspondence and that a complaint is imminent. Hitting them in the credit balance may go some way to making these firms toe the line (law!).
  4. NailPost
    Barry has used words like these before but he still hasn't got the hang of it. If anyone visits you at your home you don't have to let him/her/it in. You are not "contractually obliged" as per the loan agreement to even talk to their agent. They appear to have not yet proved to you they have the right to collect this alleged debt. If/when their muppet calls round ask him to identify themselves, make a note of it, and then tell em to sling his hook. The same advice applies - do not phone them, if you to contact them you will write and they must repond in writing. get them to practice their best joined up.
  5. NailPost
    The delay makes me think they heave realised they have done a whoopsie and are trying to rub two brain cells together to cobble an explanation together. Putting pressure on them via the FOS/OFT and Trading Standards can only be a good thing.
  6. NailPost
    when was the last payment?
  7. NailPost
    Clouding the issue or not Moorcroft (spelling mistake) need to be certain of their facts in order to make anyone pay any money they believe is owed to them or their clients. Unless they can prove unequivocally the money is due then tough they don't get any. That should not take a three page letter to explain to these cretins.
  8. NailPost
    Seems to me these solicitors are really chancing their luck!
  9. NailPost
    If they are acting contrary to a court order a judge may consider it a contempt. That could spell trouble for the company!
  10. NailPost
    Its a non-priority, unsecured debt. Life comes first. If you're late paying what difference does it make?
  11. NailPost
    I had the same trouble with Barclaycard who, for some reason, had my mobile number for a woman who lived many miles from me and who was behind with payments. I also had the same difficulties with a garage and a dentist surgery who rang my number for the same woman. Telling the Barclaycard callers they had the wrong number did not seem to register. Eventually B'card passed the account to a debt collector. At this point I e-mailed Barclaycard and the collector informing them in no uncertain terms the number they held for their customer was wrong. I demanded confirmation by return the number would be removed from their databases and informed them any further contact - it was getting beyond a joke - would result in action being taken against them. The calls ceased.
  12. NailPost
    If this has been going on for umpteen years and you have paid nothing, and crucially not acknowledged the debt to anyone, just send the statute barred letter and ignore their stupid letter.
  13. NailPost
    Send the blighters a note thanking them for their trouble (scarcastic) and ask them for the name of the payee bank and the last four digits of the account from which the loan was to be repaid. I'd bet my lottery winnings they won't match with your dad's bank details.
  14. NailPost
    Keep a copy of the letter, send it recorded, keep the receipt and in a few days time check the Royal Mail website for delivery details and print that off. Later get a copy of the signature obtained by the postman. If Ruthbridge continue to play silly games you have enough evidence to complain to their regulators.
  15. NailPost
    Its probably Bryan chancing his arm and trying to get you to pay more. If that's the case shop him to the county court judge that set the rate.
  16. NailPost
    Best advice is to fire off letters demanding documentary proof of this debt. Ignore MHall's pathetic attempts at intimidation. A letter arriving at the weekend demanding a huge sum of money to be paid by the following money is a sure fire way of getting a complaint registered against it. I would also write to the east Ayrshire Trading Standards dept to lodge a formal complaint about their behaviour.
  17. NailPost
    Send the email to the OFT and ask them to consider the firm's fitness to exist. Do the same with their local trading standards department.
  18. NailPost
    Their ability to cope with the DPA should be questioned. They don't seem to bothered getting hold of the right person if they're phoning a workplace. I would respond and tell them you're shopping them to the authorities and further calls, texts etc to your phones will be logged and used against them at the appropriate time and place.
  19. NailPost
    It wouldn't work for millions of people, I mean, who has a photocopier in the house?
  20. NailPost
    Send MHall an email - backed up in writing via recorded delivery - stating you have no wish to discuss any matters with them on the phone and that all contact must be in writing. Add they must delete your telephone contact details from the systems and that they confirm this in writing within seven days. You could add this is the first step to making a complaint about their shoddy actions to the relevant authorities.
  21. NailPost
    MHall and proper paperwork? They'll struggle so it is a good idea to ask them for documentary proof. However at this point it seems MH are only fishing. They don't seem to know your address for certain. Perhaps until something more meaningful turns up you could just ignore them.
  22. NailPost
    Remind Vodafone that as Carter is only their agent they should take heed of your concerns about this matter. You could also remind them as Carter is their agent they are equally responsible for any actions he may take - such as adding charges.
  23. NailPost
    When Credit Today requested comment from Cartmel (insovency practitioner), a spokesperson for Cartmel’s firm said it was company policy not to issue press releases or comment to the media. So presumably they wouln't answer any questions from anyone chased by this company to pay money they didn't owe. I thought liquidators appointed to deal with the messd had a duty to be transparent in their actions and be seen to be dealing with everyone fairly.
  24. NailPost
    Don't phone anyone. Write to the OC and insist on a written statement that this matter is statute barred
  25. NailPost
    First time in court for (ex)boss of MHall? Wonder if judgement is made against him if he will receive some mail from his old company.

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