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Pudwud100

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  1. Hi everyone Yep basically you DON'T deal with JES. They are just a post office masquerading as thugs. Treat them with the contempt they deserve. Half of their so called directors are also directors for Credit G so, yes, they are the hard face of Credit G and a DORMANT company cannot accept payments. Now I got Credit G eating out of my hand. Told 'em point blank (in writing of course) that I was having nothing to do with JES and that I was implementing the exact same payment arrangement that I had with the Housing Association so I control everything! My advice to He
  2. No no no. I have been a member of CAG long enough to know that you don't do phonecalls! I have strictly followed the CAG advice but I have tenancy arrears with a Housing Association from some years back. I had reached an agreement with the HA to pay these off at £20 a month and was doing so quite happily. It seems the HA couldn't be bothered to deal with me anymore and just passed it over to Credit G to collect who in turn passed it to JES (who are a "subsiduary" of Credit G). I have fired off several letters to JES asking them politely to confirm that
  3. Hi everyone I would just like to know if anyone else has had dealings with either of these companies. I have an ongoing issue with JES who have refused to tell me whether a debt has been assigned to them. (They do not seem to understand what "assigned" means). I have also found out from Companies House that they are a 'dormant' company. I may be wrong but are 'dormant' companies legally entitled to take money off people?
  4. Thank you again dx100uk but is Dodgeball correct about the 3 months rule?
  5. Thanks particularly to dx100uk. The £800 of arrears was racked up with MPLC over the course of 4 months because my wife who works in the childcare sector, and who is the principal earner in our family, was having a tough time workwise and ended up going through 3 jobs and then having to take agency work. MPLC weren't that bothered and we reached a verbal deal with them at the end of October. However, we had just successfully reclaimed a whole lot of "arrears monitoring charges" back off them although they wouldn't go back more than 3 years saying they didn't hav
  6. Hi I hope someone can point me in the right direction. I am having difficulty with both my mortgage company and Vanquis who are demanding I complete an Income & Expenditure form which is very intrusive as well as sending in 3 months worth of bank statements. I have recently had my mortgage transferred to Rooftop and I know there is MUCH on the Forum about those people. I am beginning to lose sleep about this situation and so is my wife. I have £800 of arrears on the mortgage and am able to overpay the monthly amount by £200 to clear this.
  7. Thank you unclebulgaria67 and ericsbrother. Useful advice. I would just like to ask one further question if I may. I offered originally to SSE what I felt was a reasonable and affordable payment arrangement. Why the matter went to LCS is because SSE flatly rejected my proposal and demanded that the full sum be paid in 2 equal instalments over 2 months which I couldn't afford then and still can't. Can I just implement myself what I proposed and what if they say I HAVE to deal with LCS?
  8. We used to be with SSE up until the summer and we were advised by them that we had a closing balance of £357.87. We were unable to pay this at the time and SSE were not prepared to wait for us to agree some sort of payment arrangement over a period of time because they wanted things settled there and then because we were leaving them. after the passage of some more time we heard from LCS who are saying they are authorised agents. I have never at any time had any communication from SSE that THEY were adding charges so I am assuming this is an attempt by the DCA to extra
  9. Hi everyone I hope someone out there can point me in the right direction on this one. I have an ongoing issue with a DCA called LCS who act for Scottish & Southern Energy (SSE). I have not, and of course will not speak to them on the phone. They have, after some time, responded to my letter to them asking if SSE had sold the debt. They have responded openly and said they are agents and the debt has NOT been sold on to them. They are trying to add on "recovery charges" of £71.57 and trying to say it is SSE that has done this.
  10. Hi everyone. I'm just after the best advice as to how to deal with Rossendales. Naturally I haven't and will not speak to them on the phone. They are claiming I owe a WTC overpayment of £139.07 from 2014. This would have been from the time when I was self-employed. I can just about remember getting some derisory amount of a couple of quid a week from way back. Could this be it? Anyway, I thought I would 'test the water' so to speak with them and wrote back asking if the debt had been assigned to them, knowing full well that HMRC doesn't assign debts. They came back with two lette
  11. Hi everyone. I have a comparitively small debt of £350 for gas and electricity supplied by Eon at a property I moved out of a year ago. Eon have got PastDue to "manage" and recover the debt but it has not (as far as I can tell) been assigned to them. I have followed previous Forum advice and told them I will only communicate with them in writing and offered them in writing £10 a month. They have now come back to me asking for confirmation that I owned or occupied the previous property; dates that I entered and vacated the property and confirmation of my date
  12. Hi, I'd be very grateful for some general advice on a few issues. I had a debt management plan for some time with xx DMP co.. and everything went along fine for some time and all the creditors were as happy as they were ever going to be and I got regular statements for a while. Then the statements stopped but I continued to make my payments each month. Round about the early part of this year I received a letter from another DMP co which said that they had taken over the old ones including their staff and even my personal adviser would stay the same! Right! That wa
  13. I would be very grateful for any advice on handling the following. In 2009, when employed by a local council, I took out a loan for a few hundred pounds through the area Credit Union. At the end of 2009 I left the council for personal reasons and embarked on the tricky road of being self-employed. I found I could not maintain payments to the CU and the loan defaulted. Earlier this year the CU passed the matter over to Newlyn who from the start were agressive and stated they would accept nothing but full payment. Regular phone calls commenced w
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