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simonjohn

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Everything posted by simonjohn

  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  7. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  8. Did the Baliffs enter your property. Were they county court baliffs ? Is this a consumer regulated debt under the consumer credit act 1974. ?
  9. Please explain what or any part of my advise is FOTL Please also explain how many claims you have been involved with Asset claims and investigations ? Other than giving advice on this forum ???
  10. Is that quip Aimed at me FOTL ???? DX100uk I seriously dont think that you have the correct handle on this company. They will and do continue claims with vexation, as you know well dx 100 so to say that the other poster should hear no more is a tad missleading
  11. This Is my Opinion Andyorch, Asset collections and investigations are not the owners or debt buyers of these Alleged Debts. In Fact one would go so far as to suggest that they are of the same company.. 1) Any Debt buyer would register in their own name and would show such on an individuals credit file. ( in my case my so called debt was purchased by this company 4 years ago) 2) They would not provide different Assignment dates on letters of assignment. 3) They would not shy from any court hearings when challenged on issues 1 &2 .
  12. Look You need to put Asset Collection and Investigation to Strict Proof that they Actually own the alleged debt by Transfer. You need to see or be in receipt of a copy of the Deed of assignment and you need to re-enforce this in your Defence. A letter of assignment is just that. A letter. Its not proof that it has been properly Assigned. I have been through 2 claims with the company for the same, each time I have raised the issue in my defence they have backed of from providing a full deed and the claim has not progressed. In two of the claims I have asked
  13. Firstly if a new consumer unit has been installed Then there should be an E.I.C not an E.I.C.R. Secondly the new consumer unit is classed as Notifiable work under part P of the building regulations and recorded with the local Authority building control, unless its been fitted by a mate of a mate or a man down the pub. Instead of running around in circles I would suggest that you do a google search on Planning and building control in the area you live, usually planning portal type your address in the search for building control and it will list the Notifiable works that have b
  14. As I understand it A Default notice must not misstate the arrears and by adding charges to the amount does just that.. Unlike overdraft and bank charges which are deemed a fee for a service, loans credit card charges are not a fee for a service and are assessible for fairness under UTCCR.
  15. I would also take a look at page 8 of the pdf Fixed sum lending agreement £8 default charge for arrears Not back in 2013 it wasnt It was £10 They may charge £8 now which gives rise to my suspicion that the agreement provided is not original or even properly reconstructed.
  16. The Fact is I dont think Asset collections have any intention of Attending court and are relying on the court to rubber stamp their claim. If you can you need to Attend. If only to cast any doubt to Their Claim. But as you Have been asked. 1, Did you enter a defence ? 2, Did you receive their Witness Statement ? 3, How Did you respond to their Witness Statement. Let us Know please +3 Oh by the way This Company does not,in, My experience respond anything. Be that a Directions Questionaire Or Witness statements Or comply with Judge'
  17. Just for Information, I don't know if you are aware but T.M. Legal services ltd Have a financial charge over Asset collections & Investigations ltd. It is dated the 21st June 2016, which coincidentaly Is the same date as most if not all Notice of Assignments sent by Asset Collections. Something smells Fishy Here ???
  18. Hi dx100. Without giving to much of the game away this is in relation to a PDL from 2011. I never received the default notice at the time. It was subsequently Assigned to a DCA and then re-assigned. Have had threats of court action, so I sent a pre action conduct request the the current DCA and they sent loads of info including a copy of the default notice, which according to the date it was written does not give the required 14 days to remedy. Also includes added to the arrears £12 default charge and £ 10 missed payment fee
  19. Can a default notice include unfair charges as part of the arrears ?
  20. Of course Andy. After writing to Bryan carter by recorded delivery requesting their bank details ,received a response with their bank details. However In the interim Bryan carter must have taken back the account from Lowell and when I checked the mybryancarter account section as I have been doing so daily found that the balance had been restored from zero to the amount that was outstanding so paid on their website. Received an apology from bryan carter for the inconvienence caused but no explanation as to why Lowell took the account back with one payment remaining.
  21. Im already registerd on his site, attempted to make payment but came up with payment not authourised. trying to get his bank details. not on any of the letters ive received. He's not responded to my email and recorded delivery letter requesting these Thanks anyway
  22. Anyone know how to transcribe recorded telephone calls and in what format for court use. Thanks
  23. Also with each payment through their website I have downloaded each payment through their PDF download screen
  24. It is the 29th of January. as per my post I have contacted Bryan carter, who passed my onto Lowell, who then passed me onto fredricksons who then passed me back to Byan carters Have to say that I have recorded all my calls with them
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