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emmyjay8

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About emmyjay8

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  1. Rang Ulsterbank (once again) about claiming the debited amount back - very unhelpful as usual, was indeed fobbed off! Basically told to call into local branch and fill out some sort of "Redemption" form!
  2. Will do, first thing Monday morning! Will keep ya posted! Thanks again H. x
  3. Hi Hallibutt, Think it is well over 6 years, statue barred indeed! Haven't made one single payment or acknowledged the debt in question, nor do I intend to Shall follow with letter!!
  4. Hi all, I too am being targeted by the famous Wetcloth/CSL, wrote to them last week telling them I had no knowledge of the so called 'Sky Subscribers Services' and could they prove it. They basically just responded asking me to confirm my previous address and D.O.B. Haven't bothered replying to them but every week I am getting threatened by a 'Doorstep Collector' which I apparently have been referred to! Will just have to wait for the knock!! ......... To be continued............
  5. Hi Halibutt, Haven't got around yet to sending off the fee for CCA but did actually receive another letter in post today from them as follows: Dear Miss ......... MAKE ME AN OFFER Original Lender: EGG Our Client: ARROW GLOBAL LIMITED Account No: ............................... Clarity Ref: .............................. Balance: £963.27 Our client will shortly recall your case for further action. [As time is running out our client has advised us that they will consider any offer, however small, to settle the balance. Settlement could be via a one off payment or a series of payments.] I very much hope that you can take advantage of this offer. However, if you are not in a position to do so then you should contact us and tell us about your current situation. That way we can work with you and advise you on the best course of action. We very much look forward to hearing from you. Call us on 0844 561 1715 Yours sincerely Collections Department What do you think I should do about this latest response? Just ignore? The debt isn't even on my credit file!! xx
  6. I recently took out a new contract with Dialaphone. Checked my bank account and was amazed to see that £20.94 had been debited for 'Gadget Helpline'!! ??? So I decided to contact this 'Gadget Helpline' which I apparently had "signed up" for! Received the WORST EVER customer service from a so-called Helpline Administrator going by the name of "Nadia", (second name not given)! My story is as follows: Email from me to "Nadia" On 8/6/2013 a direct debit was taken by TMTI from my current account. I have no knowledge of ever wanting or hearing about this service and demand a full refund of £20.94 be given to me. I have not had any correspondence from TMTI or given any permission of a Direct Debit to be set-up on my bank account! Please rectify this matter and advise of same. Regards, Response: Thank you for contacting Gadget Helpline. Unfortunately you did not provide any details for us to bring up any account. If you could please provide us your address and postcode or direct debit reference number we can confirm if you have an account with us. Alternatively please call 08444 772 995 (national rate) to speak to an agent. We are open Monday – Friday 9am – 6pm and Saturday 10am – 6pm Regards, Nadia | Gadget Helpline Administrator | TMTI Group | Corsley Heath, Warminster, Wiltshire BA12 7PL (UK) T: +44 (0) 844 499 4744 | F: +44 (0) 844 499 4733 | E: enquires@tmti.net My Response: Direct Debit Ref: DL************ I hope this information will help you to solve this matter as I have not received any communication from yourselves and was not aware or authorised this payment of £20.94 to be debited from my account. Regards, Nadia's Reply A welcome letter was sent by email to ***********@**** on 8th May 2013 regarding your account with us. Unfortunately we have no record of any request to cancel your account. In order to fully refund your payment made to TMTI Ltd we would need confirmation that the account was previously cancelled (cancellation email, call reference number etc.). If you can provide us with this confirmation we would be happy to fully reimburse you. I apologise for the inconvenience. Many Thanks My Response: Hi Nadia, I can definitely confirm that I did not receive a 'Welcome Letter' in question on 8th May 2013 and also that the email address you say it was sent to is an incorrect address! Hence, I was unaware of having to pay any payment(s) for an alleged account with 'Gadget Helpline' nor did I enter into any agreement as such! I would appreciate if you could rectify this error and refund immediately the amount of £20.94 which was debited from my account (Direct Debit Ref: DL********).on 8th June 2013. I look forward to hearing from you in response and receiving this payment. Regards, Nadia: Our service is explained in the following places. · The shopping basket (before you agree to the order) · The terms and conditions of the order · The order confirmation that Dialaphone send out to you · The paperwork that is received when the handset is received by Dialaphone · The welcome email we sent you directly from our company. (email addresses are not case sensitive) Regards HOW IGNORANT!!! So, I replied: Nadia, I am writing to advise of my intention to reclaim monies totalling £20.94. According to my Bank Records, the aforementioned sum that was taken out of my account on 8th June 2013, on the pre-text of 'Gadget Helpline' service. This payment is unlawful as they were not agreed to by myself. The disclosure of my bank details to a third party company without my authorisation is unlawful practice, to which I take great exception to. Furthermore, I did not agree nor accept any terms which would have initiated this direct debit process. Having researched this situation in greater detail, it would appear that this is not mentioned during purchasing or on any itemised bills or contracts as it is a 'free trial' which automatically rolls into an unlawful direct debit being setup. As the mobile phone contract was obtained through Dialaphone, the onus of responsibility in law was unlawfully distribution of my account details to the third party 'Gadget Helpline' company. It is my wish that this situation can be resolved amicably, however, as prelude to this not being resolved suitably I have prepared documentation to pass this claim to the Financial Ombudsman Service. I would be grateful for the name and contact details of your superior as I would like to make a personal complaint about your customer services and also your full name. Yours sincerely, Her Response to that was: The postal address can be found below if you wish to make a further complaint. Regards Began to loose my patience here, so responded: I don't think you are hearing me here, I am DEMANDING you give me your full name and superiors name! To which I got: "My name can be found below, and my extension is 424. Our managers name is Jon." Regards Nadia | Gadget Helpline Administrator | TMTI Group | Corsley Heath, Warminster, Wiltshire BA12 7PL (UK) T: +44 (0) 844 499 4744 | F: +44 (0) 844 499 4733 | E: enquires@tmti.net Now how unprofessional was that response?? A) STILL did not receive her full name! B) All I got for her superiors details was "Jon"!! ANY ADVISE GUYS ON WHAT MY NEXT PLAN OF ACTION MIGHT BE?? NB: Just read on Dialaphone website that they no longer provide new customers with the 'Gadget Helpline' service as of May 2013. My contract began on 10th May 2013!!
  7. I recently took out a new contract with Dialaphone. Checked my bank account and was amazed to see that £20.94 had been debited for 'Gadget Helpline'!! ??? So I decided to contact this 'Gadget Helpline' which I apparently had "signed up" for! Received the WORST EVER customer service from a so-called Helpline Administrator going by the name of "Nadia", (second name not given)! My story is as follows: Email from me to "Nadia" On 8/6/2013 a Direct Debit was taken by TMTI from my current account. I have no knowledge of ever wanting or hearing about this service and demand a full refund of £20.94 be given to me. I have not had any correspondence from TMTI or given any permission of a Direct Debit to be set-up on my bank account! Please rectify this matter and advise of same. Regards, Response: Thank you for contacting Gadget Helpline. Unfortunately you did not provide any details for us to bring up any account. If you could please provide us your address and postcode or direct debit reference number we can confirm if you have an account with us. Alternatively please call 08444 772 995 (national rate) to speak to an agent. We are open Monday – Friday 9am – 6pm and Saturday 10am – 6pm Regards, Nadia | Gadget Helpline Administrator | TMTI Group | Corsley Heath, Warminster, Wiltshire BA12 7PL (UK) T: +44 (0) 844 499 4744 | F: +44 (0) 844 499 4733 | E: enquires@tmti.net My Response: Direct Debit Ref: DL************ I hope this information will help you to solve this matter as I have not received any communication from yourselves and was not aware or authorised this payment of £20.94 to be debited from my account. Regards, Nadia's Reply A welcome letter was sent by email to ***********@**** on 8th May 2013 regarding your account with us. Unfortunately we have no record of any request to cancel your account. In order to fully refund your payment made to TMTI Ltd we would need confirmation that the account was previously cancelled (cancellation email, call reference number etc.). If you can provide us with this confirmation we would be happy to fully reimburse you. I apologise for the inconvenience. Many Thanks My Response: Hi Nadia, I can definitely confirm that I did not receive a 'Welcome Letter' in question on 8th May 2013 and also that the email address you say it was sent to is an incorrect address! Hence, I was unaware of having to pay any payment(s) for an alleged account with 'Gadget Helpline' nor did I enter into any agreement as such! I would appreciate if you could rectify this error and refund immediately the amount of £20.94 which was debited from my account (Direct Debit Ref: DL********).on 8th June 2013. I look forward to hearing from you in response and receiving this payment. Regards, Nadia: Our service is explained in the following places. · The shopping basket (before you agree to the order) · The terms and conditions of the order · The order confirmation that Dialaphone send out to you · The paperwork that is received when the handset is received by Dialaphone · The welcome email we sent you directly from our company. (email addresses are not case sensitive) Regards HOW IGNORANT!!! So, I replied: Nadia, I am writing to advise of my intention to reclaim monies totalling £20.94. According to my Bank Records, the aforementioned sum that was taken out of my account on 8th June 2013, on the pre-text of 'Gadget Helpline' service. This payment is unlawful as they were not agreed to by myself. The disclosure of my bank details to a third party company without my authorisation is unlawful practice, to which I take great exception to. Furthermore, I did not agree nor accept any terms which would have initiated this direct debit process. Having researched this situation in greater detail, it would appear that this is not mentioned during purchasing or on any itemised bills or contracts as it is a 'free trial' which automatically rolls into an unlawful direct debit being setup. As the mobile phone contract was obtained through Dialaphone, the onus of responsibility in law was unlawfully distribution of my account details to the third party 'Gadget Helpline' company. It is my wish that this situation can be resolved amicably, however, as prelude to this not being resolved suitably I have prepared documentation to pass this claim to the Financial Ombudsman Service. I would be grateful for the name and contact details of your superior as I would like to make a personal complaint about your customer services and also your full name. Yours sincerely, Her Response to that was: The postal address can be found below if you wish to make a further complaint. Regards Began to loose my patience here, so responded: I don't think you are hearing me here, I am DEMANDING you give me your full name and superiors name! To which I got: "My name can be found below, and my extension is 424. Our managers name is Jon." Regards Nadia | Gadget Helpline Administrator | TMTI Group | Corsley Heath, Warminster, Wiltshire BA12 7PL (UK) T: +44 (0) 844 499 4744 | F: +44 (0) 844 499 4733 | E: enquires@tmti.net Now how unprofessional was that response?? A) STILL did not receive her full name! B) All I got for her superiors details was "Jon"!! ANY ADVISE GUYS ON WHAT MY NEXT PLAN OF ACTION MIGHT BE?? NB: Just read on Dialaphone website that they no longer provide new customers with the 'Gadget Helpline' service as of May 2013. My contract began on 10th May 2013!!
  8. Sent email to them on 6th June 2013 as follows: Dear Sir/Madam Account No: ********** Original Creditor: Egg Clarity Ref: CCM****** With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement and a full breakdown of the account including any interest or charges applied. I understand that under the Consumer Credit Act 1974 [sections 77-79], I am entitled to receive copy of my Credit Agreement and a Statement of Account on request. I understand a copy of my Credit Agreement and Statement of Account should be supplied within 12 working days. I understand that under the Consumer Credit Act 1974, Creditors are unable to enforce an agreement if they fail to comply with the request for a Copy of the Agreement and Statement of Account under these sections of the Act. I look forward to hearing from you soon. Yours faithfully Their response by email on 10th June 2013 was as follows: Good Afternoon, In response to your email, under the Consumer Credit Act 1974 (s.77 (1), our client has requested payment of £1.00 to obtain a copy of the agreement. Please make your cheque payable to Arrow Global Ltd and send to Clarity Credit Management using the address below. Kind Regards Diana Castagnaro Gerrett Specialist Collections Advisor Tel: 0844 561 1715 Email: ecollections@claritycreditmanagement.co.uk Web: www.claritycreditmanagement.co.uk Haven't responded to them since, not sure if I should bother sending off the £1.00 they requested paid to "Arrow Global Ltd"?? What you think?
  9. Forgot to mention, I just recently got a copy of my Credit File from Experian and the debt in question with EGG is NOT on it!!
  10. Sent email to them on 6th June 2013 as follows: Dear Sir/Madam Account No: ********** Original Creditor: Egg Clarity Ref: CCM****** With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement and a full breakdown of the account including any interest or charges applied. I understand that under the Consumer Credit Act 1974 [sections 77-79], I am entitled to receive copy of my Credit Agreement and a Statement of Account on request. I understand a copy of my Credit Agreement and Statement of Account should be supplied within 12 working days. I understand that under the Consumer Credit Act 1974, Creditors are unable to enforce an agreement if they fail to comply with the request for a Copy of the Agreement and Statement of Account under these sections of the Act. I look forward to hearing from you soon. Yours faithfully Their response by email on 10th June 2013 was as follows: Good Afternoon, In response to your email, under the Consumer Credit Act 1974 (s.77 (1), our client has requested payment of £1.00 to obtain a copy of the agreement. Please make your cheque payable to Arrow Global Ltd and send to Clarity Credit Management using the address below. Kind Regards Diana Castagnaro Gerrett Specialist Collections Advisor Tel: 0844 561 1715 Email: ecollections@claritycreditmanagement.co.uk Web: www.claritycreditmanagement.co.uk Haven't responded to them since, not sure if I should bother sending off the £1.00 they requested paid to "Arrow Global Ltd"?? What you think?
  11. Just received my second letter from Clarity. They say they are acting on behalf of ARROW GLOBAL LIMITED (their client), Original Lender: EGG who i had a Loan debt with well over 6 years ago!! They are "offering" me a Reduced Settlement/Affordable Payment Plan!! As the debt is well over 6 years (2006), am i right in believing there is nothing they can do to chase it up??
  12. Cheers Bazooka Boo! Might wait and see if they decide to send any other letters then forward them on to the OFT/TS!!
  13. Will do Seminole!! Thanks, will keep posted about any further letters etc!!
  14. Hi all, been a while since ive been on here! Well today I received (yet another dodgey) letter in the post claiming to be from 'Clarity Credit Management'?? It read as follows: 9th May 2014 RESPONSE REQUIRED Dear Miss ......... Clarity Ref: ...................... Customer Name: (My Name!!) We need to contact the above named person regarding an important matter and we have been provided with your address. If you are the person named above, please contact our office on telephone 0844 56 1715. If you are not the named individual, it is important that you contact us immediately in order that our records can be updated and to prevent further correspondence. I look forward to hearing from you. Yours sincerely Clarity Credit Management I have only just moved to my current address in January of this year, not on electoral role but have began to be pestered by a few "Debt Collection Agencies"?? Also had to change my number as I was receiving texts/calls from 'Wescot' at least once a day!! I haven't got a clue who and what this Clarity company are or what they want and I do not intend in replying to any letters from them!! Can anyone advise please of any dealing etc with them? Thanks
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