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themadcap last won the day on April 15 2011

themadcap had the most liked content!


148 Excellent
  1. Hi all, Just a bit of advice required my mother is getting letters and calls, most recent from PRA over my sons debt but he has not lived in the UK for over 2 years and lives in Riga, she has ignored the calls and returned the letters back to the collectors but some are failing to stop harrasing her. Even his credit report shows his address in Riga but they are still bugging a 75 year old woman who has none of the debts to her name. Any advice greatly appreciated
  2. Wondering if anybody can help, our house was bought in my wifes and her mothers names, it is fully paid off, (no mortgage etc) but my wifes mother recently passed away and we dont know how to change the ownership, we were told to just use land registry but cant find anything on there that fits the bill any help appreciated
  3. In court in January, they argue the actual cost is £19, if that were true you would charge £19 as you could prove in court thats what it costs rather than take a £7 loss on every charge. Idiots
  4. By the way, this has gone to Court as they would not refund the only charge ever made on this account totaling £12 this is an account operated for 3 years default free even the banks and the C/C's would haver paid back one charge in 3 years. Hideous people
  5. Heres part of their bundle for court, they did an "independent" calculation of the actual costs of a default fee, according to them they are losing £7 per default fee, it really is quite laughable, they also say the cost for their staff @ £10.71 per hour (mmm think not) goes towards SAR costs, strange one that as we actually have to pay £10 to get one! Apparently its Legally privileged and confidential - not any more!
  6. Its not from a DCA but in a live chat the operator said it was with CCM but then said it was with their in-house collections but letter from voda received today says "may instruct a specialist collector etc you will have to pay upto 25% extra on bill upto max £100 No not spoken to Lee
  7. I have an issue with Vodafone, they have sent me a letter saying i owe £401 as my contract was cancelled, the contract was cancelled because they did not set up the direct debit, I have paid them £245.21 since march 14 asked on their "chat" if i could make a plan to repay the rest @£61.83 per mth for 6 months told "phone collections" I do not want to converse with people on the phone and felt harrased by the way the chat rep was refusing to give me any other option of contact, they have threatened me with collectors and a further £100 charges to cover this, why cant a company of their size make a decision to accept or refuse my offer without all this harrasment and stress?
  8. Hello, Ive got a claim in against thomson/first choice, at allocation I filed "litigant in person, home court, not have resources of company" etc Thomsons argued in their allocation to move to luton to allow for the witness to attend. I received notification it was transfered to Liverpool (my local court) but today received letter from Liverpool saying judge decided to give thomsons until 17th Sep to give reasons as the judge has stated this is not my "home" court. Purposes of considering CPR part 30.3(2)(b) subject to CPR part 3.3, 1.4,3.1 as well as 30.3 I live in Liverpool so cannot see how this cannot be my home court. Any advice appreciated.
  9. Can you forward this so it gets some attention as only 2 days till court cheers
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