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steven4064 last won the day on May 21 2008

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  1. They did resurface once. We just sent the new DCA the same letter. It'e been months now. I'm an old hand at this - we wil ljust keep on sending the same letter to whoever contacts us until they give up or get statute barrred, whichever comes first. I have a lot more patience than they do!
  2. I had an issue with Virgin Media about early termination fees when I was helping out a friend. The way he was treated was grossly unfair - details don't matter now. However, I wrote to Ofcom about it and they said that they consider early termination fees to be fair PROVIDED they only cover lost profit - actual cost of providing the service has to be deducted for the charge to be fair. This is because, if you cancel, they are saving this amount. I wrote to Virgin Media and told them what Ofcom had said. I asked them to tell me how much it cost them to supply the service my friend was terminating so that we could calculate the fair early termination fee. We've not heard from them since. The reason for this is that the information I was asking for is highly commercial (they wouldn't want Sky or anyone else knowing this) and there is no way they will divulge it. If they think you might pursue them for this information (which you have a right to do - find my thread on getting similar commercial information from Welcome Finance), they will just go away. This is not just for Virgin Media but for any ISP, Cable TV or phone service that charges early termination fees. Enjoy!
  3. I have absolutely no doubt that, not only is this not an isolated case, but that this is a government policy and has been for a long time. There is no other explanation for the number of cases I come across where the claimant has been treated completely unjustly. 2 examples: 1. A couple we know were evicted and found temporary accommodation. They informed the Job Centre using the correct forms that they had moved (and the Job Centre acknowledge this is the case). They were sanctioned because they failed to turn up for an interview as the appointment was sent to their old address. They have been denied any come-back. 2. Someone else we know was sent two appointments, one for the Job Centre and the other for one of these employment firms - both at the SAME TIME in different towns. He spoke to both explaining the situation and both told him that he would be sanctioned if he didn't turn up. He was sanctioned. Not even DWP can be this incompetent - it has to be policy.
  4. I believe they will if you have a good and valid reason.
  5. I got this e-mail from Stella Creasy suggesting we write to th Acting Chief Operating Officer Lesley Titcombe at the Financial Services Authority to ask her to act urgently. I have e-mailed Lesley Titcombe, perhaps we all can. OFT says Payday Loan industry out of control but Government still opposes caps: Help fight Britain's legal loan sharks by writing to the FCA today! Today the Office of Fair Trading reveals legal loan sharks are out of control in Britain- despite this the Government has again spoken out against capping the costs of credit. This is the measure that has been shown in other countries to prevent the problems with debt that too many users of these loans experience. This email tells you how you can help us challenge the Government's failure to act and call on the Financial Conduct Authority to introduce a cap on the cost of credit as a matter of urgency. The Office of Fair Trading is damning - it shows the problems with legal loan sharks come not from 'a few rogue' companies as the Government claims but an entire industry which is exploiting British consumers. Their evidence shows how the cost of credit itself pushes people into debt, with 50% of profits coming from people rolling over loans month after month. The OFT is so fed up with the damage these companies do that they have decided to refer the entire industry to the Competition Commission. Thanks to your efforts last year to change the law, the new Financial Conduct Authority will have the power to cap the charges these firms can levy, to stop people getting into debt with them in the first place. Yet today the Government has argued against using this power. Please help us send a message on behalf of all those struggling to pay the costs of these loans that this is wrong and that any delay in tackling the cost of credit in the UK is likely to lead to further financial difficulties for hard pressed Britons. Today, the Financial Services Authority have launched a consultation paper on the functions and powers of the FCA. Below is a suggested email to send to the Acting Chief Operating Officer Lesley Titcomb to ask her to urgently act - the consultation email address for these messages is [email protected] so please send her an email today! As energy bills and travel costs continue to rise, it is vital we do not let this Government stand in the way of giving British consumers the same protection from these debts that others around the world expeirence. To make sure your MP is aware of your concerns, please also copy them into this correspondence- You can find contact details for your MP here. Its clear from today that this Government cannot be trusted to protect British consumers against this well funded industry- it's therefore up to us to speak up for the protection British consumers deserve! Stella Creasy Labour and Co-operative MP for Walthamstow on behalf of #sharkstoppers p.s. please share this email to a friend to encourage them to help our campaign and do follow @sharkstoppers on twitter for further updates! ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Text to use to write to Lesley Titcombe I’m writing to you as a resident of the UK to ask you to listen to the case for providing British consumers with the protection from toxic credit other consumers around the world enjoy by capping the costs of credit. I was delighted that last year Parliament approved, in principle, powers for the new Financial Conduct Authority to cap the costs of credit- and deeply disappointed to hear the Government speak out against this measure this year. Millions are already struggling financially due to the rising cost of living, unemployment or wage freezes. Without action to ensure the cost of credit is affordable, we could see millions more Britons getting into financial difficulies as a result of borrowing from these legal loan sharks. The Office of Fair Trading report shows just how out of control these firms are and the need for the Competition Commission to investigate this whole industry. Actions on credit checking and advertising rules will help to limit this damage, but the best way to prevent these problems is to introduce caps on the total costs of credit so that families are not pushed into debt when borrowing in this way in the first place. To help understand how best to tackle these problems I urge you to commit to undertaking your own urgent research into total cost caps and how they work in other nations such as Japan, America and Australia and pledge to take action as soon as your role supervising consumer credit comes into force in April 2014. I would welcome confirmation from you that you will support these measures and I have copied my MP into this email so that they are aware of my concerns. Yours Sincerely,”
  6. Read more : - http://www.guardian.co.uk/money/2013/feb/26/fake-jobs-money-laundering
  7. Read more : - http://www.guardian.co.uk/money/2013/feb/26/fake-jobs-money-laundering
  8. I have made a donation and it is fine to use my real name. Sorry, it's a bit late as I have been away. Martin was a real star who will be surely missed - I am grateful for the opportunity to have met him a couple of times - the last time in ASDA car park!
  9. I've moved this post to its own thread as you had posted on a very old thread. Hopefully, you will get more help this way
  10. Phil I don't think so. The order is for a hearing about her application not about the application itself. The order for a hearing is made without a hearing, though.
  11. Hi Clare What this all means is this: you made an application to the court for an order forcing INCASSO to provide you with cerrtain information. The court has decided that they will only do this once they have had a hearing and that is what the order says. Either INCASSO or you(but why would you?) can object to this hearing. You don't need to do anything at the moment except prepare for the hearing. You should prepare a draft order for the court to make (saves them the bother of working out how to word it and makes sure they don't forget anything) and a list of costs (in case you get awarded them). If INCASSO turn up at the hearing, you should give them a copy of both before you go in or should send them to them a few days beforehand. Hope this helps.
  12. Join Sharkstoppers and Help Fight Back Against Britain's Legal Loan Sharks: Your Campaign Pack Today Ed Miliband, Leader of the Labour Party, and Tom Watson, Deputy Chair, joined me and over a hundred campaigners from across the country to launch our campaign pack to help communities fight back against the damage Britain's legal loan sharks are doing to our country. This Government has so far refused to act to tackle the high cost credit companies who are pushing families into crippling debt across Britain. But that doesn't mean that we can't take measures to protect them and help make the case for caps on the cost of credit. Produced in association with the Movement for Change, the Co-operative Party and the Red Card for Wonga campaign, this pack is designed to help with ideas and actions you can take either on your own or together with others to stand up to these companies. You can download it from my website here: Legal Loan Shark Campaign Pack Download Link. Please join us in acting together to fight back against Britain's legal loan sharks! Stella Creasy Labour and Co-operative MP for Walthamstow p.s. Please also share this email and campaign pack with your family and friends too! http://www.workingforwalthamstow.org.uk Stella Creasy: Labour and Co-operative MP for Walthamstow
  13. Before you write, can you tell me if there was any PPI and/or other insurances on the original agreement and if they were carried through to the second Also can you give me all the figures - loan amount, cost of credit, APR off the 2 agreements. If there are any insurance or PPI elements on the first agreement, there will be loads you can claim back since Welcome will probably have been completely dishonest about what was put on the agreements
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