Hi, I received an email this afternoon from Robinson Way chasing a debt of around £4500. This debt fell off my credit report in June this year, and I think its statute barred, although I don't know if I ever made payments that have not been recorded and I have changed banks since so its not easy for me to check I think I understand the burden of proof is on them but I am unsure what my next move should be. On my credit report it stated 'owner gone away' before it fell off. Thanks in advance for any advice.

Hello, This is my first post on this forum so I hope I have posted into the correct area, apologies if not! I recently received a CC Claim Form and a Judgement for Claimant (in default) after picking up post delivered to my old address. The CC Claim Form was dated August 2014 and the Judgement dated September 2014. I managed to pick up this post at the start of February 2015 having moved address in January 2011. Until I opened the post I had no idea of what this contained. The Proof of Claim details are:- Claimant - Cabot Financial (UK) Limited, 1 Kings Avenue, Kings Hill, West Malling, Kent, ME19 4UA Address for Sending Documents & Payments - Mortimer Clarke Solicitors, Worthing, West Sussex Particulars of Claim:- "By an agreement between CitiFinancial ("CFE") & the Defendant on or around xx/11/2007 ("the Agreement") CFE agreed to issue the Defendant with a credit card upon the terms & conditions set out therein In breach of the Agreement the Dedendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant on xx/09/2010. THE CLAIMANT THEREFORE CLAIMS: xxx.xx" The amount is between £700 & £800. As I did not know of any claim I did not have any chance to defend myself and therefore the Judgement was made on xxth September with additional costs of around £150. I called the Court to request further information and guidance and later checked out this website and decided to apply to have the CCJ Set-Aside - this cost me around £150 for the service. Before attending Court I received a letter with a draft order from Cabot agreeing to have the Judgement Set Aside and I attended court earlier this month where the Judge granted this as below:- 1. The Judgement against "me" dated "xxth September 2014" be and is hereby set aside 2. The registration entry be cancelled 3. The Defendant shall send to the court and to the claimant fully particularised defence by 3pm xxth April 2015 4. If the Defendant failed to comply with paragraph 3, the claimant shall be at liberty to enter judgement against the Defendant I have submitted a CPR 31.14 Request to Cabot with a copy to the solicitors and also sent a CCA Request to both. Earlier this week I received a letter from Cabot saying that "they acknowledge receipt of my request under section 77/78 of the Consumer Credit Act 1974, however it would appear that the address you were writing from differs to the one which is held on our records". " In order for us to provide you with the information you have requested whilst protecting the data of our customers, I would be most grateful if you would provide by return proof of your address. Acceptable forms are copies of a utility bill or driving licence." "Upon receipt if this information and provide it matches the details on our records, we will be happy to provide the information you have requested". How can I provide them with proof of address when I don't live there any longer? I'm confused as to how this works and concerned that I've not done the right thing! The CCA Request and CPR 31.14 Request was sent by me from my present address with the reference number on the Court Order etc. I've got to put a defence together for the first week of April and I'm under the impression that a CCA Request provides them with 12 days to respond, this is fine if my original requests are valid or does to recent "address differ" throw a spanner in the works and reset the time clock again? Can anyone help me please? Do I need to do anything regarding CCA / CPR? Thanks Simon

Yesterday I received a court claim form from the company in the title. I have never heard of them before they are claiming I owe £1110.41 with court fees of £70 & legal costs of £80 on top, so are taking me to court claiming I owe them the total of £1260.41 I've spoken to debt helpline who told me to accept I owe the debt from 2012 which is less & offer payment plan within the 14 days of the letter. Then she gave me links to find a legal aid solicitor or I'll get it ruled against me & get a ccj. Do I just have to accept this & pay the extra? Can anyone advise?

hi, I have an old dept for a loan taken out for a repair on a house that was in a joint mortgage but was repossessed over 8 years ago poss longer. the loan is for £8000 arrow have brought the debt and are throwing every thing plus the kitchen sink . I have now been sent court paper work and I'm not sure if its a legal form it has a claim no. I'm not sure if it has a legal stamp mark, the court office is Northampton but the stamp is just marked "the county court" and does not seem to be a separate stamp just the same ink as the letter. the last payment I made was paid on aug 16. I am living with my partner now and we are struggling with the usual bills plus being behind on the mortgage as she was left with a lot of debt when her husband left her. I just have no idea what to do now

Quick question, been awarded enhanced rate mobility on my PIP, was informed that as well as free RFL, I can also have a ''C'' added to my bus pass. (so a companion can travel with me for free also) Went to my LA to be told that ''You do know that you can only use it with a companion and not on your own?'' Actually no, I didn't know, and it was the first time I'd ever heard of it! So, I'm calling her bluff, and wondered if anyone knows the real answer, or where I could possibly get the answer from....please, pretty please. TIA.. BB

eon are using LCS ( debt collector) to chase for Limited company debt, company no longer trading - Dissolved in February 2016 eon have changed the name on correspondence from "XXX Limited co" to ( Directors name T/A XXX ) i wrote back to LCS stating LTD company is separate legal entity - and that they cannot simply assign the debt to the previous director. I also asked for copy of any agreements, signed documents, copies of any bills etc as i believe the bills will have xxx ltd ( Not TA) Is this Practice legal - surely there is an illegal re-assignment attempt here - what about VAT ?? they cant retrospectively go back and change names on invoices and reassign the vat .... Now i have a CCBC claim form for the above I have filed an AOS stating i will defend complete claim. Any help or advice welcome

hI, What I need is the current registered address for eBay (UK) Limited, I tried taking them thru MoneyClaimOnline a couple of years back but they never responded to the court papers served upon them, I'm presuming that I provided the wrong address, now I have two cases to serve upon them so if someone can confirm their current registered address. So far, from Google, I have four different addresses: eBay (UK) Ltd, Carmelite, 50 Victoria Embankment, Blackfriars, London EC4Y 0DX Whittaker House, 2 Whittaker Avenue, Richmond, Surrey TW9 1EH Ebay (UK) Ltd, Hotham House, 1 Heron Square, Richmond, SurreyTW9 1EJ 5 New Street Square, London, EC4A 3TW

Blemain changed its name about a year ago its now called Together Finance the address is Lake View, Lakeside, Cheadle, Cheshire SK8 3GW.

Hi guys. After scanning through a few similar posts I thought it would be clearer to understand if I posted my own thread hi-lighting my own concerns specifically. Hope that's ok? I'll give an explanation of my situation then submit my questions. About 7 years ago I had a few outstanding debts on various overdrafts and c/cards etc. My wife and I owed around £4'500 in total. Nothing to get to worked up about. My wife and I seperated though and after a clean and simple divorce I was left trying to float the home finances alone. Living on half of our former income, things quickly started to spiral out of control. In the end I went to citizens advice who spoke to all the creditors and asked them to freeze all my overdrafts and cards etc and also freeze any interest charges. We arranged affordable repayment plans for each of them and all has worked well since then. One of the accounts was with Barclaycard. I owed around £1'500 and they kindly agreed a repayment plan of £12.00 per month. I set up a direct debit and all has been going great. I've never defaulted on a payment and I've watched the debt steadily fall. Just a few weeks ago I called them and asked if I could up the payments from £12.00 to £24.00 per month in order to clear the debt more quickly, as it was now down to a balance of just £429.00 I was told by the representative on the phone that it would be easier to leave the account as it is for a while as Barclaycard were in the process of transfering some accounts to another company who would be taking over the management of these accounts and collecting the remaining debts. I said I was not happy with this as my debt was with Barclaycard and it was them that I was in a contract. I explained to her that I could not see why it was ok for Barclaycard to suddenly change the contract. She tried to reassure me it was all ok but I insisted that I speak to her supervisor. After a minute or two another voice came on the line and told me not to worry and that it would be fine to up my repayments. If I wasn't happy to switch company's then no switch would be made. I hung up satisfied with the outcome. Then a week or so later I recieved a letter from Barclaycard dated the 10th Oct 2016 informing me that they have, and I quote... "closed and transfered your Barclaycard account to a company called Assett Link Capital (No.5) Limited. They've appointed Link Financial Outsourcing Limited to act on their behalf so they'll be looking after your account from now on" On the same day I also recieved a letter from Assett Link Capital confirming that Barclaycard had "Assigned" the account to themselves and that they in turn had appointed Link Financial Outsourcing Limited to service the account on their behalf. Included were contact and bank details to arrange payments with Link Financial. With all this looking so official and above board and not wanting to once again incur charges against the account, I went ahead and visited Link Financial's website and filled out the online direct debit form. I then recieved an email thanking me for my completing the Direct Debit set up form and that my information had been received and they would begin setting up my Direct Debit shortly. Although I wasn't happy at being forced into accepting this change I felt it was more important to stay on top of repayments rather than damage my now recovering credit score. I have since seen some online articles which have caused me to have concerns. So the questions I've been asking myself are as follows. 1) Am I in any danger of being defrauded by a fake company who have access to my personal banking information? 2) Are Barclaycard in breach of contract by handing my debt on to another debt recovery agency? 3) Barclaycard say they've "Closed" the account where as Assett link say Barclaycard have "Assigned" the account to them. Is this the same thing or are these companies being clever with their wording? 4) Now I have filled out the online direct debit form with Link Financial have I obligated myself to repay the outstanding sum to them. 5) If I have not obligated myself to make repayments to these other agencies and do try and challenge paying back the debt, will this have a damaging effect on my credit score? I appreciate your taking the time to read this, much longer than anticipated post, and look forward to any help and advice you good people may be able to offer. Thanks and regards. Skinz72

Lodhi finance limited was liquidated in september last year. However the director has previously done the same . He did this with rasul finance limited same address and bought out the debt ledgers via a business named Crawford Business Services . This was not a limited company but was one that had been set up as a transfer vehicle. Once Crawford businees was assigned the ledgers then Lodhi finance Limited bought this business out for £30000 and persued the unpaid bedts that had been mounting up at a rate of 39.9 % per annum. This meant a lot of people lost their homes etc. However it seems that the directors are the same and also the same time spans etc. This time the fsa have had the business shut down. However if there are people around who were mucked up by his [problem] or what ever you would call it. I would seriously urge them to make what he did previously well known.

I purchase a car on 29th Sept 2016 from a garage in Surrey. The car is a "lemon" when I went on the companies house to see where to send my letter of complaint under the Consumer Credit Act 1985 I found that it was dissolved in Nov 2016. I downloaded the DS01 form and found that it had been signed and dated 22 August 2016. It means that the garage sold me a car when it should not have been trading under that name. Am I right ? They may have got away with me claiming my money back from their Limited Company but has the director been acting according to the Law ? If not , who should I notify so that he gets prosecuted ? Companies House ? The Inland Revenue ? Your valuable expert advice is appreciated . Many thanks !!

I'd like to start this thread with a big, fat 'mea culpa' and declaring my limited company insolvent AND declaring personal bankruptcy are the only routes left to me & I'm at peace with that. I have confirmed this having spoken with my accountant, an insolvency practitioner the accountant recommended, the Citizens Advice Bureau and Business Debt Line. My question, however, is in which order do I execute these? Business first then personal? I've had conflicting advice from the IP and BDL. I only want to do this once (obviously) and do it right so am nervous of starting in case my decision leads to adverse recourse. Please all you smart, helpful people, please advise?

This evening received the following email: Good Afternoon Mr xxxxxxxxxxx , Re. Agreement xxxxxxxx Outstanding balance: £509.20 Outstanding arrears: £25.46 We need to speak with you in relation to the above agreement you hold with PRA Group (formerly All In One Finance). If we could please ask that you contact our office on 0344 245 xxxx at your earliest convenience. Alternatively, please advise of a suitable time so we can give you a call. Regards, xxxxx xxxxx Robertson |Resolution Recoveries |Simpson House |Windsor Court |Clarence Drive |Harrogate |HG1 2PE |T + 44 (0)3442 xxx xxx Resolution Recoveries is a Trading Style of The Nostrum Group Limited which is Authorised and Regulated by the Financial Conduct Authority in relation to Consumer Credit Activities. Registered in England No 04274181. Registered Office: Simpson House, Windsor Court, Clarence Drive, Harrogate, HG1 2PE. VAT No 916 5953 94. This message may contain confidential and/or privileged information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. Trouble I have is I had an agreement which was paid off back early last year and I have no idea what this is all about or what its regarding. I did move bank accounts 3 weeks ago and found a direct debit paying some company me or my wife didn't recognise and cancelled it, so car not received any letters so I'm wondering if we have been paying for something we have no idea what it is? Any ideas?

I was wondering if anyone could comment on what normally happens when a limited company with one director and a secretary attempts to open a commercial lease. If it's a new company, I know from reading around on here that the director will need credit checked, but what about the secretary? Thanks.

My friend angel_1 introduced me to this forum and advised i might be able to get some help. Went to court on 25 March 2009 and Judge granted possession to the claimant adding at the end if we come into a lump sum of money or a buyer to purchase the property that would be our saving grace. The eviction date is on 24th April 2009 @ 12.30 and was hand delivered yesterday. Is there a min/max amount of notice that should be given prior to the eviction date by the baliffs as this turnaround seems pretty quick. I am in the process of typing a letter to send to the mortgage company asking for arrears to be added to capital as Norgan Law also incorporating PAP as well. Property has been on market for a couple of weeks so will add this to letter including relevant court law. What do you think? My friend has also mentioned Ell-enn for advice as she is pretty hot with cases as such. I would kindly appreciate some help please. Looking forward to your response. Thanks - survivor 13

Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days: We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt. YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT We intend to pursue you fully for all outstanding sums (GBP 1438) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE Debt GBP 1408 Missed Payment Fee 1 (day 29) GBP 10 Missed Payment Fee 2 (day 43) GBP 10 Missed Payment Fee 3 (day 57) GBP 10 Repayments todate GBP 0 Total GBP 1438 TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following: Consequences of inaction: 1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of execution will be app lied for to enable us to seize goods at your addresses and or an attachment of your earnings. 3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit. 4. Credit reference ToothFairy Finance Ltd have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”. To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY 1. online using a card by visiting: www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Ba nk Account Number: 93462382 Sort Code: 20-50-94 This debt will not go away and should not be ignored You can contact us on 08433811111 to discuss your outstandig debt. Yours Faithfully Anti - Fraud Marshall Hoares Bailiffs Telephone: 0843 381 1111 The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email. The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statem ents or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing. Marshall Hoares Bailiffs Limited. Registered Company No.: 6871092 Consumer Credit License: 631168 We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software. How should I even begin to deal with this lot as from looking in this section of the forum they don't look very easy to deal with

Hi All, I have received a CCJ from CIVIL ENFORCEMENT LIMITED after parking in a Worcester Leisure centre car park in early February 2016. I was a member at the establishment at the time (I have contacted them, merely stated they didn’t manage the car park), the car park uses ANPR cameras to record all incoming and outgoing vehicles, no barriers. I make no comment on the driver of the vehicle on said date. I received the NTK, followed by follow up letters, followed by a solicitor letter. I have since destroyed all of which. The claim is for approximately £325 Amount Claimed: £250 (Rounded up) Court Fee: £25 Legal representative’s costs: £50 Total: £325 QUOTE from Claim for - “Particulars of Claim: Outstanding debt and damages DATE—DESCRIPTION—AMOUNT—DUE DATE **/02/16 Ref ********** 236.00 **/02/16 Total Due- 236.00 (Ref: www .ce-service.co.uk or Tel:01158225020 The claimant claims the sum of £250 for Outstanding debt and damages including 12.83 interest pursuant to S.69 of the County Courts Act 1984 Rate 8.00% pa from dates above to- 13/10/16 Same rate to Judgment or (sooner) payment Daily rate to Judgment- 0.05 Total debt and interest due- 250.00 I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.” I have looked over a few threads on the forum and drafted an initial defence as seen below. Any and all help/advice greatly welcomed and appreciated. It is admitted that Defendant is the registered keeper of the vehicle in question. However it is denied that the Claimant has authority to bring this claim on the following grounds:- 1. The Protection of Freedom Act 2012 Schedule 4 has not being complied with. The registered keeper has not been proven as the driver, as such the keeper can only be held liable if the claimant has fully complied with the strict requirements. 2. The proper claimant is the landowner. Strict proof is required that there is a chain of contracts leading from the landowner to CIVIL ENFORCEMENT LIMITED. 3. CIVIL ENFORCEMENT LIMITED are not the lawful occupier of the land. (i) absent a contract with the lawful occupier of the land being produced by the claimant, or a chain of contracts showing authorisation stemming from the lawful occupier of the land, I have the reasonable belief that they do not have the authority to issue charges on this land in their own name and that they have no right to bring action regarding this claim. 4. The terms and conditions displayed on the signs at the entrance to the the site in question were unclear and not prominent on site/around the areas in question, so no contract has been formed with driver(s) to pay £100, or any additional fee charged if unpaid in 14 days 5. No sum payable to this Claimant was accepted nor even known about by any driver; as they were not given a fair opportunity to discover the onerous terms by which they would later be bound. 6. The Protection of Freedoms Act does not permit the Claimant to recover a sum greater than the parking charge on the day before a Notice to Keeper was issued. The Claimant cannot recover additional charges. The Defendant also has the reasonable belief that the Claimant has not incurred the stated additional costs and it is put to strict proof that they have actually been incurred. Even if they have been incurred, the Claimant has described them as "legal expenses". These cannot be recovered in the Small Claims Court regardless of the identity of the driver. 7. The provision is a penalty and not a genuine pre-estimate of loss for the following reasons: a) The claimant is not the landowner and suffers no loss whatsoever as a result of a vehicle parking at the location in question b) The amount claimed is a charge and evidently disproportionate to any loss suffered by the Claimant and is therefore unconscionable. 8. This case can be easily distinguished from ParkingEye v Beavis which the Judges held was 'entirely different' from most ordinary economic contract disputes and CIVIL ENFROCEMENT LIMITED have not shown any valid 'legitimate interest' allowing them the unusual right to pursue anything more than a genuine pre-estimate of loss. 9. Save as expressly mentioned above, the Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. I have ACKNOWLEDGED the claim online and have until 14th November to provide a defense. Let me know if there is any further details or information I can provide to strengthen my case. Many thanks!

I took out a Unsecured Personal Loan with Halifax online in December 2011. I was NEVER asked questions like, can you afford the payments, are you employed/unemployed, and I certainly was not asked about my income. This have got so bad I am currently on an IVA - Halifax increased the IVA from 5 years to 6 years forcing me to pay for longer. I am now wondering if bankruptcy is the best option. Do I have a claim that Halifax lent to me irresponsibly without going through my finances first?

Firstly I would like to apologise if this information is already somewhere and I've missed it! I currently have the following defaults (shown on my credit report): - Lowell: £733 (Date of default 02/01/2013) - Lowell: £660 (Date of default: 28/02/2013) - 1st Credit (Finance) Limited: £ 904 (Date of default: 16/07/2013) I remember receiving a lot of discount letters in the past which I simply threw away, now however, I want to address the issue and finally get my credit score back into shape by settling them all. At the moment, I'm seeing a ton of different routes like stepchange, requesting CCAs etc - I'm just not sure where to begin and would really appreciate some guidance.

On 18/04/2016 I received a PCN from Parking ticketing limited whilst parked in a private car park. The notice was issued on the grounds that I did not have a valid permit to park in the car park. I appealed the PCN on the grounds that: 1) I had a visitor permit issued to me at the barrier (entrance to the car-park), by their person operating the barrier. 2) I also cited that the PCN contained incorrect details of the vehicle ie the stated colour of vehicle was WRONG which rendered the PCN invalid. 3) The amount of the fine £60 was excessive. They rejected my appeal saying that a landmark case on 4th Sept 2015 was handed down in favour of parking operators, I missed date for a POPLA appeal (due to serious family illness issues) and then received a letter demanding £100 - I wrote to them again citing that I had a visitor permit and invalid information on the PCN. I then received a letter from PCS (Parking Collection Services on behalf of Parking ticketing Limited) demanding £120 - they stated on the back of their letter that I could appeal the (now £120) charge if I did not believe I should have received it and that they could cancel the ticket if they upheld my appeal. I explained the situation over again to them explaining that Parking ticketing Ltd had refused to engage with me again and had not answered any of my grounds for appeal. PCS rejected my appeal to them, and furthermore said that I could not appeal against the £120 fine levied by them as I had missed my original date of appeal to POPLA when I wrote to Parking ticketing Ltd back in April - they did not issue a reference number for me to appeal to POPLA against their £120 fine even though it stated on the back of their fine that if they rejected my appeal they would issue me with a POPLA reference. my question and need for advice now is have I got to pay this £120 to Parking Collection Services? They have now given me until 28/07/2016 to pay £120 to them, I did not think this thing would go the distance, how can I fight these people now? please someone give me some advice

Very / Shop Direct Limited (the parent company) Complaints made to Very.co.uk - no good. Complaint made to Shop Direct Limited - after acknowledging complaint and assigned a member of the executive team, will now not respond to my emails. WHAT IS MY NEXT STEP????

Good Afternoon CAG Firstly i would like to thank the people that helped me in my first two issues that are now resolved you know who you are much appreciated. I have another issue that involves opos limited in 2012 i was being contacted constantly bu this company they were even harassing my employers switchboard trying to contact me. in July 2012 I was asked to attend a HR meeting with my employer to discuss informally the nuisance calls that there switchboard was receiving from Opos Limited asking for me and being very aggressive with staff, I was asked for this to stop as company switchboard was not my personal secretaries and if it continued we would be coming back for a more formal discussion. Immediately i contacted the ICO who advised me to send them a section 10 notice for them to remove my details and i did state they should correspond with me in writing, I also sent an email as well stating the same thing Everything stopped for 3yrs 5mths, Then December 2015 i received an email at work from Opos followed by harassing calls to my mobile, I once again asked them to remove my details and they were in breach of the section 10 notice sent to them in July 2012, They once again removed by details and said they would only correspond via Letter as requested. You would think this was the end sadly not Roll on March 2016 once again start ringing me sending emails to my work wouldn't stop, I contacted Opos which i am very lucky to have a call recorded on my phone which records all out and inbound calls and has been very handy in the past, I wanted to make a complaint which i was told i couldn't and they wouldn't take one , Spoke to a manager who also refused to take the complaint same time also refusing to remove my details stating they sent me a letter to an old address saying that if i do not reply to them via letter they would re-instate my details and start contacting all over again, I sent an email to Opos expressing my dissatisfaction on what was happening they responded via letter to say they would investigate my complaint and would supply me with a final response, Many weeks had past and approaching the 8 week deadline, I called them to be told it was sent out on the 27th March and still in the post, I asked if they could sent a copy to my email. Next day they started harassing me once again two calls 8.00am & 8.01am Yesterday morning i answered second time the agent from Opos was so aggressive and rude i asked to make a complaint and be put through to her manager, I explained to her manager very clearly i wished to make a second complaint in relation to the agent i had just spoken to, They once again like the first time refused to take the complaint stating they had already sent a final response and i should take it up with financial ombudsman, I explained that this second complaint is nothing do do with the first complaint and is in relation to whats happened on the call today, Once again manager refused to take complaint and hung up on me, I email Opos complaints team after this, They responded saying the manager may have be confused by what i want to do and want me to send them the complaint again, I will be refusing i have made it very clear twice on that call in great detail of my complaint so should have to do it all over again they have already sacked somebody over this the first time as you will see from final response. Now there repeating the same thing all over again Here is Opos Limited's Final Response --- I have removed identifiable contact numbers and email addresses Further to your recent communications with our office, I am concerned to hear that you have been dissatisfied with the service that has been provided. At Opos Limited we always welcome customer comments as it helps us to review our processes and where necessary put things right for you. Please note that this debt was purchased in December 2014 by Kapama Limited and as a result is now being managed by Opos Limited. My understanding of your complaint is that: 1. You were contacted by email to an employee email address which you had previously requested was removed from our systems 2. You were unhappy that a complaint had not been logged on the first occassion that you expressed you were dissatisfied In reference to the contact information we held for you, the email address of @bri was supplied during the application process for this loan, along with a second email of @live.co.uk. On the 10th July 2012 we sent an email to both of these email addresses requesting that you contact us to resolve the above balance. At this point we were acting on behalf of Mini Credit and both of these emails were supplied as a contact method for yourself. Following this, we received an email from you requesting that the contact emails were removed and that we contact you only by post. At this point we did remove all other forms of contact, which included both email and telephone numbers. We did send information to you by post as requested on three separate occasions; 19th July 2012, 24th July 2012 and 9th September 2012. This account was then passed back to Mini Credit in 2012 as we were unable to contact you. In December 2014 this debt was purchased by Kapama Limited, and the account was then reopened with Opos Limited on 16th October 2015. We again attempted to contact you by post, however had no response. As a result of this we reinstated the contact telephone number of 07 and the email addresses we had on the system, as we had no other way to contact you to discuss your outstanding balance. We spoke with you on 7th December 2015 and again you stated only to contact you by post. Our agent advised you at this time that if we had no response via post then we would reinstate other contact methods, as we had an outstanding balance to resolve with you. Again, we had no response from you by post and no payments were made towards your outstanding balance. As advised, the contact information we held for you was reinstated as we had an outstanding balance to discuss and had been unsuccessful using the contact method you had stated you would respond to. In terms of the annual account statement, this is a document we send out in line with the regulatory oblilgations set out by the Financial Conduct Authority. These were all set out by email and it was appropriate to send this to you as we had no contact from you to resolve this balance. I understand that you called in on 15th March 2016 as you were unhappy you had recieved this. Our agent did advise why this was the case and explained why the contact information had been reinstated, but at that point you advised her that you wanted to make a formal complaint. Although you did end the call, this complaint should still have been logged and I can only apologise that this was not done at that time. This was down to the human error of the particular agent who dealt with you. It is unfortunate that in this instance we have not achieved the high standards we set ourselves and can confirm that the right level of feedback has been given to the individual concerned. In addition, further steps have been taken to ensure that this cannot happen again and the individual concerned is no longer employed by Opos Limited. Feedback has also been given to the collections team using your case as an example of how human error can negatively impact our customers’ journey. For the record i did not hang up i was transferred to a manager who also started stating i could not raise a complaint backing up here colleague, So looks like they sacked the agent and not the manager even though both equally responsible, Here are some other points they make not relating to my complaint do not know why they included it since i have never acknowledged this debt and never will, The credit agreement sets out the borrower: your name and correct address, the duration of the credit facility, the amount of interest charged per day and the APR, the charges applied should you not pay back the amount in time, as well as all terms and conditions associated with this information. According to the information provided by Mini Credit at the point of sale, the default date of this accountis 5th July 2012. Unfortunately, a copy of the default notice issued to you was not included in the documentation provided but it should be noted that whilst it is good practice and should ideally be done, lenders are not required to issue default notices before recording defaults on a credit file. Because of this, I have to tell you that I am only able to partially uphold your complaint. I appreciate that this is likely to come as a disappointment to you but I hope that my explanation has been helpful in setting out clearly why I have taken this view. That said however, in an effort to put things right for you and by way of apology for any inconvenience caused, I propose to remove the debt collection fee from your outstanding balance, which will reduce Opos Limited Registered Office: 2nd Floor, 15 Meadowbank Street, Dumbarton, Dunbartonshire, G82 1JR Registered in Scotland: SC338837 Telephone: 0141 428 3990 Email: [email protected] Secure Website: www.oposlimited.com Authorised and Regulated by the Financial Conduct Authority: IP616281 Calls may be recorded for training and quality purposes your balance by £100 and leave an outstanding balance of £1,089.00. Upon repayment of this balance, this will also be reflected on your credit file. If you wish to accept my proposal as final resolution of your complaint, please complete the section on the bottom of both copies of this letter, retain a one copy for yourself and return the other to me within 30 days of the date of this letter. If you fail to respond to this offer within the given timeline my offer of resolution will not be binding and the full outstanding balance will be due. To date i am in the middle of taking my complaint to ICO as a Section 10 has no time limit and feel my data is not been processed correctly. I need somebody help me put a case together to send to the financial ombudsman, Also is what they say correct lenders are not required to issue default notices before recording defaults on a credit file Thank you for taking the time to stop by and thank you in advance for any advice you can give me as the harassment is non stop, Regards PCR

After scoring zero points on my 3rd WCA assessment (so no change there ) I find my self in a dilemma! Do I or do I not claim Universal Credit [uC] Well.................... http://www.rightsnet.org.uk/forums/viewthread/10218/ http://www.rightsnet.org.uk/forums/viewthread/9951/ That's in Full Service areas I'm still in a single claimant area so..... I'm going for it.... ; a. LHA change of circumstances in today NIL income declaration well except for DLA,. b. going to have to argue for an annotated fit note from a GP I've seen before from here http://www.rightsnet.org.uk/forums/viewthread/8408/ c. sent off the SAR and Mandatory Reconsideration with proof of posting this morning. Now the basics of the argument are; a, as you have not claimed UC there is no new claim nor conversion to UC regs. b, as there is no new claim nor migration it's all just a new phase in the same ESA claim which REG 30 applies too Antone knows there shizzle on this procedural stuff so maybe can advise? So ESA at assessment rate with DLA/.PIP premiums is still....

Need Help please Received a letter today from a company called BPO collections acting on the behalf off cash choice uk limited . MCO Capital sold my account to cash choice. I have never received any letter from MCO or cash choice about this debt . I got a payday loan for £400 from MCO IN 2011 but I got into trouble and asked for a payment plan which they refuse and I never heard from again. In the letter a received today the original loan was £400 and now the current outstanding amount is £1155 in the letter as a gesture of goodwill cash choice have given Bpo permission to accept the original loan amount of £400 in settlement of my account. I have not got £400 and there no way I can set up a payment plan for £1155 Can anybody please help

Please help I received a county claim from Civil Enforcement Limited (CEL) for 225 pound The time spent in the car park was 20 minutes. It is a pub car park in Warrington city centre Was picking up my brother after a night out so I drove into the car park to wait for him. The pub was shut at this time and the car park was unlit so I did not see the signs. I received a PCN in the post but I ignored it (In hindsight , I shouldn't have in hindsight. Oh well!!) and then nothing till I received the claims form in the post two weeks ago and the particulars of claim last week. I have attached the claim form and particulars of claim . Please HELPPPPPP Claim form and Particulars of Claim (CEL).pdf