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Found 6 results

  1. Hi I am helping an old lady with her debts, and have been for 5 months or so the story so far.. I sent off a CCA request 04/01/2014 I duly received the attached documents, Prior to this I took control of her debts and needed a DPA release letter, This was duly signed not her usual signature but with two added security features to the signature, so it could be connected to the DPA release letter. Now to explain the layout of the attachments As you read these the first one is document 1 and is signed by the rep from Ambrose Wilson only and no name or address on it, the last 4 digits of the account number top right hand corner as a reference this is printed on shiny paper and looks like the original document. In document 2 this is inkjet paper, with the same exact signature from the company, dated 24/10/2012 but this one has her address, customer number address and the exact signature from my DPA release including the 2 security markers I placed on it , the signature of the customer was created on the 04/01/2014. I printed off the company signature onto a clear sheet and it matched perfectly as did her signature from the DPA release, I meant it was EXACT (hers) the DCA dealing with this account was Fredrickson. Who have had 4x CCA requests all but one denied and all now returned to the OC, no refund of the CCA fee has been received, also the CCA request is over 10 working days late for the remaining three, please look here for any missing details, Thx dx100uk for the extra info. http://www.consumeractiongroup.co.uk/forum/showthread.php?414812-Fredricksons-obo-JD-Williams Perhaps admin can tidy and make as one post for ease of reading please.
  2. Hello My wife had an account with Ambrose Wilson and we got into difficulties with payment on this and other debts. We have been on a DMP with CCCS/StepChange for a year and all our creditors have not bothered us. CCCS offered Ambrose Wilson £5.00 per month and this is what has been paid every month. They have now sent a letter saying the account is in arrears because the agreed payment was £5 every 28 days meaning over a 12 month period only 12 payments were made and not 13 payments, they have charged £12 for the arrears and £12.00 for sending a letter. I contacted CCCS and they said AW know that payments are monthly and should abide by that but they couldn't help with the charges because companies can do that. We are now receiving two letters a week, one from Ambrose Wilson and one from Reliable Collections (I know they are both the same company). They have now added a further £12.00 admin charge so now £36.00 in charges. That is in addition to about £120 in charges before we sorted out the DMP. I intend to send a SAR so we can get details of all the charges and then claim them back but in the meantime I have a couple of questions if anyone can help. The OFT guidelines say that it is unfair pressure if multiple businesses pursue you for the same debt, I know that both AW and RC are the same company but both are sending one letter per week, this looks to me to be harassment. They have threatened to send someone to the house, I can cope with that but since I am out at work all day my wife is worried about what may happen if someone calls. CCCS have not been much help, at the moment I can't see any point in us paying £5.00 per month if AW keep adding £12.00 every time they send a letter. Should we just stop paying the debt until they stop the charges/harassment. Any advice would be appreciated. The debt is just over £1000.00.
  3. My mum asked meto look at her Ambrose Wilson Account as her monthly payments were hardly making a dent in what she owed. I was shocked to discover that for the last 6 years they have been applying Payment Account Protection which works out around £36 -£54.00 a month. In over 6 years she has paid a whopping £2678. When I asked her about it she said she thought itwas an insurance for the electrical items she had bought. She did not know anything about it being to protect her if something happened. She is nearly 70 years old does not have a great understanding of these things and cannot remember if she did ask for the PAP. She has been retired since she was 47 due to arthritus and other medical problems. She received DLA and icapacity benefit so does not really need this protection. She also has life insurance and a funeral policy. I want to know if she can claim this money back. It is not PPI but I believe it is similar. I just feel that Ambrose Wilson are ripping her of.
  4. ********* POSTING FOR A FRIEND******** Hi just some general advice really. I have had these accounts for many many years and never failed with them until recently when i was taken ill at work. I have spent some time in hospital and as a result lost my job so on discharge i come home to find several letters including one threatening one from reliable lol ignored and filed under bin! So I faxed JD Williams direct and asked them to put my account on hold for 28 days while seeking advice. They have refused point blank but offered me a few low payments on 3 then a massive £37 a month on one.. yes it is the one I have had the longest and owe the most debt too but I cannot afford that. So in my reply I have asked for them to reduce this and also for reliable to be stopped in their attempts to threaten/bully me in the meantime. would you accept that this would be a good response or will they still refuse? I also am sure I took insurance out at the time to protect myself in case of sickness bereavement etc.. I have also asked them to look into this as well. I have no objection to paying as it is MY debt and up until November 2012 I was actively using them and paying them (more than minimum payment) correctly. many thanks in advance everyone just trying to help a friend out.
  5. So if you have payed Ambrose Wilson for the item (£24.99) but they have added £190 in charges because it was paid late, what do you do? I am not paying £190 in charges!
  6. These clowns have been unable to supply me with a signed CCA. This was last year. They said they were suspending collections activity. Now they have started sending letters and statements again. Is there a follow up letter I can send? Thanks C:wink:
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