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  1. Hi all, I started a previous thread to share my general issues, but am posting in this section for specific advise relating to First Direct. Previous forum address here if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?458839-Low-income-6-year-old-debts-and-worrying-about-the-possibility-of-future-court-action I had an account with an overdraft, credit card and loan with First Direct (all pre Apr 2007). I defaulted on payments for the credit card and loan back in 2009, at which point, they closed my account, merging the credit card and overdraft together as one debt, and the remaining loan as another. Since the default in 2009, I have been making token £1 monthly payments to Metropolitan Collection Services; I have since moved house a few times and hence had no contact with them. Aiming to sort things out once and for all, I joined this site, and under some much appreciated advice, sent out a CCA request to Metropolitan last week. First Direct have responded, sending back my CCA letter (but keeping the postal order???), saying: The letter is not signed (didn't think I needed to) - they want me to provide a specimen signature My current address does not match their records (it wouldn't as I have moved, but my credit file address is up-to-date) - they want me to provide the old address to match their records. From this, I gather that FD still own the debt as Metropolitan did not write to me. As mentioned, my credit file is up to date with all addresses. Does anyone have any advice on how I should proceed? Are they trying to delay and does the time limit of 12+2 days still apply? Or, are they valid in their requests? Any help much appreciated Thanks AM
  2. nhs contracts? Hi all, i am now working in the nhs as part of the theatre department and in doing so signed the usual contract agreeing to working on calls, late shifts and weekends etc, the problem is that some staff are not taking part in this arrangement because of various reasons ( my cats scared of the dark or little johnny wets the bed) sanctioned by the managers and therefore the remaining staff are having to work extra shifts to compensate. My question is, are we all being treated equally and do we have any basis for taking action against the management. Any help would be great. Cheers.
  3. Hi All I hope that you can give me some advice as I am not sure what has happened to me today is legal. I had to have the vet out to my horse last year and had to pay 500 in advance for his treament and then the rest on account. I had every intention of paying. The debt was in my married name (I have since reverted back to my maiden name) at an old address. My horse was treated however the vet made several mistakes (such as not adminstering him antibiotics which resulted in cellulitus) I disputed the amount at the time. The vet said they would reduce the bill if I could pay in full. At the time I couldn't so they recommended a loan company which would then help me out with a loan (and even sent me the link) to which I declined. A debt collector went to my old address (I know the new tenant) and was told I was no longer there. Today I went into work to find out the soliciors now instructed have written to me at work threatening me with a CCJ and saying I won't be able to find another job if they enforce it. Are they allowed to harrass people at work? How will they enforce the debt they surely cannot register it against the company that I work for? Obviously this will be really embarrassing for me at work as I am apart from the Director the most senior member of staff. Thanks
  4. Hi, I am hoping someone here can give me some advice as I am really worried about this I changed my home insurers to John Lewis (from NatWest) in January this year. No specific reason as I was always happy with NatWest but my premium had increased so I shopped around. To my knowledge I gave JL details of all previous claims (i.e. I am not aware that I failed to mention any) and I did not take out no claims protection or did I benefit from a no claims reduction in my new policy. In June last year I claimed with Natwest for a damaged speaker under the accidental section of my policy. Last Thursday my daughter dropped one of my wireless speakers and it was not repairable so, given the cost of it (£499), I contacted JL to make a claim. They offered me a cash settlement which I was happy with but then called to say that "due to the number of undisclosed claims" they would be referring not only my claim for the speaker but also my entire policy to their underwriters. Today I get a call from the Cotswold Group wanting to interview me over the telephone about my claim. I didn't answer because I was in a meeting. I googled them and they are private investigators and insurance fraud specialists I then received an email asking me to make an appointment to discuss my claim and policy naturally I am very confused and scared as to why JL have instructed them to contact me? I decided that given the simplicity of the claim I would call JL to advise them I no longer wanted to proceed as it all seemed rather odd. The chap I spoke to said "I will pass this on to our specialist team" which again caused some alarm. He was very abrupt and then literally minutes later I get another email from The Cotswold Group saying this: "I have received a call from John Lewis to advise of your call mentioned below. They have confirmed they are unable to accept the withdrawal of the claim as we have been appointed to carry out further enquiries in relation to your claim and policy before any decision can be agreed." They are INSISTING I speak to them and I am thinking Why am I being investigated for what JL obviously think is insurance fraud by a team of private investigators specialising in "deep web mining"? Even if i did omit to mention the NatWest Claim last year it was definitely not on purpose! I am quite literally terrified now. Can someone please help or explain why they are doing this and how I should respond to the email from The Cotswold Group. Why are JL refusing to allow me to drop my claim??
  5. Hi I lived in Norway for 6 months last year and have just received an email from a Norwegian debt collectors stating that I owe £1100 for unpaid electricity bills. I had no idea these bills existed so didnt pay them and hadnt previously been contacted whatsoever. I was in Norway on a tourist Visa so I wasn't registered there, all they have is my name and email address. I dont even think they know im English or where I'm from. Do you think I should contact them and explain the situation or just ignore? What are the possible outcomes? Thanks
  6. My father is in his 70's and was worried when he received a Parking Fine from Athena Ltd and complained to me that he actually parked in their car park and shopped in the Lidl store. He was there for quite a while and I am unsure if he went anywhere else either way the ticket states he was 1 hour and 13 minutes. In his annoyance my father contacted Athena to complain about the ticket and was given a deadline to appeal but handed it to me to write to them. I was very dismayed that he contacted them and informed him that he should not bother with civil parking fines but as an elderly person he is worried. My concern is that as he had made contact with them, he has admitted to being the driver of the vehicle. Should I write to them or leave it?
  7. Hi Hope someone can help with my query. Some weeks back I received 2 notices of enforcement via post re Council tax liabilities sent from a bailiff. However, I disagreed with the figures as they did not correspond with an email I had been sent by the Council earlier in the year. I decided to respond by emailing the council 2 weeks ago to dispute both bills saying that I was disputing the sums owed and that I wanted them to take back the debts as I would not deal with the bailiff. I wanted to deal with the Council directly. Today, via email, I received notification from the bailiff that they would be sending someone to my property with the Intention of Taking Control of my Goods. The only people who could have informed the bailiff of my email address was the Council. I consider this intrusion via social media to be harassment considering the council have failed to acknowledge my email and given the bailiff my email address. Can I report this episode to the police, and given that I have some health problems, be considered vulnerable (I have the proof to back up my claim). I consider it a gross intrusion to contact someone via email and, given that I have made an effort to sort this out, someone is not listening. Any advice on next steps appreciated. Whilst writing, what are the true costs of Liability Orders? Many thanks.
  8. Dear Sir/Madam I hope that I have put this in the right place and apologize if I have not. I am new here so thank you in advance. Some time ago I saw an advert for the Claims Guys which said that they would find out if I had PPI and if I did they could claim it or I could do it myself. I thought that this was fair enough, that they could find out if I had PPI and I could do it. They sent me heaps of paperwork. I filled in three questionnaire about my bank details etc. Black horse contacted me direct on the phone and questioned me about my mis sold PPi which they refunded. Then the Claims Guys rang me regarding the loans at Barclays. They were on the phone for ages and I kept saying that could I not do it myself? The man from TCG got rather disgruntled and said that we had spent 40 minutes of his time and pressured me into agreeing. He then told me I had 28 days to cancel. He told me to sign and return the paperwork which I did not do. Barclays paid up very quickly and immediately the Claims Guys were telephoning me asking me to pay by Credit Card asap over the phone. Their tone was increasingly aggressive. I told them about the 28 day cancellation period and they said it was 14 days. I asked them to send me the transcript and they sent me an earlier conversation in March which did not mention the 28 days, it was the wrong conversation. The conversation I had lasted well over 40 minutes. I have picked over the terms and conditions of the Claims Guys and it looks to me that any valid agreement should be confirmed in writing. There is no verbal agreement. Since then I have about 8 calls and texts a day at all hours and I do find this threatening. Can anyone give me some advice as to how I should proceed? Thanks you.
  9. First, thanks for this great forum. I have been contacted by a tracking company which appears to be owned by Global DR Ltd. The wording in the letter is exactly the same as that found in the GDR letters posted elsewhere on this forum. They are trying to contact me as I "may be the person our client wishes to make contact with." I don't know what this is about precisely but I suspect it relates to a debt dating back 16 years or more. I have a couple of questions if you guys have the time. First a few facts: - I have not spoken to anyone about this debt since 2000ish. - I was taken into hospital at this time and eventually moved to a new address - I have not paid a penny to anyone since 2000 - I have not acknowledged or discussed the debt with anyone - My credit report is clean and I have had no trouble getting credit in recent years I understand this debt from 2000 (probably earlier) should be statute barred. Is that correct? Finally, and this is my main concern, i'm told that if a CCJ has been obtained against me at any point since 2000 this debt could still be enforced against me after all this time. Is that correct and if so, what is the likelihood of that happening? There isn't a CCJ on my credit report but I understand that one might have cycled off by now. Thank you all for your time, I really appreciate it.
  10. Hi, My husband and I have been on a debt management plan for 9 years know. During this time we have done regular reviews and our repayments to creditors have gone up as well as down depending on our circumstances. Various debts have now been sold on to debt collection agencies, one agency who currently has 3 of my debts is cabot financial. After a recent review with payplan our repayment has unfortunately gone down temporarily. Cabot financial have been ringing me constantly since. I eventually spoke to them on Friday and they said it was because i wasn't meeting the contractual amount on my Barclaycard account so it was now in a pre-default state. They recommended i ring Barclaycard and inform them of my situation which I did only to be told by Barclaycard that they sold the debt to Cabot so it is no longer anything to do with them. I rang Cabot back who then started saying if I don't meet the "contractual amount" each month then my account would default. I asked why the contractuall amount couldn't just be changed and all he kept saying was that they couldn't and that they have a legal obligation to update my credit file, he also kept talking about "they" implying it was Barclaycard that set the rules and nothing to do with Cabot. when I asked who he was refering to when he spoke about "they" he denied saying that and said he said "us". My query is, if during the 9 years of being on the debt management plan my payments have gone up and down, why hasn't this account defaulted before now? Can Cabot change this "contractual amount" and could any one give me advise on trying to find out when this contractual amount was set please and if it can or can't be changed legally? Thankyou in anticipation
  11. Hey, currently sitting here with a stupid wonga loan, on a repayment plan. in arrears by 270 days at £320. Been amending my repayment plan almost every other month as I am unable to afford it due to loss of hours at work due to disability. When I took this loan out I was in a bad place, and only earning £350 a month, i believe that they should have refused me on the basis of my income. I phoned them and they said I would receive an email today or tomorrow(!) if my debt was being written off.. Been worrying about this all week. So, has anyone else been written to regarding this matter? I still havent, no post, no email... seems like they're trying to pull a fast one.. Infact, after I called them they sent me an email asking to do a survey with the chance to win £100! The cheek. Cheers
  12. Hi I'm self employed and have had "sole trader" status since 2012. Prior to that I was in a business partnership. My business partner was responsible for the financial side of things. He "resigned" in 2012 and I discovered he'd left everything in a right mess. He took all the money from our business bank account, hadn't paid suppliers or the VAT. It took me a while but I sorted all of those issues out and now the business is back on an even keel. I also discovered that he hadn't submitted HMRC tax forms. I submitted all the ones that I could, paying 100 fines for lateness etc. One form that they would not let me submit was the 2011 tax form as I "wasn't the nominated tax partner." I tried getting my ex business partner to submit it and got the usual lies about it "being submitted years ago" etc HMRC fines grew to £1200 for the overdue form. In desperation I submitted the form anyway. and wrote to HMRC explaining what had happened and asking what I was supposed to do, as I was in the surreal situation of being fined thousands for non submittal of a tax return that I was not authorised to submit. I received a reply from HMRC saying that as I had submitted the tax form I could now be considered as the nominated partner and could now appeal against the fine. I duly wrote and sent off my appeal to HMRC. A month or so later I received a letter from HMRC saying that they could not accept my appeal as it had been made after the 30 day limit of the original tax fine and that I had to write another appeal to appeal their decision not to accept the appeal! I wrote the appeal of the appeal and sent it off. Then I head nothing for a while, then they went back to demanding the fine payment. I wrote to them saying that I was appealing and got a letter back saying they had no record of my appeal of the appeal and as over 30 days had now lapsed I couldn't submit it again. They've now passed the fine to a debt collection Agency by the name of Akinika. What do I do now? What do I tell Akinika and how do I proceed with HMRC? The whole thing is rather surreal and doesn't seem reasonable or fair at all!
  13. Hi , I last posted on the site in 2008 about a credit card debt , l had arranged with the creditor to freeze the account and pay x amount a month in 2006, then without telling me they sold it to a DCA so l paid them as arranged but then ended up in hospital and missed my payments, l was then contacted by another DCA to pay up or else, by this time I'd seen your site on got some good advice and sent off the appropriate templates, ie telephone harrasment and consumer credit act 74 and enclosed £1.00 p/o. They wrote and said they would forward my request to their client and should here from them shortly this was DEC 2008 and have heard nothing from anyone until recently. I recieved a statement from Lloyds recoveries outlining the payments I'd made from 2004 till 17-1-07 and a payment made of £1.00 on the 11/6/08 which I believe was for the request of the credit agreement. Is this debt statute barred ?. I now have had 2 calls left on my answer machine from another DCA asking me to ring back. I have not answered any letters or phone calls to these people yet. After paying off approx £500 the debt is still the same according to Lloyds letter. I hoe someone can advice me on this and thanks for reading.
  14. H i i love this forum i have used advice on here many times, my problem is many years ago i had a bank account that ran into trouble i was made unemployed moved from the area etc etc,that was over twenty two years ago and for the last 20 years i have not been contacted paid or acknowledged any debt....then recently a company contacted me after being bought by another company saying they now manage the debt and if i pay half the amount it will clear the debt then i received a phone message on my mobile(how did they get my mobile) asking if it was me i just ignored that message...... my question is i know its statue barred but i was reading about a statue demand.... do i meed to worry ... any help will be greatly appreciated thanks in advance shadow8131
  15. I've been living in Australia for over 4 years and recently DCA phoned my in-laws looking for me, obviously regarding some old UK debts. They didn't say what they want, my mother-in-law told them I don't live there and they just said to her to tell me to call them with a reference number. I know what they want, but my in-laws don't and I don't want it to escalate and they start harassing them. How can I put a stop to it? Shall I write to them and tell them I'm living here and to stop contacting relatives as it's illegal? Shall I give them an Australian address to send any correspondence? Thanks for any advice.
  16. Hello everybody, How are you? I hope you are fine First of all, I am not sure, whether this is the right place for this enquiery In order to chose a used car to buy, I wanted to get a list of insurance quotes via GoCompare. Now I am bombarded by calls from the best offering insurance companies. I already complained about this to GoCompare, but they just informed me, that this is standard procedure and I have to accept this or not make such inquieries. Without accepting this through the T&C's I cannot get such quotes. Also providing the telefone number is mandatory. I see this as an unwanted contact and an unfair practice by GoCompare. Is there anything to avoid this? Or are there any other comparisation sites, that do not require contact details or do not forward details without explicit approval? Best regards, Tino
  17. If it makes any difference, mum is an agency worker. Mum works nights, comes home around 9 / 10am and goes to bed after dad (works nights too) gets up and normally doesn't get up until at least 5pm. Today, mum's work phoned her mobile a few times, which dad answered. After a few times, he told them again that she's not up, he doesn't know when she'll get up and no, he isn't going to wake her up. The person on the other end then put then phone down on dad. Anyway, they phoned the land line about 15 minutes later and he yet again told them that she's not up. The lady's response was to call mum lazy! She does 12 hour nights and it takes a good hour (more if there's traffic, accident, etc) for mum to get home. She's then got to wait for dad to get up. Are there any laws regarding calling agency staff on their days off please / are the laws different if the person is a night worker, therefore, will be in bed the following day?
  18. i had a out standing debt with Orange for £71.10p. i had bin a long standing customer with orange but in 2010 when it came to up date my phone n contract they got me good and proper, with dongles n stuff i didn't want. and long story short after my baby died of cot death, i was stuck with debts and a phone contract i could no longer afford. i tried for months to keep it going and carry on paying but got to a point where i couldn't. i had a letter last week saying Orange wanted the 71 quid out standing. my plan was in the new year i was going to Bristol debt advice to try and sort every thing out. because i am on beneifits for long term clinical depression and the debt is really affecting my depression and life in a big way. yesterday i had a phone call from NCO Euro, informing me that Orange had passed my debt on to them and they wanted to collect a sum of £250 odd quid and if i couldn't pay now that in 2 weeks time they would have to take action. What does this mean please? does this mean that in 2 weeks time they are going to turn up on my door step wanting money? are they able to come in my house and take my little girls christmas presents, because thats the only thing i have of any worth. i need some sort of advice as to where i stand and what i can do. i am also 4 months pregnant again and suffer from anxyaty attacks. im a real mess and im having panic attacks every day worring about the mess n debt i am in and im very scared as to what all this stress is doing to my unborn child. can any help me please. because i am totaly clue-less.
  19. Hi all, Today, I was phoned at work by Payday UK. I have never defaulted on a payment with them so I couldn't understand why they would do this. I went on to their 'Live Chat' on their website and they told me they were trying to contact me to let me know of a new service whereby I can pre order a loan! I was so angry! I was lucky that I was sat at my desk so I could answer my phone before anyone else. Had I have not been, there certainly would have been a very awkward situation for me to deal with. Are they within their right to do this? How can I make sure this won't happen again? Any help would be much appreciated. Thanks!
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