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Found 19 results

  1. In May 2015, I filed a Consumer Credit Act ("CCA") claim with my then bank ("CCC") for faulty goods that I had purchased for which they were jointly and severally liable. They ignored that claim but after I obtained a successful Ombudsman's decision they finally agreed to process it. In June 2017, while the CCA claim remained in progress, the bank sold the outstanding credit card balance (of exactly the sum of the faulty goods) to a Debt Collection Agency ("DCA"). The DCA immediately filed a default on my credit file against my old address for the alleged debt. In Sept
  2. I hadn't actually thought such might be possible until seeing bankfodder's thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?444374-ScottishPower-%96-do-you-want-to-sue-ScottishPower-in-England-%96-Contact-details but am now interested in doing just that. Cut a lonng story short: I am sick, weary and tired of having to do Scottish Power's work for it in terms of (a) accurate billing and (b) best practice customer service, neither of which seem to me to be concepts that this company even faintly understands. Six months ago it issued me with a final bill on
  3. Hello, this is my first posting – apologies if I ask obvious questions, but I'm new to the world of debt collection! Any help would be hugely appreciated. (Apologies, too, for the long post) I'm being chased for a debt from Three Mobile, which I don't believe I owe. The first I heard about the debt was an e-mail from a debt collecting agency – I had moved abroad, and so Three didn't have my address. (I therefore didn't receive any letter from the mobile phone company requesting the money.) After receiving the e-mail, I replied to the debt collection
  4. Hi people, Firstly this website has been a godsend, with all the posts and help i have decided to take my head out of the sand and fight. I hate motormile, they are abusive, threating and pray on peoples lack of knowledge.... so i done my research and sent them this as they keep threating to come to my house. This was even after i sent the "Tort of Trespass" and repeated requests to stop harassing me as i take panic attacks Anyway i hope this helps others. Dears Sirs, Further to my email here are the OFT guidelines on Debt collection visits as i feel you may be unawar
  5. Hello, I was hoping someone could provide some advice. I took out a storecard with River Island/GE Money when I was 18 which was around 9.5 years ago. I also took out an overdraft/credit card and stupidly defaulted on all of them. I started paying them off and was convinced that I had paid in full the storecard years ago. I paid off the rest in full last year. However around 1 year ago I was contacted by a debt collection agency out of the blue in relation to a £270 storecard which hadn't been paid off. I've since changed banks and didn't keep statements etc from around the time
  6. Hi I have just recieved a phone call from convers money regarding a debt i have with them and the person i spoke to Hussain was very rude, he originally called and spoke to my OH about this issue even though he didnt know it was my OH telling the OH how they will be starting legal procedings against me blah blah blah. Then he phoned back again on private number and when i challenged him asking why he was speaking to someone else about my finances his response was well they answered your phone so i can tell them what i like. and then continued to say i am not getting into an arguement with
  7. Hi, I hope someone can really help me. I have received a letter from Rockwell Debt Collection Agency on behalf of Arrow Global Ltd saying that I owe in the region of nearly £14K. I have absolutely no idea what this debt is for or indeed who Arrow Global are. Any ideas on what I should do? Regards Steve
  8. Hi there We recently completed a Voluntary Repossession on our old house. We have not been living there for 4 years and were renting it out, which was not covering the mortgage cost anyways, we were adding more ourselves on top of it so we did not default. The tenant stopped paying so we evicted him and gave the house to the bank. Within 2 months they had sold it for way under the value rate, obviously selling it at auction for as fast as they can, rather than as much as they can. First of all, is there any way I can dispute the amount they sold it for? As it has left me with a
  9. I am currently being chased by a debt collection agency for an ever increasing amount of money. I have a separate business account where I keep money aside for the taxman as I am a sole trader working for an employment agency. Can the debt collection agency demand that money as a part payment towards the debt or can a court demand that money for the same reason?
  10. I would imagine if your anything like me, I end up frustrated because the system isn't geared to listen to the small man. We find ourselves in a spot of bother and need some time to get clear, and all you get is hassle by mail...by phone...even people knocking on your door. Well their is one way to vent you frustrations, and believe it or not, Google is your helping hand. It's called Google places. Search for a company using Google, in my case it was Credit Solutions Limited in Purley, Surrey, then on the left hand side of the search results page where it offers you different wa
  11. Hello! Last summer I paid off the final amount on a Barclays Partner Finance agreement, for a camera I bought about 10 years ago from Jacobs (I was paying off a small amount a month after an initial large payment and closed the account by paying the last £90), I just called up Barclays and the lady was really nice and I paid off the account then got a letter stating the account was closed and had a balance of zero - phew! A month or less later I started getting letters addressed to me at my parents house in Northern Ireland (I used it often as I was in a different rental house very year in
  12. Hi, I'm hoping someone can help me out with a problem I'm having with Scottish Power. I moved into my new flat at the start of September, having previously lodged so hadn’t had an electricity provider for several years. The electricity provider at the flat was Scottish Power but I wanted to go to LoCO2 so never got in touch with Scottish Power. I sent all my details, including a reading from the day I moved in, to LoCO2 in the assumption that it would just be back dated. In hindsight that was not the correct thing to do, but I really didn’t know. Anyway, about two weeks ago a debt co
  13. Hi guys. Does anyone know anything/have any experiences with NDR which is a branch of the Orange company. They seem to be being very nasty with my family. Any advice on how to stop them with this attitude?
  14. Hi, Just a quick one wondering does anyone know if this is lawful- I requested an invoice that the claimant mentioned in his POS as the invoice amount seemed like a higher figure than I was aware of - he has sent the invoice after I requested it using the very helpful request template on this website CPR 31.14 however he has added $400 for 'debt collection' onto the invoic hence the higher figuree- can he do this? it just sounds totally trumped up
  15. Hi all, I really need your help. I posted up a few days ago a letter i received from my previous employer, claiming i owed them money from an overpayment of £325.01 despite them owing me at least 40 hours overtime during my employment there. Today i received a letter from Newman Debt Collection Agents stating the following:- I have already sent a letter to them the other day recorded delivery and obtained a signature of NEWMANS and all they have done is ignore me and now they are going to leave me with a huge debt from court to which i refuse to acknowledge. How can companies get
  16. I had a number of debts originating in the late 90's which resulted in me being credit blacklisted and spending a few years (mostly 2000-2003) being chased by bailiff's at various addresses. I part-paid these debts over a number of years with the last payment to any agency being made (at a rough guess) somewhere between 5 and 7 years ago (but most likely more than 6 years ago). I am not 100% sure what I still owe in total but was under the impression it must have been written off as have had no contact with any debt collector for approx 6 years and my credit rating has restored itself and is n
  17. Hi, I would like to reclaim PPI and payment penalties on debts I am still paying off from 1999. The debts were transferred to collection agencies. My question is how do I go about reclaiming my PPI? Do I write to the original lender or the debt collection agencies? Is it possible some of these debts are unenforcible and if so how would I go about doing all 3 ie PPI, unfair charges and unenforceable agreements? Sorry for all the questions but new to this and really confused! Thanks
  18. Hi Forum Members, I have been getting letters from Lowells demanding payment of outstanding credit card debt for over a year now...Every time I write to these jokers they ignore the content of my letters and persist. They know without a doubt that I have two permanent medical conditions, and that my benefits income is 'inalienable', and they have received a voluntary statement of income/expenditure that proves I cannot repay anything ( this was "kept on file" and duly ignored !). Their response was to demand monthly payments in excess of my total benefits income. Now they threaten with ho
  19. Hey guys, First of all, I'd like to thank all the people here who do a bang-up job of helping others with their issues. Unfortunately, it's now my turn to ask for help because while I think I understand the basics, I need some support with this issue. I've recently gotten a letter out of the blue from Triton Credit Services demanding that I pay them £450 immediately. They have not yet threatened court action, but they're robocalling me 3-4 times a day often at obscene hours (such as 7am all the way up to 8pm). This debt was originally a Natwest Student Credit Card. Like I said, this
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