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Found 8 results

  1. I have just joined the forum today and hope its OK to ask for help with an alleged debt issue. I was with a dental practice this year as a private patient. The service was poor and there were a lot of delays. At one point I saw 3 seperate dentists about a single issue and received 3 seperate diagnosis'. At this point I refused to pay £31 to have a dental implant fitted for a third time in a matter of monthes and told the practice I would look for a new dentist if I wasn't satisfied. The dental implant came out for a third time a few weeks later. With all the delays my dental health did not receive the attention it deserved and a crown I already possessed was filed down making it look uneven. I felt that my dentists were more interested in making money from me than providing satisfactory care. I contacted the practice several times in writing and never received a response. Not even an acknowledgement of receipt of the letters. I did receive several form letter invoices and a letter that I had missed a scheduled appointment with a dentist, despite a) having already told them I was looking for a new dentist and b) the dentist with whom I had supposedly missed the practice having allegedly left the practice. I queried this in writing, again informing them that I was not happy with the service and that I was looking for another dentist. No reply. Today I received a letter from P&J debt collection services informing me that if I didn't pay then court action would be taken with costs and interests added. I have contacted the dental complaints service. Can anyone offer any advice or perspective on this situation? thanks.
  2. Hi all please forgive me if this has already been answered. I have looked around the web and this website but still I cannot find the best way to deal with this issue I have. I was shocked couple of weeks 02/07/2012 by a letter sent by a debt collector acting on behalf of kingston council for a pcn issued on the 22/06/2011. ( yea that is 1 year ) they are asking me to pay £397 for a ticket of £110 initially. the so called offence is stopped / parked to a bus stop. I have contacted kingston council for more details ( I have moved from the address they have been sending the PCN on the 28th of may but only change my v5 car registration address end of augusts 2011) here is their reply: " we sent youthe original PCN on 30/06/2011, the Charge Certificate was sent on 04/08/2011and the order for recovery was sent on 05/10/2011. The case was passed toPhoenix on 24/11/11 and subsequently passed it from them to our other bailiffs- Collect Services Ltd. on 30/05/2012 to try to seek payment As your case has been passed to them, you willneed to speak to them directly to arrange payment or to seek further advise..." after all these so called letter sent to my old address they also when to court to get an order for recovery of unpaid penalty charges totaling £172 ( adding some fees). they have also sent me the picture of the offence showing driving arround the bus stop althoug it is not clear that I am stopping . apparently I cannot appeal as I have passed the time allowed for that. my question is to know if there is anything I can do about this to not pay the £395 and not spoiling my credit score? I already have some other bills and cc I am trying to clear out my financial situation is not so great .... Althoug I understand that it is my responsability to change my registration address the debt collectors managed to find me. thank you in advance for your help on this
  3. hi guys just now ive just received a letter from wescot.Reguarding an 2 year old BT phone bill. I refused to pay my bt phone bill and broadband with them has the phoneline and broadband wasnt working properly.people could ring me and the phone wouldnt ring at my end.broadband was cutting out all the time upto 8 times aday.I phone Bt reguarding the matter loads of times.and there just reported the fault and said it will be fixed in 72 hours by sending some kind of signals down through my phone line. but no change the fault just kept contueing so i didnt pay the bill and let them disconnect me from bt. Anywhere last year in march 2010 my neighbour pulled me up and said to me are you mr ------- and i said yes.my neigbour said a company keeps ring for you on my house phone called wescot and asking for you and asking if i am still living at my fixed address.She told me that she told them i still live there and that wescot are sending me a letter reguarding the matter so said ok thanks to my neighbour. The next day I got a letter from wescot credit services reguarding the debt for the phone bill £330.54p.so i offered them a £1 a month and there expected it.At th time i thought just pat this £1 a month to them and it will get them off my back. Anyway to put things short i got bored of paying this £1 a month to them so i stopped paying it 6 months ago .and today i receive a letter from them 1st time since stop paying them saying Our records show that you have failed to maintain the agreed repayment plan .the last payment received on your account was £1 on the 17/08/2010 and as a result the repayment plan is £5.00 in arrears. you have already acknowledged liability for this debt by agreeing this repayment plan,therefore you must take immediate action to clear these arrears. please do not ignore this letter to do so could result you in either us or our client taking action to recover the debt,which may include: 1 legal action against you through the courts. 2 referring your debt to a door step collections agency to carry out collections at your home. do you think i should just start paying wescot again? any advice would be great or help on this matter would be great...
  4. I received a postcard through the post today from this company asking me to contact them about an outstanding debt of over £1000 from 2008 on behalf of Thames Water, in the name of someone who has never lived at the property. I rent the house and my landlord picks up the post sometimes. He said he received a few letter from Thames Water about an outstanding debt in the name of someone who's never lived at the property so he's just ignored them (my landlord is in his 60s and was born in the house). I gave them a call and told them that I wasn't the person on the card, gave them my landlord's contact details. Bit worried they'll send 'the heavies' round! What should I do next? Any help/advice, much appreciated.
  5. I posted on a thread a couple of days ago, and it struck me that the OP was most of all paralysed because he didn't KNOW that the DCA was in fact powerless, and the forum is so big now that it takes a lot of searching to find the gold so to speak. So.... I want to create a guide to DCAs, and make sure that when people Google any of those names, the thread is at the top of the search, so that first of all, they can be reassured. If they're not afraid, they can start thinking logically and then fight back, but first they need not to be scared anymore. So, I want to name them all, so I am going to post here the ones I can think of, please add to the list. Also if you see one on the list and there is no documentation, could you please post a copy of their template letters (washed of all info, but you knew that, right? ). Ultimately, I want someone to type "Lowells" in a search engine, and they will see their MO, a copy of their threatograms, etc... and so, once that thread is live and going, I'll be asking every one of you to help publicising it, but that's in the future, obviously. (I'm away all next week for starters, so I won't be able to start compiling until after that, but in the meantime, all info is welcome. PLEASE TRY NOT TO DUPLICATE THE INFO, SEE WHAT OTHERS HAVE POSTED FIRST!!!! Thanks, BW
  6. I am writing this on behalf of my father and would appreciate any feedback and answers to my queries. Here is a detailed history of the correspondance, please bear with me: He recieved a letter in Oct 2008 from Turnbull Rutherford Solicitors claiming to be acting on behalf of HFO Services (I have since found out these companies are linked) with an outstanding account of over £1,000. He ignored this letter having never had a debt with HFO. HFO contacted him by phone and told him they were collecting on behalf of Monument for a credit card he had. At no point has either Monument, Barclays (monuments holding company at the time) or HFO informed him in writing that the debt from Monument was purchased by HFO. First question - Is that legal? should they have informed him of this or not? About a year later after phone harrassing he agreed to pay £50 a month DD (over the phone), they sent a letter in Oct 2009 detailing the direct debit with a direct debit agreement attached, he did not sign the agreement but the letter does state that he doesnt have to take any action and the DD will go ahead. What is strange is that in this DD agreement letter the debt has decreased from over £1000 to £662 before any payments have been made. Sensing this was a bit suspicious he spoke with the Citizens Advice Buereau who gave him a template letter asking for a copy of the creditor agreement under the Consumer Credit Act 1974 within 12 days. This was sent to HFO 10th November 2009. They responded over the 12 day period on 3rd December 2009, however they only provided copies of 5 statements of the credit card and not the CCA. The letter states: "Please find attached copy statements that we have recieved from Monument. As soon as we have recieved the rest of the documentation this will be sent to you." Again is this legal? I have read in many places regarding this 12 day rule for CCA requests but am unsure what it actually means. If they dont respond within 12 days does this make the claim unenforceable or does it only make any further interest charges on the debt unenforceable? He finally recieved a CCA dated 10th May 2010, however this does not appear to be complete. Firstly they have only sent the application for credit to Monument. This does not detail the full terms and conditions and the interest rate for the card. Secondly they have seriously breached the Data Protection Act by sending him the wrong application form from someone who applied to monument a year later than he did. To clarify they have sent two pages - one is an application for someone else detailing their address and bank details the second is a 'Rapid reply card' (not a full application) detailing his name and address and asking for him to complete the following details on employment, income, contact number and to sign a credit agreement declaration. The declaration states 'I am applying for a Visa credit card issued by Barclays Bank PLC, I have read and agreed to be bound by the Terms and Conditions...etc' There are no comprehensive terms and conditions attached. Does this make the CCA unenforceable? He then recieved a letter dated 8 days later (18th May 2010) from HFO claiming to be a final settlement and closure notice informing him his debt now owing £670 will be charged at %12 interest per annum, he ignored this. He has now recieved a letter in Aug 2010 claiming to be a 72 hour notice of litigation. He says he doesnt mind going to court as he can bring up the several failings in the debt collecting procedure - Firstly he wasnt informed of the debt being sold, he has since spoken to Monument and Barclays who have no record of him. Secondly the CCA wasn't provided in adequate time and containing the correct information. Thirdly HFO Services have breached DPA by sending out information on another applicant. I would appreciate any feedback on this matter as to whether we can expect to get this debt written off or not and how to approach the issue. Thanks for your time. Chris.
  7. Hi there I had a lovely phone call from Brian Carter Solicitors yesterday morning telling me that they are working on behalf of Eon for an outstanding Gas bill amounting to £982.22. The worse thing about all this is the debt belongs to a house I once joint owned with an unfaithful ex girlfriend who already cost me a whole lot of money (house contents and the cost it took to remove me off the mortgage and transferring deeds etc)... you get the idea. The bill is for dates: 24th Sept 2006 - 14th Sept 2009 I UNOFFICIALLY moved out (ie. wasn't taken off the mortgage yet etc.) in: June 2007 I LEGALLY moved out (ie. deeds were transferred over to her and her farther and I was taken off the mortgage) on the: 18th Jan 2008 I THINK I was the only name on the bill even though we were both living in the house. Through all the stress I had I must have totally forgot about removing my name from the bill. I realise I am at least half responsible for the period between 24 Sept 2006 to 18 Jan 08 and I am willing to pay half of this is I really have to. What should I do? I'm being chased for debt in which I am less than half responsible for! I've been in no contact with my ex since I moved out, she is VERY hard work, money grabbing and nasty so would rather keep it that way (I understand this might be impossible though *shudder*). Thanks so much for your help.
  8. Hi guys, Just a quick question really. I had a t-mobile contract a few years ago and asked them to cancell it at the next renewal. However i keeping getting bills from them at about £35 a month and its now at the debt collectors for a few hundred. I've spoken with them and they say i said no such thing to them and i must pay it. Naturally i tell them where to go. I just need to know... If i didn't sign a contract to renew it, are they legally allowed to continue charging me? Could i just ask the debt collector for the contract (which doesn't exist) to shut them up? any help would be great. Thanks!
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