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Found 12 results

  1. Capita look to be in trouble, wonder where this will go, especially in view of the Capita/Equita/Ross 'n Robbers stitch up at many infested councils. https://www.theguardian.com/business/2018/jan/31/shares-in-uk-government-contractor-capita-plunge-40-after-profit-warning
  2. The Queen's most senior aides have summoned her entire household to an emergency meeting this morning. The Lord Chamberlain, the most senior officer of the Royal Household, and Sir Christopher Geidt, Private Secretary, will address staff from royal residences as far afield as Balmoral. Sources said the Lord Chamberlain does call meetings from time to time and that it would be wrong to speculate. Scores of staff arrived at Buckingham Palace this morning.http://www.telegraph.co.uk/news/2017/05/04/buckingham-palace-summons-entire-royal-household-emergency-meeting/
  3. Hi I have several debts that have been passed to Lowell's. I've had the usual letters from them requesting payment etc. Some of the balances though, seem a lot higher than i remember so have written to Lowell's the standard letter requesting CCA. The letter was dated 15th January 2016. I have had a couple of replies which read as follows: "you have requested documentation under sections 77/78 of the Consumer Credit Act 1974 for this former/B]XXXX account. We have asked XXXX to provide us with the requested documentation and will send this to you as soon as possible. We aim to provide this to you within 12 working days. In the meantime this account is on hold and we will not contact you to request payment. If we have not heard anything from XXXX after 40 days we will send you an update." I received the following letter as a follow up to the above one: "We refer to your recent request under sections 77/78 of the consumer Credit Act 1974 for a copy of the documentation for this former XXXX account. We have requested a copy of the documentation but have not received this yet. Your account will remain on hold while we await the requested information from XXXX." My questions are: 1. In both letters they refer to the account as a "former" account. Does this mean the debt now belongs to Lowell completely or are they simply acting as an Agent? 2. I want to do a follow up letter to Lowell's about all the accounts but am unsure of the time scales within which they have to supply the requested information. I've tried looking this up but keep getting conflicting information. Am I correct in thinking that the first deadline is 12 days plus 2 (is this working days or just continuous days?)? They also mention a further 40 days time limit. From the research I've done I've only come across 30 days but again don't know if this is working days or not. Could someone please clarify the time limits and from which date each time limit should commence? 3. Finally could someone advise on a follow up letter or a template letter that i can use? The original letter I sent made no acknowledgement to the debts. Hope someone can help.
  4. I'm completely at the end of my tether with this company and unfortunately there is not a short description of how they have messed me about. It all started when I got my bill at the end of July 2015 for £330.15 which was incorrect and a mistake by Vodafone. I had been overcharged by around £158 which was eventually credited to my account. I have been with Vodafone for over 10 years; I have three mobiles on my account and would consider myself a very good customer. I have never missed a payment in all the years I have been with Vodafone. • When I received this bill for £330.15 I called 191 to query it and the adviser agreed that it was wrong and told me that he would fill some forms in and have it sorted in 24hrs • 48Hrs later I called 191 again and found it still hadn't been sorted, I then called 191 repeatedly for the next 6 days speaking to various advisor's trying to get this sorted out. Eventually I was told it was definitely sorted and I wouldn't hear any more about it. • On Sunday 2nd Aug I got a text saying that if I didn't pay my bill that my service would be restricted, I assumed (wrongly) that this was a mistake as I had been guaranteed by your advisor that everything had been sorted out. • On 9th Aug I got a text saying that my service had been restricted as I hadn't paid my bill. I then called 191 (again) and was told that it was a mistake by Vodafone and the restrictions would be lifted within 2 minutes. • One hour later, still no service on any off my mobiles, (again) I called 191 and was told that they had forgot to lift the restrictions at the technical end and that they would do that now and it would all be ok. Finally after this last telephone call my service has been reinstated. I put all of the above in writing and sent it to the customer service department recorded delivery and never even got a reply. I followed it up 1 month later with another recorded delivery letter asking why I had not had a reply, again still no reply!!! When I got this big bill the first thing I done was cancel my DD as I was not giving Vodafone a free reign to just take whatever they wanted from my account. Once it was all sorted It took me till Dec to get the DD set back up again this took loads of 191 calls and live chats and wasn't sorted till I eventually went into a Vodafone store and the guy told me a box had not been ticked and that is why it had never been set back up again. The next saga was trying to get world traveller added to one of my numbers for a trip to the USA, again, after numerous 191 calls and live chats it was supposed to be added. Unfortunately when I got to the USA I found that it had actually not been added and the phone wouldn't work. To top this all of I received a call from the Vodafone sales team on Thursday 17th Dec 2015 (01709 918625) saying that I was paying to much per month and that she could change my price plans to save me money. I gave her both barrels about all of the above. I got an apology and was told she would put a note on my account and someone would be in touch to discuss, I've I heard this a million times now but no one ever gets back to me. After I got this of my chest we then discussed the various options on my account. I agreed to have one of my numbers increased to 6gb of data unlimited calls and texts for £41 per month and another one of my numbers changed to 6gb data and unlimited calls and texts for £33 per month. and she also offered a refund of £120 for charges I had incurred for going over my data usage. Yesterday Mon 22nd Dec I receive 2 emails from Vodafone, it now turns out that they have put one of these deals on the wrong phone and they are actually charging me £49 per month for both plans and not the figures agreed on the phone. and no sign of the £120 refund. When I found this out I went onto my online account and it was saying the same info, I then started a live chat and got the usual muppet who didn't have a clue what he was doing and couldn't do anything to help. Hence why I am now on here looking for a way forward??? I am extremely disappointed, exasperated and absolutely fed up with Vodafone and its call centres. I have much better things to do with my time than spend hour after hour on the phone to their staff because they keep making mistakes and getting things wrong. Any help or advice would be much appreciated, Thanks in advance Robert
  5. Hi , We have been issued with a window ticket in a free car park of an entertainment complex with lots of restaurant's etc as we where ," observed leaving site". We did leave for 30 minutes on arrival but returned to visit the arcades . I am wondering do we appeal now or do we wait until they make contact with us. I have read several posts on here, but still not sure of the correct protocol for this . The husband is out taking a photo of the signage now to see if that will aid our appeal. Also if someone watched us walk away, would they have been permitted to take a video/photo to support their ticket? or does it come down to their word against ours? and finally how do I go about finding out who owns the land that UKCPS work for?. Please feel free to point me in the direction of a past post that may cover all my questions. Thanks for your help in this matter
  6. Hi all looking for advice a previous credit card debt has now been passed onto lowells who sent a letter asking me to phone. I didnt phone i sent the cca letter requesting my cca with a £1 postal order. I received a reply yesterday saying my account with them has been put on hold because they are trying to get the original cca from barclaycard. This is for a credit card i took out in 2004 and was paying up until 2009 but hit hard times. i have not paid anything since then and was wondering what the next course of action is please? on my credit file it says barclaycard settled my account then lowells took it over/bought it?? any help would be much appreciated thanks ☺
  7. Having become a reader of scoop.it, it has been noted by the Americans that the Welfare Reform has caused more poverty than it has eluded to change tell us something we don't already know, full story here http://www.enewspf.com/opinion/analysis/51199-report-examines-u-k-s-new-welfare-system-cautions-against-u-s-implementation.html MM
  8. Last one, the big one! Thanks in advance for reading. Type of Debt: Collecting: Moorcroft ('Acting on behalf of' Barclaycard) Status: Default (18/07/12) Balance: £7075.00 (as per credit report) Last Payment: Token payment on June 2012 06/01/13 Request for CCA & 25% F&F offer sent to Moorcroft. 09/01/13: Acknowledgement letter received from Moorcroft. 02/02/13: Counter F&F offer of 90% of balance due, valid for 10 days. - I did not respond to this letter. 12/02/13 Received a letter from Barclaycard showing: a) Statement of my account (balance and current status). b) Reconstituted copy of my credit agreement.( Online agreement so no signature but also no "tick box"?) c) General terms and conditions. Is this all ok? Where do you think I should go from here? All help is appreciated.
  9. This is debt 4/5. Really annoyed at myself for getting this additional default. At the time I thought "oh well, whats another default going to do..." Silly boy. Type of Debt: Credit Card Collecting: Moorcroft (Only 'Acting on bahalf of' Halifax) Status: Default (19/10/12) Balance: £705.00 (as per credit file). Last Payment: August 2012 Penalty and interest charges already reclaimed. 28/12/12: Letter received from Moorcroft offering a discounted offer of up to 20% depending on my personal circumstances. I did not respond to this letter. 06/01/13: Letter sent to Moorcroft requesting CCA. 09/01/13: Received an acknowledgement of my CCA request. Letter also asked me to "provide an indication of the information you would rely upon, when giving evidence to the court or information to the relevant statutory authorities in relation to the alleged subject matter of this account." - I thought this was a very strange request and did not respond to this request. 29/01/13: Sent another letter reminding them of CCA request deadlines and offered 25% F&F. 02/02/13: Received a counter offer of 90% of the outstanding balance valid for the next 10 days. No mention of CCA request. - I did not respond to this letter. 09/03/13 Received a letter advising me that I have 'defaulted on the agreement we reached' and that I was now in arrears of the sum of £159.00 along with some "doorstep call" threats. 14/03/13 Today I have sent them a letter putting the account formally into dispute as they cannot comply with CCA request. I also noted that any form of communication other than written, would be seen as harassment and reported immediately. This one seems strange. They lead with discount offers, now cannot produce a CCA and claim I have breached a fictitious agreement made with them! Any suggestions my forum friends?
  10. This is debt 3/5, then I will stop creating new threads for a while! My aim is to clear these debts at the lowest possible cost to myself. If someone can tell me if I am doing the right things here and what action I should take next, it will be very much appreciated. Type of Debt: Mail Order Collecting: Lowell (Now own the debt. OC is LittleWoods) Status: Default (04/01/2011) Balance: £1120.00 (as per credit file). Last Payment: Jan 2010 Penalty and interest charges already reclaimed. 06/01/13: Letter sent requesting CCA. 29/01/13: Sent another letter reminding them of CCA request deadlines and offered 25% F&F. 13/02/13: Received a letter showing: a) Credit Agreement with LittleWoods and my details ( no signature but was online application.) w/"additional terms and conditions' b) Credit Agreement with Shop Direct details only w/ "additional terms and conditions" c) Written statement on the status of my account and the balance payable. They have completely ignored by F&F offers. I have not admitted any debt to Lowell. How should I proceed with this debt? Lowell did send me a letter at the end of last year saying they were going to pass on this debt to another DCA but that has never happened. Or I have not received any letters from them. Thanks for reading
  11. I recently got a parking eye ticket for overstaying at an aldi car park. I was there for 2 hours 15 mins and the time limit was 1 hour 30 mins. In the pictures my licence plate was not visible on one of the pics due to glare. I emailed them sand told them I would not be paying said charge but if they had further picture evidence I would be happy to pay £0 due to the financial losses suffered due to this apparent overstay. I did not state I was the driver. I told them not to contact me again unless they were sending me a popla appeals reference number, They have now sent me two follow up letters. One saying I need to provide evidence I was in Aldi. I don't know what this has to do with anything. But they have also sent another letter stating they are entitled to take enforcement action against me if I do not pay and that under schedule 4 of the protection of freedoms act 2012 that the driver is required to pay this fine. They say they have the right to recover this charge under paragraph 9 of this protection of freedoms act, they have kindly put it on hold for 14 days while I provide further evidence. I know people say its best to just ignore them, I wish I had now. But what do people think my next course of action should be. I have no intention of paying them but i have not heard of anyone recieving a letter of this kind before . thanks in advance
  12. Hi folks, a great forum with loads of advice. I could do with some assistance on the following, as I'm unsure how to proceed or which template to use. My parents recently received a Debt Collection Notification letter from Equidebt, acting for Aktiv Kapital UK Limited, stating they owed over a thousand pounds and needed to reply within 7 days. My parents knew nothing about the alleged debt, so on their behalf I wrote back to them within the 7 days, using the following content: You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed. I am familiar with the “Office of Fair Trading Debt Collection Guidance” which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise, I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I look forward to your reply. Yours faithfully Today, a follow-up letter has been received stating: With reference to recent correspondence regarding the above account. We can confirm this account relates to an ###### account. This account was passed to us on ##/##/## with a balance of £#,###.##. The reference number relating to this account is ######## however; please quote the Equidebt reference in any contact with ourselves. The following information relates to this account: Client Reference: ######## Default Date: 15th February 2000 We now require your immediate proposals for repayment. My parents still know nothing about the alleged debt, and this is worrying my mother to the point its affecting her health. Any advice on how to proceed would be very welcome. Cheers.
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