Jump to content

Search the Community

Showing results for tags 'letters'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 165 results

  1. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more like a memo than a letter! Has anyone got any advise as to how I should proceed with this? The 12+2 days are definitely over. As Robinson Way were dealing with this, is it still their responsibility to respond to my CCA request? Thanks AM
  2. https://www.consumeractiongroup.co.uk/forum/showthread.php?490294-Received-A-Letter-From-Welcome-Offering-To-Give-Refund&p=5172113#post5172113 Hello. What was the outcome of your refund ? Did you get it ? I have received one of these letters today offering a refund. I was surprised as I think they already knocked off the PPI from my original claim from about 8 years ago.
  3. Over the last 4years I have been receiving letters from N Power at my address, but for the previous occupants. As I used to be an Npower customer I have opened a couple of these thinking they were my bills etc. and have found that the previous owner of my house is getting gas and electricity supplied to another address,but having all correspondence sent to my address still. I have tried contacting Npower dozens of times to stop this and every time they have said it will stop,but it never has. About 18 months ago they offered me £20 credit as compensation/goodwill gesture onto my account for the hassle it has caused. I have now left Npower and changed supplier yet despite their most recent promises I am still receiving mail to my address for this other account. Last night I called Npower again and once again explained the situation. I am now told that as I am not the account holder, that they cannot do anything and that they will keep sending mail to my address. I have explained that I am worried that somebody could be racking a debt up against my address and that if they are, that they could end up sending bailiffs etc. round to my house. Is thereanything I can do, or do I just have to accept that these clowns will continuesending me somebody elses mail.
  4. I have/had a disputed figure with Barclaycard, which they either sold or passed to a DCA (different letters state different things). Neither Barclays or the DCA have had the nads to pursue the disputed figure through the courts and as I haven't responded to any of their nice "please contact us, we will do everything to help you" letters, I have under a year to go till the Statute of Limitations (SOL) kicks in. A couple of weeks ago, I received a letter from Barclaycard, apologising for their their being less than fair on me when I was a customer, and awarding me a couple of hundred quid by way of restitution for the fees, interest, arrears, and threatening behaviour they inflicted on me over the years. It went on to say that as I have an outstanding debt, they would pass the money on to them to deduct from my account. Which, as it isn't an admission of unfairly charging extortionate fees and interest per se, I am pretty sure the money should have been paid to me, not the DCA. And if they sold my "debt" to the DCA, as they have stated in the past, then they wouldn't have had any further claim on my account. Of course, the letter went straight into the shredder and into the recycle bin. Then at the weekend, I received another letter again saying they may have treated me less than fairly, and saying they were going to pay £75 IN CASH no less, to me personally. There was an enclosed form for me to send them details of my bank account to pay the money to. Well, whoop-dee-doo! I'm going to be £75 better off. Or am I? The problem is with the SOL. If I return the form to have the money transferred to my bank account, can they misconstrue this to be me making contact with them regarding the disputed outstanding figure, and reset the SOL again? Is it best to err on the side of caution? £75 isn't a huge sum but after being turned down for PIP after being on (undisputed and indefinite) DLA for the last 6 years (another story) it would certainly come in useful.
  5. Hello all, My very first post ever on here. Please can I bend ears, pick brains as I'm confused about the letters I've had today. Letters in my maiden name, I was married in 2003. Debt amount 943.43 I understand the letters are stating they are a statement from year 2012 right through to 2018. Stating they haven't applied interest or sent statements and I do understand this with an apology. Original debt citi financial Then it's saying passed or changed to arrow and now cap quest have got the debt. I do recall cap quest contacting me on my mobile a few weeks ago, I didn't recognise number so did a Google search. Didn't ring them back and thought nothing of it. Today came home with letters with different dates from 12 to 2018. Every single ccj or default has been lifted off my credit file 2 months ago. Following a painful debt paying process I can honestly say this has blown me. I'm worried. I have paid everything and now I've got this. On one of the statements in May 2013, it appears I've paid AND I do not recall me ever paying this, but a 15.00 payment has been made..... This has thrown me and no idea what it means. The start of letter reads, fixed term credit agreement, with ms E Maiden name and citi financial. If you require further info or for me type out what they say, each letter is the same, just different years. However, each year is dated 1st May 2012, then 1st May 2013 etc. Checked out the days unless they work on a Sunday.... The only letter that's different is one printed this week. It's ref is remediation of account. It is from Arrow and makes no ref to cap quest apart from saying if wish to discuss at bottom. Stating under rules cca 1974 stating required by law to write and noticed that we haven't written to you. Further saying that a full review of my account and failed to provide me with statements since May 2011. To remidy this, we have compiled all your statements. On the what does this mean to you. It states, this exercise does not affect your account, repayments or your obligations to repay. If anyone knows what it means and what I need to do. Not sure about this payment In 2013 either. Not sure the action to take on this Not sure the action they can take on me. Thank you
  6. My vehicle was being impounded by the high court enforcement because of an unpaid contravention 34J Being in a bus lane. This was issued on 11/05/2017 and my vehicle was being impounded by Equita on 18/07/2018. Luckily I arrived to my car on time and after discussing with the officer I said I do not recall or ever heard of receiving a fine for being in a bus lane and if I did, I would always pay within 2 weeks. He checked the system and said 7 letters were sent over the period of 1 year, however I received NO letters! I am sure the address is correct where I am living, I trust everyone living in the house etc. I always receive all letters including the council, I have had PCN tickets from council before but for this particular fine nothing at all, how can this be? This forced me to pay £513 up front! The officer then giving all details needed and I was able to check the PCN online and now have the evidence of the contravention but no letters which is very strange! I will be calling council to see why letters haven't been sent but I can image they will just be saying "we have sent them" here is a video clip of the contravention that was not known to me until I caught the officer impounding my vehicle: vimeo.com/285471611 After viewing the footage I've accepted the contravention but not paying £513 as I have received no letters, what can I do about this and how could of this happened? I would be willing to go court if I fighting chance... do they not need to provide evidence for letters sent?! Plus can we not go in a bus lane to make a left turn? Thanks!
  7. Hi - I've recently received three letters from Lowell headed 'Pre Legal Assessment' that goes on to say they are deciding whether to pass my account(s) to their legal team. Has anyone seen these before and should I do anything? I wasn't sure if I should send the Prove it letter or CCA request. They are for CCs and a store card. I have moved since the debts defaulted and they are around 5 years old. I have a scan of the letter with personal info obfuscated if anyone would like to take a look to make sure? I know the legislation for LBAs changed recently, so wasn't sure if they are allowed to send me a court claim next or it would be better to wait for an actual LBA. Thanks for any advice.
  8. I applied for a Subject Access Request to Barclays. Roll on 40 calendar days* Barclays send me two packages via courier. One of them had bank statements and letters belonging to a Nigerian businessman. Some letters were about freezing his accounts due to a court injunction/restraining order, unfreezing it after the court discharged the restraining order, and eventually the accounts being closed by Barclays a few days later. (See redacted documents attached) The statements cover a two year period at least. There was also a letter about a children's Instant Saver Account. (see attached) Account numbers, sort code, address, all transactions on his account...the lot. Pretty shocking how reckless Barclays have been with his data. The worst part is, Barclays say in their GDRP letter sent to us: 'Barclays is committed to protecting your personal data..". Does anyone know if I should complain to the ICO or is it Barclays? It used to be ICO. This may have changed after GDPR came in to play. * - I applied before GDPR came in to force, so deadline was 40 days not 30 as it is now. Barclays-Mr-X-Accounts-Closed.pdf Barclays-Mr-X-Unfreeze-Accounts.pdf Barclays-Mr-X-Restraining-Order-Freeze-Accounts.pdf Barclays-Mr-X-Child-Saver.pdf
  9. I am currently in dispute with a builder over a patio - there have been several attempts to remedy the situation over the past 12 months the patio has been re-laid but there are still significant issues. Last time the builder was on site I unfortunately swore about the situation not directed at the builder. The builder became very aggressive and intimidating - shouting and swearing at me. I asked him to leave the house and he continued. Fortunately, at this point my wife came home with my daughters and she could hear the builder shouting from outside the house. I managed to get the builder into the front garden where he continued to shout and swear at me in front of my wife and 5 and 3 year old daughters. My wife asked him to stop multiple times. We got the children in the house and then he eventually left after a final tirade. In the evening the contractor sent a text to my wife rather than me acknowledging his behaviour had been inappropriate. He is offering to carry out further remedial work but we are obviously reluctant to have him back on site after this situation - he is a big guy. Where do we stand legally if we don't feel comfortable having him back on site?
  10. Hi all, After more great advice on top of what I have already received from here. First issue: I sent a bog standard prove it letter to BPO Collections this month (using template from either here or National debt line). Apparently they now own a debt from Motormile Finance/Lantern. I think I took a payday loan out in 2011/12 with CFO, who went bust, debts purchased by Motormile, who changed names to Lantern, who have assigned this to BPO. It becomes very confusing to keep track of name changes and who owns who. The letter I received back states (amongst the usual twaddle): What should be my next step? they are refusing the prove anything if I'm reading that right. I've checked my credit file (3 different agencies) and if there was anything on there from CFO/Motormile/Lantern/BPO it isn't on there anymore. I don't ever recall paying anything to any of these companies or speaking to them. Second issue: I sent a Statue Barred letter to BW Legal in regards to a PRAC/PayDayLoans debt. Again it was from a template from either here or the National Debt Line. They have replied back with the following: Followed by the usual how to pay stuff. Firstly, they have the dates wrong as my credit file states that it was started on 10/01/2012 and the default registered 1/7/2012. Secondly they already sent a letter of claim for court action in November last year but never followed it up (I foolishly didn't reply at the time due to ignorance on my behalf). I haven't paid a bean or acknowledged debt. So this is statue barred right? How should I respond or should I even bother? I'd like to put something to them that draws the matter to a close, but I thought the SB letter was meant to do that? Thanking you in advance.
  11. Hi, some weeks ago a letter from Eon reached my address addressed to a person who does not live there and liver lived there in the last 5 years, and wasn't the person who lived here before we moved in. Thank you for switching to EON, please send us your meter reading so we can complete the switch. Thinking nothing of it, I binned the letter. After that more letters from eon arrived, addressed to the occupier. Most I binned some I opened. They seemed very genuine, in the line of You won 1 million pounds please send us your personal details and some money so we can complete the transaction. More recently they were actual bills, reminding me to send my meter reading to my supplier which is not EON. It didn't work online. I tried it by phone and it didn't work. I called them on there service phone and the lady accepted my meter reading. A week later and I still didn't get a bill. Checked online and my meter reading wasn't there. Now I sent an e-mail to my supplier who confirmed that EON had falsely grabbed my account and switched it to them. (They still had all the data like meter point number and meter serial number because they were the supplier years ago before we switched to the new supplier). I checked the old bills, and the previous account number was different to the account number used for the new bills. I called EON and was put on hold most of the time for more than 10 minutes. Once I talked to someone, but I remember only because I didn't input the account number as asked. As soon as I gave him the account number I was put on hold. A mail from my current supplier confirmed they are working on the issue to solve it and it can take 6 months. Now letters from EON contain the bill for some time (£37), a threat of debt collectors, and threats of court orders, magistrates, warrants, etc. I'm afraid one morning a whole terror group of the police will smash in windows and doors, killing my orchid, only to have a look at my meter. When I checked the Internet, I found this practice of threatening The Occupier by utility companies is going on at least since 2004. Is there any party or MP or court or judge willing to put a stop to this fraudulent behaviour? Put the CEO and her whole board of directors into prison and throw away the key, something along this line. We had a similar issue with British Gas. After moving in to a new property, someone knocked, asked for the meter reading, and a week later I got a letter from British gas congratulating me to switch to them. Somehow I got the matter resolved in a very short time, probably involving trading standards, or calling BG and pulling the guy through the phone line. Can't remember. But this seems to me endemic considering all the links found here and other forums, and the Internet at large. Another question: If I go to court to stop the harassment by EON, how much would I need to pay to a lawyer?
  12. http://www.thisismoney.co.uk/money/markets/article-5653351/Computers-decide-PPI-victims-payout-explosive-documents-show.html
  13. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type Credit Card Account number ******6888 0 Account start date 09/05/2008 Opening balance £ 4,471 Regular payment £ £ 1 Repayment frequency Monthly Date of default 28/02/2014 Default balance £ 4,471 I am now being contacted by Westcot about it daily and in letters. I would like some advice please. 1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid. Do I contact westcot and advise them that I will be contacting them or not? 2 - What should be my next plan? I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a nd I am not sure what I should do, I can ring them up and offer £200 a month not an issue. 3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings - i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me. Thanks in advance!
  14. I have been told that letters sent into the DWP without a clear heading like ESA Mandatory Reconsideration Request will be deemed to be 'white mail' and so will not be looked at by anyone until the writer telephones to find out what is happening about their letter. I ask because my ESA MR request dated and sent on 25th Nov 2017 has only just, yesterday 13th Feb 2018 arrived at the correct department! I did telephone about it on 7th Dec and was told it can take a few weeks before you will hear from them. Over 11 weeks to get there! It will now take 7-10 days for them to make their decision. As we all know that it is only when you tell them that you will be appealing the decision that your ESA (at a lower rate) will be paid. So is this a new ploy by the DWP to delay payment of ESA?
  15. Hello, I am looking for some advice please. I have a standing order weekly to Fedex Europe paying off some outstanding import tax, however today I have received a Notice of Enforcement asking for £958 - includes a number of charges! I can happily print off the invoices for these payments and get these off to them, but I need to know what I can do re the letter? I have emailed them today asking for confirmation of whether any payments have been added to this account. I have until 31st March to get this sorted. Please advise. Thanks
  16. I received this text today: Please call CRS on.... Between 9 and 5 pm we sent. Letter a week ago and need to discuss this with you. Thank you. At first I thought it was a spam text until I put the text into Google and found out it is exercise for less/harlands. I cancelled my gym membership in April. I asked a staff member in the gym how to cancel and was told to 'just cancel the direct debit' so that is what I did. I have not received any letters from Harlands this is the first I have heard from any sort of debt collection agency. I was also told when I joined the gym that there was no cancellation penalty. What shall I do? I'm worried that this is going to go further and effect my credit rating. I was going to contact the gym I signed up in but saw that other people getting advice on here were told not to. Any advice would be appreciated!
  17. In July of this year I moved address and notified the council tax department accordingly. I own the property I moved from but informed them that I was living elsewhere in the UK. Over a month later, I received an email from somebody withing the department, asking for further information which I replied to the day after. On 11th October, I received a reply saying that a summons had been issued but would be withdrawn as all the correspondence had been sent to the old address and that a revised bill should be received at my new address in the next few days. I then get a summons sent to the new address (before receiving a new bill) which they now will not withdraw! Which defence do I use? The one that seems to apply on the back of the summons is 'the amount has not been asked for in the way set out by law' but I can't find any details of this. I would really appreciate some help as the court hearing is for 9th November and also, can I request for the hearing to be at a local court to where I live now? Many thanks
  18. hi there, my partner has received two letters from capquest one on the 23/12/16 stating that they were managing her account from arrow global she knows nothing about this account I told her to ignore it , then today she received another letter from capquest stating that the original creditor was newday ltd and that if capquest do not hear from her within 14 days capquest will be recommending their client to start court proceedings . the only thing she knows about this is when newday got in touch with her 2years ago and they tried to take money from her bank account so she immediately stop it and phoned newday they told her it was from a Debenhams card used in Romford she explained to them that when this card was used she was living in Newcastle upon tyne at the time 5 1/2 years ago they said they would look into it and she has heard nothing from them till now , the only thing she can think of is that Debenhams sent out a new card and pin number to her old address in Hornchurch after hers ran out and the new owners of her house have used it once again she explained this to newday . the question is do we get in touch with these people or ignore it any advice would be great thanks
  19. Following a recent change of address I have received what appear to be phishing letters from Arrow and Restons. The general advice on the forum appears to be that these are best ignored, I have a question. What happens next? I'm also told that these two companies actually visit this and other debt forums to check out what advice is being given to forum members. It somehow feels counter intuitive to disclose what you are going to be doing to thwart these parasites.
  20. Hello all, Cabot are writing to my old address, from which I get some mail forwarded, but certainly not all. The latest letter is a statement regarding a debt which is definitely SB, nothing paid on it since 2009. The amount was about 1.2k; Cabot have now added a transaction with something like "LGL ADJUST BAL" on it with a "credit" about £570. They have written YOU NEED NOT TAKE ANY ACTION on it. Is this an attempt to make it look as though there's been activity on the account? I don't know whether to send an SB letter, probably best to ignore? I'd rather they didn't send mail to my old address, though. Is it wise to just give them my new address? I'm quite confident in rebuffing / ignoring them if they do attempt to chase. Thanks DP
  21. Hi, I have emigrated from the UK, but Lowell keep sending letters to my old address. They are being marked with 'No Longer at This Address - Return to Sender' but, after being returned, they send out a new one to the same address. How do I make these guys stop? For what it is worth, I do not even owe the debt. Prior to moving, I cancelled my contract with Plusnet. I paid off the last remaining month, then cancelled the direct debit just in case they forgot to close things off on their end. That is exactly what ended up happening as, a month later, they sent me an e-mail asking me to get in touch with them over money I owed them for the previous month. I did so and I was told that they no longer have me on their list of active customers, so they are not sure why I was billed and they told me that I didn't owe them any money. A couple of weeks later, a letter arrived in the post. I have googled the address and traced it to Lowell's. It appears to me that Plusnet have sold off a debt that doesn't exist, who will now not stop sending letters. As I am overseas, the letters are not being opened and there is not a great deal that I can do to respond to this. Does anybody have any suggestions?
  22. Seems to be a trend on here and other website help forums, to ignore and even laugh off threats from CEL. Fortunately I have kept all correspondence and have been fighting this for my daughter since May 2016. Now she has been referred to the County Court Business Centre Northampton issue date 07/04/2017. In May 2016 my daughter had an appointment at a doctors surgery with her baby for injections. She is adamant she entered her car number plate on the screen inside the surgery but for some reason did not register. When the first letter arrived from CEL she approached the surgery to have it dismissed but was advised to be just out of time. As the letter came to my address she then emailed CEL with her new address and attached a letter with the appointment time from the surgery. This email was ignored I emailed CEL and informed them to refer to her change of address. Apart from getting a reply saying that I need permission from my daughter to act on her behalf, they still send letters to my address [ car registered there at the time ]. Looking for advice here for the best way to deal with these court papers. I understand parking needs to be governed but this seems unfair on my daughter whom the surgery were expecting. CEL Statement All visitors must register for a permit on a touch screen inside reception. If you park without obtaining a valid permit, you agree to pay £100. To deter abuse of this car park, these terms apply at all times. Additional costs will be incurred if payment is not received within 28 days. Arrival 10.53 20 Departure 11.12.37. Bill is now £327.04 including legal fees
  23. Hi Guys, After some advice, around 2 months ago i decided to go travelling. Before doing so i parked my car outside a business which is on a main Road in Manchester City Center. I asked someone that worked at this business if it would be ok to park there which they replied it would be fine. While ive been away, SIP parking must of bought the land the business was situated on and they erected a no parking restricted sign on the wall. Well after coming back from my travels ive came back to a windscreen full of tickets and numerous letters from SIP asking for £100, ive also received a letter from Gladstones solicitors. Ive been away so ive no knowledge that they put the sign up or that i was receiving tickets! just wondering if i have a leg to stand on, ive got 20+ tickets rolled up and i was wondering if i should reply to Gladstones with the reason why the ''parking offence'' has been committed. any help would be greatly appreciated. regards
  24. Hello, I have the following issue and was wondering if someone could help me figure out what I should do: CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans. They only text, never call and I never received any letters via post, I think they don't know my address as I have moved. They are threatening with court actions and CCJs. And told me that they have sent me a letter but I never received anything apart from regular texts. Is there anything they can really do, can they really take me to court if I have not received any official letters via post? I was thinking of sending them a letter and asking to do everything only in writing but at the same time if they do not know my address and my email address - I do not want to give them that information. And sending a letter without a return address doesn't seem to make sense... Not sure what to do in this case. Are these texts enough to get me a CCJ? should I reply?
  25. Hey everyone, I need your help, today I received an email from IAS (Known as Independence Appeal Service) that my appeal for unfair car park charge have been dismissed after I was told that the appeal would take a week but it take them two days for them to dismissed my appeal. Here is what it said: Dear Chris, The Independent Appeals Service (IAS) has received a decision from the Independent Adjudicator regarding your recent appeal for the below PCN. Parking Charge Number (PCN): XXXXXXXXX Vehicle Registration: XXXXXXX Date Issued: 2015-11-10 Appeal Outcome: Dismissed The Adjudicators comments are as follows: "I cannot allow the appeal on the basis put forward. It is difficult to follow the Appellant’s submissions but I believe they are arguing that they have been given an incorrect permit, although it is not clear from whom they received this permit. In any event the contractual terms advertised on the signs make it clear that any driver parking without displaying a valid permit agrees to pay the charge. The Appellant claims to have a visitor permit, but they were not displaying this, nor have they provided any evidence that they are entitled to a permit. Even if I accept the Appellant’s submissions, it would not change the contractual terms. If the Appellant does not have a valid permit they may park as they did and pay the charge or park elsewhere. They chose the former, and the appeal is dismissed. "As your appeal has been dismissed, the Independent Adjudicator has found, upon the evidence provided, that the parking charge was lawfully incurred. As this appeal has not been resolved in your favour, the IAS is unable to intervene further in this matter. The Operator must now allow you 14 days to make payment before they commence any action to enforce the charge. Should you continue to contest the charge then you should consider obtaining independent legal advice. Yours Sincerely The Independent Appeals Service
×
×
  • Create New...