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  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
  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
  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
  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
  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 trus
  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 t
  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) Acc
  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.
  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 sta
  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 w
  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 C
  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 decis
  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 als
  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
  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 s
  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 d
  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 ask
  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 th
  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
  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,
  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 O
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