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About Me


Found 9 results

  1. In 2012 my father received a demand letter from a company called Mackenzie Hall saying that they were collecting a debt acquired from the Lending Stream. He had no recollection of any kind of contact with either company or even a need to use this form of borrowing. He was 77 years old at the time and not in the best of health and housebound unless others took him out. MH were dealt with through correspondence asking for copies of agreements and proof of any transactions which they could not do so. They could only provide so called figures of the original amount, payments made a
  2. Hi All, I'm hoping you can help me I was a previous member of Lifestyle Fitness when the gym first opened December 2012 to which I signed up to a monthly rolling contract of £17.99. After cancelling my membership in November 2015 I was phoned weekly numerous times and then sent an email from the manager Jason Lombard trying to get me to re-join. I sent an email stating that I would CONSIDER it under the same terms of my previous membership i.e monthly rolling contract £17.99. After a phone call explaining this to him. I then received an email from him that a new mem
  3. Assisting a friend, an "account" from what I can see is Stat B, she has just received a letter saying its not as a payment of £5 was made a year ago, is there a template "Prove it" letter, and should the letter and any responses be sent to FCA and TS? Many thanks
  4. Hello, I recently tried to renew insurance for my van, on telephoning the company i was with I was told that I had 3 claims on the cue database which tripled the cost of a new policy. Having more than one person on the policy I could not be sure that this information was not correct and so allowed the company to cancel my insurance policy due to non disclosure of claims. When I rang a different company to get a quote only one claim was present on the database. The claim in question was supposedly ongoing at the time of talking to the first company but by the time I rang the
  5. just a quick one friends got a dca (cabot) after him debt he knows nothing abou8t but has been registered to his credit file they are telling him theres been 16 put in last month am i right in thinking they have to prove where that is from?
  6. Hi Guys In the event of requesting a CCA or DSAR and sending payment for the requested information, they attempt or align it to the debt to reset the SB 5 / 6 year period etc. While we all know that it doesn't... A certain DCA I've come into contact recently assisting a friend has aligned it to the debt and claimed that a £1 payment has been made to reset the SB period. What's they best way to combat this? If this was to hit court then how would you defend this?
  7. Had a letter today from the above re an alleged debt. the debt would be sb by now as we have not had debts for over 6 years. the statement part of the letter says 20 apr 11 payment rec'd thank you £5.00 now i know for a fact that this has not been payed by me or my wife. should I just ignore or go to battle? Is there a letter where a phantom payment has been made?
  8. Hi, today I had a letter from minicredit.co.uk about a loan that I knew nothing about I don't know what else I can do I have talked to my bank and they are sending the money, they apparently sent to me says in this letter they tried to call / text / email me but this is the first time Ive heard from them why would they start a loan without getting confirmation from the person who is meant to be setting it up! what can I do ?
  9. Has anyone ever had a problem with the DWP activating a debt for overpayment when you weren't even signing on? I am having money taken for an overpayment in January 2006 from Hull Jobcentre (for a job I was supposed to have done) when I wasn't signing on and not even living in the Hull catchment area, I was living off the proceeds of my house and credit cards. I did sign on later that year in late September when I was living near Hull. I can't seem to get them to grasp the fact that even if I did a job then it was none of their business as I wasn't signing on.
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