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  1. Hello there! Hope you can help/advise on what I should do! I have been working abroad for last 6 years, and have recently returned, in Feb 2018. I have since received a few texts from PRA Group, to contact them – of which I have not made any contact. I can only think this is related to a defaulted payment on my MBNA credit card, which had, as far as I remember, a couple hundred quid outstanding (yeah, completely forgot about that!) I have, on my return, moved to a different part of the country, and have registered on local electoral roll, updated address on HMRC, Cou
  2. Hi, I have joined the forum in the hope that somebody has useful information for me in my aim to shake Cabot Financial off, who are chasing a debt which becomes statute barred in September 2018. A brief outline of the debt I am being chased for: Type of debt: Credit debt - Santander Current account Outstanding balance: £590 (consisting £150 overdraft + £440 charges) Account closed: September 2012 After speaking with a helpful advisor at the National Debtline and explaining my situation, I was told it was a difficult one which needed careful consideration of my next s
  3. I called Autoglass for a replacement windscreen quote. As it happens the windscreen on my new car is fine but I wanted to know how much a replacement would cost for insurance purposes. The telephone sales person took the registration and looked up the model. I was asked did I need it replacing now" and I answered yes. "That will be £950". I said OK thanks. I was then asked "did I want to book an appointment?". I said no thanks.... "but you said you needed it now" Yes but its too expensive, I'll look elsewhere. "If you book an appointment today you'll get
  4. Hi, in March my wife parked at Macthedonald at Gatwick and overstayed by 19 minutes. I suggested she ignore the subsequent demand from MET parking following advice I'd read online. We've kept to this approach but we are both now worried as a demand for £150 from DR+, to be paid today, was waiting for us after our recent holiday. They quote the Supreme Court decision of 4th November 2015 as being a clear ruling that their client has to the legal right to make this claim and payment should now be made or court action will be recommended by them to the creditor. I know n
  5. Hi all, Long story short - I'm living with my partner and have been for some years now. However, the local housing trust (my parents' house), has received letters saying their rent is in arrears. I think it was around £13-15 per week. When my father questioned it, they said that new information had come to light that I had been living there (which obviously I wasn't). They said (verbally) that unless they provided them with an address for me that they would keep putting the charge on and evict them. To my mind, this is wrong. Whichever way you slice it, to do t
  6. Hi all, Some background before my question... I live overseas and have been paying off very old debts by way of F&F payments for the past few months. I am left with two small HSBC debts and a Capquest one which was originally a loan from a bank. Capquest have purchased this debt. My credit file is blank as the defaults all dropped off many years ago. I've been making token payments for the last 8 or 9 years but have recently stopped. I'm just wondering what the typical collection pattern is for Capquest? I'll start receiving their threat letters soon so I wa
  7. Hi all, new on here, and wondered if any body else has this experience. Broadband (not fibre) has worked fine all summer, since being sent a new router and buying a new computer,about March. In August/September I began getting sales calls, "go to Fibre", being the message. At about the same time, the BB performance began to decline again, being particularly affected by the passage of electric trains on the West Coast Main Line, about 50 mtrs or so away. I complained to TT, who couldn't find a fault with online testing, so a service call was arranged,for 17.10. I knew from Ts & Cs t
  8. Dear Caggers, I wonder if I could ask for a little advice. I fell on hard times some years ago and was paying a very small amount to 2 different companies in 2011 for debts I was told I had to pay by ex husband. After we divorced I moved and changed banks and it looks like one or two DD's didn't get transferred over, I heard nothing until last year and had assumed things were written off till I got a letter from Cabot last June. I sent the CCA letter and heard nothing more. Last Monday 9th June I received a phone call asking for me in my old married name. I
  9. lowel are chasing my partner for this debt. my partner noticed on the credit file for lloyds all bank charges they have taken the debt on but have stated in the credit file that we have agread to pay them and then gone in breach of payment plan any letters on that one was sent back with debt in dispute or if they have rung we have told them its in dispute we would never agree to pay lloyds as the debt was charges for going 50p over drawn and ended up with a £1000 bill the debt should also be in my name and my partners but the chases come in my partners na
  10. Hi all, I have a full 10 day hearing coming up for discrimination, whistle-blowing, victimization, harassment & constructive dismissal. The respondents asked me to forward a figure that i would settle for. I did this and now i have received a nasty letter from them. The respondents response is that they will only explore settlement if i drop the whistle-blowing element of the claim. This is odd as they asked me to give them a figure and now they are saying they will not explore settlement until i drop the whistle-blowing element. The respondents are the big public sect
  11. Hi, I overheard a conversation today that I couldn't help but get involved in. The upshot was that a mum had got behind on her council tax and there was a liability order. She sent an email to the council copying in Rossendales who had visited her putting forward an offer of payment. Rossendales responded - the council didn't - but she did not respond to Rossendales. She has an outstanding complaint with them levying a fee on a car that had finance on it to which they had never responded and had refused to deal with them until they did. Rossendales turned up on her doorstep
  12. Good evening all , I received through the post Fri what appears to be a wage slip . Approx 6 by 4 1ns . the ones with the perforated edge which you tear off . I opened it up and was asked to phone a certain person to update my details along with the office hours . It was only when I looked at the bottom that I noticed the name and address of Wetcloths . They should really leave that bit off if they want people to contact them. Is this a new tactic to get our attention ? Is it because us naughty caggers are immune or ignoring their threat o grams ?
  13. My aim is to clear these debts at the lowest possible cost to myself. I have other defaults on my credit file and I dont want it to get any worse. 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: Personal Loan Collecting: HFC (OC) Status: 3 Late payments Balance: £273.00 (as per credit file). Penalty and interest charges already reclaimed. 06/01/13: Letter sent requesting CCA. 14/01/13: Received a reply asking for a signed request and photo ID before they can compl
  14. I recently submitted an SAR to RBS, sent on the 7th Feb and received on the 8th Feb this year. This was for any and all information in whatever form (as advised by dx on a number of posts). About a week ago, I got a letter from their Mortgage department advising I'd never had a Mortgage. So far all correct. Today however I received two letters. One advising that the Lombard Request I put in should be directed to Santander, so I'll add that one to the Burton/Tandy/Debenhams pile for my next battle. However, another paragraph in this letter contained the following: '
  15. Received an email this morning - looks like they are trying new tactics to get card details of you.
  16. It would seem that the Swiss rails companies have taken up the UK method of making big money by ripping off customers. They must have been here and seen how it is being done and thought 'wow, lets put our machines out of order and then accuse the passenger of theft', we can pay big bonuses and have Christmas parties just like the British railways companies employees. More ...
  17. In October I made a complaint to MBNA over my PPI on my credit card. I then got two letters over the space of a few weeks. One acknowledging the complaint and another apologising for the delay in resolving it. Then I got this letter You may recall that we recently contacted you asking for you to confirm details. I regret to inform you that we have not received sufficient information to identify you. We are therefore, unable to proceed with the investigation into the issues you have raised. However, if you could verify the information, we will look t
  18. Hi I sent a claim about mis-sold PPI to Natwest which was delivered and signed for on 7th September. I received a reply on 17th September asking for proof of my new address. I sent this by return of post and it was delivered and signed for on 18th. I hadn't heard anything after 8 weeks i rang RBS who said there was no record of any mail being received. I was advised to take the info into a branch and ask them to fax it through. I did this and stated that as they had exceeded the 8 week deadline I wanted a reply within 14 days. I received the stand
  19. Payday lenders regularly ‘lose’ cheques sent by customers to settle debts, forcing borrowers to pay even higher interest bills, Financial Mail has learnt. The tactic used by a number of payday loan firms aims to maximise profits by effectively locking in hard-pressed borrowers for extended periods. The ploy will heighten concerns over the sector, which entices desperate customers into taking loans with interest rates as high as 4,000 per cent. Paul Lynam, chief executive of Secure Trust Bank, whose Everyday Loans subsidiary frequently deals with customers seeking to cons
  20. http://www.dailymail.co.uk/news/article-2223827/Now-energy-bully-boys-threaten-break-door-read-meter.html What is even worse about this is it has nothing to do with anyone owing money - just a legal requirement to check meters. Note - yet again NPower seems to have a problem telling fact from fiction.
  21. Recently went out for quotes for a number of windows to be replaced with UPVC double glazed. Safestyle were fastest in response and initially we were impressed with the salesman who visited. He did the - here's my quote but I may get a better price after talking to my boss etc etc. In the end we were quoted a price much lower than we had expected, nearly half the nearest competitor, so we agreed to proceed. We were then hit with the classic [problem] - I am since told by another company that it's well known in the trade but considered underhand by most, just as we were about to get th
  22. Hello everyone, Hope I can get some help with this one. Sent SAR to MBNA dated 13 July 2012. Letter arrived today saying: " Our records show that no charges have been placed on your account in the past six years, therefore there is no information to provide ". " We have returned your £10.00 payment because there is no charge for this service. However, if you do require a copy of all personal data under the Data Protection Act 1998, please send a formal request together with a cheque or postal order for £10.00 ". This is the letter I sent them: I amwriting
  23. Rightsnet http://www.rightsnet.org.uk/forums/viewthread/3579/
  24. Hi, HSBC now doing the same as Natwest did and don't bother actioning a SAR if they think you're just after PPI! I sent HSBC a SAR on 30th March 2012, I used the template letter from here but I didn't enclose a fee. Now I didn't send the fee because...... a) I just didn't have the money to pay all 11 and the template letter I used was worded "please inform me, prior to processing this request, if you require a fee to be paid" . Yes I now know this was a mistake! I should have changed it and just enclosed the fee! and b) I know from previous experience with bank charges a l
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