Jump to content


  • Tweets

  • Posts

    • Massive potentially that payment has been made in some form as accompanying evidence to your financial difficulties.     
    • I have just found an email (and checked and verified it on my MCB account online) and I did make a payment to them, but then obvs didn't after that. Will that make any difference to my case? 
    • This is what I have said in my email of complaint:   On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I have found myself in financial difficulty and I contacted you on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months and I fully explained why I was requesting this and asked for your help. I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name.  I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this.  What I would like you to do is to please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP. If you fail to resolve my complaint within 8 weeks, or if matters are not settled to my satisfaction, I will have no alternative but to refer my complaint to the Financial Ombudsman Service. I look forward to hearing from you. Yours faithfully, Should I send something along those lines to the CEO? 
    • Right... Misuse of Facility is a Cat 6 and is considered the worst out of all of the CIFAS Categories for CIFAS Markers.  However lets see what happens when MCB come back to you. Make sure you refer it to the CEO.    IF YOU DONT HAVE A VALID REASON FOR THE ISSUE WITH PAYMENTS ETC - Then the marker will stay.   
    • That "oh dear" doesn't sound good  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

85 year olds being harrased for anothers debt..


promuso
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6070 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My two old parents are constantly receiving letters addressed to someone who once [..up until about 10 months ago] lived at their address. They are also receiving phone calls from one of the companies.

There appears to be around 6 or 7 companies involved [not debt collection agencies....yet!] and I wrote to each one, recorded delivery, around June last, advising them that the person they were seeking no longer lived at the address and to refrain from any further contact with my parents [ who are not involved in any way with these matters].

Letters [..and calls] have continued since then and I would like to know the next step I should take on behalf of my parents - who are becoming more distressed with each contact.

Any advice on the way forward to prevent this continual harrasment..??

Many Thanks

 

 

promuso

Link to post
Share on other sites

Really I think you need to get Trading Standards involved. Also you need to official complain to these companies if they fail to resolve your complaint you can then get the FOS involved.

 

You can find your local Trading Standards here Trading Standards Central - Trading Standards and Consumer Protection information for the UK

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

If these "people" are ignoring your letters then I'd simply have the phone number changed and return ALL mail unopened stating Not Known At This Address.

 

BT are excellent at changing phone numbers due to harassment and normally do it within a few minutes.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

Complain to TS and see what they advise.

 

You could also consider an action against these companies under the Protection from Harassment Act. Your parents would be entitled to an injunction against them and damages.

 

Also, under Protection from Harassment Act- a complaint to the Police would be in order, as harassment is an offence with very serious penalties.

Link to post
Share on other sites

If these "people" are ignoring your letters then I'd simply have the phone number changed and return ALL mail unopened stating Not Known At This Address.

 

BT are excellent at changing phone numbers due to harassment and normally do it within a few minutes.

 

 

Hmm. Thanks.

After 85 years, informing everyone of a change of telephone number is not that straightforward. In addition, if I/they do not open the letters, how would they now where to send them back to...?

Indeed, my experience is if you ignore letters the company does not just go away. The next thing will be debt collectors knocking on the door. At their age, phone calls and letters are already quite distressing, someone on the doorstep would be just anout too much..

 

promuso

:confused:

Link to post
Share on other sites

If changing your parents number is not an option maybe BT's choose to refuse service may be the answer if you know the phone numbers that are calling your parents.

 

I would also suggest you do as advised previously, contact trading standards, send official complaints to the companies involved and tell them if they contact you again you will report them to the Police under the Protection from Harassment Act.

 

If you have informed these companies that the debtor they seek does not live at the address any longer then you have done more than you needed do.

 

As for not knowing where to send the letters back to without opening them, WHO CARES where they go back to. They are addressed to a person no longer at that address, end off story. Just put NOT KNOWN AT THIS ADDRESS and sling them back in the post box.

 

You do not need to prove anything to these companies. Your parents are not the people they seek and you have told them this.

 

It can be a very frustrating experience, a situation like this, but DO NOT let them bully or intimidate you or your parents.

 

They disgust me companies like this, my mother in law had exactly them same problem when she moved in to sheltered accommodation. They just don't listen to anything you tell them.

Link to post
Share on other sites

if I/they do not open the letters, how would they now where to send them back to...?

 

They don't need to. Just write not known at this address. It is actually an offence to open someone elses mail.

 

The next thing will be debt collectors knocking on the door.

Err no. That's why you need to make an official complaint as I already posted.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...