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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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      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.

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Barclaycard and the DCAs


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Eventually got round to sending Curlyben's letter to 1st Credit, and they sent back a very succinct reply. Their reply was they know that they cannot chase for money while an account is in dispute so they are contacting their client. So, umm, if they know that then why did they contact me in the first place?!?!?

May put this suggestion to them on a christmas card, noooo, on second thoughts, this may be the time of year for forgiveness, but even I am not that nice!

LOL nice one CB!

Red x

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Eventually got round to sending Curlyben's letter to 1st Credit, and they sent back a very succinct reply. Their reply was they know that they cannot chase for money while an account is in dispute so they are contacting their client. So, umm, if they know that then why did they contact me in the first place?!?!?Because they didnt know you had friends in CAG and did not roll over and cough up as they thought you would.

May put this suggestion to them on a christmas card, noooo, on second thoughts, this may be the time of year for forgiveness, but even I am not that nice!

LOL nice one CB!

Red x

 

Bah Humbug

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Please refer to 1st Credit as 1st Credit. Thank you.

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.

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Nothing to update, just sumising this past year so that I can look forward to 2008...

Started this year with RMA, who were the nastiest bullies and name-callers. Paid them what I could afford until I CCA'd them, and then heard no more.

Started to repay BC what I could afford per month direct without any contact from them at all

BC passed my debt on to 1st C, who got all heavy, and threatening charging orders. Reminded them that due to no CCA from my previous request, debt is in dispute

Complained to FOS about BC - waiting to hear

BC said that they would look into my complaint

1st C referring back to BC. No further contact at present.

Still no CCA.

Red still paying what I can afford, as I have a duty to pay what is owed!

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Good news there Red, lets see who crawls out of the wood work next.

I certainly can't wait to see who B'card passes my account to next.

Hey you never know I might stop mucking about and actually file in court for the charges, but seeing as they are almost the same as the outstanding balance, I think I might just stay as I am.

I have after all, offered B'card a way out, but they ignored that completely.

  • Haha 1

Be VERY careful whose advice you listen too

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Hi Red - Have you tried approaching Northampton TS about Barclaycard? As you know from my thread since TS involvement B/C and Mercers haven't sent me anything except my monthly statements. I too am paying what I can afford to, but the respite I've had from sending everything to TS (who are obviously very busy and don't like to rush these things!) has been very refreshing. I think I'll report Sainsbury's next to their local TS although at the moment they are letting me pay £10 per month, however they, like Barclaycard, continue to add interest and charges whilst the account remains in dispute.

 

Good luck for 2008 :)

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Thanks CB, Tau and DM! Happy new year to you all. I will continue with the current plan, of paying what I can afford, directly to BC, and I will see how I feel in a couple of weeks, depending upon any insight from the FOS, as to whether to complain further or not!

Looking forward to 2008, its started with a "Notice of Legal proceedings" but not from BC or their henchmen....ah well, at least I know what to with it.....;)

Cheers guys and girls for all your help and support

Red

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  • 2 weeks later...

Next! BC have written through twice, firstly to say that they are sorry that they have not dealt with my complaint (which I made to FOS and not to BC), and that I can go to the FOS once they have sent me their final response (oops!).

Also they have written through to say that they have assigned my debt to 1st credit and that I should pay them directly. Well no, BC, I will not! I am not going to pay some bully boy DCA who cannot comply with a simple CCA request, and in honesty , i am not too sure other than moral high ground and honesty to own up to my debts as to why I am paying BC at all!

Nothing from FOS re this one, since my original complaint, so if my photocopier has decided to work, then i will send the FOS copies of their letters, which will back up my complaint of passing on the debt to a DCA without taking my I&E into account, and the insistent charges and interest. BC have said that following default by me, that they are within their right to pass the debt on. I do not dispute this, but why tell me now, after the 5h!t has started to hit the fan?!

Oh well, carry on reagrdless! (Beautiful South)

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Hi Red, sounds as if they have thrown in the towel if they have passed it to a DCA. Sad. LTSB have done same to me.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Gold lady, lovely to hear from you again, hope that you are well! I think that often BC throw in the towel early, but only after they have added loads of charges and interest!. I honestly can't be dealing with a DCA who cannot legally comply with my requests. Who are you paying now? LTSB, or DCA or neither?;)

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neither of them :p

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Next! BC have written through twice, firstly to say that they are sorry that they have not dealt with my complaint (which I made to FOS and not to BC), and that I can go to the FOS once they have sent me their final response (oops!).

Also they have written through to say that they have assigned my debt to 1st credit and that I should pay them directly. Well no, BC, I will not! I am not going to pay some bully boy DCA who cannot comply with a simple CCA request, and in honesty , i am not too sure other than moral high ground and honesty to own up to my debts as to why I am paying BC at all!

Nothing from FOS re this one, since my original complaint, so if my photocopier has decided to work, then i will send the FOS copies of their letters, which will back up my complaint of passing on the debt to a DCA without taking my I&E into account, and the insistent charges and interest. BC have said that following default by me, that they are within their right to pass the debt on. I do not dispute this, but why tell me now, after the 5h!t has started to hit the fan?!

Oh well, carry on reagrdless! (Beautiful South)

 

 

Good on you Red for refusing to pay DCA. As i put on my thread, i think i am gaining a small amount of compliance from Barclays. This is down to FOS and a refusal to lie down. Like you, i forward all correspondence to FOS which shows Barclays we mean what we say!! I also take great pleasure in responding to all their correspondence and highlighting their wrong doings!!

 

Keep at 'em!! :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 5 months later...

Hello all! Gosh haven't been on CAG for aaaagggesssss, but my situation still seems the same! LOL Like lots of debts, 1st Credit still trying it on, BC ignoring me.

Must admit to being a bit tardy. Have just carried on paying £10 p/m to BC, and am about to get back in touch with the FOS about BC.

1st Credit sent me something which they thought was a CCA agreement, but it failed on a number of issues.

Lucky me, 1st Credit also sent one print out of something which is all abbreviated and makes no sense, other than opening balance and outstanding balance! Do they think that they have complied with my SAR request?!

Told them in no uncertain terms that they have not, and to leave me alone (letter was better worded!).

So now I will send BC a letter (again), asking for PPI refund/account charges and interest refund, and that they have not followed OFT guidelines by appointing DCAs without notifying me first.

So you all will probably have to put up with me again!

Nice to be back!

Red :)

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Hello all! Gosh haven't been on CAG for aaaagggesssss, but my situation still seems the same! LOL Like lots of debts, 1st Credit still trying it on, BC ignoring me.

Must admit to being a bit tardy. Have just carried on paying £10 p/m to BC, and am about to get back in touch with the FOS about BC.

1st Credit sent me something which they thought was a CCA agreement, but it failed on a number of issues.

Lucky me, 1st Credit also sent one print out of something which is all abbreviated and makes no sense, other than opening balance and outstanding balance! Do they think that they have complied with my S.A.R - (Subject Access Request) request?!

Told them in no uncertain terms that they have not, and to leave me alone (letter was better worded!).

So now I will send BC a letter (again), asking for PPI refund/account charges and interest refund, and that they have not followed OFT guidelines by appointing DCAs without notifying me first.

So you all will probably have to put up with me again!

Nice to be back!

Red :)

 

Hey hey!! How ya doin? It's really good to see you back :)

 

I knew you said you were having a break, but i didn't think it'd be for this long!!! :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 3 weeks later...

Thx Hopeful1, so glad that you are still here!

I sent off my complaint form direct to BC, and have had the standard reply, of we are sorry to hear of your disatisfaction....looking into it...etc.

I have probably opened another can of worms here, by contacting BC direct, but was so fed up of 1st credit that I wanted to make my voice heard to BC.

I feel a little like the walls are closing in on me at the moment, as none of my creditors appear to be playing fair, maybe due to the credit crunch, however I am sure that all them will still be reporting large annual profits.

Will let you know of any developments...

Red

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Hey CB!!!!! Lovely to hear from you, last time I was on here you had gone AWOL ;)

Yes its still going on...I will probably die before this gets resolved.

The way my luck is currently going I will have to change my identity and move abroad LOL

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You can't keep a good ape down ;)

 

 

This is very true! And don't the OC/DCA's know it too! :D,

maybe I should change my identity into an ape (no smart comments please!!!), and achieve more sucess in fending off any further harrassment.

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This is very true! And don't the OC/DCA's know it too! :D,

maybe I should change my identity into an ape (no smart comments please!!!), and achieve more sucess in fending off any further harrassment.

 

Can we see the pictures when you do this :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 1 month later...

BC have written to me today in response to my complaint letter of charges, passing my account to a DCA without notifying me, mis-selling PPI, and all they have said is that 1st C are legal owners of my account (and have been for nearly a year apparently), and that BC have basically washed their hands of my complaint. I have, as previously mentioned been paying BC.

So why do the DCA not take further action if they are the legal owners, BC say that my account was passed on to (not sold to) DCA. I have written through to DCA to say that my account is in dispute with BC? :confused:

If the debt now belongs to 1st C, then why are they not jumping up and down at me, and accepting that I have raised a complaint against the OC?

I am really confused (and not happy with BC!)

Any suggestions/help appreciated!

Red

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  • 2 months later...

Here we go again!

1st C's "solicitors" are applying the scare tactics of court action but they still can't provide me with CCA. They like my application form though, think I have been sent it three times now. :D

Trading Standards have been very very helpful, and have advised that all phone calls that I have made regarding this complaint (about 18 months worth) can be used as evidence in court, OFT have also been very good, I have someone assigned to this complaint, along with a direct line tel no! And FOS are also very good, and patient bearing in mind that I just keep adding to my complaint!

Lots of paperwork to do, but I am sure that it will be worth it - on a satisfaction level rather than financial!

Red

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