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    • Hi, to date I have still not received a full itemised list of the supposed historical charges from Prestige finance even though I have requested them on numerous occasions please see below: Hi Joanna, With reference to our telephone conversation yesterday 2nd Sept 2020. As mentioned to you I have not received the full itemised list of charges that I requested on the 17th August 2020 (copy letter attached). Also Charles from the financial ombudsman has been in contact with me & said that Prestige have stated that the £1700 owing refers to historical charges prior to them buying the loan, although there is no mention of this in the full SAR that I requested from yourselves. A point of law states that you cannot after many years attempt to claim interest on historical charges that you say exist but have no proof of. Also may I add that if there had been any charges & I had been asked to pay them (which hasn’t occurred) I would have settled straight away. Any advise appreciated
    • To clarify and to apologise for what appears to be ignoring your advice.  I am not the only one dealing with this and due to a miscommunication, the email  previously referred to was sent without my knowledge. Had I realised I would have waited and sent the email you suggested.  Having looked through the email communication, there are some dates that are relevant regarding what they promised. and when. As mentioned previously, we were going to use a different company. On the 22/5 they quoted,, but as they didn't do finance, even though  they were a lot cheaper and  they could fit the windows within three to four weeks, we decided to get another quote. On the 2/6 there was email correspondence with Ideal Windows saying the other company was lying and they could do it in eight weeks. On the 5/6 an email was sent asking if it was possible to speed up the process as our builders needed to finish the renovations which they were unable to complete  without the windows being installed. They had been told the builders would be returning home at the very latest on the 20/10 and they needed to be finished well before then. On the 11/6 the contract was signed and on the 15/6 an email asking when someone was coming to measure to avoid delay. on the 19/6 and email saying we still haven't heard we are pressed for time. If no one comes by the 23/6, we will have to cancel with 14 days notice. on the 29/6 they said we needed to go and sign a new contract as they had tried to charge us for something we didn't ask for, an extra £300. Then stating we don't need to go there as they have managed to amend it. During July and August only telephone calls, the date to start  should have been the last week in August, this was cancelled a few days before saying there was a problem with the supplier, contrary to them saying they weren't affected by covid. This happened at least four times in all  On the 22/9 we again said we needed to  cancel as our builders were returning home. They responded by saying there would be a financial penalty. It wouldn't make sense to choose to use them if they had said there was a problem with the suppliers and there was no definite date to start. Maybe I'm wrong but it feels we have given them notice enough times without them fulfilling there side of the contract.  If it isn't deemed to be the case then we will of course take your advice.        
    • Hi all, Would appreciate someone pointing me in the right direction of resources. I initially signed up to a mortgage with Kensington mortgages. At the the time I had no idea that they were giving me an interest only mortgage at am extortionate rate not to mention the fees charged. I was then moved onto UCB Homeland which have cotinued to keep me on an interest on mortgage but again at a really high rate despite them being so low for a long time. I am still being charged a very high rate. Due to current financial circumstances I'm unable to move lenders.    What options do I have?    I remember seeing details of potentially reclaiming the charges and some interest payments. Is this correct and if so how do I start the process?   Many thanks in advance for your help
    • You are welcome to ask for advice here – but please would you start your own thread. Also, please don't spam this forum with links to credit advice companies. We'll be very pleased to help you though – if that's what you need
    • Sorry for not posting but I have done this many times after the advice on this brilliant forum, but long story short I had a court claim issued by Lowell’s re an old Three account and one for JD Williams which they had conveniently bundled together as a single case.  Anyway went through the months of legal tennis during which time as always they failed to provide any actual proper paperwork.   Just as I was about to comply with pre hearing request and send off my WS I had a letter from them to say they have discontinued the case. Of course I will check with the court but as the excellent mods on here say Don’t ever lie down and give in to these Sharks - never, ever.
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Just out of interest, here is a scan of a Royal Mail Recorded Delivery POD from one of our highly educated respected DCA's, It rather gives credence to the theory that staff are recruited from local nursery schools, or drying out centres for spiders on crack cocaine !

 

 

Looks like a 2 year olds drawing of the Simpsons

:lol:

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By the way, saw on youtube the other day a guy using conference calling to get two chinese restaurants talking to each other. If you fancy a crack at 2 DCA's at once might be worth the laugh.

Who's got the bottle? fuzzybobble has...?...not me 'cos I'm still a newbie

 

Many thanks for all the help so far and this thread, which brings a wry smile and laughs my socks into orbit.... :D

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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I'd love to have a go at this, but I don't have the facility to record a 3 way phone conversation. I'd also have the problem with my phone not being able to handle 2 calls at the same time. It's easy to do in a radio studio, as their setup is designed to work that way. Years ago I used to help out at the weekends at a local radio station. :D

 

If I can find a way around it, I'll certainly give it a try. Getting two DCA muppets talking to each other would be quite fun to hear them getting frustrated asking "security" questions, and both refusing to answer them.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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could use bt 3 way calling ( conference ) part of star services , something like £3.99 a month, depending how your recording device is attached to the phone , if the device lets you use star services it should be ok ( check the device manual for this )

NEVER FORGET

 

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Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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I'd love to have a go at this, but I don't have the facility to record a 3 way phone conversation. I'd also have the problem with my phone not being able to handle 2 calls at the same time. It's easy to do in a radio studio, as their setup is designed to work that way. Years ago I used to help out at the weekends at a local radio station. :D

 

If I can find a way around it, I'll certainly give it a try. Getting two DCA muppets talking to each other would be quite fun to hear them getting frustrated asking "security" questions, and both refusing to answer them.

 

Can you record from a mobile? Most networks (well, I know Orange and Vodafone do) offer conference calling so you could do it that way? Or maybe set two calls up on the mobile, conference in your landline/skype and record it from there.

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I'd love to have a go at this, but I don't have the facility to record a 3 way phone conversation. I'd also have the problem with my phone not being able to handle 2 calls at the same time. It's easy to do in a radio studio, as their setup is designed to work that way. Years ago I used to help out at the weekends at a local radio station. :D

 

If I can find a way around it, I'll certainly give it a try. Getting two DCA muppets talking to each other would be quite fun to hear them getting frustrated asking "security" questions, and both refusing to answer them.

 

A google search for "VOIP conference call software" brings up some interesting hits...

 

A quick look suggests you'd have to phone the second DCA, and pay for the phone call.

Carpe Jugulum

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Hi all, I've been reading this thread for only 2 days now so i'm nowhere near the end ;) this is the letter I intend to send to scotcall, it gives all the info I have, i just wonder if this qualifies as cheekiness?

 

Dear Mrs Threat Monkey

I am writing in response to your "DOORSTEP COLLECTION NOTICE" Letter recieved by myself today, the REF Number on the letter is; xxxxxxxx.

Firstly I would like to make it clear to you that I do not acknowledge any Debt to your Company or to United Utilities, I have NEVER RECEIVED any correspondence whatsoever regarding any debt to either You or United Utilities.

I will also like to point out that I have tried to contact you via the telephone number provided on your letter, unfortunately it was anwered by a machine, I left a message including a telephone number you could contact me on almost a week ago, you have not rung so I must assume that you do not feel that this matter is as urgent as you claim in your letter.

Please also take note that I refuse you permission to send anyone to my door, you know the rules regarding doorstep calls and so do I, so if you do send anyone round they will be told that they are trepassing and asked to leave, if they do not leave I WILL call the police and report you to all relevent regulatory bodies.

Also if either United Utilities or yourselves are illegally passing my data to any of the Credit Reference Agenies, then stop, remove any illegally used data from my credit files, please note that this is not a request it is a demand. If there was once a contract between The xxxx Bar and United Utilities which included permission to process said data, then that permission was withdrawn at the end of the contract. That contract ended almost 3 years ago, therefore if either you or United Utilities are processing my data then DON'T. If I find that either of you are still doing so at the end of this month, March 2009, then I will start a county court claim to force it's removal and claim damages under the law of defamation. This is the only warning you will recieve.

Could you please provide me at the earliest date possible, and to ensure any payment which may be owed is not unduely delayed, proof of any debt, this to include any Consumer Credit Agreement, which must include ALL presribed terms and proof that I have previously been contacted in reference to this Debt by firstly United Utilities and then by yourselves. Do not proceed with any Enforcement action until you have furnished these proofs as I strongly DISPUTE this Debt.

I find it impossible to believe that United Utilities has not mentioned the Debt before, I am still a customer and I pay my bills to United Utilities by Direct Debit every month.

I also find it very suspicious that United Utilities has not given you my Name, only the Name of a Business, which stopped trading almost 3 years ago, at which time all outstanding payments were paid to the best of my knowledge.

Please note, I am in no way refusing to pay any money I may owe, but only once it has been proved that a debt exist.

I would also like to see any Proof you have, to establish your rights to claim this money or to start legal proceeding against me, I have at no time had any contact or dealings with your Company, so you must understand that as I have no knowledge of this debt or your company, then I would be foolish indeed to pay any monies to you until I have established that there is a Debt and You have the right to Claim that Debt. Especially considering the recent Publicity regarding this exact sort of thing being a CON, as highlighted on the BBC's Watchdog programme recently.

If i do not recieve a reply within 7 days of the date on this letter then I will assume that you waive any right you may think that you have with regard to this and any future claim against the xxxx Bar, and any/all data registered with any Credit Reference Agency about this disputed/alledged debt has or is in the process of being removed.

 

of course I will be signing it with a big X

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Hi

my favourite tact is when I anwser calls from dcas is when they ask for info such as post code, date of birth I always quote the data protection act and refuse to give them any information ,I find this really peevs them off, and they will then normally hang up

bob

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I am also thinking of adding this to the end.......

 

STATEMENT OF HEALTH. (Medical condition desciptions taken from Cambridge Dictionaries Online - Cambridge University Press)

I am being treated by my doctor for depression (a mental illness which causes feelings of sadness and loss of hope) and anxiety (a medical condition characterized by continual feelings of fear and worry. Please don't use scare tactics or idol threats, If you say the you are starting legal proceeding then you must start said proceeding, failure to do so WILL result in me starting a county court claim for damages for your deliberate attempts to scare me and cause mental distress/harm.

 

Any thoughts??

Edited by c_allen
smiley in an inappropriate place

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Hi

my favourite tact is when I anwser calls from dcas is when they ask for info such as post code, date of birth I always quote the data protection act and refuse to give them any information ,I find this really peevs them off, and they will then normally hang up

bob

 

:p me too robbie! I say such things as ...who are you again??? ...I don't know you from adam...haven't you heard of identity theft...how do I know you are who you say you are... you could be someone who has gone rooting through my bins ... you could be trying to clone my identity... would you give out your personal details to someone you don't know???

 

They don't have an answer and it does peeve them big time, very satisfying :lol:

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Brilliant piece Fuzzy and I like your style Jobmid ;)

 

Barclaycard are my thorn at the mo - they really do not like it when I tell them to read the stop harrass letter which they signed for on 17/02 :D

 

I've started to ask them to hang on and I'll get the person they want to speak to and just put the phone under my bottom. I do go back every now and again to see if they are still there, but they tend to hang on for about 5 mins then give up :D

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Lies, lies and more lies ?

Credit Today online

 

1st Credit Chief executive Najib Nathoo: "It can happen to any company. It doesn’t mean to say the company is a bad company or the president is a bad president,"

Sorry - I need to go find a mop now, a large puddle appeared under my chair...

 

It is understood that Nathoo has implemented several changes to processes - such as the way letters are scripted and policies for dealing with sensitive cases.

I wonder if they'll ever introduce the new letters, or is it that they just have a massive stock of the old ones?

 

And: http://www.credittoday.co.uk/forum/messageview.cfm?thread=408&forum=3

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Brilliant piece Fuzzy and I like your style Jobmid ;)

 

Barclaycard are my thorn at the mo - they really do not like it when I tell them to read the stop harrass letter which they signed for on 17/02 :D

 

I've started to ask them to hang on and I'll get the person they want to speak to and just put the phone under my bottom. I do go back every now and again to see if they are still there, but they tend to hang on for about 5 mins then give up :D

 

Cheers for that. there is nothing like calling a good dca and getting the most silly person at the end of the call AIB have now told me that they listened to the telephone recording and have asked global debt recovery to sack the agent another win for cag one less treat money to call you

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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Another threat monkey for the Job Centre interview and form filling in then.

 

Maybe they'll want to send him on a college course to learn how to work in a minimum wage factory job. Opps. I forgot, there aren't any. :D

 

I enquired about college courses. I thought I may as well get some extra qualifications this year, as around here 70-100 apply for each job, so chances of employment this year for me are looking a bit bleak. Half the things you apply for receive no response at all.

 

I had a choice of...... Learning how to work in manufacturing. (done 9 years of it in quality control already.) :rolleyes:

 

Basic computer skills...... (I have half a degree in IT through the OU already.) :rolleyes:

 

Basic Literacy and Numeracy..... (I know when a DCA's is trying it on, so I think I'm quite ok. If it wasn't for the wine in my keyboard causing it to miss letters out occasionally + typing after a few drinks.) :D

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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The website I get my free fax-to-email service and 0870 number for making the DCAs pay for calling me is now offering free conference calls...

 

The company is called YAC. I can't put the website link up, but it's a .co.uk address.

Carpe Jugulum

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If they won't call you, call them. :D

 

Even if you don't have an account or an address they recognise, they'll have lots of fun trying to come up with something on their screen. That means 10 mins less on their shift they have harassing peeps who haven't discovered CAG yet.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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AIC wont call me anymore! Its been nearly a month!!!!!!!

 

I know, it's always sad when you lose a playmate:(

 

Still, chin up!! There will be another one along soon:D:D:D

 

David

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A Far-Eastern voice from Debitas 'Legal' Services has phoned 3 times every day this week for OH, now I tell them a letter was posted 1st class, recorded delivery, yesterday and it is in their offices now...... but I have to speak to Mr AA99, ah but he doesn't talk on the phone, ah but why not? ah but he is deaf, ah but, ok goodbye:)

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Still, chin up!! There will be another one along soon

 

DCAs are like London buses, you miss one and then three turn up together. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Barclaycard wouldn't send my CCA (since November). I asked repeatedly and they ignored me and referred me to RMA. I told RMA three times over the last three weeks that the account was in dispute and actually they were very good and only phoned once a week.

 

Today I got a letter which said ".....we will have no hesitation in returning this debt back to Barclaycard... you must phone us immediately."

 

So I did, and told the guy that it was totally fabulous, that I was so thrilled, that I had been asking them to do this for three weeks,and thank you, thank you so, so much.

 

And bless you!!

 

DD

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And bless you!!

 

DD

 

 

LMFAO - :lol::lol:

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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