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    • The firm has benefited from the AI boom, making it the third-most valuable company in the US.View the full article
    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
    • At a key lecture in the City of London, the shadow chancellor will also vow to reform the Treasury.View the full article
    • Despite controversy China's Temu is becoming a global online shopping force.View the full article
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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
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Regal Credit


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Years ago I had an account with a Royal Bank of Scotland and got into financial trouble. Various excessive charges, bad advice from Baines and Ernst and my own spending later: the account was closed and sent to the RBS recovery department.

 

For at least four years I have had a standing order paying this debt at £10 a month and heard nothing.

 

They have sold this debt to Regal Credit who have demanded the total amount.

 

I have checked with RBS and the money I was paying was going into my old account but they've advised me to canccel the standing order to them and deal with Regal.

 

I did not phone Regal after reading about them on this forum and their business practices.

 

I sent an initial payment and an offer of subsequent payments in writing.

 

I have now received a demand for a debt that is quite clearly belongs to someone else.

 

Is this an attempt to get me to contact them by phone or something more sinister.

 

Have I made a mistake in contacting them at all?

 

A debt of £500 is mine but this is asking for over £1500 with a completely different reference number.

 

Is this just a front for extortion?

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Guest Old_andrew2018

Replying to bump your thread, you should only ever write to people such as these, I would think it is best to write to them staitng you do not recognise this debt.

HOLD FIRE UNTIL A MORE EXPERIENCED MEMBER ADVISES ON THE FORMAT TO USE

 

Regards

 

Andy

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Hi Gibby, You can contact them but DO NOT if possible, give them YOUR contact number.My wife has had problems with this lot recently,she had an old STYLE credit account card many years ago with RBS. Anyway to cut to the chase, she arranged a plan to clear the account by aug 07, by the way nothing signed, direct debit cancelled aug 07.Heard nothing until last week when letter arrived from this regal lot demanding payment for £724, She called them and this arrogant tit explained that this sum was purely interest on the account. Anyway, sent CCA request to them and SAR request to RBS, awaiting outcome.

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What brilliant points.

 

If I requested the electronic record from RBS for the account number on the second letter I got they'd be in breach of the Data Protection Act because it's not my account.

 

The debt that is mine (the first letter) was indeed from an overdraft. There were a lot of charges on it. Hasn't the deadline for claiming charges back passed? Do you have a credit agreement for a bank account?

 

I regret now sending a payment as they didn't know for sure it was me and were just phishing? The fact that they then sent me someone else's debt proves they are unreasonable and unethical. They obviously buy bad debts in bulk then try and get them paid by whatever means possible and from whoever they can frighten with false threats. Kind of like a sales team getting leads and earning commission. How can I trust them to knock any payments off the right debt?

 

I have written them one letter but I'm not going to phone them. I'm going to ignore the debt letter that isn't my account. I also check online banking everyday to make sure they haven't used the account details on my cheque to set up a bogus direct debit ( a' la Jeremy Clarkson :rolleyes: ). There's no way I'd trust them with Debit Card details. If I wait until they send me another demand for the right debt which shows that the balance has been reduced by my payment should I pay again? Even if I paid it all off they could still try hound me as a soft touch for other people's debts (which I wouldn't pay, of course, but the letters are still depressing).

 

I have also read elsewhere that a lot of these dubious companies use the £1 you send for a S.A.R as a payment on the debt, even it isn't yours, then say because you've made a payment you've admitted responsibility for the debt! :eek:

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I've now been sent a direct debit form for the correct debt with the amount I've paid deducted.

 

Should I fill it in?

 

I'll make sure there's only enough money in the account to cover the correct DD amount in case they try and up it.

 

They could have taken my bank details from the cheque I sent so I won't be giving them something they don't already have.

 

They could have scanned my signature from the cheque too, for nefarious purposes.

 

Think they may have been chancing their arm with the letter for the debt that wasn't mine hoping I'd ring them.

 

Just want to get rid of them.

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Guest Old_andrew2018

Hi

I think you should send the SAR letter, after this you will be in a position to decide what to do.

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