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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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Swift Advances. Secured Loan Charges reclaim


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A call to all Swift Account holders for information:

 

Can you please tell us which bank account you pay your Swift payments into?

 

To protect the site we ONLY want the last 4 digits of the sort code and the last 4 digits of the account number

 

Which Bank:

 

sort code: xx 1234

 

Account : xxxxx1234

 

Please find out from your direct debit payments or your bank statements and post them here....tick tock....:D

 

Thanks

 

 

Yes you can pm Sparkie1723, pkelly or me but if you can just post it up here on the thread as nothing is confidential and pm boxes get filled.There's no point pm'ing sparkle72 with it as he already knows :p I need to know as many of these as I can from as many of you who can tell me too. Not everyone has these details as they pay by direct debit, but you can find out from your bank - they will tell you the recipient account. It is quite important -Thank you.

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You're being very polite s/m/c have you had a good day or something?;)

 

I'm glad that Pkelly isn't on tonight maybe I can get to bed early

 

sparkie

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You're being very polite s/m/c have you had a good or something?;)

 

I'm glad that Pkelly isn't on tonight maybe I can get to bed early

 

sparkie

 

...and we might get some sensible posts too...;)

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http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

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http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

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http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

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guess whos just flew in:D got myself one of these rasberry things so now I can logg on anywhere :D especially when my ears are warm lol

pick up a penquin two systems for the price of one:?:

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a) You're being very polite s/m/c have you had a good day or something?;)

 

b) I'm glad that Pkelly isn't on tonight maybe I can get to bed early

 

sparkie

 

a) I am always polite sparkie - so naff off!

 

b) He's back, so bang goes the beauty sleep :grin:

 

Sunray, thanks...keep them coming folks..

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cant work this rasberry ting worse tahn mobile am in arport so be flying soon oh smc you are worse than a magnet at least it has a possive side lol

pick up a penquin two systems for the price of one:?:

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Here's a sensible post ...........I am on the track of the fact that Kestrel No1 are involved in mezzanine borrowing that in my understanding is the involvement of SPV's which in turn leads to securitization which Mr Webster has denied takes place in their group activities??? more investigating is continuing, using various means at our disposal..

 

sparkie

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what med.... borrowng boss borrowing someones cough bottle:confused: has johnny da dose of the skitter

 

 

Don't know about cough bottle you must be on that wasssaammarrra or whats it called "marriedinhavana"

sparkie

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Hi Sparkie,

 

Mezzanine finance, is cheaper than equity financing and does not require the company to give up equity.

 

 

Can you enlarge upon that sunray...can you explain the difference and sparkie, where did you get that mezzanine word at this time of night?

 

Sorry, trying to be serious for once...

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Hi Sparkie,

 

Mezzanine finance, is cheaper than equity financing and does not require the company to give up equity.

 

 

Not on what I have just read on the debenture they undertook they handed over every thing from the time they signed the debenture ...but they hadnt got anything

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Can you enlarge upon that sunray...can you explain the difference and sparkie, where did you get that mezzanine word at this time of night?

 

Sorry, trying to be serious for once...

 

 

Off the 395 Kestrel filed at Companies House 13th July 2004

Funder Bank Barclays ...security agent Indigo Capital ..... Presentor Solicitors DLA LLP

Noble Street London

 

This also has some strange wording on it ...Time critical application....seems as if this company was incorporated to borrow money in a bloody hurry..just my view

 

sparlie

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Hi Sparkie,

 

 

Its been a while since I covered this stuff, not one of my strong points,and as you know I don't have a lot of time at the moment to spend on it, but what was their debenture secured on then?

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Hi Sparkie,

 

 

Its been a while since I covered this stuff, not one of my strong points,and as you know I don't have a lot of time at the moment to spend on it, but what was their debenture secured on then?

 

 

That the question .they had only been in business 23 days what could they have as security?

 

 

I know even less than anyone but you can't get a mortgage if you haven't got a house UNLESS ???????? left to peoples imagination......that's how the yanks did it getting millions on a waste bit of land that belonged to the city councils

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