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    • As you have made this so black and white, I have just realised I have probably made a total mess up here 😕   Yes, the original RBS mortgage from 1999 changed in 2009 to a buy-to-let with a different mortgage company, for the same property.   As I thought I had to have a life assurance, this would be ok, even though it was a much smaller amount.   It states the policy holder as myself and the property address and says 'in return for the payment of agreed premiums the company will pay the benefits in accordance to the policy conditions' it doenst really specify who would be paid. I have actual document here.   Something to mention, when I bought this property it was uninhabitable and I have never actually lived there. It was empty for ten years until 2009 when I got some additional borrowing, renovated it and let it out.   In 2011 therefore when it changed to Aviva, that mortgage had been paid off 2 years before.   I have a feeling you are going to say it was my responsibility to have cancelled the policy in 2009 with RSA or with Aviva?     As I had been advised by RBS, I thought I had to life insurance/assurance of some kind as I had a mortgage.      
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    • Credit file: One account(showing balance of £0 due) for main line showing missed payments from December 2020 (when the contract itself was terminated in August 2020). One account(showing loan of £204 due) for second line showing as being in default since November 2020. As a result of these my credit score has gone down-this is due directly to these two accounts which showed on my credit report as a 'negative factor'   Credit disadvantage: When my Virgin contract ended, I attempted to take up a new contract with another company. I was prevented from doing so at Vodafone as they required a deposit of £150, plus I would not be entitled to the free handset, but would have had to pay £179 for it and the monthly payments would be increasd. I was able to take out a handset at Three, but again instead of being entitled to it free, I had to pay £189 for it.   I will check carefully to estimate the amount of time involved-I have queries going back to October 2019 attempting to deal with this.   I have also received from Virgin another letter giving me the password to unlock the files they sent me(shame it doesn't actually work) and a second email again confirming they will erase my data unless they have to keep it.   I'm wondering if they're planning to use that email as their response for the ICO where he gave them until March 11 to either tell me what they are going to do to put things right or explain why they believe they have met their data protection obligations'?      
    • “We want to get Amigo back to life again” – CEO’s statement as lender posts £87m loss View the full article
    • My case is adjourned to this Month. I'm about to send out my Supplementary Witness Statement. Could someone please check if the following is efficient? My court cost is now over £1000 as it was adjourned 3 times  Thanks!   Supplementary Witness Statement to address the new case exhibits introduced at the hearing on 10 November 2020   VCS v Ward  1.       This case is often quoted by the claimant as assisting their case. However in this instance it actually assists mine. It is contended that the act of stopping a vehicle does not amount to parking. This predatory operation pays no regard to the byelaws at all. It is likely that this Claimant may try to rely upon two 'trophy case' wins, namely VCS v Crutchley and/or VCS v Ward, neither of which were at an Airport location. Both involve flawed reasoning and the Courts were wrongly steered by this Claimant's representative; there are worrying errors in law within those cases, such as an irrelevant reliance upon the completely different Supreme Court case. These are certainly not the persuasive decisions that this Claimant may suggest.  Semark-Jullien Case  2.       Whilst it is known that another case that was struck out on the same basis was appealed to Salisbury Court (the Semark-Jullien case), the parking industry did not get any finding one way or the other about the illegality of adding the same costs twice. The Appeal Judge merely pointed out that he felt that insufficient information was known about the Semark-Jullien facts of the case (the Defendant had not engaged with the process and no evidence was in play, unlike in the Crosby case) and so the Judge listed it for a hearing and felt that case (alone) should not have been summarily struck out due to a lack of any facts and evidence.  3.       The Judge at Salisbury correctly identified as an aside, that costs were not added in the Beavis case. That is because this had already been addressed in ParkingEye's earlier claim, the pre-Beavis High Court (endorsed by the Court of Appeal) case ParkingEye v Somerfield  a. (ref para 419): https://www.bailii.org/ew/cases/EWHC/QB/2011/4023.html  ''It seems to me that, in the present case, it would be difficult for ParkingEye to justify, as against any motorist, a claim for payment of the enhanced sum of £135 if the motorist took the point that the additional £60 over and above the original figure of £75 constituted a penalty. It might be possible for ParkingEye to show that the additional administrative costs involved were substantial, though I very much doubt whether they would be able to justify this very large increase on that basis. On the face of it, it seems to me that the predominant contractual function of this additional payment must have been to deter the motorist from breaking his contractual obligation to pay the basic charge of £75 within the time specified, rather than to compensate ParkingEye for late payment. Applying the formula adopted by Colman J. in the Lordsvale case, therefore, the additional £60 would appear to be penal in nature; and it is well established that, in those circumstances, it cannot be recovered, though the other party would have at least a theoretical right to damages for breach of the primary obligation.''  
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keys or keith whitlock


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MEM Consumer Finance is in Bicester, with an OX26 postcode. If Keys Whitlock is a trading style of theirs, this should be made clear on stationery and the parent company's registration details should be shown.

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just had another call at work , its keyes whitlock , lovely lady very polite but firm , i wouldnt answer the security questions , and then politely asked her to write to me instead of phoning , at first she replied that this has to be dealt with by phone call , i asked why urgency was the reply , she then said id have to email them to request things to be dealt with by letter , when i said i wanted proof of receipt she said you can with an email ....hmmmm yeah right , she then caved in and gave me the above po box adress , saying that it will only make things harder for me or words to that effect , although she was desperate to know what time i was at home tonight ..... maybe my charm won her over but i think ill be getting a call at the time i said id be there

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Well, of course you know not to talk to them on the phone - only to say "in writing please". You'll then get a letter with no address for you to write back to - but a phone number to call them on:mad::mad:

 

I've got a feeling I'm going to lose the plot with this bunch........., but then again - the credit agreement the employee showed me leaves a lot to be desired.

 

Ell

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You can still send written correspondence to a PO address if you need to though. I only had a PO address for Moorcroft for ages, yet had a signature for a CCA request and for a number of other complaint letters sent around the same time.

 

It was the FOS who gave me the full addy... :p.... so they must have used it in their response to them, although they seem to keep it less of a secret nowadays anyway.

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I will obviously answer the phone but i will refuse to answer security questions , inform them that i will be recording the conversation (which i will ) and just repeat the point that i want all corrispondance to be in writing , just for the record they did provide me with an e mail address which i wont post on the forum

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  • 2 months later...

I'm having trouble with these as well! they call me all the time!! They ring my mobile constantly and they have started calling me at work. They must have listened to the voicemail of my office and have started calling my managers direct line.

 

I have letters but no address which of the above addresses shall I write to? Are they all right?

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You could ring them up and say you want to send a payment but the last one you sent to a PO Box was returned and ask for a real address.

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They emailed me yesterday and there was a PO Box on the bottom. I emailed them back saying I would be writing to them today and could they please not contact me on the phone.

 

They emailled back saying I'm obliged to call them that's why they do not provide an address!

 

'correspondence is not suitable for setting such an arrangement'

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Obliged to call them my arse. Just who do these clowns think they are. They have NO LEGAL POWER whatsoever. Email them back and ask them to quote the legislation which states you must phone them back. They are talking out of their bums. You are not under any legal obligation to discuss your finances with these twats. Insist they write to you or tell them that you will not deal with them. The greed will take over and they will have to write

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Of topic posts moved to their own thread here

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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  • 1 year later...

Keys Whitlock are an in house debt recovery for Payday Uk, the also trade under the name of MEM consumer finance (or Month End Money)

 

I discovered this after my loan with Payday Uk had been passed on to MEM, i called MEM to make payment arrangements and also paid a £50 account holding fee to allow me to do this, however before any payment was taken from my account they then passed me onto Key Whitlock, who again started sending me letters and ringing me on a daily basis trying to bully me into paying yet another £50 holding fee, i made arrangements with Key Whitlock to pay the £50 on Friday the 16th of July however when i went to access my bank account i found i had no money?

I today found out that Key Whitlock had gained access to my account (under the name of MEM)and obtained the full amount of the loan without my knowledge, i would also like to add that there was in sufficient funds in my account to pay this but the bank decided to authorise it anyway.

 

I contacted MEM regarding the money taken from my account in their name who then advised me it was actually another in house company called Key Whitlock and passed me through, i was then greeted by a rather obnoxious man who started getting rather aggressive with me saying they had every right to take the money (sorry but i thought i had set up a payment plan?? twice! with MEM and Key Whitlock)

He then proceeded to tell me the account was now closed and could do nothing about it.

I asked to speak to his superior to which he told me my supervisor has told me to tell you there is nothing you can do.

Well i'm sorry but there is, i am contacting the citizens advice and also a solicitor regrding this matter, i paid to have the account put on hold and then got passed to another cowboy company?

 

ANYONE WHO FINDS THEMSELVES TO BE DEALING WITH KEY AND WHITLOCK OR MEM CONTACT YOUR BANK AND INFORM THEM NOT TO AUTHORISE ANY DEBIT CARD TRANSACTIONS TO THESES COMPANIES.

 

I hope no one else ends up in the same debt as me over this

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This is a good example of why it is always better to deal with these companies in writing and to never give them debit card details. If there was a written record then you could probably at least threaten to sue them for the "holding fee". As it is, it's your word against theirs and I don't think you'd get too far in court.

 

You should write to them complaining about what they have done and copy you bank into the letter. Send a copy with a covering note to your local Trading Standards (via Consumer Direct ) and also to the OFT who licence Payday loans.

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If anyone does have their bank account cleaned out get another bank account as the old one is compromised. Your bank should play ball with this one, if not report them to the Banking Ombudsman for unfair practice... they are supposed to protect YOUR money, not let people go in and take it 'just because you owe them'.

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Get in touch with your Bank immediatly. Tell them the payment was unauthorised. Under the Direct Debit Guarantee they are obliged to reverse the transaction immediatly as you did not authorise it. If you paid by debit card get it cancelled forthwith and ask the bank for a new one

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  • 1 month later...

I am also having problems with these cowboys. They have now recently started sending me e-mails telling me that an agent will be attempting to visit my home address! Can they do that?

 

I have informed them that I don't recognise them as a company I owe debt to and that I require all correspondence to myself in writing as I will no discuss sensitive personal information over the phone and that if they continue to constantly call me I will be seeking advise to have harassment charges filed. Seemed to have cooled them down for a few days.

 

After reading horror stories of them wiping out peoples bank accounts I also reported my bank card as lost and have refused to give them my up to date payment information as payday stated that they would attempt to reclaim the charges in full as per their credit agreement?

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Have just done a search and that PO Box you mention is probably Payday Loans themselves.

 

Payday UK

PO Box 255

Bicester

 

 

 

 

Same??

 

Either they have an in-house collections or a made up KeysWhitlock Department!

 

Hey I might start my own debt collection agency at work. 'You owe Chloecat 75p for a cup of coffee'

 

Hope this helps

 

MEM Consumer Finance Ltd or any of its subsidiaries belong to MEM Consumer Finance Ltd, registered in England and Wales, registration number 04786727, registered address Witan Gate House, 500-600 Witan Gate West, Milton Keynes, Buckinghamshire MK9 1SH.

 

Keyes Whitlock & Company is a trading name of MEM Consumer Finance Ltd.

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  • 1 month later...

Hi Just joined CAG so forgive the late response to post.

 

Keyes Whitlock are part of Payday UK. Its like their debt collections department. From my dealings with them, they'd like you to believe they are a debt collections agency, but it just seems to be some other part of the office Contact details I have are:

 

MEM Consumer Finance Ltd, reg no. 04786727

Witan Gate House

500-600 Witan Gate West

Milton Keynes

Bucks

MK91SH

 

0800 074 5010

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  • 1 year later...

Another in house solicitor for rent firm then, wonder if the SRA know about them, the SRA are looking into legal firms who are operating under a corporate CCL licence as technically they should have their OWN CCL licence if they are debt collecting only.....

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  • 2 years later...

Just found this hope it helps:

Keyes Whitlock & Co

Keyes Whitlock & Co Debt Help, Contact Details, Telephone Number, Address and Head Office

Keyes Whitlock & Co is a debt collector within the UK, Keyes Whitlock & Co buys in debts that are in arrears from different financial organisations, telecom companies and other organisations that you have failed to make repayments to.

The way they work, Keyes Whitlock & Co will buy the debt from companies at a fraction of what the debt is worth and they will then chase you for the full amount that you owe to make a profit.

If you have been contacted by Keyes Whitlock & Co or are struggling to make repayments give us a call now on 0800 130 3007 where one of our debt experts will be able to help you.

General Contacts

Keyes Whitlock & Co

C/O Mem Consumer Finance Ltd

6Th Floor

77 Gracechurch Street

London

EC3V 0AS

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