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    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
    • Resume payments with the debt collectors? You say not to pay dca though do you not? 
    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
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yes car and a default


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I also incline towards doing nothing for the moment. Sit back and let them go into default.

 

Don't send the standard 'doorstep caller' letter as it's applicable to England. If anyone turns up, just politely tell them you'll only deal with them in writing, and ask them to leave at once, or you will call the PSNI. Call the police if they don't leave immediately, or if the caller sits outside in a car in an intimidating way. Don't be tempted to engage with the caller in any way; don't shout, don't swear and don't be drawn into any sort of discussion.

 

 

I note that Belfast Collection Services is a NI registered company. I will report their website to the Companies Registrar, since it does not comply with legislation - companies are required by law to show their registered office address and company registration number on websites. Whilst the site shows a PO Box number, their actual address is a solicitor's office in Arthur Street in Belfast. I suspect that they just use self-employed agents and have no real presence. The Companies Registrar in Belfast are usually very good at dealing with complaints and do take action - I reported an estate agent for similar breaches (pure revenge on my part), and they were ordered to ensure compliance within two weeks.

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Ms Ferguson is a director of the company. I know where she lives ;). The other directors are all Sweaty Socks.

 

For fun, I'm going to ring Michelle (and Snotcall, whose website is also non-compliant), on Monday. I shall ask why they aren't complying with their legal obligations or the CSA code of practice they both make much of. This last means that they are automatically in breach of CPUTR, so the next stop is TS and Companies Registrar.

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yes it is her name on the letter michelle ferguson

 

but it says office manager

 

She is probably responsible for pressing the button on the threatomatic although these probably come directly from Caleadonia

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Registration Number: Z8130692

Date Registered: 21 August 2003 Registration Expires: 20 August 2009

 

Data Controller: BELFAST COLLECTION SERVICES LIMITED

 

Address:

ALISTAIR SMITH

C/O SCOTCALL LIMITED

3RD FLOOR,SPECTRUM BUILDING

55 BLYTHSWOOD STREET

GLASGOW

G2 7AJ

Other Names:

B C S

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Application / Licence Details

 

 

 

Licence Number:0543533

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Belfast Collection Services LimitedNI46576

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

BCS

 

Issued Date: 28-Sep-2003

Expiry Date: 27-Sep-2008

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Alistair David SmithOFFICER David Stevenson

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddress Correspondence40, Carrick Street, Glasgow, G2 8PJ Principal Place Of Business283, Upper Newtownards Road, Belfast, BT4 3JH Registered Office21, Arthur Street, Belfast, BT1 4GA

 

Historic Address(es):

 

Address TypeAddress Correspondence40, Carrick Street, Glasgow, G2 8PJ Principal Place Of Business283, Upper Newtownards Road, Belfast, BT4 3JH Registered Office21, Arthur Street, Belfast, BT1 4GA

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Expiry date of their Consumer credit licence shows as September 2008.I know theres often a delay in showing renewals but going on for 5 months ?

Maybe worth a call to the OFT.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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oops ....found this;

 

 

Event Details

 

Licence Details:

 

 

Licence/Application Number Licence Status Applicant/Holder Name 0543533 Current Belfast Collection Services Limited Event Details:

 

 

Event Number Event Type Date of Receipt Closed Date Status 2 Renewal 23-Sep-2008

Open Licence Event Details:

 

RoleNameAction LICENSEEBelfast Collection Services LimitedPending OfficerAlistair David SmithPending OfficerBrenda StevensonPending OfficerDavid StevensonPending

Address TypeAddressAction Accept Notices/DocumentsSpectrum Building 3rd Floor, 55, Blythswood Street, Glasgow, G2 7ATPending CorrespondenceSpectrum Building, 55, Blythswood Street, Glasgow, G2 7AT, United KingdomPending Principal Place Of Business3rd Floor Spectrum Building, 55, Blythswood Street, Glasgow, G2 7ATPending Registered Office21, Arthur Street, Belfast, BT1 4GAPending

Trading Names:

 

NameAction BCSPending

Categories:

 

CategoryAction Consumer creditRemoved Consumer hireRemoved Credit brokerageRemoved Credit reference agencyRemoved Debt adjusting/counsellingRemoved Debt collectingRetained

 

 

 

Notice the removal of some of their priviledge on the new licence.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The removal of some of their categories could explain the incredibily stupid and probably unlawful letter they sent to the OP and their apparent breaches of their laughable CSA Code of Practice

 

Members should:

Conduct business lawfully

Conduct dealings with debtors in a fair and reasonable manner

Maintain a high standard of business practice

Compete in a fair and reasonable manner

Ensure all staff are provided with adequate training

Not discriminate

Protect the reputation of clients

Not knowingly misrepresent qualifications, experience and abilities

Handle debt cases in a fair and reasonable manner

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the other company that they are working for are hillesden securities ltd

 

Well known on here as well. They probably thought they would up the pressure by using a seemingly local DCA. Pity they didnt pick one that knew their Legal Obligations:eek::lol:

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If they continue to send begging letters when in DEFAULT of your CCA request then you MUST report them to Trading Standards, The OFT and your MP as well as making a formal complaint to them.

 

If they cannot produce the paperwork then they should not be placing defaults on your Credit file although getting these removed is easier said than done.

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Agreed but not impossible.

First OP should send s10 to their data controller.

Give them 21 days to cease processing.

Once thats done steps can be taken to enforce it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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so i just wait now for the 12 + 2 days then send the other letter

 

this company is playing games with me

 

i have done the cca request on my wife debt and they responded saying sorry they will remove the default and stop trying to collect cause they could not supply us with the cca

 

so why is this company trying to act stupid !!!

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Ms Ferguson has not grasped the concept that she works for a DSA that has absolutely NO LEGAL POWERS whatsoever. For too long DCAs have had customers who were too frightened to fight back and assert their LEGAL rights. Her apparent stupidity and arrogance can be seen from that pile of crap she wrote in response to your CCA request. Do not be in the least bit concerned about the idiotic ramblings of these idiots. You have the law on your side and will wipe the floor with them.

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