Jump to content



  • Tweets

  • Posts

    • Spoke to my SIL a short while ago Andy and he had the following to say.....     No, he had left their employment by this time, in fact he left January of this year.     August 2013 up until January 2020     Yes, in fact he had a staff MORE card.     He laughed and said "Hell Yes" This even extended to the pubs deputy manageress whom he described as the worst offender and knew that my SIL was doing it as well as other staff members.   There is a story here....   He told me that after he had left, the company fraud guys came in to do an audit with her unofficially being the main target. He has an idea that she may well have been caught with her hand in the till and so she sang like a canary to save her own arse.
    • this is what shell have just sent me in email, confirming mistakes were made it the final response / deadlock letter, they are only telling me this now, 6 months after the deadlock letter was sent to me and long after court action started   please is the actual deadlock letter binding, or can they just noll and void it like this?   Thank you for taking the time to speak with me this evening regarding your account. As agreed, I am emailing you with the details of what was discussed during our phone call so you have a copy in writing. I advised that you previously had an account with Shell Energy (formerly First Utility) for property  and this has an outstanding debit balance of £187.24. However, due to the age of the account and when the invoice was produced on this account, this balance is being cleared. This balance will be cleared within 10 working days and the account will be closed at a zero balance. In regards to account  I advised that back billing credit of £630.45 that was applied in April 2020 was applied in error and was later withdrawn. I explained that the reason it was applied in error is because the back billing period this amount was calculated for, is the same period that the back billing was previously calculated for and a credit applied to the account in February 2017, with the amount of £1192.32 being applied to the energy account. I advised that at the time the deadlock letter was written, the information within this letter was accurate based on the account at that point. After receiving the deadlock letter, you then escalated your case to the Ombudsman. It was at this point, an agent investigated your case and realised that the back billing credit of £630.45 was applied in error. This was addressed within the Ombudsman's findings in writing and they confirmed that the £630.45 was an error and it is correct in being removed, leaving the account balance at £644.48 which is valid and liable to be paid. I appreciate that you have advised the Ombudsman case is null and void as you did not accept their decision and you are right in saying that the actual final decision that they issued was non-binding upon Shell Energy. However, this does not change the outcome of their findings or the fact that the back billing credit of £630.45 was not due to the account. You queried if our call was recorded as you would need it for a judge, to which I confirmed it was recorded. If you want me to raise a SAR for a copy of this call recording, please do not hesitate to reply directly to this email and let me know and I can arrange this for you. I advised that as your case has now been escalated to Shakespeare, legal fees have now been incurred. I advised of the breakdown of these fees: Legal representative cost £70 , Court fee £60 and interest £146.06. I also confirmed that these legal fees were on top of the account debit balance, resulting in an overall balance of £920.54. As discussed, due to the case now being with Shakespeare, I am unable to offer any settlement figure internally. However, I can arrange for Shakespeare to call you directly to discuss your account and options available. You queried if they would be able offer/discuss a settlement figure/payment plan, to which I confirmed that I could not comment on this as I do not know their process, however they will be able to discuss the options in more detail with you directly. As agreed, I will arrange for Shakespeare to call you tomorrow; Friday 27th November 2020. If they are unable to get hold of you, they should be able to leave a voicemail for you. During our call, you also queried who would appear in court to represent Shell, whether it would be a member of staff directly from Shell or whether it would be a representative from Shakespeare on our behalf. I have gone away and spoken to our legal team who have confirmed that it would be Shakespeare who would lead with a representative on behalf of Shell. I hope the information in this email clarifies our position. As advised within our phone call, I am genuinely sorry for the shortfalls you have experienced and I fully appreciate the frustration this has caused. As above, if you would like to request a copy of our call recoding from today, please not hesitate to let me know and I can raise a SAR for this. You can reply directly to this email or you can call on 0330 094 9158. Our lines are open Monday to Friday, 9:00am to 6:00pm. Please note that my working days are Wednesday to Friday each week. Yours sincerely,  
    • Every year the chancellor doles out billions of pounds of taxpayer money, but where does it go? View the full article
    • Amigo has posted a statutory loss before tax of £62.6m, for the six-month period ending 30 September, after reporting a profit of £42.3m for the previous half-year View the full article
  • Our picks

Please note that this topic has not had any new posts for the last 3817 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hiya davey

 

been recommended to this thread of yours by 5664 cagger so guess im heading this way too eventually as bos may well sell on to this outfit, mine the same as you so will take time out to fully read your thread later

 

hope them chillies doing well, keep happy laters angel x

 

Hi Angel,

 

Cabot are not very tough to deal with. More frustrating than anything else.

 

Keep an eye on this thread to see how the ICO deal with the missing information requested as that could prove useful for you at a later date.

 

Chillis are doing well thanks. Flowers all over them now! :cool:

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
  • 4 weeks later...
  • Replies 124
  • Created
  • Last Reply

Top Posters In This Topic

I am trying to write a book on being in debt.

 

I would appreciate any short comments and peoples experiences in their own words on how debt has effected their health and lives. In particular the stress it causes and what being ignored by Lenders and DCAs when you are trying be responsible has felt like.

 

Only short comments wanted please. Say about 300 word max. No massive letters and i am more interested in the psychological effects and mental state, the frustration and stress that attempts to communicate with creditors has brought, rather than the legal side or section 78 failures etc.

 

I would prefer comments sent via hotmail or yahoo (link on the left of these posts) and not posted on the open forum please and rest assured your name/username will never be quoted. All in strict confidence and for my own use in writing about the subject matter and any information will be changed as to keep any comments i may add to the book as anonymous and not traceable back to any individual in any way.

 

Thanks folks... something may come of it. I may be a rubbish author! If it's not good enough for publication and if i ever finish it i'll post it online for download to try to help those being hounded by the evil doers.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
Cabot-3.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
  • 2 weeks later...

Hi Davey

 

I've been just been reading this post and other post on the forum trying get me head round the 'invalid defaults' issue (which most people seem unsure of):confused: and I was wondering where you picked up on the following? Is this 'time thing' mentioned in the CCA act and how would you use it to show that the default is invalid? ''I Don't think I've explained this very well''! Hope you can enlighten me.

 

Halifax shot themselves in the foot again:-)

1st class = 2 days del, 2nd class = 4 days.

14 days from service = 6th sent, 7th & 8th post, 9th service, 14 days from 10th.

 

 

Thanks GM:-)

Link to post
Share on other sites

Hey GM,

 

Check out fuzzybobbles post on JBs thread which explains the requirements of a Dn better than I:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/172734-hfc-agreement-enforcable-5.html#post2012313

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
Cabot-4.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

Still awaiting on the ICO complaint re the missing pages of the agreement. That could take a long while. In the mean time no replies to Cabot.. can't be bothered with them to be honest.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

I too have just received much of what you have posted up apart from the 21yr old agreement they managed to find! I too was missing a page from the agreement and said to them until they provide it account still in dispute.

 

Penin is I believe penalty interest, is that illegal at all? Even though the CCa is possibly enforceable the DN halifax sent certainly isnt;)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

Link to post
Share on other sites

hiya davey

 

ive just getting back to cag a lot more from today, lots to update you so will pm you and fab idea on your book,,, will contribute too

 

take care just wanted to say hiya on the thread for now

 

laters all angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

Link to post
Share on other sites

Spartathisis... i think the penalty interest could technically only be called unlawful.. not outright illegal. Have you complained to the ICO re the missing pages at all? Can't seem to find anyone that has found the ICO to be helpful as yet :rolleyes:

 

Thanks Angel...Appreciate anything you can add.

 

I'll catch your threads when you update them. My book seems to be consisting of ranting and raving at the moment and a couple of literary agents are not interested in the subject matter.. but then again JK Rowling was turned down 10 times before her book was taken up too! :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

Ken maynard could be voldemore(?)

 

Ill be the harry potter type:)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

Link to post
Share on other sites
  • 4 weeks later...
Cabot-5.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

"one of our helpful advisors"!! and its gone up? How come they be charging interest?

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

Link to post
Share on other sites
"one of our helpful advisors"!! and its gone up? How come they be charging interest?

 

They have added about £10 to the account each month since they bought it last December.

 

I have asked for a detailed breakdown at how these amounts have been calculated (as i view it as a charge for debt collection) but all i have had is a nonsense reply stating something about how they are able to charge 'interest' etc.

I'm certainly not paying it!

 

Still awaiting progress on the ICO complaint re the missing pages under my CCA/SAR requests. Could be a long wait. Until then i am ignoring them. They won't take me to Court and i can't be bothered to waste printer ink :rolleyes:

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

If its interest then it should be at the rate that was in force at the time the debt was passed on, they cant charge more but can charge less (my reading of the situation), but as its Cabot and they state they dont have to provide details to you (A Duty) they then cant charge the interest (a Right) as by implication it is equitable assignment and can only collect the debt and nothing else. I think im correct on that one (please correct me if not :)).

 

I noticed on my screen printouts 9yrs ago when they bought the debt they added almost 2k in penalty interest and then a year later took 1800 off. no idea why, they told me they had changed their computer system and it had messed up all the accounts and it would eventually correct it self. This was before I realised they were lying towrags!

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

Link to post
Share on other sites
  • 5 weeks later...

Davey is back after a bit of an absence to usual rubbish from Cabot which isn't getting a reply. Can't be bothered to be honest lol

 

IMG-2.jpg

 

IMG_0001-1.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

Hiya Davey

Have been following this thread with lots of interest as I too am having BIG problems with Halifax.

However - can I ask - have you paid them 34 pence as your balance appears to have gone down!!?? Perhaps if you wait another year or so...... who knows!:rolleyes:

Link to post
Share on other sites

The letter from Cabot is a bit out of order as it could be interpreted by someone not cagwise as meaning that they had the power to actually carry out those threats without the need to go to court.

 

Interesting to note that they say ''will occur'' and not the usual ''may''

Link to post
Share on other sites
I'll be honest... I'm not even going down the F&F route. If the agreement is invalid then the agreement for them to contact CRAs is also invalid. Therefore their only route is constant badgering via letter because I have never read of a case where the court has ordered the debt to be paid (unless someone can elighten me?).

 

Hi there,

Sorry to hop in..

I have to agree with you no matter what..You either fight or ..you getting soft..which is exactly what they want.. I think that by entering in corespondence with them all(banks, DCA/s) is showing that we are doing way too much anyway....and playing a bit of their game.

DD:D

Link to post
Share on other sites
  • 3 weeks later...
Hiya Davey

Have been following this thread with lots of interest as I too am having BIG problems with Halifax.

However - can I ask - have you paid them 34 pence as your balance appears to have gone down!!?? Perhaps if you wait another year or so...... who knows!:rolleyes:

 

Yeah im not sure why the balance went down. in any case it's gone back up again now lol

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
The letter from Cabot is a bit out of order as it could be interpreted by someone not cagwise as meaning that they had the power to actually carry out those threats without the need to go to court.

 

Interesting to note that they say ''will occur'' and not the usual ''may''

 

...and even when they say 'will' instead of 'may'.. still nothing happens. Look at the retreat below... i thought it was pre-litigation time (according to them). But no.. yet another attempt to collect without putting their previous threats into practice.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
Cb.jpg

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

im still waiting (3 months) for a page from the T & C's from Cabot and in turn HBOS. HBOS managed to dig out from 1987 a very poor copy of the CCA, but nothing states that the debt could be assigned or sold, hence the missing page drama. Methinks there is something on there they dont want me to see ;)

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

Link to post
Share on other sites
im still waiting (3 months) for a page from the T & C's from Cabot and in turn HBOS. HBOS managed to dig out from 1987 a very poor copy of the CCA, but nothing states that the debt could be assigned or sold, hence the missing page drama. Methinks there is something on there they dont want me to see ;)

 

Hi there,

It is obvious.... and expect nothing but another rubbish..:D..at least that is what I keep receiving.

DD:cool:

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...