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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Capricorn v Lloyds


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rw didn't give much time between letters did they! 23/12 - 29/12 - loyds one dated 31/12! all during the holiday period! did you contact/make an offer at all during this?

not sure, but one option could be that if you still want to try and 'negotiate' with rw, or loyds?, you could complain and try and hold them to their '30 days' 'discount' offer, if it's a decent offer? or could make an offer yourself? what do you think?

IMO.

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thats what I thought. Something isnt right, they give me 30 days then send it to horwich F, then LLoyds straight away. Part of me thinks its a frightener to make me react.

 

As yet I havent done anything. I was leaving it over the hols to think and to rest.

 

I thought about writing regarding their offer directly to RW. They did say their client had authorised an offer, and was going to ask what details of an offer they were talking about, without predjudice of course. I need to know in writing what exactly they are offering, as so for I only have their word they wnat to offer me a substantial reduction, but how substantial.

 

any thoughts?

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Capricorn,

 

I remember having a letter from MBNA once, offering a possibility of a substantial saving, or words to that effect.

 

I did write to them asking what the offer was but they never responded!

 

In view of the fact that I have now had a summons issued, I would not ignore anything anymore and always send an appropriate response, you can never deny to a judge that you didn't try!

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Another threatogram from Robinsons, but no offer, what should I do?

 

Notice of intended legal action

 

Your debt is still unpaid in spite of previous letters, and calls. YOur account may be passed to our solicitors for legal action to be taken.

 

WITHIN THE NEXT 10 DAYS YOUR ACCOUNT MAY BE SENT TO SOLICITORS AND IMMEDIATE LEGAL ACTION MAY BE TAKEN AGAINST YOU.

 

If you prefer to avoid legal action, call or write to us without delay and we can agree a payment plan with you.

 

 

etc

 

 

Please advise what I should do??? :(

 

Have they tried to ring you Ford? Maybe thats the problem, they have never phoned me even though their letter refers to 'calls'

 

So they sent you a letter advising that you had 30 days to take up an offer - which they dont fully advise you on ? They then send a letter prior to the 30 days saying they are intending to advise their client to take legal action !!

 

1. Horwich Farelly are Robinson Way's legal advisors and unless Robinson Way are the owner of the account then they cannot take legal action. You dont say if this account was assigned to them.

 

2. You then receive a letter from LTSB saying that they have been advised to take legal action by the solicitor of the DCA they have outsourced to collect !! Sheesh.. their own solicitors could have advised that !!

 

Capricorn, have you had a read of Sequenci's Debt Blogs. I think there may be something in those in respect of offering a Full and Final settlement.

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks Citizen B

 

I have today written to RW asking for a full explanation of their offer. I think they are playing games with me, looking at the dates the letters were written etc, there was hardly any time for communication between the different parties, let alone allow the time they all were giving for me to respond.

 

I did take a look at Fredsdebt thread again today as he received a application form/cca very similar to mine, which they confirm is microfische only and I feel the back T&C's do not relate to the front and is marked as a Bank copy.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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thats what I thought. Something isnt right, they give me 30 days then send it to horwich F, then LLoyds straight away. Part of me thinks its a frightener to make me react.

 

As yet I havent done anything. I was leaving it over the hols to think and to rest.

 

I thought about writing regarding their offer directly to RW. They did say their client had authorised an offer, and was going to ask what details of an offer they were talking about, without predjudice of course. I need to know in writing what exactly they are offering, as so for I only have their word they wnat to offer me a substantial reduction, but how substantial.

 

any thoughts?

 

yes, i think you were entitled to rely on their formal '30 days' to consider matters. they haven't specifically withdrawn it? and their 'batch' of letters isn't reasonable. maybe worthy of a complaint if needs be?

as dotty suggests, they might not respond to your enquiry about their offer. but worth a try.

imo.

Edited by Ford
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not entirely sure! was thinking aloud. ie in case things don't work out then perhaps an official complaint could be made? to rw, loyds, oft? in addition to the fact that they never responded to your 'dispute' letter?

Edited by Ford
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HELP

 

Letter dated 31st Dec, just received today!!!! from LTSB

 

"I feel it is important to let you know that our agents have been in touch with us in connection with your account. They say that they have been unable to agree a repayment programme and suggest we take legal action against you.

 

You can prevent us taking legal action by paying off the full outstanding balance of this account within 10 days.

 

If you are unable to sent payment in full, please complete and return the questionnaire overleaf to enable us to assess your financial situation."

 

 

 

So much for the 30 days and special invitation then, or could this be an attempt to make me get in touch with them? What should I do?

 

 

 

I had exactly the same letter myself this week. I feel quite saddened now - and there was me thinking i was unique! :-D

 

I queried the wisdown of taking into consideration any suggestion from a mere DCA as to whether legal action should be taken against me and graciously declined their kind invitation to complete and return their attached questionnaire with my updated personal information.

 

CAG - I love you!! You empower me!

 

Good Luck Capricorn

 

 

Impecunious! :-D

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Hi there Impecunious

 

I good to know that I'm not the only one, I was feeling a little picked on by the personalised letter. I must read your thread to see where you are at. As you will notice I had a series of letters by RW then HF then LTSB which together painted a rather odd picture. I still feel the excercise was to make me react. There is no way they are getting hold of my income and expenditure. Even if they did they would be probably offering me donations as to its sorry state!!!!

 

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Capricorn

 

I haven't actually posted any threads on this situation with Lloyds. I've been fairly confident in managing them and their nominated "intermediaries" - AIC and then Apex to date. As soon as I feel out of my depth, I'll definitely post a new thread and get advice. It's all a huge learning curve!

 

CAG definitely empowers!!

 

Good Luck!

 

 

 

Impecunious!:-)

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Nothing yet Capricorn ....................

 

I don't worry about the letters anymore, I just deal with them as and when they arrive. After all, even if LloydsTSB do take me to court, I have no disposable income, no tangible assets, high level of protected earnings and overwhelming debt! Before we get to that stage though, I have penalty charges/unfair charges to reclaim and, in the case of my outstanding loan account, mis-sold PPI, penalty charges/unfair charges ...

 

We could be playing letter ping-pong for a very long time.

 

How are you holding up?

 

Impecunious! :-)

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Im still waiting for a response to my last letter to Robinsons Way. They will probably ignore it, but at least I tried. As many have said, the turn of events doesnt quite ring true, too much correspondence in such a short time, and an offer which they wont tell me about with a month to respond.

 

Watch this space.

 

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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capricorn

Hi there Impecunious

 

I good to know that I'm not the only one, I was feeling a little picked on by the personalised letter........ have also had that 'template' letter!

Caps

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Hi all at CAG

 

Just got home, and received another letter from LTSB. TBH I feel, confused and a little offended by its contents, let me have your comments as to what you think:

 

"Opening Balance

 

£xxxxx.xx

 

Transaction Details

 

Date

 

xx/xx/2010 Payment £1.00

xx/xx/2010 Reversal £1.00

 

Closing balance £xxxxxxx/xx

 

If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a specific order which is set out below. The way in which payments are allocated can make a significant difference to the amount of interest you wil pay until the balance is cleared completely.

 

Allocation of payments

 

Since no interest or charges are being applied to your account, your payment will be used to pay off your outstanding balance.

 

Dispute resolution

 

If you have a problem with your agreement, please try to settle it with us in the first instance. If you are not happy with the way in which we handle your complaint or the result, you may be able to complain to the Ombudsman. We will provide details of how to contact the Ombudsman.

 

If you'd like this in Braille or large print, please ask us.

 

comments please

Edited by Capricorn1601

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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hi, is the dca at top right of letter? is 'payment/reversal' the same dates? (could be an s78 cca fee that shouldn't have been recorded against the 'debt'?) and is 'opening/closing balance' the same amount?

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hi, is the dca at top right of letter? is 'payment/reversal' the same dates? (could be an cca fee that shouldn't have been recorded against the 'debt'?) and is 'opening/closing balance' the same amount?

 

Hi Ford

 

Not quite sure what you mean. The letter has come from LTSB not the DCA.

The payment/reversal dates are one month apart (both 2010 first feb second March)

Yes the opening balance and closing are the same.

 

Not quite sure what this is all about. Any suggestions?

 

 

Caps

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

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Hi Ford

 

Not quite sure what you mean. The letter has come from LTSB not the DCA.

The payment/reversal dates are one month apart (both 2010 first feb second March)

Yes the opening balance and closing are the same.

 

Not quite sure what this is all about. Any suggestions?

 

 

Caps

 

is there a dca name/address shown at the top right corner of the letter?

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Ford, if the letter is from the Bank eg LTSB, there wont be a DCA name and address on it.. will there ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ford, if the letter is from the Bank eg LTSB, there wont be a DCA name and address on it.. will there ?

 

yes! have had one previously! came from loyds, but current dca is shown on the letter as stated. looks like loyds have started sending these 'statements' out where a dca is 'collecting', despite things being in 'dispute' and no such 'agreement' being in place!

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If that is the case, then they should be reported to the OFT. Either the Creditor is collecting or the DCA is, they shouldnt both be at the same time. It is one of the Unfair terms I believe.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the letter has the loyds name/logo at the top. dca name/address top right. 'Date of Statement....', Ref..... then headed 'Statement of Account xxxxxxxx'. 'Creditor: loyds.......'. the rest of the format is the same as capricorn has posted.

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Is the DCA, BLS ? They are inhouse DCA for LTSB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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