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    • Hey! Sorry for not writing, I have been extremely busy in the past few weeks. I do have a question though and I wanted to see your opinion. I understand that the next step will be probably to take legal action against Amazon. But there is one thing that I haven't tried yet. What do you think about filing an official complaint through a third party, like https://www.econsumer.gov/#crnt or with the relevant (private sector?) ombudsman (I am not sure where I could do that)? And if I am not happy with the ombudsman's decision, I could still take court action. 
    • what about the unnecessary building insurance?   but to be honest you are not going to ever seriously dent a £148k sum  
    • No just the year stated from 2019
    • Or even the off-premises definition c will apply here too. a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer;   I am not sure what would be classed as 'immediately'   Great to have this discussion by the way which I hadn't contemplated.
    • No negotiations or discussions took place at the agent's premises - the only face-to-face contact was at my home when the agent came for initial introduction and appraisal of the property. Good question regards to the difference between the two. I guess the distance contract applies to sole online purchases whereas bullet (b) of off-premises contract applies to me as the agent's represented visited my home and the offer was made then for the services.   “distance contract” means a contract concluded between a trader and a consumer under an organised distance sales or service-provision scheme without the simultaneous physical presence of the trader and the consumer, with the exclusive use of one or more means of distance communication up to and including the time at which the contract is concluded;     “off-premises contract” means a contract between a trader and a consumer which is any of these— (a) a contract concluded in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (b) a contract for which an offer was made by the consumer in the simultaneous physical presence of the trader and the consumer, in a place which is not the business premises of the trader; (c) a contract concluded on the business premises of the trader or through any means of distance communication immediately after the consumer was personally and individually addressed in a place which is not the business premises of the trader in the simultaneous physical presence of the trader and the consumer; (d) a contract concluded during an excursion organised by the trader with the aim or effect of promoting and selling goods or services to the consumer;
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Help with Expenditure Form


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You're in the right place now WN and all the advice you've received so far is sopt on. You really do need to SAR the original creditor to look at a charges reclaim. If you need a letter give us a shout :)

Could you point me in the direction of the SAR letter please.

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Anthrax alert at debt collectors caused by box of doughnuts

 

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The good news is that RBS are not the best in the world at coming up with old agreements :)

Elsa x

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

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  • 1 month later...

Hello again.

I've finally recieved the Credit Agreement. I apologise because my information was off before. The loan was through Capital Bank which is a Bank of Scotland company, and not through the Royal Bank of Scotland which I originally thought. Also it says it was for £4000 and not the £3000 I thought it was. Anyway, attached is a copy of what they've sent me.

my.php?image=creditagre

URL%5D

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You forgot to attach it. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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They're too small, can you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy & paste the URL back here?

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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  • 1 month later...

Once again I've recieved a letter from Blair Oliver and Scott asking me to call them because my repayment is up for review. I'm to have details of my income and expenditure at hand for their Collection Specialists to assist me.

 

Any thoughts on what I should do? :???:

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Only a court is entitled to that information, report them to TS and the OFT and copy them in on the letter :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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TS = Trading Standards

OFT = Office of Fair Trading

 

Consumer direct can help you make a complaint to your ow TS, their TS and the OFT:

 

Trading Standards Institute - Home page

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"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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You can write a short letter to BO&S advising that you have contacted TS and the OFT for asking for information they're not entitled too and that your circumstances haven't changed (if that's the case) and you will not be making increased payments or you may have to decrease them if your income and expenditure dictate this!

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Hi

You say they are asking you to phone and have your income and expenditure ready so they can come to an agreement. Don’t ring and tell them nothing!

 

You say you are only in receipt of benefits for you and your children. There is no way you should be paying £20.20 per month from benefits.

 

When you received your award letter from the DWP it says in the first paragraph what you are entitled to and then goes on to say this is what the government thinks you need to live on. Benefits are for you and your children to be able to live and £20.20 must make a big dent in your resources.

 

Don’t send them an income and expenditure letter send them a letter stating that your only income is benefits and you are only able to offer a token payment of £1 per month as a gesture of goodwill until your finances improve. If they did issue court proceedings and unless you’re sitting on a fortune in assets I doubt they would, a £1 is all a court would award.

 

BOS do like to try and bully you don’t let them if you have not got it you cant pay it. This is the letter I sent

Since making that above agreement with you, my circumstances have changed.

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

In view of our circumstances, would you please a goodwill payment of £1 per month to be reviewed in six months. If

interest or other charges are being added to the account, we would be grateful if you would freeze these so our

debt does not increase.

Should my circumstances improve we will contact you again.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

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