Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
Lisa75

Hillsden Securities/Welcome

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4034 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

All,

 

I was wondering if you could help. My partner had a loan with Welcome Finance. January 2003 it showed on his credit file as a default - he has not made any payments or had any contact with Welcome since before this time. Therefore, this should be statute barred. Welcome then sold the debt to Hillsden in 2006 and this is when Hillsdens issued the two defaults at two different addresses.

 

He received a letter address to the occupier last week from Ruthbridge chasing this debt. Hillsden are also involved. He has not made any payments to anyone and advised Hillsden of this and informed them that the debt should be statuted barred. He has now received a letter from Hillsden advising he has made a payment on the 15th August 2004 which he definetely has not. How can he prove this is wrong?

 

Any help would be appreciated.

Share this post


Link to post
Share on other sites

Hi Lisa,

 

Welcome to CAG.

 

I would recommend that he sends a SAR request

 

GK

Share this post


Link to post
Share on other sites

they have to prove it is right, not you prove it wrong. Can you prove you did not start the gulf war? You stated the debt was SB, it is for them to prove otherwise.

Share this post


Link to post
Share on other sites

Hi,

I would write back asking them to state when, where and by what means this alleged payment was made. If, as I suspect, it is a fictitious payment, they won't be able to.

 

What has happened in the past is that when a DCA gets a debt, they pay a nominal amount onto it to keep the account alive.

 

Don't let them get away with it. They have to prove-you don't


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Share this post


Link to post
Share on other sites
Hi,

I would write back asking them to state when, where and by what means this alleged payment was made. If, as I suspect, it is a fictitious payment, they won't be able to.

 

What has happened in the past is that when a DCA gets a debt, they pay a nominal amount onto it to keep the account alive.

 

Don't let them get away with it. They have to prove-you don't[/quote

 

thanks, they also put ruthbridge onto him ie some very unlawful letters, hs put 2 defaults for different addresses, even state wrong date on the default. They stated that welcome told them the aggreement date was 2003, 2003 was the year welcome defaulted me. Has anyone else had the same thing done to them, as any other advice would be helpful

Share this post


Link to post
Share on other sites

thanks, they also put ruthbridge onto him ie some very unlawful letters, hs put 2 defaults for different addresses, even state wrong date on the default. They stated that welcome told them the aggreement date was 2003, 2003 was the year welcome defaulted me. Has anyone else had the same thing done to them, as any other advice would be helpful

forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gif Debt collection library

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...