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    • doesn't say WILL anything anywhere... nothing to panic about at all. read it properly.   stop believing and inserting imaginary things from your mind that they don't say at all . it's a std threat-o-gram we've seen here 10'000 of times before on all manner of debt issues.   pers i'd be contacting your insurance company directly , i bet as with most of these threat-o-grams they have no knowledge at all that J&P have sent that letter.   typically these companies offer a sum of money to them to be given details in a one line spreadsheet of sums that are outstanding or though possibly owed. they then send out letters hoping people will wet themselves and blindly cough up without reading the letter carefully and dealing only with whomever is their stated client.   read the red bits below too.  
    • I didn’t sleep much last night and it’s making me feel pretty sick.    there is a line that says if I ignore the letter they have issues to issue and serve proceedings without further notice. It also says if I do not consider the amount correct I should respond on 14 days but if I don’t pay within 14 days they’ll issue legal proceedings    would it be acceptable to reply and say due to the time elapsed I would need further time to address this matter.   Ask if they could confirm the account the BACS was transferred too.   Also saying that when selling the car we were told by the dealer it was registered as a cat 3 write off and it reduce the cars value by half.   Can I ask them to confirm why the car was registered as a write off when they state it was repaired    sorry if this doesn’t make sense,  a letter from a solicitor has scared me
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • I received the quote with the company name not a receipt.        
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
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      I’ve also contacted their customer service too
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       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

First Credit £4000 From Halifax


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hi All ,quick Recap And Some Advise Please, After Sending Halifax 2 Requests For Sar, Some Weeks Ago,received A Statement Which I Posted On Here,saying " As Shown By The Final Figure Quoted On Statement,i Can Confirm That You Have Repaid Your Account" In The Balance Column Is Blank, Just A -

After Numerous Letters Apologizing For Mis-sold Ppi, We Received Yesterday Amended Letter From Previous Day ,pleased With Them Selves For Giving Us Compensation,over £4000, Then Stating When Account Sold To 3rd Party ( 1st Credit) All The Money Would Be Sent To Them . Has The Ppi Got Anything To Do With Dca And Will That Statement They Sent In May Hold Any Sway, I Have Wrote A Letter To Halifax Insisitng Money Sent To Us And Sent Them A Copy Of Statement Saying Our Account Is Repaid , Have Not Had Any Communication With Dca For Weeks Now , Any Help Please Thanks Rosie Posie:(

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Technically, thye PPI shopuld have been subject to its own agreement (Unlike charges to a loan or other source of credit) and shouldn't be included with that debt, although Halifax do like to offset funds when there is a balance owing.

 

If the debt has been paid, then the PPI refund should be sent directly to you, simply sending them a copy of the "Repaid your account" letter to Halifax should be sufficient to get them to pay you directly after all, they owe you the money, they don't owe the DCA squat

Hope this helps

 

 

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