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    • The Legal Ombudsman has a wider remit than the SRA, and can always refer matters on to the SRA where they find a breach of the SRA's code.   I'd suggest writing to the solicitors, highlighting these issues, asking them to refund the money. If they don't then complain to the LO.
    • Good morning all,   I have an update for you all, shortly after my first hearing i was told i would need to have a rehearing with another company, Obviously i agreed but after the initial grievance hearing the person then asked me to enter into a private conversation, I have received the settlement offer and are disgusted as its not even half of my monthly  salary, I'm not sure what to do at this stage as i dont have the funds to finance a solicitor,so any advice would be appreciated.  
    • Sorry, but what does this mean?   Who are ARC? It would be helpful if you could be a little bit more clear about what happened. I don't understand why you are not simply proceeding against Amazon – because it is clearly their responsibility as it was their driver or courier company
    • I understand that you were involved in a contentious divorce in respect of which there was a bill for court costs – £850. You decided to challenge the costs in court and you lost and an order was made against you. We decided to appeal the order but before the appeal was heard, the solicitors made you a without prejudice offer of a 50-50 split – £425. You agree to this and you signed the document to that effect which you returned to the solicitors. Despite that the solicitors are now trying to impose the original £850 order. Is that the correct order of events? "Without prejudice" is certainly something that doesn't seem to be very well understood, including by solicitors. "Without prejudice" can protect an offer from being disclosed to the court where the offer has been refused so that it is not binding on anyone. However, without prejudice cannot be used to hide everything from the court – including wrongdoings, unethical behaviour et cetera. It seems to me that once you sign the agreement you effectively had a contract. I'd like to know a little bit more about the agreement that you signed but presumably it was intended to bring a halt to any further proceedings. I don't think there is any difficulty about disclosing a contract to the court in the circumstances. It is only the offer which was made without prejudice. Once the agreement was accepted and signed then the document acquired a wholly different character. It was no longer an offer open to be accepted or refused. It was a legally binding contract which imposed obligations upon both sides. In my view the solicitors have acted in a highly unethical way and I would begin by making a complaint to the SRA. I wonder whether the solicitors proposed the 50-50 split to you without consulting with their client and when they then contacted their client and told her what had been agreed, she refused to accept it and on that basis the solicitors recognised that they had made an error but rather than accept their responsibility and footing the £425 out of their own pockets, they preferred to get it from you. Of course this is just speculation but it seems to me to be quite a possible scenario. I'd like to see the agreement post up here please – that my sense is that you should complain to the SRA and you should tell the solicitors that this is what you're doing.
    • What's the default date? It should be on your Credit File
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warriorsq

Meritforce help needed

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I got a letter today from Meritforce Doorstep collection service saying I owe £105 to Mackenzie Hall and that someone from Meritforce will call here in 10 days to collect. Now the thing is they have got my address but someone else's name, this guy used to live in another flat in the house conversion, but moved out several years ago.

 

I have had letters from a company called Moorcroft in the past with this guys name but my address because he owed money to Anglian water, but the amount owed to Moorcroft was more than Meritforce say in their letter, so I dont think its regarding that dept. So what should I do? and also I have a mortgage on my property and am worried that all this will cost me or my property to get a black against it?

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I dont think a property can get black listen, thats a myth.

 

The following info is from creditexpert.co.uk (read what i put in red)

 

People often think that these factors can lead to a rejection for credit - but don't worry, they won't affect your credit rating at all.

  1. Checking your credit report damages your credit rating This is wrong, you can check your own credit report as many times as you like and it will have no affect on your credit rating.
  2. You're on a credit blacklist There's no such thing as a credit blacklist. Red-lining - ruling out whole streets or estates - simply doesn't happen and your credit score does not take account of factors such as gender, religion, race or ethnic origin.
  3. Previous occupants of your address can affect your credit rating Your credit rating will not be affected by the previous occupants of your address unless you have shared a financial connection with them. Your credit report will show you if you have any financial associations.
  4. Family and friends living in your home can damage your chances They can't harm your credit rating unless you share a financial connection, i.e. a joint account. In that case, they become your financial associates and lenders may look at their credit history when deciding whether to make you an offer.
  5. Decisions are made by credit reference agencies Credit reference agencies such as Experian do not decide whether or not you should be given credit. Lenders will make their own decision based on your credit report and the information that you give when applying for credit.
  6. Past debts don't count They can do, even if you're financially fit today. For example, a bankruptcy stays on your credit report for at least six years.
  7. You have only one credit rating. You could have dozens. Each lender uses different formulae when calculating credit scores.


Train hard...Fight easy

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Thanks for that. But what should I do regarding the letter from Meritforce, it's my first letter from them btw.

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Send it back in an evolope, saying not at this address, Or wait for another letter

 

I doubt someone will call, however if they did i think it would be an agent and not a bailiff.

 

Just dont phone them, last thing you should do


Train hard...Fight easy

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Ok will post it back. I was going to ring them until i saw your reply...why is it bad to ring them btw?

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If you ring them, they will try and fob the debt onto you in some way or another.

 

You shouldnt really ever phone a DCA. There a nightmare, and bullies on the phone


Train hard...Fight easy

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Just return the letter and state that if they had done their homework they would see that the person listed has never resided at that address and that any further letters from them will be forwarded onto the OFT for thier consideration on why a "reputable":rolleyes: DCA is sending out collection letters to the wrong address


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Never Never Never Ever ring a DCA unless you have an absolutely clear purpose to the phone call and you know exactly what you are talking about, what you are going to say and are recording the phone call.

 

They will lie, threat and deceive you into paying money you may not have to pay and they will leave you feeling less clear about your situation than when you started. Their sole objective is to relieve you of your money.

 

Only communicate in writing. If they are unable to put stuff in writing, it's probably because they are lying and don't have a leg to stand on.

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Thanks for all the advice. As I know the guy never lived here, and I've never had bad credit score or owed money, the temptation to ring and listen to them try and lie and cheat the dept onto me is quite strong...but I won't lol

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Yeah horrible feeling because its soo easy to pick the phone up, resist temptation for the best.


Train hard...Fight easy

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Meritfarce are just MacKenzie Hall's paramiltary wing.

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Mr.Ton is right


Train hard...Fight easy

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Report them to the OFT & trading standards.

They've already had a slap from the authorities recently, so another 1 is due i reckon :p

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Sounds like these DCA's just need harsher penatlies rather than a slap


Train hard...Fight easy

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Report them to the OFT & trading standards.

They've already had a slap from the authorities recently, so another 1 is due i reckon :p

 

Yeah I will do;)

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Ok I rang Consumer Direct, and left a report with them, they said to ring the Meritforce and inform them about their mix up, which I did. I told the rep at Meritforce my story, and she asked if had a forwarding address for the guy which I dont, and she then said she would remove me from their list. I didn't need to mention Consumer Direct...will just see what happens.

 

*edit* Im going to send the letter back to Meritforce with a letter exlaning my situation, and telling them to forward any correspondence not to me but to Consumer Direct and give them the CD ref number hehe

Edited by warriorsq

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Not like a DCA to just agree, or they may agree but continue to chase.

 

Time will tell


Train hard...Fight easy

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Big mistake to just give the benefit of the boubt.

 

Letting them know consumer direct is on the case is a good move.

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