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    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
    • Maybe have a third chamber, The Peoples' House 😃
    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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advice in what to put in letter to debt collector


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I'm slowly sorting out my debts and am in the process of writing afew letters to numerous debt collectors offering small token payments can anybody offer me some advice in what i should put as i don't want to get it wrong.

Thanks

I've tried looking in the letter templates but can't find anything.:confused:

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Why are you involved with "Debt collectors"? silly question I know but have you CCAd them and what kind of debts are they? Are they harassing you, visiting you or phoning you?

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Its for a debt with bt,long story i changed supplier was told by bt that my contract was up in afew weeks so went ahead with switch.Then found out that my fone line rental was for 12 mths but my broadband was a 18 mth contract and this debt is for ending broadband contract early,contacted bt and was told that as it had been passed onto dc that there was nothing they could do.Even though this is all there fault.i thought i was doing the right thing by phoning them to check first but obviously i was wrong.

I'm only owning up to pay this debt because they've threatened to add on almost £70 in charges etc and can't afford to allow this debt to get any bigger.I've only ever spoken to them once on the phone to dispute this debt.But i can't see anyway of getting out of it.

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Why don't you send all your debtors a CCA letter.

 

Then the one's that can't produce a CCA don't pay them, the one's that do send one check the CCA first to make sure it is what they say it is and was signed/dated by you, and if it is the real thing then offer only small payments.

 

Chances are that if you have 10 debts to pay off 7 of them will not have a CCA or one that can be produced in court.

 

Will save you loads of money in the long run.

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No sorry I replied before I saw your other reply about what debt it was!

 

Not sure about utility bills but someone will come along any minute than can help you.

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OK

 

Don't ring them anymore... make sure everything is in writing. How has the DCA been communicating with you?

 

Do you have a contract for the account? Who is threatening to add on the charges and on what basis? Are these charges set out in a contract?

 

Before you write any letters, make sure you are in full command of all the facts about what you owe and what they can do. Don't give in to being bullied:)

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Thanks anyway,I've steered well clear of credit cards and the one credit company i do owe i'm on top of my debts with them.

Its debts from other addresses i've lived at over the last five years which are coming back to haunt me most i don't even owe them the money they say i do.

One more thing i've noticed recently that i've severne trent water have applied a debt on my credit file which is for an old address,i wasn't living there at the time they say the debt is for so i'm in the process of disputing are they allowed to do this,they put this on my file in 2006.Can i do anything about this to get it off?

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I phoned them because the letter they sent me stated it was for bt and as i wasn't aware of a debt with them i wanted to know what the hell it was for.

Had a very quick conversation with them disputed this debt and told them i'd be contacting bt myself.i did and was told by bt they would contact the dc for me to arrange a payment plan.Didn't hear anything for afew weeks then got a letter off a solicitor saying if i didn't pay with'n 7 days they would seek further costs and would take me to court.

Not sure on what to do next.

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ok lets try and get a lid on this.

 

no dca can add charges or interest fullstop!

 

can you give a full breakdown/story on this debt with BT,

you indicate its by default because you cancelled BT BB early?

thats not true either.

 

if its wescott and their in house sol, they take it with a pinch of salt.

please remember that NO DCA, nor their 'in-house' solicitor HAVE ANY LEGAL POWERS!!

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I have no idea what the full brekdown of this debt is.

I got a final bill from bt for about 39.00 for calls made.Paid this.

Then heard nothing for about 3 months

Then got a letter from wescott saying i owed bt just under £200.So i phoned bt and the told me it was for bb rental for ending contract early,which worked out at around £30.00 a month.I ended the contract in feb,and the contract wasn't due to end until august so i've been charged 6 mths rental charges.

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please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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