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

    • Thanks for this update. Obviously I'm very pleased that your guitar has been delivered and that you don't have to take any further action about this. On the other hand, I'm slightly disappointed because I was hoping that this might be an opportunity to deliver a serious slap against Hermes. Anyway, who knows why it happened like this – but the most important thing is that the item has been delivered and you're not out of pocket – and also probably you have learned a good lesson – don't use Hermes – or Packlink. It's a recipe for trouble.  
    • The assets are allegedly linked to more than $4.5bn stolen from the Malaysian state investment fund. View the full article
    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
    • The US House Speaker said the law was a "brutal, sweeping crackdown" against Hong Kong's people. View the full article
  • 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
littlefatbudha

Letter from Lowells ,taken over Halifax Account

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3909 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

Hi there,have just received these letters this morning, had forgotten about this old account.

I dont think i have actually paid anything to Halifax,since 2003/2004 cant exactly be sure.

Have just sent CCA to Lowells anyway,thanks.Steve

HALIFAX_0001.pdf

LOWELLS_0001.pdf

Edited by littlefatbudha

Share this post


Link to post
Share on other sites

Hi, just a follow on to the previous letters,does this mean if i CCA Lowells,they should have all the information as they have purchased the debt,otherwise,how would they now the debt is legal.Am i correct in saying this, and if i do CCA them, they cant say that they are asking Original Client for them ?

Share this post


Link to post
Share on other sites

Yes CCA Lowells, even tho' they've bought the debt they won't have the paperwork & will have to contact the o/c for it.

 

Have you received a Default Notice from Halifax in the past?


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

I dont recall getting one,but there is one showing on experian,for this account.

How can these people buy the debts without wanting all the paper work that goes with them ? seem a bit silly to me !

Share this post


Link to post
Share on other sites

They buy portfolios containing thousands of a/cs and if the got the 'white paper' that goes with them can you imagine the logistics needed for filing & storing alone? ;)


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Well i suppose it dont bother them because if it cant be enforced they sell it on, to another DCA,and so on ,and so on.

Share this post


Link to post
Share on other sites

Considering they would have only paid around 10% of the face value of these debts it doesn't take Einstein to work out if they managed to collect 60/70% of the money allegedly owed what profit they are making. :-o


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites
Considering they would have only paid around 10% of the face value of these debts it doesn't take Einstein to work out if they managed to collect 60/70% of the money allegedly owed what profit they are making. :-o

 

I did actually read? Or hear? that some DCA's pay as little as 16 pence in the pound for debts that they buy!:eek:!

 

Or did I dream that?:confused:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

Someone posted the paperwork showing that they actually paid 6p in the pound for one portfolio with a value of several millions,


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Why doesnt the actual creditor take people to court instead of selling the debt on to other parties,all the banks say there broke,well if they did not sell bad debts for silly money,then they would not be at such a State.

Or is it they know these debts are not enforceable,so they sell on to people who think they can bully it out of people,

Thanks to this forum and the great enjoyment of word of mouth ,these bullys seem to be struggling.

Share this post


Link to post
Share on other sites

Several reasons, they can sell the debts on, they can claim tax relief but more importantly it would be bad for their corporate image to litigate against so many debtors.


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites
Someone posted the paperwork showing that they actually paid 6p in the pound for one portfolio with a value of several millions,

 

 

:eek::eek::eek:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

If the original creditor claims tax relief on the debt,then i take it the debt can never return to the OC as they have already claimed for the loss,and if they did would this be fraud

Share this post


Link to post
Share on other sites
If the original creditor claims tax relief on the debt,then i take it the debt can never return to the OC as they have already claimed for the loss,and if they did would this be fraud

 

Who knows what goes on in the murky world of banks and finance:cool:

 

But yes I would assume your correct, unless they bought it back?

But don't forget a lot of these companies/banks etc use their own in house DCA's first, pretending to have bought it, or are acting on behalf of their clients:lol:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

They can still buy it back, but they wouldn't have a reason to. What normally happens is that a DCA will buy a portfolio, cherry pick from it then eventually sell the remains to another debt collector who'll do the same until eventually it passes down the DCA food-chain until it ends up on the desk of some bottom feeder in Kilmarnock. :rolleyes:


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Yes that would be interesting, hopefully we may be able to find out from the dispatches programme ,to be shown very shortly !!!!!!!

Share this post


Link to post
Share on other sites
Hi there,have just received these letters this morning, had forgotten about this old account.

I dont think i have actually paid anything to Halifax,since 2003/2004 cant exactly be sure.

Have just sent CCA to Lowells anyway,thanks.Steve

It would be important to find out when you last made a payment and also when the DN was palced on your file.

Share this post


Link to post
Share on other sites
Deed of assignment was requested as evidence on this thread:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/178042-robinson-way-court-claim-5.html#post2291868

 

9p in the pound

 

A damn good read! And a blooming eye opener! :eek:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites
A damn good read! And a blooming eye opener! :eek:

A well trained Judge obviously

Share this post


Link to post
Share on other sites
A well trained Judge obviously

 

Makes you wonder where her investments lay. :rolleyes:


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites
A well trained Judge obviously

Must be a CAG member:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites
Makes you wonder where her investments lay. :rolleyes:

What can you be suggesting cerberusalert! Surely not that she had money tied up in the Bank, or invested in a DCA?

Share this post


Link to post
Share on other sites
Must be a CAG member:D

Not enough sense to be a GAG member.

 

This is where she comes back and says, Oh yes I have

Share this post


Link to post
Share on other sites
What can you be suggesting cerberusalert! Surely not that she had money tied up in the Bank, or invested in a DCA?

 

Me?...no, I just wondered what she kept her judge's vestments in...it must have been a typo. Just as I wondered what cases she specialized in when a Barrister & the type of casework undertaken by her Chambers? No doubt it'll be in the public domain somewhere. ;)


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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...