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    • 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.        
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    • 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.
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wetnose

Help please relating to American Express

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Hi Guys, wondering if you can help - as you will tell I am new to this site.......... To cut a long story short I moved to Australia last year rented my house out in the UK and have spent the last 8 months evicting my tenant for non payment of rent. In the meantime, I have ramped up a bill on my AMEX Credit Card who I have spoke to them this evening who were less then helpful even after I offered to pay them (via direct debit) £30 per month less than the minimum payment per month plus interim payments as and when I am able to until the debt is cleared. Ok ok I know they are peeved that they are not getting the amount of money they want every month but they have started talking about an RPA and if I am legible for one as they will not accept a reduced monthly amount. I am not too sure what this means as I could not get a word in edgeways as they kept harping on about ongoing cooperation. Even though it is a UK card I am living in Australia and they want to know my Ozzy outgoings which is going to be difficult to prove as the bank account is in my hubbies name - if anybody could give me any advice I would be grateful - thanks in advance :roll:

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they have no right to any of your financial details.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Dear DX

 

Many thanks for your speedy response........but you guessed it another question............. they want proof of my outgoings etc. etc. and I have to provide this in order to be considered for a RPA how do I comply with this request without giving any financial details? Any advice or suggestions would be greatly appreciated thanxs buckets:-?

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Dear DX

 

Many thanks for your speedy response........but you guessed it another question............. they want proof of my outgoings etc. etc. and I have to provide this in order to be considered for a RPA how do I comply with this request without giving any financial details? Any advice or suggestions would be greatly appreciated thanxs buckets:confused: I am willing to pay all the money back but just need a little more time

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sorry

what is rpa?

if it reduced payment agreement, then tell them to bug off!

 

their is NO legislation that gives them the right to such knowledge.

 

they don't need to agree to your RPA!

you TELL them what you can afford FULLSTOP.

 

if and a VERY big if it even went to court, the judge would laugh it out the door.

 

pers, why the hell are you even bothering, this is a civil debt, there is nothing they can do to you, and even less at a few 1000's of miles away!

 

dx

 

 

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi DX

 

Yep it is a Reduced Payment Plan - sorry to be appear so stupid but I have never owed money on my credit card before so I am guessing I can stick to my guns and pay £150 per month and if they are so inclined to take me to court I can only hope that the judge will laugh as you suggest - thanks again for your help it is very much appreciated - I panicked a little as somebody told me they could put a charge against my property in the UK ....... thats why I thought I would get onto a site where somebody could offer helpful advice - thanxs again

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