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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • 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.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • 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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Are Halifax bypassing DCA's?

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A while back Halifax paased my loan debt onto IQoR who quickly passed it onto the lovely Geoffrey Parker Bourne. I informed the CCCS who have been making payments to GPB. Every month I recieve a letter from GPB thanking me for my payment but I need to ring them urgently. This went on for a few months and when I rang them recently I was told as long as I was making the payments not to worry about it. This month I received the same letter. The only difference this time is that it just says " Urgent please call us now" in bold capital letters on a grey background. Also, this is the first envelope which has their name and return address stamped on the front of it.

Is there any way these constant letters could be classes as harrassment because according to OFT (or is it FOS) guidlines GPB (effectivley acting as a debt collector) should be dealing with the CCCS.

 

Halifax haven't even bothered with a DCA for my overdraft debt. They involved Eversheds right away.

Their letter gave me until the end of July to pay the balance. Rang Eversheds last night and told them that the CCCS are already making payments on this. The guy I spoke to told me to pass the letter onto CCCS so that "we can enter into negotiations with the CCCS". When I asked what is the point of that when CCCS have already worked out the payments based on what I can afford to pay each month. He replied "because they could be paying some of your creditors more than they need to":confused: (yeah right how silly of the CCCS:razz:)

 

I brought up the subject of taking me to court, a couple of times. "Why would we want to do that" he said, "because it says as much in the letter and if you're not happy with the amount being paid towards the debt. Then as far as I can see it's the only alternative".

 

Any advice as always would be greatfully received. It seems to me court action, steal the money (only joking of course) or ignore them for six years (I wish) is the only way to get rid of this harrassment.

 

TBH I can't see CCCS adjusting the payments to suit the Halifax.

 

Sorry for such a long post guys and thanks in advance.


HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

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Has anyone got any advice on what I can do to get these people of my back. I think they are just going to hound me month after month.


HALIFAX: 13/01/07 Sent S.A.R - (Subject Access Request) letter (marked as rec'd 16/01)

Paid in full in March 07

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