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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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First step Finance - **BANNED DIRECTORS STOLE +£6M**


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I would suggest you contact any member of the site team on

line now, this is not in my area as a ordinary subscriber here.

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I would suggest you contact any member of the site team on

line now, this is not in my area as a ordinary subscriber here.

Hello Brig,

Is something going wrong with the thread..seems strange.

Anyway sent report but I don't know how else you contact the site team

Many thanks

Nancy

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LTPs post has been removed because of accusations

made in it, it is not for me to comment further on this.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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LTPs post has been removed because of accusations

made in it, it is not for me to comment further on this.

Hello Brig,

I see I think it looks like he is accusing me of lying but he is infact talking about someone else..I can see it from the email alert.

I will tell the site team if they ask.

Thanks for your help

Nancy

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You also seem to have responded to

the posts of the person you are accusing

of lies.

Some ting smells here.

 

You have obvious not experienced the correspondence of this person, it is beyond belief. The lies are proven solidly and she is exposed, nothing wrong with that. It is the person at FSF sending these letetrs that I refer to and it is in the interest of anyone dealing with this outfit to be aware of it.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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LTPs post has been removed because of accusations

made in it, it is not for me to comment further on this.

 

Not accusations, facts and I stated that it has been proven. If proven, then it is facts and not accusations.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Not accusations, facts and I stated that it has been proven. If proven, then it is facts and not accusations.

 

Given your previos ''help''on this thread.

Please enlighten us on your view and a complete

explanation of your accusations and your reasons

for these.

Otherwise I suggest you withdraw.

This seems to be a very personal attack,

please explain.!!!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Given your previos ''help''on this thread.

Please enlighten us on your view and a complete

explanation of your accusations and your reasons

for these.

Otherwise I suggest you withdraw.

This seems to be a very personal attack,

please explain.!!!!!

 

I see you are not a member of the site team and I have no obligation to explain anything to you. I have dealt with this company extensively, I believe you haven’t and believe you are completely out of line, especially one that referred to them as morons, double standards, isn't it? I reported that post.

 

 

 

You bursting into the thread very recently and throwing your weight around is not helpful and is more helpful to this ‘company’ than to anyone else here. You have no idea of the issues at hand.

 

I will not respond to anything you post because I have better things to do than to react to someone bursting into a place and act if they owe it!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Oops just got an email alert, sorry for my delay in responding,

I think the Brig may have thought that you LTP were talking about me in the first post, when you refered to 'the liar' so the comment was withdrawn.

We are all on the same 'side' here and I for one am very very grateful for the help both of you have given me.

Nothing to explain as the 'she' LTP is refering to does seem to be very questionable and LTP is justifiably very annoyed.

Got to write several letters tomorrow to FSF and see what rubbish comes back.

Nancy

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As LTP has decided that he is the only person

fit to advise you Nancy I will leave it to him to

advise further:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I see you are not a member of the site team and I have no obligation to explain anything to you. I have dealt with this company extensively, I believe you haven’t and believe you are completely out of line, especially one that referred to them as morons, double standards, isn't it? I reported that post.

 

 

 

You bursting into the thread very recently and throwing your weight around is not helpful and is more helpful to this ‘company’ than to anyone else here. You have no idea of the issues at hand.

 

I will not respond to anything you post because I have better things to do than to react to someone bursting into a place and act if they owe it!

LTP, all I did is what any sensible cagger would have done ,I reported a very abusive post to

the site team, I did not ask for it to be removed that is of course only for the moderators to decide.

Also I did not refer to any one as a liar.

As you seem to consider yourself ''expert'' on all matters regarding FSF I'll leave

you to carry on abusing them.:madgrin::madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I want to repost what I have started before I was so childish interrupted by the “Thread Police” because I believe it can be very beneficial to anyone involved with this filthy company, FSFools. I will expand on some points because I certainly do not want anyone to be robbing of some info by a “sensible cagger” from something that may, or maybe not, be beneficial to them.

 

I do not post here for my own benefit and I certainly do not have the time (I do have a real life!) to spend all my time here to be able to make on average 20 posts per day for over a year and then to openly canvas for people to double click my star so that it can shine very bright and make me look só important! I do this purely because I cannot stomach that this filthy company are trying to suck out as much money from people who turned to them when they are in need! There are very little help or advice out there for anyone who wants to cancel their arrangement with these blood suckers. How many people do want to cancel at any one time is very difficult for any outsider to determine but I did hear a figure of around 500 at this time but I am unfortunately unable to verify that. Nonetheless, compare any such figure against the amount of people posting here and add a small number that do read these posts but who prefer not to register, then you can see that there are potentially a vast number of people with absolutely no advice for them. Therefore I post in the hope that it could be beneficial to anyone reading my posts because there is no one else posting here that seems to provide any substantial advice on a continued basis. I would certainly be extremely glad should that actually be the case. I do not claim that I know everything, or anything at all but I based what I write on a foundation and do not pluck anything out of the air. The basis is what I have learnt, what other have experienced and I was made aware of by them and the decisions of organisations like the FOS and legislation and guidance that we all can interpreted.

 

Should anyone disagree with what I write, I will have no objection for them stating that but I will ask that they provide the basis of why they disagree. I make posting base on substance and if you think I am talking rubbish, then it is you’re right to do so. I will extend a bit on what I mean by substance for the benefit of people who are interested in what I am saying and if you are not, then you can simply ignore it! I say what I think but should the statements be harsh then anyone can be assured that the basis of those statements are solid.

 

I am also not afraid to speak my mind and if a spade IS a spade, then I do call it a spade, not everyone prefer to do that. If it is fact and you can proof it to be fact, then it is truth and if the receiving party (or any allies of them!) believes this truth is very abusive, then tough luck! It is then certainly not libel. The FOS had no issue with me making some of the exact statements in communications to them that I have made here because I provided them with the proof.

 

If you do not have the stomach to call a spade a spade but you are more than happy to make defamatory statements without base and comment on others making statements on a sound basis, then you have to accept that star is not shining só bright any-more!

 

Many people that receive the response from FSFools when they cancelled are absolutely dumb smacked by the contents of it and are justifying outraged. The reason for this is that the content often contains mostly rubbish, often outright lies, false statements and a lot of content which make it obvious that the person producing it haven’t thought the response through. Furthermore, many statements and actions speak loudly of being extremely short sighted. All this makes the receiving party extremely angry and outraged but the flip side is that it is potential dynamite in any action such a party wish to take. All you have to do is to produce any paperwork illustrating the lies and false statements and use the foolish statements and short sighted responses to its maximum.

 

What do I mean by lies?

Making a statement that they believed a certain person wrote on the envelope used to mail a cancellation to them and that they have matched that hand writing against a previous client of them. This previous client (or anyone currently or previous involved with them) DID NOT wrote on that envelope and therefore there is absolutely no way that they could have matched the hand writing (even if they attempted it!). Making a statement that they have matched hand writing when they haven’t is in my books a lie, you can call it whatever you like!

Making a statement to the FOS that the person only complain to them after loosing his/her complaint with the ICO because the ICO found in the favour of the FSFools while it is still an ongoing complaint with the ICO is another example of a lie. Why making such a foolish statement is unclear because there is no benefit in it. Expecting the FOS to believe the ICO completed an investigation in under 2 months and the FOS also received a copy of a letter from the person making the complaint which the person received months after that from the ICO stating that it is still an ongoing case clearly illustrated this lie to the FOS.

There are a number of other such examples that I have at my disposal.

 

False and idiotic statements:

Making a statement that all the accounts of a certain client were already in default when he/she signed up with them when that was certainly not the case is an example of this. All that this person had to do was to obtain a copy of his/her credit report clearly showing when any default was registered and showing the history of payments made. I put it in this category because the person making this foolish statement did not seems to really know what is meant by a default! Therefore it is not necessary a deliberate lie but it is certainly a false and idiotic statement to make because the proof to the contradictory helps in destroying any credibility that FSFools may have had. I have a whole range of such examples and putting them all together utterly destroyed the creditability of this circus outfit.

 

These types of things are dynamite, as I mentioned earlier, and this is enough to make it clear to the FOS what these fools are about. One should certainly use it because I still have to hear about any person cancelling that received an appropriate response form the fools.

 

I wanted to post on the following topic only at a later stage but I feel compel to try to limit any damage caused to people in need by a certain “sensible cagger”. I have been accused of providing “help”. The adjudicator of the FOS found in our favour, BIG time and FSFools did not accept that. It is now referred to an ombudsman, one can view it as an ‘appeal’, if you are not happy with the decision of an adjudicator, then you can refer it to an ombudsman for another look and decision. Some of the things that I have posted on this thread were based on findings and statements from the FOS. I will also quote one paragraph from the response of FSFools to the FOS (these are there exact words):

 

“The agreement comprises of two pages of A4 and over 840 words and a Debt Schedule . It is not the 4 sentences as you have quoted and taken out of context. If they were I am sure we would not have won 23 cases with the Ombudsman based on the same agreement document. Some of which you adjudicated on. We would like to know why you have made a complete turnaround on the same document.”

 

There is no where on any documentation from either the FOS or FSFools regarding this that this is confidential and I believe that I am allowed to post this paragraph under the following:

http://www.financial-ombudsman.org.uk/faq/businesses/answers/handle_cases_a5.html

 

What is actually astonishing about their response is that 2 pages are missing!! You respond to the FOS that you do not agree with their findings but you failed to include 2 of the 9 pages!! This once again illustrates how incompetent they are! Imagine the impression this, together with all the false and idiotic statements, this is making on the FOS!

 

I believe only the biggest FOOL will call Information based on statements form the FOS as “help”. I believe I will have to watch my back for the “Thread Police” from now on, he seems to be pretty active!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hello LTP,

Thanks for this and I was just about to PM as I have been busy all weeekend with my 'real life'

I am sorting though some stuff to day and then set about tackling the rest of the FSF stuff tomorrow and Thursday.

I will keep you updated

Thanks

Nancy

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  • 1 month later...

hi there

new member here

i was interested to read this thread and thought i would let you know where i am and see if there is any advice for me.

 

i have been with first step since july 2009 my current debt is £42,000 and i pay £135 per week (£7,020 per year)

first step are paying £232 a month out to my creditors of which two have ccj's against them.

 

they are still in dispute with 4 of my creditors who cant produce signed documents

 

the first 12 month were hard as i was getting phone calls all the time and letters too, first step said not to get into dialogue with them but it was very hard and stressful. for the last year or so things have been quiet for me and i am not now getting pestered by my creditors.

 

a few weeks ago i enquired what was in my pot and what was the next plan of action, i was told that i had £11,000 in my pot and that it takes time to sort things out and they like to build up the pot so they can make offers to everyone and clear all debts at the same time, the time scale is now 5 years and 3 months. (when i signed up it was between 3 and 5 years)

 

my problem is that i want to start seeing some movement with my debts, if there is £11,000 in the pot the surely this can go a long way to clearing a few of the debts. i phoned them up today to express my feelings on the matter and to basicly tell them this is what i wanted them to do. they said if i did this then there would be nothing left in my pot and i would have to start over again and this could add another 3 years onto the plan. i disputed this as how can getting rid of debts and their payments put time on a plan. anyway they said they would get back to me before monday with some sort of plan as to where we are going.

 

i am in two minds about what to do part of me is saying come away from them and do it myself and part of me is saying give them a bit more time to see if they start making offers to my creditors

 

any suggestions

 

thanks

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Hello EFC2011

Welcome to this site where you do get help and not sales people spinning lines to make money.

You are in much the same position as I was before I cancelled with FSF, same level of original debts although you have paid more into your pot.

Since I cancelled I have just begun to realise what a mistake I made signing with them and what little they did throughout the two years and how badly they did it.

If you read back through the whole 21 pages of this thread you will get some idea of the problems.

Anything they say they are doing, you can do quicker, more efficiently and for free by yourself. It takes time and I am still trying to do stuff but I have already made payment agreements, settled an account and at least have an idea of what is happening as they didn't tell me anything really.

After I cancelled (and without my permission) they used the rest of my pot to make payments so they could claim their alleged fees. They actually did more following the cancellation than in the 2 years previously. To think I trusted them with my finances makes me shudder and I still don't know what exactly they have paid out to my creditors as they now say they have destroyed all my data and cannot deal with me :O)

I used them because I didn't know how to deal with everything and I buried my head in the sand but now I do know and it feels good to be sorting it out.

Read this thread and have a look round the site then post again when you have a better idea of what you want to do.

Good luck :O)

Kind Regards Nancy

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I think your figures give the answer on what to do 4x135 going

into them £232.00 paid to creditors where is the balance of £308

going do you think any management plan should be p[aying the

majority of the funds to the creditors not more than half retained

or used as fees.

In my opinion you would be far better managing this yourself.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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hi there

new member here

i was interested to read this thread and thought i would let you know where i am and see if there is any advice for me.

 

i have been with first step since july 2009 my current debt is £42,000 and i pay £135 per week (£7,020 per year)

first step are paying £232 a month out to my creditors of which two have ccj's against them.

 

they are still in dispute with 4 of my creditors who cant produce signed documents

 

the first 12 month were hard as i was getting phone calls all the time and letters too, first step said not to get into dialogue with them but it was very hard and stressful. for the last year or so things have been quiet for me and i am not now getting pestered by my creditors.

 

a few weeks ago i enquired what was in my pot and what was the next plan of action, i was told that i had £11,000 in my pot and that it takes time to sort things out and they like to build up the pot so they can make offers to everyone and clear all debts at the same time, the time scale is now 5 years and 3 months. (when i signed up it was between 3 and 5 years)

 

my problem is that i want to start seeing some movement with my debts, if there is £11,000 in the pot the surely this can go a long way to clearing a few of the debts. i phoned them up today to express my feelings on the matter and to basicly tell them this is what i wanted them to do. they said if i did this then there would be nothing left in my pot and i would have to start over again and this could add another 3 years onto the plan. i disputed this as how can getting rid of debts and their payments put time on a plan. anyway they said they would get back to me before monday with some sort of plan as to where we are going.

 

i am in two minds about what to do part of me is saying come away from them and do it myself and part of me is saying give them a bit more time to see if they start making offers to my creditors

 

any suggestions

 

thanks

 

The one thing you have to remember is that their whole strategy is to see how THEY can make the most money out of your situation. They could not give a rats ass whether you gain anything or loose out significantly! For them it is just THEM and the money they can make OUT OF YOU! You have to view everything they say and do from that point of view.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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if there is £11,000 in the pot the surely this can go a long way to clearing a few of the debts.

 

Also remember that £11000 in a saving account at an interest rate of 3.2% (can get better than 3.2%) is £30 per month in their pocket!! No mention anywhere, ever about these interests!!

 

Therefore it is certainly worthwhile to have all their clients money in the "pot" as long as possible and to have in their as much as possible!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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I think your figures give the answer on what to do 4x135 going

into them £232.00 paid to creditors where is the balance of £308

going do you think any management plan should be p[aying the

majority of the funds to the creditors not more than half retained

or used as fees.

In my opinion you would be far better managing this yourself.

 

Brig.

 

Couldn't agree more, if you were paying this amount to Payplan or the CCCS then ALL of the money would be going to your creditors....

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Couldn't agree more, if you were paying this amount to Payplan or the CCCS then ALL of the money would be going to your creditors....

 

You have to remember that their argument is that they keep the money in a pot until they can make a full and final settlement deal. If you have a debt of say £10000 and they make an easily achievable F&F settlement deal of £5000 (could be less, £4000, £3000, etc.), then only £5000 (or less) goes to the creditor and the debt is paid, while you will have to pay the whole £10000 to CCCS and Payplan to settle the debt. If you add their cost and fees then you will have to calculate what you actually pays. For the £10000 debt the 8% is £880 and the 25% settlement fee is £1250, therefore you pay £7130 to get the debt settled instead of £10000 when paying to Payplan or CCCS. As far as I know Payplan or CCCS do not make any F&F settlement deals and cannot do because they do not have your funds stored up to do it.

 

Therefore there is some validity to the point of keeping the money until you can make the F&F settlement deal. The problem is not that they keep the money to make these deals. The problems are that they do not tell the customers what they intend to do, what the consequences is by keeping the money in this so-called "pot", that un-enforceable credit agreements actually means very little, that they draw interest on this money, that they ignore what you ask or require and a whole range of other things and that the service they provide are extremely poor. Add to that arrogance and you have this explosive mix.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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As stated many times before here and on the rest of the site, doing it yourself is by far the best and most effective way of handling your debts and it is not difficult at all. YOU are in control and can assure that you get every penny back from charges, PPI, etc. You can also make F&F settlement deals very easily, given that you have the means to do so.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi efc

 

Ask them if your account now has a credit balance in your pot you will probably find out that it hasnt got one remember they take fees out every month out of what you pay to them. It does take sometime for your pot to start having an actual credit balance. My friends have now cancelled with them. Rumour has it that they are not doing any full and final settlements with creditors at the moment unless they have already begun negotiations with them. I am now helping my friends sort things out with the remaining creditors that they owe money to. We have asked the creditors how much money have they been paid by fsf and we have asked them to provide a statement which all the remaining creditors have agreed to provide. The majority of my friends creditors are easy to deal with and are polite when they have asked for the information.

 

You can do everything fsf are supposed to be doing for yourself and for free and there is plenty of support on this forum to help get you started.

 

Good luck

DG

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