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    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
    • scared of what? you simply jumped at turnstile.... it's not a prison sentence and done very doubtfully of any criminal. exuberance of youth stupid act at very very worst it will be a warning letter if anything ever happens ..means nothing going fwd. dx          
    • Hi, everyone. I received a letter from TfL investigator/Prosecutor. The letter reads as follow:   ''Thank you for responding to our enquiry letter. Your comments will be taken into consideration when reviewing whis case and we will contact you as soon as we have reached a decision. TfL now consider prosecution against passengers who are in breach of all TfL byelaw offences and I must inform you that further legal action may be taken. TfL byelaws can be found at ... Please do not hesitate to contact me if I can assist you further.''   The letter was sent 23 days after I replied to them. Should I send another begging letter to IAP? I'm extremely scared now. Thanks all.
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    • 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.

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Intrum Justitia harrasment


HOWLER
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A VERY BIG THANK YOU TO ALL FOR YOUR COMMENTS

 

i am now back in her ( wife y that is) good books.

 

not only do you make debtors feel better but also marriages, who needs marriage councilors ?

thanx yet again

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THANK YOU to itsamomentintime

 

M U helping out L U F C. thats a first

 

cheers mate

 

 

some things are worth swallowing my pride for

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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  • 2 months later...

I think you should send them a similar letter to that you sent to previous companies. The letter in post 7 to this thread, seems to be the one.

 

It is sometimes better to send such a letter by recorded delivery, as it sends a signal to the company that you are willing to fight your corner. Companies like people to ignore them, as they then think that they have a chance of getting a CCJ by default.

 

See how they respond. If they don't and continue to harass you, report them to the OFT/Trading standards via the Consumer Direct helpline.

 

You have to ask yourself the question, as to why Bryan Carter did not do anything. Lack of paperwork by any chance ? I suspect so !!!!!

We could do with some help from you.

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  • 1 month later...

Hi Howler,

 

Deal with the letter in the same way as with Brian Carter before.

 

I don't see that anything's changed since then, so use the same tactics for now.

 

:-)

We could do with some help from you

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 2 weeks later...

No Wescot asre asking for money wescot has to provide.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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No just write reminding them they are the ones asking you for money and as result they have to provided. I will try and find the relivant case law.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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You may want to add this to your letter

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Tho l would like to point out at this stage that Wescot are clearly aware of this rule as serveral caggers, my self included, have wrote to them reminding them of this.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

Maybe just remind Mr Nelson that you still await a response to your CCA request and that any collection demands in the meantime will be reported to the FOS for investigation for breach of the OFT Debt Collection Guidelines.

 

8-)

We could do with some help from you

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I second what slick says but remember to add in the section l added last time re the rights and responisiiltys etc about 3 posts back if my memory is correct.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

hi to all

latest rubbish recd today . just to let you know i couldnt be bothered to reply to any of last letters , but i think now is the time. as always comments invited .

keep up the good work and good luck to all.

wescotvisit166.jpg

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If you haven't already seen it, check out the Article in the Debt Collectors Library about home visits.

 

8)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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