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    • the IVA failed that should have been the end of  however and i don't understand how, but you allowed them to take you to court and get some kind of judgement...whatever that was.??   typically it's 6yrs from the time you entered into the latterly failed IVA. unless whatever the court did varied that date. when an IVA fails everything is normally reset to as if it never happened bar payments made to creditors resetting your SB dates. you are better out of it anyway   most IVA's are designed to fail from the get go and simply feeds the practioners with ever increasing fees making sure little money ever gets off your debts but lines their own profit pockets     a week or 2 ago the FCA brought in new proposals or rules to combat these very pirates.   
    • exchanged the tent as they have offered and walk away.   move on.    
    • I took out an IVA in January 2012 however it failed and went to court in March 2013 due to unemployment.  I received a letter from them dated February 2015 with court information (as they took me to court) stating    ' Further to the failure of the Debtors' Individual Voluntary Arrangement, the Supervisor retained the power to deal with any pending PPI claims and recovery of VAT (where applicable).   Any potential PPI monies have been received by the Supervisor and distributed in accordance with the IVA proposal as modified. However, where further IVA assets, such as PPI are realised after completion of the IVA, these will be realised by the Supervisor acting as trustee of those assets which will be distributed in accordance with the IVA'.   I just need some clarification about this. How long does the Practitioner duties last and does this mean that any PPI claims that I may make in the future and awarded will go to the Practitioner for distribution?   Thank you for your help. 
    • read the red bits below ...   if you've paid nowt in more than 6 years the debt is statute barred. send arrows our SB letter from the debt collection section of our library.    
    • yea old truecall box. but many phones now have truecall software or akin within.   neighbour has a panasonic set too that has call blocking and 00* works on those too.    
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    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

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I have fired off this letter to orange customer relations, please have a read and let me know whether you think I have a leg to stand on. Is there anyway I can get the missed payments off my credit file?

 

Dear Sir,

I am writing to complain about the service I have recieved from your company. I am a relatively new customer of yours when I took out a SIM only agreement with yourselves back in March. In June I had my handset stolen and needed to replace it. I was eligible to upgrade my SIM only deal to a full contract in June so I took the opportunity to do so. When I went to your store in Bond Street tube station I opted for the HTC Touch 3G on a 24 month agreement Dolphin 30 tariff. I signed all paperwork in store and was advised my new tariff would take effect from Midnight that day. However the next two bills I recieved showed that the tariff had not been changed. I went back to the store in Bond Street with the paperwork and the sales advisor that was dealing with me rang them up and confirmed that it had not been changed in error. He put my bills in for a recalculation and I was advised not to pay them until the recalculation was done. It took nearly 3 months to get it sorted.

Today I have phoned up to arrange a new line on my account with an Iphone 3GS for my partner. I was advised I could take the new line on condition that I paid a deposit of £150. I asked why this was and was advised that my payment history over the last few months was not 'up to scratch'. I advised them about the issue I had with being told not to pay the bill due to the billing error and was advised to contact yourselves to appeal. I work for a mobile phone firm myself and have never come across asking for a deposit from an existing customer to add a new connection to their account.

If you look at my previous bills they have averaged around £70-80 per month for just one line - if I took the new line your income from me will almost double every month. So I cannot understand the logic of paying a deposit when I have followed the advice of people in your company all along. I feel I have been treated unfairly and would like to get this situation resolved amicably.

I look forward to hearing from you.

Regards

***** ********

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I can understand why their systems are rejecting the addition of a new contract due to this. All the system will see is an unpaid/late-paid bill and then calculate risk accordingly. I imagine that this would require the human attention of their 'credit referrals' dept to give a judgement call on it.

 

If a recalculation has gone through then this proves they admit there was an error, otherwise there would have been no reason to recalculate the bill. This should be all the proof they need to not count the recent payment history as a decisional factor for this. Their decision would then be based purely on your credit score.

 

Therefore, if they did base their decision purely on the payment issue then i believe your letter to be justified. However, before sending it, i would suggest speaking to their sales team again to reattempt the new contract and asking them to take a second opinion from their credit referrals team if any problems with their systems asking for a deposit.

 

Post back here to let us know the outcome. Good luck!

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