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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • aesmith
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By aesmith · Posted

      Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • aesmith
      Ovo Energy Bill is way too high - faulty smart meter

      By aesmith · Posted

      It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • Alfy
      Ovo Energy Bill is way too high - faulty smart meter

      By Alfy · Posted

      I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #2 - MBNA CC

      By Badtimes123 · Posted

      To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...

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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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      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

B Card Have Stopped Reduced Payments

Hardupnotfedup

By Hardupnotfedup
in Debt Collection Agencies

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Hardupnotfedup

Hardupnotfedup

Posted
Posted

Hello Guys,

I'm looking for some advice or ideas in how to approach this, I do not dispute the debt apart from maybe a few unfair charges in the past, I have never wanted to upset the applecart because to be honest BC have been reasonable to me over the last 2 years in accepting a payment of £7 a week towards a debt in excess of £7,000. I originally set this up through a debt management company I no longer want to use them(big fees).

BC have now sent me a letter saying that they now want to withdraw the reduced payment option and re-instate interest.

I am actually worse off financially now than when I set up the reduced payment.

Is it worth just writing to them stating my position financially?

I am tempted to just tell them this is what I'm willing to pay and if you don't like it take me to court.

 

Thanks peeps

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Seminole

Seminole

Posted
Posted

A court will only make you pay what is demonstrably affordable. However, you would end up with a CCJ which is generally not a good thing.

 

Bcard are trying to negotiate a new payment arrangement with you with all the sublety of a bull elephant. You should respond to their letter offering a payment that you can afford. If that's less than what you have been paying then so be it. You could mention the point above about what the court would do but don't do so in a threatening way.

 

If they won't play ball then post what they say here.

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Hardupnotfedup

Hardupnotfedup

Posted
  • Author
Posted

Thanks Seminole that is along the lines what I was thinking, but thanks for the tip about being less threatening:) I would have been a bull in a china shop to be honest. Are there any template letters available, I know it sounds lazy but I know the templates are better than anything I could construct.

 

Thanks again

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hardupnotfedup

Hardupnotfedup

Posted
  • Author
Posted

Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Seminole

Seminole

Posted
Posted
Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

 

You'd be surprised at how bad their record keeping can be, particularly if you've been with them for a while but I think your approach is the right one for the time being. If you start getting letters from a company called Newmans, that is Bcard's in house debt collector.

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diddydicky

diddydicky

Posted
Posted
Cerberusalert as the debt is still with BC I am sure they will have the necessary docs, and it might just get their backs up, I was going to do that if they pass it on to a DCA. I would be more than happy to continue paying as I have but can't afford to increase payment

 

i'll bet you a pound to a bucket of pigsh*t that they do NOt have a valid agreement- still if you want to play the white boy - trust me they will walk all over you

 

get that s78 request off now

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Hardupnotfedup

Hardupnotfedup

Posted
  • Author
Posted (edited)

Thanks guys, I will send off letter with my offer tomorrow and let you know the reply. If they mess me around then I will go down CCA route, I already have one account in dispute with another credit card as they sold on debt that I was paying without warning, anyway I want a paper trail if it does go to court.

Diddy they have been reasonable for 2 years plus so hopefully that will continue if not then the real fun will start.

Edited by Hardupnotfedup

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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florish

florish

Posted
Posted

I paid Barclaycard a token amount for a few years without any cobtact from them, then a couple of months ago they wrote to me saying I should be paying more.

 

I just wrote back saying that I'm going to continue paying the same amount as my circumstances haven't improved.

At the same time I enclosed a CCA request (along with £1 postal order).

 

Since then all I've received is a copy of their current t&c and they've apparently accepted me continuing to pay the token amount.

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diddydicky

diddydicky

Posted
Posted
I paid Barclaycard a token amount for a few years without any cobtact from them, then a couple of months ago they wrote to me saying I should be paying more.

 

I just wrote back saying that I'm going to continue paying the same amount as my circumstances haven't improved.

At the same time I enclosed a CCA request (along with £1 postal order).

 

Since then all I've received is a copy of their current t&c and they've apparently accepted me continuing to pay the token amount.

 

ill bet they have!! you are paying them for nothing i would imagine. they have not complied and sent you a true copy of an executed credit card agreement and they are in default of s78

 

 

you need to send the second letter from the template section

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