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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Beware of sneaky DCA tactics at Christmas!


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I posted this last December, but I think it's worth a reminder to anyone who thinks they may have legal action against them imminent. We've seen a marked increase in the number of dirty tactics employed by DCAs this year, and apart from the 'generous' Christmas discounts offered by many DCAs, I think there are possibly more sinister techniques afoot.

 

Debt buyers like CL Finance/Cohens, for example, have issued thousands of claims without a letter before action during 2009 - so it's best to be on your toes.

 

Here's a resumé of my tip, learned from personal experience...

 

I think it's possible that certain DCAs/debt purchasers are likely to try and catch a few people out this month by using the delays caused by the Christmas post.

 

Around about the 18th or 21st of December they will issue N1 Claim Forms through Northampton and hope you've either gone away for Christmas, and/or miss the response deadline due to the seasonal activity, thereby getting a CCJ by default.

 

I half expected this to happen with a particularly sneaky outfit (Hello Mr T!) a couple of years ago at Christmas while I was away and, sure enough, on my return, on the doormat, with just two days left to respond was... you guessed it. The N1. So be aware and have a stress-free Christmas.

 

I'd encourage Caggers to post any other sneaky seasonal techniques they've come across here - such as nasty letters posing as Christmas cards with 'handwritten' addresses and coloured envelopes.

 

Don't wish to sound alarmist, but forewarned is forearmed. Wishing you all some sensational seasonal DCA bashing. Pass me the nutcrackers.

 

DonkeyB

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Nice post DonkeyB, if I can add my xmas tricks to watch out for:

 

They will try and spoil your xmas, so look out for the phone calls, right up to Xmas eve,so if you dont recognise the number then it can wait until after the holidays.

 

The parcel trick, we have a parcel for you, please call us, you know the one.

 

Even the county court judges have a break:

Christmas and New Year closures for HMCS courts and offices 2009

Thursday 24 December 2009

Friday 25 December 2009

Monday 28 December 2009

Friday 1 January 2010

 

So as DonkeyB states be forearmed, relax and have a good christmas all, remember, you worry and battle for 51 weeks a year with the DCAs, so relax and have a week away from the stress the worry, and enjoy your seasonal break..;)

"Always ask for a CCA, Simples".

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with plenty of glitter inside so it spills across their keyboards:D

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Maybe send a box of doughnuts?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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with plenty of white stuff disguised as sugar:D

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Every year around this time I seem to get threatomatics from the usual suspects. I suppose they send them to F*** up your Christmas with worry. The Leeds losers are so stupid that I even received one dated 25th December. Now I know things are bad in the Threat Centres but even the DCA Threat Monkeys get Christmas Day off.

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Bumping all the way

to Christmas Day

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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:D :D:D

Aaagh! You just caused a coffee/keyboard moment!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Letter? Oh yes, we definitely sent it! Must be lost in the post! Like a Bryan Carter claim form...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I Have just got a sneaky one from Global Dept Recovery. Your name is registered as non-paying of a record dept. To clear your address now telephone us on above telephone number, and return the completed direct debit below to Global. It is our intention to issue proceedings within 10 days of the date of this letter. Its dated 16th December, So they must be working boxing day, Bless them. Is this any concern or is it just a bluff on their parts, Considering they have not established yet its my dept.

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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I Have just got a sneaky one from Global Dept Recovery. Your name is registered as non-paying of a record dept. To clear your address now telephone us on above telephone number, and return the completed direct debit below to Global. It is our intention to issue proceedings within 10 days of the date of this letter. Its dated 16th December, So they must be working boxing day, Bless them. Is this any concern or is it just a bluff on their parts, Considering they have not established yet its my dept.

 

 

Standard threatogram bluff and bluster. Ignore them until they give you some idea of what the alleged debt is for.

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Standard threatogram bluff and bluster. Ignore them until they give you some idea of what the alleged debt is for.

 

They do not say to whom I owe the money too, But they do give amount as £235.20

Of course prostitutes have baby's, Where do you think DCA staff come from...............

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Bumpity bump

DCAs will get the hump

Cos we're wise to the way

They try and get a CCJ

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Bumping

 

I bet the sneaky little gits are just filing a few hundred claims online as I type...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Yes the Christmas bug [humbug, that is] seems to have spread. Had a letter from Debt Clear the other and today we've had a call from DG and a letter from BOS.

 

I think our Christmas will be happier than theirs.:)

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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I rather miss all the Xmas post 'cos I don't get many cards being one who doesn't send them :p

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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