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    • Received paperwork now from them prior to 30th deadline. is it worth uploading here or just send my 181 back with the draft directions from my side? 
    • Ah ok, thanks Andy. As of yet i have heard nothing from the court since i received the N180 from lowells.
    • you NEVER offer PS it opens you up to 6more yrs of harassment as you've ack'd the debt and they'll sell the rest on.   just do the CCA..   its probably very close to SB so they leave things late to get the most interest out of you. if they issue a backdoor CCJ.
    • I have received planning permission to do a loft & kitchen extension.   I have a terraced house.   Re the party wall agreed surveyor, my neighbour to the right is ok to a ‘agreed surveyor’ being appointed by me. However after I received planning permission late in 2018, my neighbour to the left instructed a surveyor.  I spoke to this neighbour last weekend explaining that i am now in a position to hopefully commence the work but that a party wall award needs to be secured. I inquired from them if we can agree an impartial surveyor preferably of my choosing, since i will be paying the fee. The wife said they'd speak to their surveyor, whilst her husband seemed hesitant.   I have now received the attached letter from their surveyor.  His remarks such as '‘after some delay' (surely it is for me to determine when i being any building work on my property having consideration of a myriad of matters), gives me pause as to his impartiality, at that he is not just money chasing.   Is a surveyor permitted to make an approach to a property owner,  re offering to be appointed as the agreed surveyor, in advance of the party wall notices being issued to the relevant neighbour?   I do not trust the impartiality of indeed integrity of this surveyor.   Both my neighbours, already have both a loft & kitchen extended kitchen, so i just don't understand why this neighbour, is seemingly trying to make this process as protracted and even more expensive as possible.   How can i convince them to use my surveyor as the agreed surveyor, short of threats of me not being cooperative of any work they may wish to undertake.   Tnanks   scan0048.pdf
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies

resolvecall came today - OH's Tesco Credit Card

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long story short,



am fighting on behalf of/with my partner with RBS over tesco visa card.



All the usual, CCA request, account in dispute letters etc. all ignored as usual.



Got letter from regal about 10 days ago,

we've spoken to our "client" they believe they can enforce the unsigned agreement,

they believe you are trying to wriggle out of your obligations etc.

contact us immediately to pay up or we'll send someone to discuss it.



Of course I didn't believe them - who does?



got home from work today to find that someone from resolvecall had actually been round.



ba$tards. they got the "take note I revoke ..........." letter about 4 weeks ago after their first contact and have just totally ignored it.



I must admit the red mist came down and I called the number on the card,

got through to the blokes voicemail and left him a message telling him in no uncertain terms

that his company have been informed in writing that they can only call if they have an appointment,

that we have no desire to make an appointment and that if he calls again I will call the police.



I've complained through consumer direct, but what next?



I'm considering going to my local nick and telling them that we are being harassed by this person,

they've been explicitly told in writing not to come but did anyway,

and that we are expecting them again but don't know exactly when.


On an aside, my partner is 7 months pregnant and all this is giving her undue stress,

after having previously lost 3 babies over the last 5 years I'm concerned as to the effect this is indirectly having on our unborn


can anybody help?

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i know it sounds worrying but if you put it in perspective..it is only some idiot knocking your door...you dont have to let him in..he has no rights at all...he cannot enforce entry...take your stuff...you can simply tell him to bog off....all you have to remember is....he is nothing he can do nothing...

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debt4get is totally right dont entertain the idiot he,s just a self employed collecter nothin more make sure all doors are kept locked, iff he comes again and you are in i would call the police and tell them there is an intruder snooping around your property, i know what its like to be bullied by post and that is bad enough but in person that is digusting.


Good luck.

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He's a doorstep collector. So tell him to take the doorstep and p&ss off.:D

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they've been warned in writing not to come - what would happen if my "large dog" got out? theoretically?

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that is their problem..you have told them not too attend...though i wouldnt put yourself in the position where you yourself could be arrested....dont worry bout the muppets they can do sod all

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Quite right. You need a stress-free zone at the moment. They can't do anything, they have no powers. If they call again, just calmly say to them "in writing please" and close the door. If you've got a large dog, you might like to let them see it and it would be helpful if the dog could let out a timely growl, but I wouldn't advise letting it loose, tempting though it undoubtedly is.





Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.


Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.


I am not European, I am English.

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The poor dog would get rat poisoning.:-(

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He's a doorstep collector. So tell him to take the doorstep and p&ss off.:D



Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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i've got the mobile number of the scab that called today, i'm now going to scour the net for a dubious "contact website" and post it up on there, it's time to "get bobby brown on his a$$" (2 can play that game)


anyone know any really good (bad!) sites to go to?

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You can always print out a copy of the 'Revoke Licence to visit' and if anyone turns up just hand it to them and say go away. I had someone turn up one day and did that and he went away without a word.

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Application / Licence Details

Licence Number:0624784Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Resolvecall Limited 325327



Debt collecting

Provision of credit information services, excluding credit repair


Right To Canvass Off Trade Premises:No

Issued Date: 16-Sep-2009 Date Maintenance Payment Due: 15-Sep-2014

Legal Formation:

Body Corporate (incorporated inside UK)


Current Individuals that run the organisation:

Name Position

Alistor David Smith

Brenda Stevenson

David Steveson

Everlyn Isabella Turner

Phillip Richard Inwllis


Current Address(es):

Address Type Address

Principal Place Of Business Spectrum Building 3rd Floor, 55, Blythswood Street, GLASGOW, G2 7AT

Registered Office Spectrum Building 3rd Floor, 55, Blythswood Street, GLASGOW, G2 7AT, United Kingdom"


Methinks they are part of: Scotcall.


Intelligence Technology: IDIOTS!

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Hi ,one thing to remember is that most doorstep collectors are either commission only or small basic and also commission, they soon give up wasting their time and fuel on someone who refuses to deal with them.


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