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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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Reminder Notice of assignment


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Barclaycard? Owned by HFO Services?

 

Time to check the accuracy of those figures. I smell cock-ups.

 

That HFO letter is hilarious and full of tosh. And Jane Parker's Signature is remarkably similar to Maureen Cooke's, eh, VJ?

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The insurances do not have their own set of prescribed terms. (Multiple agreement)

 

There apears to be an issue with the interst rate to. they state a monthly rate of 3% but at 62.3% APR it works out as a monthly rate of 4.11%. Unless they have added the acceptance fee before calculation interest in which case the APR would be 42.6% with a monthly rate of 3%.

 

Has an SAR been sent to Welcome? would help to get hold of a copy of the statement of price to find out what they have done.

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Confused - easy, I know. What has Barclaycard to do with Welcome? This came from HFO in the same envelope?

 

 

No idea about the Barclaycard thingy however yes this all came out of the same envelope!

CCA sent Crapquest ran away...

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The insurances do not have their own set of prescribed terms. (Multiple agreement)

 

There apears to be an issue with the interst rate to. they state a monthly rate of 3% but at 62.3% APR it works out as a monthly rate of 4.11%. Unless they have added the acceptance fee before calculation interest in which case the APR would be 42.6% with a monthly rate of 3%.

 

Has an SAR been sent to Welcome? would help to get hold of a copy of the statement of price to find out what they have done.

 

 

The statements are early in this thread! However I have requested 3! copies of SAR from Welcome so far and as of yet not had a completed one.

CCA sent Crapquest ran away...

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The statements are early in this thread! However I have requested 3! copies of SAR from Welcome so far and as of yet not had a completed one.

 

Those you have uploaded are the actual statements.

 

Have you received anything from welcome called a "statement of price"? It should be one, maybe two, sheets of paper, and give a breakdown of the repayments for the loan, any insurances and the acceptance fee.

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Have just been through the thread so sorry if i missed it - but could not find a copy of the Notice of Assignment.

 

What date did they say the account was sold to them - and have they sent you a copy of the NOA from Welcome?

 

 

I have never had a notice of assignment both Welcome or HFO have been able to provide date of debt bought or sold!

CCA sent Crapquest ran away...

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Those you have uploaded are the actual statements.

 

Have you received anything from welcome called a "statement of price"? It should be one, maybe two, sheets of paper, and give a breakdown of the repayments for the loan, any insurances and the acceptance fee.

 

 

is this it?

http://i855.photobucket.com/albums/ab114/niteman33/scan0006.jpg

CCA sent Crapquest ran away...

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