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    • Ahh, discussion thread. Thank whoever. Forgotten what the points were  now, I will read and get back later.
    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
    • said that many times already.   time to move on me thinks   dx
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olliepup

Rocket Marketing (Buying the Brickie off tv)

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Hi all!

 

Im posting this question for my parents as i think they have been thoroughly ripped off!

 

My parents were sat watching tv when this advert came on for this Brickie thing that Tommy Walsh advertises and for some reason my parents decide to phone the number and buy one of these things....they are 75 and highly unlikely to be building any walls!

 

The thing was 39 quid, so he's on the phone and orders it, he is abit hard of hearing so he prob couldn't hear what they were saying.

 

Anyway this crappy thing shows up, then they get a ticket delivered to say there is a letter to collect from the post office.

 

As they weren't well they didn't collect it for a few days and when they did it was a 'Savings Pack' from Rocket marketing which i pressume the company that sold the brickie or same company had used my parents details and Card details to open up this savings account for all the special savings they could make.

 

In the letter it said you have 30 days to say if you do not want this savings offer or we will charge you 99 quid!

 

My dad doesnt read to well and my mum didn't bother to read it properly as she hadn't agreed to anything or thought she had signed up to anything so ignored it until the bank statement came through.

 

They had taken 99 quid from there account plus 1.99 for postage for a letter they did not request.

 

They rang them up complaining and basically got fobbed off saying you agreed and set up a pass word which was my dads date of birth.

 

After reading the small print it said you have 61 days to decline and you will be charged 5 quid admin but get back 94 quid they have taken.

 

So we rang them and it was 61 days from the date of the letter not when they recieved it and as they didn't pick it up from post office straight away and they have missed this 61 day thing as they have only recieved the bank statement and realised the money had been taken.

 

They said they will listen to there recorded phone calls and they said it appears to have been a hickup during that phone call and said they will investigate.....they will be intouch...prob sometime never i bet.

 

So can they legally just send you something and then say you now have this and we will take x money if you don't get intouch then take the money off someones swith card?

 

They didn't sign up to anything and only thought they ordered this rubbish item.

 

Is there anyone with advice on how to proceed on this or a letter we can send for robbing pensioners?

 

In the mean time i've told them to stay off phones purchasing things off the tv!

 

Cheers Olliepup.

Edited by olliepup

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oh i feel a complaint coming on:

 

Tommy Walsh - Official TV Agent - Arlington Enterprises

 

how about watchdog too!

 

oh and get that switch card cancelled!

 

i would also whilst on the phone to them initiate a chargeback on the card

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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This sounds to me very much like unfair trading. I suggest that you make a complaint to the OFT under CPUT and also inform your Trading Standards office immediately.

 

I expect that 100s of other people have been targetted in this way as well.

 

I wonder whether Tommy Walsh knows about this tactic or whether they are simply taking advantage of his good name.


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I've sent the link to this thread to a contact at the BBC.

 

We'll see.

 

However, make all the complaints which have been suggested


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Cheers for the feed back!

 

Is it worth writing to them to inform them of what i intend to do?

 

Robbing OAP's is not good, i'll contact my local Trading Standards Monday.

 

Hopefully get the money back for my parents.

 

Thanks for sending the link, more people that know the better.

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no i think this will be big news

deserve all they get

if you tip them off

if they plant an insider etc it will blow it.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ive sent an email for starters to Tommys people through your link explaining the situation and thought it was very underhand and fraudulent to take money by deception and the company that did so associates itself with Tommy and his product endorsment.

 

All we want is our money back, but i'll still go ahead and inform all parties ie OFT and TS which i also mentioned in my email.

 

See if i get a reply.....

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FYI

Rocket Marketing are still doing exactly the same shady practices eight years later.

My father has just fallen victim and his bank is not being particularly helpful,

regarding the charge back.

Has anyone else found a purchase remiting £90 odd to Rocket Marketing on their card or bank statement, for a useless catalogue of unwanted and unasked for discounts.

If so, I would love to hear if you were able to secure a refund and how.

Cheers

Mike :)

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the bank must do a chargeback.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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