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    • Thanks both,   The only thing I am still not clear on is there were 4 DCA's that were reporting on my credit report and as I complained they have stopped BUT there is no default date on these debts. Can they start reporting these debts again on my credit report if I stop paying.   When I tried to re-mortgage a few years ago I was refused as these 4 were showing as in a DMP. Ofc they are not now as I told them it should have defaulted BUT they werent actually able to add the default date - so in theory could this happen again.   Thanks so much for your help
    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

iMoneyManager - free debt management software


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Ok, after swapping a few PM's with James, and as a sign of good faith, I will retract part of the above post.

The app is not ready to do what it claims, I still maintain that fact, but I see the potential, and I can see this ‘idea’ filling a ‘void’, but to present it as it is now still makes it dangerous.

I Suggest it is, for now, presented as a ‘work in progress’ which to be fair is what James has hinted at from the start, but it is not a solution yet, it still has a long way to go.

I am sorry this post is a bit vague, but what has been discussed is not for me to disclose, I hope you all respect my view here, what is said by PM needs both parties consent before it can be repeated on the open forum, but in the interest of openness and transparency, I have been working on a similar project, which is why I see this apps potential, but I also share the reservations of some of the other posts in this thread, which is one reason mine is still a project, and may stay that way.

There are still a lot of unanswered questions besides the usefulness of the app, I just hope they can be addressed too.

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Hi, On the subject of transparency and unanswered questions.................................................... And just to add, in my opinion, I do not believe there is a cat in hells chance of creditors signing up to this system.

Edited by Wintry
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Hi Wintry,

 

Stop the Worry ceased trading in 2008.

 

(All the answers to your questions can be found amongst our client’s testimonials. It might take a while to get through them though, there are quite a few.)

 

The experience gave us a lot of understanding of the problems people encounter when beginning to suffer financial hardship. iMoneyManager was developed to empower those that feel capable, to address their problems proactively and confidently. Our vision always has been to work out a way we could help people to help themselves free of charge, and now we’ve done it we’re pleased and proud of our work, and grateful to all the people who have believed in us and helped us along the way.

 

iMoneyManager is not the right solution for everyone struggling with debt, however our belief is that the best decisions are made from a position of knowledge.

 

Knowledge: information and skills acquired through experience or education.

 

We do not see the role of iMoneyManager as providing advice:

 

Advice: guidance or recommendations offered with regard to future action.

 

Our objective is to give people a tool that provides the user with knowledge of the state of their financial situation, knowledge regarding their ability to repay their debts, and knowledge regarding the decision of their creditors with regards to their best offer of repayment.

 

We believe that the majority of people are intelligent and self respecting enough to want to attempt to address their problem on their own. It is only if they cannot find the resolution they want, that they turn to someone for advice. (In exactly the same way as when I have an argument with my wife, I don’t immediately resort to ringing a marriage counsellor before attempting to resolve the problem with her directly. :) )

 

There are always going to be people that do not agree with what we are trying to achieve. People that believe debt problems are too complicated to handle without involving a debt professional. It is interesting though, that most people who believe this make their living by acting as an intermediary. That’s fine, everyone is entitled to their opinion, but the decision lies with the individual suffering, not those providing the service.

 

Do you think that iMoneyManager should not be available to people? If so, why?

 

We do welcome any constructive contributions or ideas, and this is a great forum to discuss these. If you continue to have ‘concerns’ or questions, then perhaps you would tell us in what capacity you are voicing them.

 

For example are you: Working for a fee charging debt management company? Do you work for a free money advice charity? Or maybe you are someone who has personal experience of being in debt?

 

Hi again James

 

Sorry to keep going on about unanswered questions and transparency, but I was wondering (with the stop the worry testimonials in mind) if you have any knowledge, opinions or views on the 2008 OFT statement / article below -

 

OFT warns consumers about misleading IVA mailings - The Office of Fair Trading

 

I heard some of these companies (or outfits if you like) were charging hundreds and perhaps thousands of pounds to fill in bankruptcy petitions after unsolicted mailshots resulting from accessing details from the Insolvency Service Public Register. Im not sure I would trust my details being given to any company that involved themselves in this sort of practice, but hey thats just my opinion.

 

Come on James, lets have some transparent answers, after all you did ask if there are any more questions (oh, and just to add, I forgot to say before, that I liked the one about the marriage counsellor :)

 

As you have already said - this is a great forum, so what I cant understand is - why now the apparent silence :)

Edited by Wintry
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We do welcome any constructive contributions or ideas, and this is a great forum to discuss these. If you continue to have ‘concerns’ or questions, then perhaps you would tell us in what capacity you are voicing them.

 

For example are you: Working for a fee charging debt management company? Do you work for a free money advice charity? Or maybe you are someone who has personal experience of being in debt?

 

 

James, as for what I do for a living, is this information a condition as to whether you will answer any questions or address any concerns? What if I was to claim that I am very experienced in debt, money, court and bankruptcy advice and that I have used numerous systems over the years, would that make a difference?

 

 

Dam, I know I should leave this be, but can not break the (bad:p) habit of a lifetime.

 

 

 

Come on James, let’s have some transparent answers.

 

 

I won’t use the obvious puns.

 

From your posts you seem very knowledgeable of matters regarding the intermediaries ‘handbook’, not conclusive, but could indicate you are in the debt advice sector.

 

But I can not ignore the possibility you are an authorised intermediary, or connected too a company that is an authorised competent authoritie, this causes me a slight problem, as that sector has both free and profit making firms in it.

There is also something else i can not ignore. As you know I know there is also another piece of software that costs the likes of CAB to use

 

http://www.pgcomputing.co.uk/

 

I can not ignore the similarities, even if James is no where near that stage yet, it could be seen as a threat.

 

So there are several avenues for a conflict of interest here, my concern is some of them are financial and nothing to to with the app or concern for debtors welfare

 

So while our concerns are the same Wintry, are our motives the same?

 

I hope you understand it’s a question i have to ask, even though the answer can in no way be verified, so is some what academic.

 

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Dam, I know I should leave this be, but can not break the (bad:p) habit of a lifetime.

 

 

 

 

 

I won’t use the obvious puns.

 

From your posts you seem very knowledgeable of matters regarding the intermediaries ‘handbook’, not conclusive, but could indicate you are in the debt advice sector.

 

But I can not ignore the possibility you are an authorised intermediary, or connected too a company that is an authorised competent authoritie, this causes me a slight problem, as that sector has both free and profit making firms in it.

There is also something else i can not ignore. As you know I know there is also another piece of software that costs the likes of CAB to use

 

http://www.pgcomputing.co.uk/

 

I can not ignore the similarities, even if James is no where near that stage yet, it could be seen as a threat.

 

So there are several avenues for a conflict of interest here, my concern is some of them are financial and nothing to to with the app or concern for debtors welfare

 

So while our concerns are the same Wintry, are our motives the same?

 

I hope you understand it’s a question i have to ask, even though the answer can in no way be verified, so is some what academic.

 

 

Hi blind as a bat

 

I think I know where you might be coming from and you make good points and ask fair questions - my answers and response are as follows -

 

There are no threats or conflicts of interest, financially or otherwise.

 

I think many CABs (maybe the majority even) use an alternative system to the one you have posted.

 

And there is already two large creditor backed organisations that administer Debt Management Plans free who distribute payments. And I would think it would not be to difficult to adapt if you like (IMO).

 

With regard to debtors etc, do you not think the issues I have raised and the questions I have asked are fair and legitimate and if so why do you think they remain relatively unanswered / addressed ?

Edited by Wintry
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With all due respect (and as we seem to have a mutual acquaintance, I do mean that) no you missed where I was coming from entirely.

The only line in my post that was important was the last one.

I can post anything I like, and it can not be verified, the same can be said of anyone posting on any forum.

So whether your question is valid, or not, is academic, as the answer is irrelevant without any form of confirmation.

I trust you see the logic in that statement?

But that said, I do agree with you concerns to a point, but I have the luxury of seeing this from a desperate stressed out debtor, and to be honest, the 'no contact' part of all this is the bit I am interested in, that bit James HAS got right, whether you, or any other debt advice company or organisation likes it, is irrelevant, it does not change the fact that is the biggest problem when a debtor is seeking advice.

I doubt you will agree, but you will just have to take my word for it, because it IS correct, that is the bit all those that offer help, free or not, don’t understand, because most have not been there.

The one exception is CCCS who are the only one that ‘seem’ to have identified the problem and addressed it, with the online debt remedy, the result from which, I have been reliably informed, is enough to reply honestly and truly, ‘yes’ when presenting a BR petition in court, when you are asked ‘have you sought professional advice?’ without speaking to anyone. So legaly, it must be good enough.

But as I said in a previous post, I am not sure it’s a barrier that can be got round safely myself, I can also rip the CCCS calc apart if I wanted too, its far from perfect, but it’s the closest I have seen to a solution for the problem to date.

I also disagree the answers to your questions are not in that ‘blog’, the specific answers to your questions regarding figures are not, but may I ask would you post how much you charged for a service on an open forum if asked?

And if you did, would the answer be true, or answer what you thought they wanted to hear?

The answers to his intentions are there, its a question if you belive them or not that is an issue

which brings me to the point, even if you or james did answer truthfully, there would always be a poster, like me or you that questioned the truthfulness of that reply.

Such is the beast that we are posting on.

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With all due respect (and as we seem to have a mutual acquaintance, I do mean that) no you missed where I was coming from entirely.

 

The only line in my post that was important was the last one.

 

I can post anything I like, and it can not be verified, the same can be said of anyone posting on any forum.

 

So whether your question is valid, or not, is academic, as the answer is irrelevant without any form of confirmation.

 

I trust you see the logic in that statement?

 

But that said, I do agree with you concerns to a point, but I have the luxury of seeing this from a desperate stressed out debtor, and to be honest, the 'no contact' part of all this is the bit I am interested in, that bit James HAS got right, whether you, or any other debt advice company or organisation likes it, is irrelevant, it does not change the fact that is the biggest problem when a debtor is seeking advice.

 

I doubt you will agree, but you will just have to take my word for it, because it IS correct, that is the bit all those that offer help, free or not, don’t understand, because most have not been there.

 

The one exception is CCCS who are the only one that ‘seem’ to have identified the problem and addressed it, with the online debt remedy, the result from which, I have been reliably informed, is enough to reply honestly and truly, ‘yes’ when presenting a BR petition in court, when you are asked ‘have you sought professional advice?’ without speaking to anyone. So legaly, it must be good enough.

 

But as I said in a previous post, I am not sure it’s a barrier that can be got round safely myself, I can also rip the CCCS calc apart if I wanted too, its far from perfect, but it’s the closest I have seen to a solution for the problem to date.

 

 

 

I also disagree the answers to your questions are not in that ‘blog’, the specific answers to your questions regarding figures are not, but may I ask would you post how much you charged for a service on an open forum if asked?

 

And if you did, would the answer be true, or answer what you thought they wanted to hear?

 

The answers to his intentions are there, its a question if you belive them or not that is an issue

 

which brings me to the point, even if you or james did answer truthfully, there would always be a poster, like me or you that questioned the truthfulness of that reply.

 

Such is the beast that we are posting on.

 

Hello again blind as a bat

 

Thank you for your reply

 

Interesting and somewhat lengthy post indeed and you are entitled to your opinions and views just like everyone else, and I take your points.

 

However, lets not forget, these are just your:) answers, 'assumptions', opinions and views and just like you, others may not agree with everything you say or may think, and I for one certainly dont.

 

I stand by my previous posts and perhaps James would like to break his apparent silence and give us some transparent answers to the questions and points already asked and raised in my previous posts, I think its only fair to give him a chance, dont you ? :)

 

I have a few more questions, but I think I will wait on the above first.

 

 

 

PS - blind as a bat - can you remember these earlier paragraphs and one liner of yours below...........?

 

"This app IS dangerous, and pointless, as it does not contain the safeguards needed to give it credibility nor protect the user."

 

"Bank fodder, if this is of no benefit to the site financially, pull it now, even if it is, I would strongly urge you to pull it anyway, before it undermines the sites reputation."

 

I expect this post to disappear, but don’t say you where not warned.

 

Such is the beast that we are posting on.

 

 

And please forgive me blind as a bat, Ive only just noticed.... but this question is a killer -

 

' but may I ask would you post how much you charged for a service on an open forum if asked?

 

And this one.........

 

And if you did, would the answer be true, or answer what you thought they wanted to hear?

 

.....well, Im still on the floor :)

Edited by Wintry
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Hello again blind as a bat

 

Thank you for your reply

 

Interesting and somewhat lengthy post indeed and you are entitled to your opinions and views just like everyone else, and I take your points.

 

However, lets not forget, these are just your:) answers, 'assumptions', opinions and views and just like you, others may not agree with everything you say or may think, and I for one certainly dont.

 

I stand by my previous posts and perhaps James would like to break his apparent silence and give us some transparent answers to the questions and points already asked and raised in my previous posts, I think its only fair to give him a chance, dont you ? :)

 

I have a few more questions, but I think I will wait on the above first.

 

 

 

PS - blind as a bat - can you remember these earlier paragraphs and one liner of yours below...........?

 

"This app IS dangerous, and pointless, as it does not contain the safeguards needed to give it credibility nor protect the user."

 

"Bank fodder, if this is of no benefit to the site financially, pull it now, even if it is, I would strongly urge you to pull it anyway, before it undermines the sites reputation."

 

I expect this post to disappear, but don’t say you where not warned.

 

Such is the beast that we are posting on.

 

 

And please forgive me blind as a bat, Ive only just noticed.... but this question is a killer -

 

' but may I ask would you post how much you charged for a service on an open forum if asked?

 

And this one.........

 

And if you did, would the answer be true, or answer what you thought they wanted to hear?

 

.....well, Im still on the floor :)

 

James ??

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  • 9 months later...

FREE! FREE! not any more. I just paid almost £40 for this software which offers no more than the demo plus "guides" that you can find on this site for FREE!!!!! Sorry, but yet another exploitation of vulnerable people. Almost £40 I spent on this software which pretty much promised to help me - well I'm bloody sorry for being so angry, but that is £40 that I could have put to something else.

 

People behind IMM, be ashamed, very ashamed, nice marketing and all, but your end product is clearly just to make YOU money and not help people in debt!

 

DISGUSTED AND £40 DOWN

 

Joey

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We've agreed to help distribute this software. It is free and we don't make any money from it.

 

The idea is that you take control of your own debt problems and make your own proposals to your creditors.

 

The idea is to cut out the debt management companies, who take quite a hefty cut meaning that both you and your creditors lose out.

 

Using a DIY system like this could mean that you will clear your debts more quickly as all of your money is channeled through to the creditors.

 

Of course the creditors will be suspicious of it and it may take some pushing to get them to accept it initially.

 

I can tell you also that the Debt Management Companies are not at all pleased about this software and there have been some attempts by the Debt Management industry to obstruct its introduction.

 

Please let us know what you think about it. We will pass on any comments to iMoneyManager so that they can adapt and refine the software.

 

In the end if it turns out that it is no good then we will stop distributing it.

 

But it looks good to us and some of our site team who have very specialist debt management experience are very impressed.

 

You can download it here

 

Apparently this is not free and the link no longer works. Does anyone know of a similar program that is free? I am not in a position to pay money for software. Is CCS or CAB the best options for those who cant afford to pay?

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

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On reflection my previou post may have been a little strong. I personally didn't get anything from this software, but maybe it will benefit others. I just think the price is a little steep for what you get. I have spoken with James who is responsible for this software and I genuinely believe he was trying to make a difference and I understand his reasons for eventually charging for it and it was not marketed to deceive people so I apologise to James if I caused any offense or negativity.

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