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    • Sorry the picture is not clear re boundary. Is it just the asphalt of a few inches before the white cable or the whole asphalt shown in the picture ?
    • These dates stated are within last 6 years. So what is the challenge here. Are the dates/amounts wrong ?   "for the period 01/04/2014 to 08/07/2015. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year  from 08/07/2015 to 11/06/2019 on £304 and also interest at the same rate up to the date of the judgment or earlier payment at a daily rate of £0.21"
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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
Chalkitup

Chalkitup v Egg Credit Card

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Hello All,

Starting a separate thread for my dealings regarding Egg Credit Card.....

 

Background is:

2006 - Ran into financial difficulties - started Debt Managment Plan with CCCS - Paid monthly way over what I could really afford as was scared by all the threats etc that I received from creditors / DCAlink3.gif's.

2007 - Found CAGlink31.gif - started CCA requests to a few "difficult" creditors

 

2007 to Feb 2010 - got some creditors removed from my CCCS dmplink3.gif because they did not comply to CCA requests

 

Feb 2010 - Big bust up with CCCS (separate thread) as they refused to remove creditors from dmplink3.gif anymore even if they sent nothing in response to CCA request - I went through annual CCCS review and as it happens I did not have enough cash left over each month to pay creditors even £5 each (CCCS told me the minimum they allow) - CCCS stopped my DMP and advised I offer £1 a month to each creditor and see if I can manage on that!!

 

Now dealing with "lots" of original creditors and DCA's with CAG help.

 

2006 - received Egg DN .......... followed by termination letter

 

Paid Egg in DMP till Feb 2010

 

May 2010 - Direct Legal & Collections phone .... they now have account .... they email / text / phone

No NOA or anything received ...... DLC send letter saying pay full amount (£10,000+) immediately

 

May 2010 - send CCA request to DLC which they immediately return saying I have to send to Egg not DLC!!! More computer letters from them plus a Notice of Debt Recovery which resembles a court document and hence I will be making a complaint about to the relevent authority.

 

June 2010 ..... sent them letter pointing out account in dispute as not responded to CCA request and a complaint re them sending back my postal order and CCA request

 

Today .... had letter back from DLC .... They kindly wrote :lol:.... "We disagree that we have not replied to your correspondence and can only reiterate as per our clients procedures" (Forget the CCA 1974 then!!!) .... and added "To resolve the matter swiftly we have referred your request to our client (Egg) and once we receive a response we will update you". Plonkers ..... Why not just do that in the first place as they are meant to!!!!

I also asked them to remove my telephone numbers from their systems ..... their reply ...... "We currently do not hold any telephone numbers on our system for your account" ....... Awfully clever then how their staff just happen to guess what my BT and mobile numbers are when they phone and text me ..... those would be the same phone callslink3.gif that I have recorded!!!

Perhaps their staff should audition for Britains Got Talent as mind readers.

 

I will update on receipt of CCA response

 

Onwards and Upwards

 

Chalkitup

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All the best dude. Subbing to your thread as I'm in similar.


Mozzone

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Taking on the bloodsuckers

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Hello Mozz1 and welcome aboard,

 

Onwards and Upwards

 

Chalkitup

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Chalk, my thread on Egg is very similar to your problem. My DCA is CrapQuest but they have said exactly the same things.

 

Get an update of your credit reference report to check they haven't put a belated DN on or similar.

 

I had a CCCS DMP at one point too. When I joined it a shed load of creditors auto defaulted me because of the low repayments. So I'm no fan of the CCCS either, although it did help very short term during the initial cash flow crisis.


Mozzone

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Taking on the bloodsuckers

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Update

 

For the last two weeks been receiving lots of calls on home and mobile phones from Fredrickson International ......... I would not answer security questions so did not know which account they were collecting.

 

Today received letter from them and surprise ..... they have been given this Egg account to collect!!!

 

Obviously DLC have given up and Egg have passed account to Fredrickson.

 

However I have had absolutely no response to my CCA request sent to DLC on 20/05/10 .... but I do have a letter from them saying "To resolve the matter (CCA) swiftly we have referred your request to our client (Egg) and once we receive a response we will update you".

 

Hence will I be correct in sending a letter to Fredrickson pointing out account in dispute because no CCA response received from DCA / Egg who were dealing with the matter.

 

Other views invited.

 

Onwards and Upwards

 

Chalkitup

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Hi

 

Personally, I would ignore them; they deliberately pass things around and obfuscate.

 

it's not your job to help them unravel their yogurt spinning and fog weaving.

 

regards

 

vic

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Be aware that their incompetent and embarassing right hand man is the infamous Bryan 'Bloody' Carter, so expect to get his letters shortly, although he is very very easily put back in his box, and if he is still foolish enough to turn up on the scene, you could do quite well out of counter suing the fool for damages.

Complaints all round here methinks, OFT/TS/ & your local MP for starters....lets get this new Govt making some decent changes, unlike Gordon Clown and his corrupt bunch!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello Bazooka Boo ......

 

Fredricksons gave up on another account of mine that was passed to them whilst in dispute ........ so I will follow your advice now on this account and start some complaints.

 

Onwards and Upwards

 

Chalkitup

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It certainly won't hurt to be pro-active in this..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Update

 

For the last two weeks been receiving lots of calls on home and mobile phones from Fredrickson International ......... I would not answer security questions so did not know which account they were collecting.

 

Today received letter from them and surprise ..... they have been given this Egg account to collect!!!

 

Obviously DLC have given up and Egg have passed account to Fredrickson.

 

However I have had absolutely no response to my CCA request sent to DLC on 20/05/10 .... but I do have a letter from them saying "To resolve the matter (CCA) swiftly we have referred your request to our client (Egg) and once we receive a response we will update you".

 

Hence will I be correct in sending a letter to Fredrickson pointing out account in dispute because no CCA response received from DCA / Egg who were dealing with the matter.

 

Other views invited.

 

Onwards and Upwards

 

Chalkitup

 

hey! chalk! I got a letter from frederickson inter'l yesterday. demanding full o/s. first letetr i've had from a dca since capquest threw the towel in a coupla months back. freddies say they have written "numerous" times chasing me but this was defo their first letter. my account is in dispute and the fos are looking into it so i'm gonna tell freddies's to fox trot oscar.


Mozzone

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Taking on the bloodsuckers

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Chalk, I wrote to Frederickson telling them the account is in dispute and copying them in on my letters to egg about the dispute. I warned freddo's that any attempt to contact me while the account is in dispute is a breach of the OFT guidance 2003 and further that i would report them to the police. cc my letetr to the fos and to egg with a threat-o-gram of my own, making the point that para 2(k) (from memory) of the OFT Guidance 2003 states that a creditor is liable for the unalwful actions of his agents.


Mozzone

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Taking on the bloodsuckers

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ps if you want the CCA you need to write to egg for it. the january 2010 OFT Guidelines state that debtors should be expected to contact the OCs and not DCAs for the their credot agreements. seems the OFT are caving in to pressure from the finance houses and s75 of the CCA 1974 is unclear anyway imho


Mozzone

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Taking on the bloodsuckers

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Be aware that their incompetent and embarassing right hand man is the infamous Bryan 'Bloody' Carter, so expect to get his letters shortly, although he is very very easily put back in his box, and if he is still foolish enough to turn up on the scene, you could do quite well out of counter suing the fool for damages.

Complaints all round here methinks, OFT/TS/ & your local MP for starters....lets get this new Govt making some decent changes, unlike Gordon Clown and his corrupt bunch!

 

who's brian carter? a law firm?


Mozzone

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Taking on the bloodsuckers

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who's brian carter? a law firm?

 

Supposedly lol. Usually quite easy to swat away. Lowest of the low and generally banks on winning by default.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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ok, so if this brian carter bloke starts writing to chalk, presumably letters before action threato-grams etc, what response should he give them?

Edited by The Debt Star

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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See you in court BC...:boxing:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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and what if he doesn't want to see him in court? there must be a way to get this monkey off his back without that stress and grief?


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Going to court with BC is not stressful, as when you tell him to put up or shut up, he scurries back under his rock, he only gets CCJ's by default, and even then he will split his claim, taking the fight to him is the only method to use.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello All,

 

Mozz1 ..... yes I realise that now we write to OC for CCA request BUT I have a letter from DLC dated three days before the first Fredrickson International telephone call to me (hence at that point I had not even received the DLC letter!!) saying they have referred my CCA request to Egg and will be in touch with me when they have a response PLUS they have my £1 Postal Order!!!!!! So I am blowed if I am going to pay again or start sending a new CCA request.

 

Today I have received a letter from Fredrickson International and it is headed LETTER BEFORE ACTION therefore according to another CAG thread (http://www.consumeractiongroup.co.uk/forum/showthread.php?173201-why-you-shouldnt-use-section-77-78-CCA-1974-if-you-want-the-signed-agreement/page39 post 2320) they have shot themselves in the foot because that heading means exactly what it says so I will write a letter to them along the lines of the one mentioned in other thread by diddydicky re no correspondence unless service of papers. I will also explain that account in dispute regarding no response to CCA request of course.

 

Onwards and Upwards

 

Chalkitup

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Update ....

 

I sent letter to Fredrickson International explaining account in dispute with Egg as they have not responded to my CCA request. Also added that as Fredrickson International have now sent me a letter headed Letter Before Action that this account is now sub judice and I will commence a complaint with OFT if Fred Int contact me for any other reason than service of papers or reply to my current letter.

 

Their reply is:-

We have closed our file and returned account to client.

 

Onwards and Upwards

 

Chalkitup

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good one Chalk!!! I got a yellow card stating that I am "CONFIRMED RESIDENT." Good of them, eh?

 

I wonder what the difference has been? I sent the sub-judice letter as well but they don't seem to be reading my letters...


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Their reply is:-

We have closed our file and returned account to client.

 

Thats because they are really French....:yield: Fanny's.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Heads up: fred's have given me the kiss-off now as well! The sub-judice letter on here did the trick.

I think the saying is that FredPricksons are cheese eating surrender monkeys?


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Nice one Debt Star,

 

Another DCA bites the dust ............. but more will follow!!!!!

 

Onwards and Upwards

 

Chalkitup

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indeed, the battle of Britain is far from over!


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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