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    • Not quite sure what you are trying to say but anyway please could you avoid posting solid blocks of text because it is extremely difficult for people to follow – especially if they are using small screen such as telephones. I have restructured your post above. Properly spaced and punctuated please. Thanks
    • I have received an email from town and country on behalf of everday loans. I assume I don’t reply to the email?   Any advice appreciated 
    • Hello, my name is Chris and aswell as saying hello, am checking my posts pop out nicely.  I have  an ongoing problem with British Gas(which shouldn't have become a problem at all), which has cannonballed into recently involving the Energy Ombudsman, Ofgem and I even, hasten to add our government because I am at wit's end. I have a couple of questions. What I write is likely to be mammoth size, I really would like to indicate why I am at wit's end, and as far as I am concerned (conjecture and opinion) its an indication of the inadequacy of our country's system that since and including John Major has been deliberately brought in to be such. Anyway hello and my 2 questions are ' Can I post photos and if so how, are there any instructions?'  and secondly,  ' To what extent can I mention names in what I post, first names only, second names? only, both allowed where known? quoting or gist acceptable, do I need to even though its case and should be anyway, state it's a truthful and honest account?'  It's been ongoing for over a year now on something which I am guessing should get sorted in maybe a month for most people, and I would actually like to go into fuller details than I've even said to them because I feel its important you know that I HAVE been significantly hindered and am living under that still as I speak/type.  
    • Well, Have we all got our piccy id ready to start taking out the Tories err Trash in the locals?
    • Thank you, I’m wary about calling ask know bullying tactics wilL start. I’m happy to write to them.  I will see what happens when we visit the garage. 
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Where do i stand with my claim?


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as the loan is still running you can only reclaim on those payments MADE. from the date you made each one.

 

ppi pcm will be 2998.44/180=16.66

 

so principal is 16.66

8% int

compound monthly.

 

do that for each date you paid them.

 

i think that agreement is flawed

 

you need to ping postggj something is not right with it i think but i'm too tired to spot it.

 

dx

dx, are you able to help on my agreement? I didn't hear back from postggj :-(

 

Thanks

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was on yesterday

send a pm

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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was on yesterday

send a pm

 

dx

Thanks dx, i have sent a couple of pms with details he asked me for, hopefully he will come back to me at some point.

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  • 3 months later...

did you send the letter as advised in post 48?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

did you send the letter as advised in post 48?

 

dx

 

Thanks dx for responding, yes i did and after speaking to legal complaint, i finally got my money back. Now Welcome have put me in the hands of debt collectors and was wondering who i should be dealing with. WFS or the debt collectors.

 

Many Thanks

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ok

give us a state of play now.

 

so's you got your money back - how much and what was it and from whom?

 

what is outstanding to WFS and when was your last payment.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The money was the £1836 which my solicitor had, i was wrongly advised to stop paying wfs and pay the money but thhe solicitor did not win the case which was on a no win no fee basis. After months of chasing and speaking to legal complaints, i got the money back. I have since written to wfs and said that i cannot afford to pay the £400 a month and willing to pay reduced amounts. They did not respond, however, since then i have received a letter from debt collectors saying i owe £24k and i should respond within 7 days.

wfs have ignored my request to cancel PPI, i now have another solicitor challenging and has sent an SAR request!

 

My last payment to wfs was 2008 Dec of £400, i had been paying between 270 & 400 since July 2006

 

Am really lost on this one, don't know what to do as wfs just ignore my letters.

 

Thanks

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why do you keeo using solicitor to do these things

you can do it yourself!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

deal on what?

if you are looking to start paying

 

pers i'd wait for postggj to confirm the status on the legalities of the agreement

 

dont worry about it

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thanx dx but i did not get any response from postggj, i have sent my agreement and sent him PMs and emails to his personal email but never got a response. I have 7 days from Friday 12th to respond to debt collection company. That's why am worried.

 

Thanks

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a dca has no legal powers to demand you do anything

 

so put that out of your head now.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

it certainly does for now.

 

postggj is very busy with various things, but if he's spotted what the other sol did, them odds on its un-en for whatever reason.

 

you need to get outta the clutches of these solicitors too

 

cancel the contract

 

tell them nothing.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Cheers dx, it's now over 4 months since i first contacted postggj and sent all my agreements (wfs & sol) but i never heard anything back. Am just not sure whether i'll ever hear anything back. Can i cancel the contract with sol if i have already signed CFA?

 

Thanks

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Cheers dx, it's now just over 4 months since i sent my wfs agreement to postggj and i've not heard anything back, am just not sure i ever will. I do appreciate that he's busy and don't want to keep sending emails.

 

Can i still cancel contract with sol if i have alrady signed CFA?

 

Thanks

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