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    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
    • If WFH is what leaves people feeling unsupported then I completely agree that's not good.  I wonder if some organisations were better at keeping communication open, managing the situation and making their employees still feel supported and included.  It's likely there have been lessons learned.
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Cara826

Help with debts from Santander and HSBC

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Hi guys I have been readin on this site for a little while now but i am still cluless on what to do! I owe money to Santander and HSBC. They have 'passed' this on to Moorecroft Group. I thought HSBC was Metropolitain and I called them and they (metro) said they had 'sold' my debt to Moorecroft!! Now I have just come off the phone to Moorecroft say I have just started a job again and I dont get paid untill the 27th July and I can start to makes some payments then to clear this debt. They said it isnt good enough they wont acceopt this as I have to pay the full amount now on each accounts or pay £13.59 - so I replied what part of I have no money right now because I have just started work again do you not understand? I am offering what I can and saying when I can start paying. they said I will be getting a letter about court as from monday. I have had a few heated disscussions in the last month and to be honest they are rude and one guy shouted at me down the phone about 3 weeks ago saying why arent I on the the doll so I can pay my debt!

 

Please help me I dunno what to do I'm 22 and im scared and I have offered what I can do but they wont listen.

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Don't pay them anything and don't speak to them on the phone again - ever. How old is this debt and what is it for?

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Hi,

As you are a newbie, we won't lambast you for not following the rules :D

 

These are:

 

Never speak to a DCA on the phone

Never believe anything a DCA tells you

 

Always correspond in writing

Never sign a letter

Always send letters by recorded delivery.

 

Anyhoo, moorcroft are giving you a load of bull. Most of the wouldn't know the inside of a court from the bar they are usually propping up drowning their sorrows.

 

If you could elaborate a little on what the debts are, we should be able to help, (NO accurate figure, just what type of debt and a rough figure)

Edited by silverfox1961
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Hi cara, welcome to cag

 

Take a deep breath, first rule when dealing with DCAs is never to speak to them on the phone as you can gather they will say anything. Everything must be in writing.

 

Are these accounts moorcroft are chasing loan or credit card?

 

if they are, then you need to cca request moorcroft to see if they have a right to collect the debt

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

edit to suit

 

Try not to be imtimidated by moorcroft they full of hot air

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Hi guys! sorry bout not following rules! i'm just so scared!

They are for bank overdrafts. The total amount is under £3500! Most of the Stantander is bank charges both were only £500 overdrafts..... The HSBC is £535 ish its the Santander thats is the killer! the debts are bout a year old on both.

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The CCA letter is irrelevant for overdrafts. I would put this account in dispute right away on the grounds that it comprises mostly of charges. I have amended a template for you:

 

ACCOUNT IN DISPUTE

 

Dear Sir/Madam,

 

Your ref:

 

I do not acknowledge any debt to your company.

 

I am in receipt of your letter of **DATE**, the contents of which are noted.

 

As holders of a Consumer Credit Licence you are obliged to comply with the Office of Fair Trading Guidelines on Debt Collection. I dispute your claim for payment on the alleged debt as it comprises unlawful bank charges.

 

As per OFT guidelines Section 2.8k you are required to cease collection activity whilst investigating a reasonably queried or disputed debt.

 

Take notice that I will not discuss this matter on the telephone, and all further communication must be in writing. Any further telephone calls will be perceived as harassment, and dealt with accordingly.

 

Yours faithfully

 

You can now have some fun with Moorcroft because they are as thick as Elephant poo.

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Thanks guys! I'll try that. They are really horrible! making me have sleepless nights!!

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Never lose sleep over these cretins, The caggers will keep you on the right track:)

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I've seen moorcroft off with 2 accounts in the past both were unenforceable, enjoy winding them up telling they cannot collect on it

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