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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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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      • 16 replies
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Hi

 

Can someone please help me with claiming back PPI on a firstplus loan i used to have.

 

In Aug 04 I took out a loan for £11,000 added to this was £2,693.90 for PPI which made the loan amount £13,693.90, then a month later Sept 04 I took a further advance of £5,000 which took my Loan up to £16,000 and they added PPI to this £4040.85 so made the total loan £20,540.85.

 

For the first month my monthly payment on the first loan was £135.59 this is including PPI, for the second month onwards I paid £203.38 per month including PPI.. there is nothing on the paper work to show a break down of the PPI per month.

 

I paid this loan early in May 2005.

 

Thanks

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have you not already got a thread running on this?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yes i have but dj1971 told me I should start a new thread with this one as my other thread was too confusing.

 

Thanks

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ah i though i'd seen it...

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Are you able to help me with this one? my head is going round in circles which is why my other post got so confusing lol :D

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let dj know you have started anew thread

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Whatamess,

 

Well done on starting a new thread and separating your different loans. This will make things much easier to follow and advise you on.

 

I have all the figures and information needed on your Firstplus loan and will do the calculations for you this afternoon.

 

DJ

  • Haha 1

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Yey thank you :D

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Whatamess,

 

When you paid the loan off in May 05 did you receive a rebate of unused PPI?

 

DJ

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I dont recall getting one and i have just check my bank statements and there is nothing obvious on there to show that i did.

 

Thanks

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Ok,

 

Do you know the settlement figure you paid in May 2005?

 

DJ

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Im in a state of shock, i have just found a letter from the solicitors when i remortgaged to pay off this loan, it shows that they paid Firstplus £20,240.00 in May 05 the loan was for £16,000 and £4000 was interest so i have paid them all of the intrest on top for having the loan for 9 months surely i shouldnt have paid them the whole 4k and im shocked my bank did not notice this when i showed them all the paper work...am i totally off the mark here or am i right in thinking i just handed firstplus 4k for lending me some money for 9 months?

 

thanks

Edited by whatamess

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Whatamess,

 

Wao! Going by your last post, something really stinks here.

 

I suggest your next coarse of action should be to SAR Firstplus. Let's see what information that throws up.

 

DJ

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hehe

 

welcome to fleecers world

how do you think you and me stay in the gutter and the rich get richer doing nothing.

 

i bet that breif got something out of it too btw.

 

you should have gotten a very big early settlement reduction.

 

it should be on the agreement or its t+c's

 

if you settle this loan early etc etc

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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dj....

 

i smelt a rat when this user first posted.

 

the listing just didn't seem right.

 

he deserves every penny back

 

btw: i just dont have the concertration level much to resolve these issues at present so's thats why i'm glad you're firing on al of yours...good work this last few weeks.

very impressed.

 

i've got a 4th hfc thread to start which i hope will interest you

just got to wait till it goes past a milestone before i can post it up

and show my cards so to speak.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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dx,

 

It really does stink doesn't it.

 

Many thanks for your feedback and happy to help on your new thread if I can.

 

DJ

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Hi Guy's

 

So I shall SAR firstplus and see what info they hold on me, as i have never SAR'd anyone before is there a certain amount of time that the have to respond in? Also is there any chance they could turn around and say this loan was over 6 years ago and hold no information on me?

 

Do you know i really cannot believe how we didnt spot this at the time but to be fair i only started to become clued up about any of this stuff since finding this site and what a site it is.

 

I will let you know the outcome and hopfully i can start getting back what is rightly mine

 

thanks;)

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no you should be ok

 

i thinks it best you do sar them.

 

let get all our ducks in a row

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Whatamess,

 

SAR is a legal request on Firstplus to supply all the information they hold on you as a data subject and should include statements, credit agreements, any letters of correspondence etc......

 

Have a look at the sticky on the ppi homepage entitled " Full SAR for PPI " this will explain it in more detail and there is also a template letter in there. Just adjust the letter to suit your circumstances and send to Firstplus by either special or recorded delivery and include a postal order for £10. Keep the receipt for proof of postage.

 

Firstplus will have 40 calendar days to provide all the information.

 

Go get what is due to you whatamess.

 

DJ

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