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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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Mel19861986

How far do I push it? Re Welcome settlement

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Hi, I've been reading with interest all the Welcome goings on, and was wondering if someone in the know could advise me? :)

 

I have a secured loan with Welcome. The original amount was £5000, apparantly my balance or *official* settlement is now £6500. To date, I have made payments totalling £1813.

 

I've been making reduced payments for a while (less than the interest), but am now in a position that I can pay them off anyway. Out of the blue two days ago, I got a call from a guy at Welcome, offering some sort of discount for a lump sum or settlement.

Anyway, he started off offerring a discount of £500, and for me to pay back £6000 to clear it. I told him I couldn't raise that much, so he offered a lump sum of £4000, and the interest and charges to be frozen on the rest and I can pay it off as I want.

 

I told him the funds i'd use to clear it are borrowed from a family member, but it was very much an all or nothing situation. So after muuuuch discussion, he said he would put my offer of £4000 to the *directors* and get back to me.

He called back yesterday and told me my offer of £4000 had been accepted, but it was lucky because it's rare for this to be done etc etc. And was also very pushy about taking a card payment, the offer is apparantly only valid until 31 Aug, at which point they'd sell the debt on.

So i've told him I want something in writing, and when I receive that i'll pay.

 

The longer the first call went on, the more and more desperate he sounded tbh. He also made a couple of slips, like saying he didn't think paying £3187 (the difference in what i've paid and the original loan) would be accepted-when I hadn't even mentioned that amount iyswim?

So now i'm wondering if I should call him back next week and tell him I can only raise £3200 as a f&f? Is this pushing it too far? Because I don't want to jeopordise the offer of £4k by being too greedy.

 

Any advise on my next move?

Many thanks

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I wouldn't wait for them to write to you. I would send a letter now (trackable as usual) summarising the outcome of the telephone calls - that way if they backtrack it will be difficult for them to dispute it.

 

You could at this point 'try it on' with the reduced offer, but I would be more concerned about making them record it as 'settled in full' with the CRAs. It's very much a judgement call - no one can predict how much they will settle for really.


RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Interesting to note that he threatened to sell the debt on.

 

Do I detect a hint of Welcome finally bailing overboard, and trying to ditch difficult debts? Is the end in sight, with them nearing administration?

 

Or are they trying to clean up the books to make themselves more attractive to a potential buyer?

 

Or was it just an empty threat, born of desperation?

 

Hmmm.

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I would be inclined to try it, dont pay a penny until you have anything in writing from them. I would write to THEM offering them X amount in full and final settlement if they accept before X date and understand that its F&F and that the account is to show settled with CRAs


I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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