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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.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
The Debt Star

AA Personal Finance & Blair Oliver Scott

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Hi. Is the attached CCA enforceable? No interest rate stated, just APR.

Has been admin by a DCA (Blair Oliver since Default in 2006). Currently on arrangement to pay with interest frozen.

 

http://i822.photobucket.com/albums/zz150/mozz11/1b5d0fbf.jpg

http://i822.photobucket.com/albums/zz150/mozz11/73b72fe3.jpg


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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anyone?


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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anyone?

 

I would say it is not enforceable, here is the requirements:

 

The nature of the agreement:

Fixed Sum Loan Agreement regulated by the Consumer Credit Act 1974 or

Credit Agreement regulated by the Consumer Credit Act 1974.

 

The parties to the agreement:

The name, postal address and, where appropriate, any other address of the creditor.

The name, postal address and, where appropriate, any other address of the debtor.

 

Under the heading "Key Financial Information":

Amount of credit

Term of the agreement

Total amount payable

Timing of repayments

Amounts of repayments

APR

 

Under the heading "Other Financial Information":

Total charge for credit, rate of interest, etc.

If applicable, information about multiple agreements, such as loans and PPI

 

Under the heading "Key Information":

Charges

Amount payable on early settlement

 

Statements of protection and remedies:

CANCELLATION RIGHTS

MISSING PAYMENTS

IMPORTANT-READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

 

The signature box:

Containing header: This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.

 

Permissible tolerances in disclosure of the APR:

For the purposes of these Regulations, it shall be sufficient compliance with the requirement to show the APR if there is included in the document--

(1) a rate which exceed the APR by not more than one; or

(2) a rate which falls short of the APR by not more than 0.1;

 

 

Doesn't adhere to the required layout

Early termination details missing?

No cancellation right

Nothing about missing payments

As far as i have it, it needs a separate signature box for the PPI because it is a multiple agreement

  • Confused 1

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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hey thanks. appreciated. repping you.


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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