Jump to content
  • Tweets

  • Posts

    • It definitely has to be 100% or they have pulled a fast one on you - even before the govt clarified on this I found advise to this end that it has to be pre-furlough pay.
    • I thought so, I managed to get hold of ACAS and have put in a claim.    thank you 
    • I assume your holidays run from March to April or something similar. As far as i know your holidays continue to accrue - covid or not, especially since you kept working they have no leg to stand on.
    • Thank you so much for the replies already!   Just to add to the original post , I no longer live at the address that they've send the letter to (have changed my address with DvLa) not sure if it makes a difference    For a windscreen ticket  1 The date of infringement? 11th February 2017   2 Have you yet appealed to the parking company yet? Yes. I dont have any evidence of it as it was from 3 years ago. I sent photos of the car park and my parking ticket . I still have the paid parking ticket    has there been a response? No.      have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I can't recall this. But I believe I may have    When I received debt collectors letters , I then sent the offer to pay letters and the PDA   5 Who is the parking company? One parking solution    6. where exactly [Carpark name and town] did you park? Vantage point , brighton  08-13-2020-11.24.33.pdf offer to pay - pcn.pdf pda.pdf
    • ok, bit more info i should have stated. The claim was started within the 6 years stat limitation. the hearing was after 6 years had expired and so was the strike out. It is now 8 years past default notice, and i have not heard anything since strike out for 1.5 years. surely another claim for the same terminated account is timebarred, even if they change the amount to a lesser amount.   the issue is the oc bank has written to me stating i am due a refund of wrongly taken charges and interest FROM 2011 and have applied the refund to the os balance, which is with the purchaser company who was struck out. The oc say they have informed the purchaser of the revised balance, which means the claim against me by the purchaser was for the wrong balance. surely this does not mean thy could use this balance for a new claim 8 years later? this smells like a trick.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • 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
Gyrth

Monument Credit card - help needed

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3485 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

I'm new to the site, so not sure if i've posted this in the right section.

 

I have a small amount of money on an old Monument credit card, I owe just over £500. I have been paying the minimum payments for over 2 years and had forgotten about this when i took an IVA out 3 years ago.

 

Since April 09, i have been claiming Disability work allowance, and am getting no other benefits so am having to make this payments cover everything, i'm slowly starting to sink becasue of this. I missed a £13 payment to Monument in July, since then i have been getting 2 phonecalls a day from a call centre in India, asking when i can pay the back payment. I am currently running a £150 overdraft (allowed) but also becasue of bank charges beiong taken out it is always over this amount which then means i get less money (I have just found the appropriation letter which i will be dealing with for the bank).

 

Yesterday i lost it with Munument and ashamedly shouted at the caller about being Harrased and being fed uip with keep repeating the fact twice a day that I actually have no money in the bank to make a debit card payment with. Previous to that i had asked for an I/E form to be sent to me, which arrived yestersay morning.

 

Is there anything i can do/sayut this Harrasment the next time they call? I am struggling to hold it together at the moment, especially as we are finding it difficult to put food on the table or pay bills etc, which with a 7 year old, the food for him is always going to win.

 

Thanks for any help in advance.

Share this post


Link to post
Share on other sites

Hi and welcome.

 

Thread moved to Debt collectors forum.

 

Hopefully, more people can help now.

 

Golden rules -

DO NOT talk to anyone on the phone - tell them this if they ring again and ask them not to ring, say in writing only. If they continue to ring it is harassment. If you like refuse to answer the security questions.

 

 

DO NOT send your income and expenditure to anyone, you can work out yourself what you can afford to pay and offer this. This may be nothing at the present time.

Edited by coledog

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Share this post


Link to post
Share on other sites

I have a feeling the DCA in question may be our chums from Wimbledon. Can you give us more information about any letters or other contact you have received?

 

As coledog says, you MUST stop talking to them; do NOT acknowledge the debt in any way.

 

Give us as much info on the history of this account as you can and we'll help you.

 

Hopefully we can help you calm yourself and keep the antics of these idiots in perspective.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Share this post


Link to post
Share on other sites

Hi and welcome.

Send them both of these letters one is to stop the telephone harassment, the other is telling them that you intend to record incoming calls. You will probably get a letter back saying that they are allowed to ring you, but you are not allowed to record them. IGNORE it. It's your phone, you pay for it and you can do what you want with it (so long as you don't frighten the neighbours kids).

 

Send by recorded delivery and do not sign anything you send to a DCA, always print your name.

 

Don't worry about losing it with them, they like it, they are trained to wind you up.

 

Your next port of call is to CCA them, but one thing at a time.

 

Keep us updated, we are here to help.

 

HB


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

Share this post


Link to post
Share on other sites

The debt on the card is one i forgot about when i took the IVA out, it is for just over £500, and i have been paying the minimum amount with out missing a payment. Until August this year when the £13 minimum didnt go through due to no money (i'm living on disability at moment) Since then they have phoned a minimum of twice a day starting at around 07.45am in the morning or as late as 9.30pm. It is always from an indian call centre, and taking nothing away from them I cant understand what they are on about. If i ask to speak to a manager he's always busy elsewhere. It has now got to the point where we are screening all calls through the answer phone.

I had a direct debit set up in my bank for all this time, which THEY have now cancelled, so there is now no payment going through, unless i phone this indian call centre.

I have offered them an income and expenditure form but they dont seem to understand what i'm talking about and there charges for any missed payemnt is over £30 a time.

I have also just come out fo hospital where a small operation went drastically worng and i was in intensive care for 4 days, they even phoned my mobile during this time despite my wife explaining i had died on the operating table and was in intensive care, they continued to call.

any help is really going to be a bonus here.

Thnks in advance guys.

Cheers

Gyrth

Share this post


Link to post
Share on other sites

Which DCA/debt buyer is this?


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

Share this post


Link to post
Share on other sites

Hi

 

Is it still Monument who are calling you or someone else? From your original message I assumed that this was Monument?


At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Share this post


Link to post
Share on other sites

DO NOT SEND THEM AN INCOME/EXPENDITURE!!!!!!!!!!!

 

They have no right to see it. Get them telephone letters sent off ASAP and also send a CCA request if you can't get it added into your IVA.

 

HB


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

IF YOU NEED HELP WITH UPLOADING YOUR IMAGES THROUGH PHOTOBUCKET CLICK HERE

IF I HAVE HELPED YOU OR MADE YOU SMILE, PLEASE FEEL FREE TO CLICK MY STAR

Share this post


Link to post
Share on other sites

Momument are a bunch of idiots. I know someone who paided off £6k to them in one go recently to clear the account, but funnily enough there was still a few days 'interest' left to pay. so they have been hounding this customer for weeks now looking for aprrox £10. They're an absolute joke. Don't let these parasites drag you down, life's bigger than that nonsense! Whoever said money was the root of all evil, wasn't far off the mark tbh; and we're supposed to be a 'developed' country?!? (I dont even think we've started off down the road on that journey).

Share this post


Link to post
Share on other sites

Hi Gyrth,

I agree with all the above. They have no right to harrass you in this way. I personally would write to them and say that you are most concerned with the manner in which you are being harrassed in regard to this account for circumstances which are clearly beyond your control.

You therefore include a formal CCA request in order to ascertain whether they have a legal right to treat you in this way.

Include the telephone harrassment letter. To save me getting RSI, further details and the letter templates you need are in my debt blog:

 

http://www.consumeractiongroup.co.uk/forum/entry.php?180-Debt-Threats-a-quick-self-help-guide

 

kind regards,

 

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

Whats the real deal with this....all these companies trying to play the middle man.

 

I know there is a way around it. I have more than 10k in credit card debt. Where can I go to find out more information?

Share this post


Link to post
Share on other sites

MN - you need to start your own thread with some more details.

 

OP follow Elsa's advice - it's exactly what you should do.

Share this post


Link to post
Share on other sites

Morning Tingy :-)

 

It has gone quiet on here...any update on this Gyrth?

 

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

Morning Elsa,

 

Just looked back through thread. It went dead in November then got reincarnated, so I suspect OP has sorted something out. I wish people would post resolutions!:-)

Share this post


Link to post
Share on other sites

Mine is to drink less Brandy..


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...