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    • This is what I do not understand It was for a data sim card where EE took £20 in advance for 20gb of data each month on a month by month rolling contract and once I had used the data it would switch off so impossible to use any more than I had already paid for. If I wanted to carry on using it i would have to log on and pay another £20.   I used the service for a few months and then did not renew the contract and heard no more    My bank account was used for ID purposes only and was my main bank account with all my wages and d/d and held for 7 years plus, no insurance was taken out and no other accounts opened.   This is my point EE have listed this and has no connected with the data they have entered        
    • 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.
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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.
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      I feel terrible. I have to declare this to my employer and NMC.
       
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      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
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      Thanks for reading 
      • 16 replies
iceboy

Safeloans wont accept offer, transferring debt to DCA!!

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Hi;

 

I have sent Safeloans an offer using their email address. Today i recieved a respond through email. They also sent a text message to my mobile!

 

I am including them both here! Can anyone suggest me what to do?

 

DCA will add charges or they will buy the debt with charges already added! I offered safeloans that i could pay the initial deposit and one month interest (which is what i owed originaly!) Now if it is transfered to DCA, it means it will cost more and more likely DCA will place a default on my account!

 

By the way, i have never received such letter from any DCA until today!

 

Here is the email and the text i have received.

 

EMAIL:

Hi Mr. iceboy,

Your account has now been passed to ACT Debt management.

Please contact ACT on : 0203 1500 150

With kind regards,

Safeloans Ltd T/A Paydayok

 

Text Message

Mr iceboy;

as you failed to discharge the debt which you owe to our client, Safeloans Ltd, your file is being transferred to our Legal Department. Legal proceedings will be instigated against you and secured by County Court Judgement (CCJ). This may be enforced by an Attachment to your earnings, or by Bailiffs. You must telephone ACT Credit Management Ltd IMMEDIATELY to avoid legal action on 020 31500 150, quoting reference: xxxxxxx

 

 

Any ideas what i should be doing?

 

Many Thanks

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contact them, make an offer of payment, tell them to email proof of agreement. dont give your bank or card details tell them you want to pay them directly so you need their bank details...

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If you read some of the other payday loan threads here it is unlikely that they will go to court. If they do go to court we can help with a good solid defence and then get the CCJ set aside or discontinued.

 

It is only when a CCJ is granted (and this is not just ISSUED by the claimant - as some companies like to claim now) by a judge and payment is NOT made that they can start further proceedings to have an attachment of earnings or send a bailiff round.

 

You CANNOT issue a CCJ with an immediate bailiff visit - that is a total abuse of court process.

 

Sending a debt to a collection agency with loads of additional charges is a no-no according to the OFT so you can report them to Trading Standards should they claim additional charges.

 

If they claim court charges and have not yet started court you can get these taken off immediately - it will have the effect of making the charges part of the loan unenforceable.

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