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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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      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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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      Thanks for reading 
      • 16 replies
lamb909

HFC Credit Agreements, 1st Credit want me to verify my signature

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as above really I have received CCA's for HFC from 1st credit, they look to be all ok in terms of enforceablility but 1st Credit are asking me to verify my signature so that they can send any other documents out, now obvioulsy I hoped they woud be unenforcable but seen as they dont seem to be, how can i check when I last made a payment, there are 2 agreements, one dated 2003 and the other 2004 but i honesly cant remember when I stopped paying. They are 2 HP agreeements for PCs bought at Dixons I think.

 

they go to say that I have to prove its not my signature by sending a copy of drivers licences etc and if it doesnt match, they can take it as it was fraud and i should report it to police and they will help all they can (very nice of them)

 

Like I said I only want to see statements but if I admit its my signature am I then in trouble due to staue barred (which may be or may not be)

 

Help muchly appreciated, ta

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as above really I have received CCA's for HFC from 1st credit, they look to be all ok in terms of enforceablility but 1st Credit are asking me to verify my signature so that they can send any other documents out, now obvioulsy I hoped they woud be unenforcable but seen as they dont seem to be, how can i check when I last made a payment, there are 2 agreements, one dated 2003 and the other 2004 but i honesly cant remember when I stopped paying. They are 2 HP agreeements for PCs bought at Dixons I think.

 

they go to say that I have to prove its not my signature by sending a copy of drivers licences etc and if it doesnt match, they can take it as it was fraud and i should report it to police and they will help all they can (very nice of them)

 

Like I said I only want to see statements but if I admit its my signature am I then in trouble due to staue barred (which may be or may not be)

 

Help muchly appreciated, ta

 

I am a bit confused - have they sent you agreements with a signature on that is not yours?

 

Or have they not sent you anything with signatures on as yet?

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1st Crud have no right to see your personal details, if they are unsure it is you they should not be chasing you in the first place!

Tell them to complete their legal obligations by sending you the documents or you will report them to the relevant authorities.

NEVER send them a copy of your signature or drivers licence/passport etc.

Scan in and post up the CCA's, remember to remove all personal details i.e. name, address, reference numbers, barcodes and full amount.


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I am a bit confused - have they sent you agreements with a signature on that is not yours?

 

Or have they not sent you anything with signatures on as yet?

 

yes its mine but they said they wont supply any further documents (ie statements) until I confirm it is mine and if I did this I *think* it doesnt help my case in case its statue barred, hope this makes sense

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yes its mine but they said they wont supply any further documents (ie statements) until I confirm it is mine and if I did this I *think* it doesnt help my case in case its statue barred, hope this makes sense

 

I dont see what their issue is - you are entitled to statements with or without a cca request.

 

The signature should not be an issue.

 

Admitting or denying the signature will not effect it being Stat Barred - it either is stat Barred or it isn't.

  • Confused 1

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Send them a letter asking for copies of your statements and include the following paragraphs.

 

I note that you have sent correspondence containing sensitive private information to me at same address as that detailed in my s.78(1) request. If you are concerned that you are corresponding with the correct person I wonder why you have not verified the information before.

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998. The time to confirm my identity was before you sent your first letter.

 

Dont send them any personal info.

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Failing the above simply send them a SAR - it will cost you a tenner but will give you ALL the info they hold on you.

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From the OFT Guidelines

 

Deceptive and/or unfair methods

 

2.7 Dealings with debtors are not to be deceitful and/or unfair.

 

2.8 Examples of unfair practices are as follows:

 

j. requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

Apart from breaching the Guidelines there's no legal requirement for a person to sign a letter etc, I came across some useful info when I looked into this signature lark, here's the link if you're interested . .

http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&p=2788625#post2788625

 

Good luck

R

Edited by Revenant
  • Confused 1

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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thanks guys, i'll try and sort a letter out, can I add the bit on post 8 to the bit on post 6

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i dont kknow how to make it bigger

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Oh suger, have no idea how to make it bigger

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Hi Lamb,

 

You need to open a photobucket account, upload your image minus all personal details, barcodes & reference numbers and the cut and paste the link.

http://photobucket.com/

 

Best Wishes

Stigman

Edited by Stigman
Missed off the photobucket link lol :)

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks mate, will try this

Edited by lamb909

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Thanks mate, will try this

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Subbing mate, got the same template letter as yours from 1st Credit, I ignored and they passed it to Connaught Collections, so expect a threat o gram from them. SAR them, that's what I'm doing tomorrow. PM


IQOR (the OH) - No CCA, gone away.:madgrin:

Simply Be (the OH) - No valid CCA, gone away.:madgrin:

HSBC Loan - No CCA, not gone away but who cares, they have nothing.:madgrin:

HSBC Overdraft - No CCA, not gone away but who cares, they have nothing.:madgrin:

LTSB Loan and Overdraft (the OH) - AID, awaiting result on PPI and Bank Charges complaint.

Vanquis - No CCA, gone away.:madgrin:

MBNA CC - No CCA, awaiting DSAR outcome.

MBNA Loan - awaiting DSAR outcome.

Capital One (the OH) - No CCA, gone away.:madgrin:

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Update, Ist Credit have replied saying " We do not have any concerns we are dealing with xxx x xxxxx. This information was alreday verified, We apologise to you for the confusion caused by a letter being sent for further info. That was not required and was sent in error. as stated in the letters sent to you under seperate cover there is fee of 10 pounds to provide copy statements, we look forward to recipt of this payment etc etc

 

hfc bank account number xxxxx last paynent sep 2006

as above xxxxx last payment march 2006

 

so they are not statue barred and i presume the cca is enforceable

 

any help much appreciated thanks

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1st Credit will hold very little data, therefore the SAR request should be sent to HFC Bank.

Couldn't open up the link, but please scan in and have the CCA's checked out for enforcability.

As to the dates, wait until you get the SAR request back from HFC Bank.

 

Best Wishes

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Was their any terms and conditions attached?

 

Please someone correct me but I don't see any cancellation rights?


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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