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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 arrived in after a busy day at work and immediately got distracted by the clothes.
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Purple Payday offer accepted, what to do next?

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Hi guys;


i have been in touch with Purple Payday (also known as PaydayUK / MemCapital) through email and making them offer to clear my balance.


The debt goes back to October last year. I had trouble keeping up with the payment and now i am trying to get back on track.


I woe them £275. And i offered them £25 every month till January and £200 in January and they have accepted it. However, thay are asking for my details AND most importantly, the email says my credit file will be affected if the balance is not cleared by the end of this month!!!


Can anyone please help me what to do next? How can i avoid them placing anything on my files! Is there a letter template i can send off?


Many Thanks...


Here is the full email i have receieved from them:


Dear iceboy,


Thank you for your email.


We can accept your payment plan of:

£25 October.

£25 November

£25 December

And then the full balance remaining in January.


Please confirm the dates these payments can be taken and please also confirm your debit card details for us to set up and take payments.


Bank Name

Debit Card Type

Name as it appears on the card

Long Card number

3 Digit Security Number

Start Date (if applicable)

Expiry Date

Issue Number (if applicable)


Please be aware your credit file will be adversely affected if you do not repay your loan by the end of the month.


Your credit history will be further affected if this situation does not change, but if you contact us urgently we could prevent further damage to your credit file.






Debt Recoveries

Keyes Whitlock & Company

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Keyes Whitlock are known as a 'solicitor for rent' and their email needs sending to Trading Standards


Do not give them your card details, I do hope you have got another bank account to use in case of raids....


Write back asking for THEIR details and say you will also like the option to pay online.... that way YOU control the payments, not them.

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i doubt your credit file will be affected, total rubbish in my opinion.

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Thank you for your responds.

Sillygirl, i took your advice and asked them to provide me with their details so i could make the paymant. They sent me their details but i would like to know if theres a way of confirming the details?


Thank you...


This is the email they sent me today:


Dear iceboy,


Apologise - Here are the bank details.


For all cash payments - please use the account details below, deposits can be made in any branch of Royal Bank of Scotland or NatWest:


Account Name: Month End Money Ltd.

Account Number: 39524906

Sort Code: 60-00-01

Reference: xxxxxx/iceboy


Please reference your Loan Agreement number xxxxxx/iceboy on the payment slip so that MEM Consumer Finance Limited can allocate the funds to your account.


Did you know that as we work with a credit reference agency, we share your account information on a monthly basis, so when you repay your loan on time, this could also help to improve your credit rating. However if you do not repay on time this could have a negative impact on your credit rating.


Please call our free phone number 0800 074 5010 (Call charges may apply depending on your telephone provider) between 9:00am and 8.30pm Monday - Friday or 10am - 3pm Saturday.



Debt Recoveries


Keyes Whitlock & Company

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They told me they wont hold any action unless they receive the first payment! Well, i am going to make the payment in that case.. Hope it all goes ok...

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that's fine, its just to ensure you pay. remember pay direct, dont give bank details.

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Do not give them your bank details they are complete ********s! Tell them you need another way to pay ! But whatever you do dont give them your details coz theyl take money when they want.

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