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    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
    • No doubt the hotel will have security cameras on the floor you were staying to confirm or deny the allegation??   The only compensation you will probably get, which will be discretionary as a goodwill gesture, will be a credit voucher for the entire hotel group. Very much doubt anything more than that as you have not substantiated, the hotel committed the transgression 
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csl pain in the butt


wittsend
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It would be great to get it featured in CREDIT TODAY:madgrin:

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  • 1 month later...

they have the office junior on training again

 

wrote to them in aug, to say I'm not in work you will have to take a reduction in payments,

received not one but two letters from them yesterday, dated the 2/9 to say fine,with a breakdown of payments in total till the debt is paid off 810

so it will be 2079 when its paid off

 

today received a letter from them dated 2/9

thanking me for agreeing to settlement of the account and enclosing a payment slip

and they would like the payment at their office 7 days from the date of the letter

 

they realy are a fun company how do they recruit such intelegent people to work for them

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they realy are a fun company how do they recruit such intelegent people to work for them

 

They grab them on their way home from the "Golden Arches"

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

THE POLLAKS ARE AT IT AGAIN

have today received a letter from compleatly stupid ltd

saying that i have not responded to their reminder of none payment of instalments ( but the amount owing has reduced by the amount paid for the last 2 months)

if i don't pay up by return they want the full amount and if they don't get that it MAY result in leagal action to recover the

balance, intrest and court costs.

also came across a phone no, on truecall and when googled it

YES it was link.

a snotty letter will be in the post to ask why? , if they said my number would be removed from their files, they are calling

and who is their accountant as they appear to have filing errors with my account

will also point out that their letter will be copied and sent to OFT to add to my complaint

 

witts

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Well what can I say

 

have today received a missive from p2c, regarding my barclaycard

they have been instructed by their clients (them selves?) to visit my address to collect the above debt.

I have made this action necessary as i have ignored all their requests to contact them and I have failed to pay my account

 

Now I am thinking of sending the following

 

Dear Idiots

 

as my account is upto date ,and I have been in recent contact with you,

I find it necessary to call at your offices any time i see fit, so as to Inspect your book keeping on the above numbered account

 

You have caused this action by being totaly brainless in the threat department, and your ineptitude at keeping client payment, and information in an orderly maner

the charge to yourselves for this inconveniance will be in the reigon of £2.000

this should cover, travel costs accomodation, loss of earnings. meals, and incedentals

 

to stop this action, you will need to confirm to me in writing, that you are total idiots and that my account is up to date.

you also need to cofirm that this account will be passed back to Barclaysharks, as this is the 2nd instance of this type of treatment i have received from your company in 11 months,I have no confidence in your company and will not be paying you another penny

A copy of all comunication from you, including the letter of the 2nd Sep agreeing to my payment for the next 53years will be sent to the OFT to join the earlier one that has been lodged and accepted as a valid complaint against your company

 

thank you for your entertainment

 

witts

 

 

rant over

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I had a letter from these caber throwers once. I was so annoyed about it that I refused point blank to have anything more to do with Credit Solutions. Eventually, Egg passed it to CapQuest, who I had an awful lot of fun with. It all started here: http://www.consumeractiongroup.co.uk/forum/showthread.php?84928-Fred-Bassett-v-Egg-Credit-Solutions&p=1913665&viewfull=1#post1913665

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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