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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London mayor candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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High Street Collections Limited.


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Hey im new here and have a problem with debt collectors.

 

I have an agency contacting me called High Street Collections Limited. They have sent 3 letters. The final one was to threaten with a CCJ, which I already have one to a previous debt.

 

The biggest problem is that fact that I dont even know what this debt is. It just says that their source/client is a Van Mildert. I have no idea who that is.

 

If the debt is genuine then it could be from my HIP pack from last year.

 

The last letter said I had 48 hours to contact them otherwise they would get a ccj and get a charging order put against me.

 

Surely they cant do that at this stage or at all for what is clearly a non-priority debt?

 

I could really use some help.

 

Thanks

Andrew

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Hi and welcome to CAG

 

Van Mildert appear to be a designer menswear outlet, or a college in Durham

 

High Street Collections offers a comprehensive, professional, debt collections service for any commercial or consumer debt within the UK.

Our experience and specialist expertise in collections removes the stress and expense associated with collecting bad debt leaving you free to focus on other areas of your business. We collect aged debt and ledger debt on behalf of our clients from £1000.

 

Our reputation within the market place has enabled us to secure accounts with some of the UKs leading companies, including several of the countries largest Insolvency Practitioners. If you are having difficulty collecting some aged debts why not try our service and put our claims to the test.

NO WIN – NO FEE !

 

If it can be collected. We will collect it!

 

Tel : 0845 9011710

Email : [email protected]

Fax : 0191 4879500

 

If you don't know what the debt relates to, then sent them a prove it letter.

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

DO NOT contact them by phone or admit any debt to them.

What sort of balance are we talking here?

As they seem to collect 'aged debt' is more than likely some old statue barred debt from years ago

 

As for getting a ccj, if you have one already you will know it is not something that happens overnight. They would have to file papers in the county court and win their claim.

 

The wording of these letters are just threats to get you to contact then by phone so they can intimidate you into paying something you might not even owe.

 

Don't play into their grubby hands, you are in ours now, the SAFE ones

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Unfortunately I have emailed them.

Not admitting the debt but asking where it has come from. I also said that If the debt is real I will pay them a max of 20 pounds per month.

 

But ONLY if the debt is real and I want proof.

 

The debt is apparently 538 pounds.

 

And I got the same results trying to find this Van Mildert. Just a fashion designer or a college in Durham.

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They appear to be a new outfit, only been going since octlober last year.

Are these letter addressed to you personally?

How long have you lived at this address?

 

It wasn't a wise move to tell them how much you would repay, as you don't even know if you owe it, but its done now. They will go all out now to try and prove its your debt, wether it is or not as you said you will pay it.

 

I can't stress enough the underhanded lengths these companies will go to get a payment

Please don't enter into any conversation on the phone with them EVER

Wait and see what they come up with if anything

 

Name & Registered Office:

HIGH STREET COLLECTIONS LTD

20 ENTERPRISE HOUSE

TEAM VALLEY TRADING ESTATE GATESHEAD

TYNE & WEAR

UNITED KINGDOM

NE11 0SR

Company No. 07408214

 

 

 

spacer.gifspacer.gifspacer.gifspacer.gifStatus: Active

Date of Incorporation: 14/10/2010

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

None Supplied

Accounting Reference Date: 31/10

Last Accounts Made Up To: (NO ACCOUNTS FILED)

Next Accounts Due: 14/07/2012

Last Return Made Up To:

Next Return Due: 11/11/2011

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I realised just now it wasnt wise. Yes they are addressed in my name. Lived here for about 10 years.

 

The only debt I can think of thats near that amount is the HIP pack. Which to be honest Im narked about having to pay for it anyway seeing as it was banished not long after I got it.

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I'd agree with Alf, sending a recorded delivery letter enquiring as to who / what the debt is concerning is usually the first move. But let us know if they respond to your email....

 

They have an OFT credit licence application pending...

 

Licence Number:0640949

Licence Status:Pending

 

Current Applicant / Licensee:

 

Business NameCompany Registration NumberHigh Street Collections Limited6937243

 

Right To Canvass Off Trade Premises:No

 

 

Current Individuals that run the organisation:

 

NamePositionStuart Thomas Niven

 

Current Address(es):

 

Address TypeAddressPrincipal Place Of BusinessEnterprise House, Unit 20, Team Valley Trading Estate, Gateshead, Tyne And Wear, NE11 0SR, EnglandRegistered OfficeEnterprise House, Unit 20, Team Valley Trading Estate, Gateshead, Tyne And Wear, NE11 0SR, England

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Send their letter to Trading Standards, use the Consumerdirect website and mention that they have no consumer credit licence, contact the OFT and complain about the vague and misleading letter - they cannot go for charging orders as stated on debt under £1,000, it would cost them a lot.

 

The government are looking at stopping companies getting charging orders on debts of under £25,000 so the amount they claim is well under that.

 

Even if they go for a 'forthwith' order through the courts you can still defend and get them to provide evidence of the debt, if it is statute barred (this is from the day after the last payment) then they have no legal right to use the courts.

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Some useful links for complaints but def send the 'prove it' letter

Complaints

TS via http://www.consumerdirect.gov.uk/contact

OFT http://www.oft.gov.uk/

OFT Guidance link

This helps when drafting a letter to OFT

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

Please support CAG and they will support you.

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Thanks for your help everyone.

 

No reply as of yet to the email.

 

The address that is on the letters is

 

2nd Floor

Cutherbert

Newcastle Upon Tyne

NE1 2ET

 

And another letter has

 

Unit 20 Enterprise House

Team Valley Trading Estate

Gateshead

NE11 0SR

 

They have a couple of different phone numbers and I still dont know who Van Mildert is.

 

 

Seems like they are a shady company trying to [problem] me.

 

 

What does it mean about Right to canvass off trade premises?

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Hi there

First of all if they want a CCJ they need to PROVE it's YOUR debt AND THEY HAVE A LEGAL RIGHT TO COLLECT IT. This latter part is often forgotten by people on the Forum. A lot of people simply pay up when they see a letter saying XXX has asked us to collect YYYY from you.

 

Even if it YOUR debt always get them to PROVE IT.

 

Next a Charging Order can only be obtained if they HAVE a CCJ and you don't pay. Even then they have to go to court 2 TIMES - first for an Interim and then for a Final -- and it really doesn't benefit them as you could sit in the property for 30 years or more --the debt will only get cleared when the property is sold -- inflation will have eaten it away to nothing by then.

 

For ANY credit covered by Consumer Credit Acts then NO INTEREST can be made on a Charging Order.

 

If I were you and the CCJ goes ahead just sit on the Charging order. It's almost impossible for the Creditor to get a forced sale of the property and the whole area of using Charging Orders for collecting UNSECURED DEBT is being reviewed. Proposals are in place to make these impossible for amounts less than 25,000 GBP.

 

The whole Charging Order thing was latched on greedily by DCA's who thought this was a real gravy train.

 

In fact the control comes back to YOU since you can bargain with the creditor -- wait 40 years to get what is probably worth 3P by then or make a Full and final settlement of say 15% of the original debt.

 

Most DCA's will take MONEY NOW rather than wait 30 years.

 

I think the whole Charging Order route will soon vanish -- a more worrying problem is the increasing use of Statuatory Demands (SD's) by DCA's. Even though these are fairly easily quashable YOU MUST TAKE ACTION.

 

With a typical Charging Order just let it ride -- no big deal. I don't think I've heard of ANYBODY recently who'se had a forced sale of a House on Credit Card debt -- certainly not for the sorts of amounts often quoted on these Forums --usually under 10,000 GBP.

 

Cheers

jimbo

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I have recieved a reply from HSC.

 

I will mark any strange things out to you.

 

Without Prejudice (excuse me?)

 

Dear Mr Ferris

 

Further to our recent telephone call (I have never spoken to them on the phone i only emailed them once) I can write to confirm out agreement to a full and final settlement (full and final?)

 

We are prepared to accept 27 payments of 20 per month to clear the outstanding amount above and close our file. We must receive a signed standing order within the next 7 days. Please send to High Street Collections and send to the below address. Should we not receive your standing order form within the next 7 days we withdraw the offer and begin legal proceedings for the full amount

 

We look forward to your remittance by way of return (what does that mean?)

 

 

Ok so 1) I have never spoken to them on the phone

2)what does the final line mean?

and 3) whats the next step?

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Bit a cheek as they have not yet explained what this is but probably in response to your email. I would send them a 'prove it' letter and see what they come back with.

Please support CAG and they will support you.

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So once again they have not supplied any details on the actual debt itself !!!??? PLEASE, PLEASE report them to the OFT. Send this recorded delivery in the post and don't hand sign it....

 

Dear Sirs,

 

I write in response to your letter dated XXXXX

 

Your company have contacted me about a debt of which I have no knowledge whatsoever, moreover you have quoted a company called 'Van Mildert' I can confirm that I have NEVER had any kind of account or transactional relationship with this company.

 

If you continue to harrass me with imminent threats of legal action I will have no hesitation in commencing legal action against your company, I also note that your company has a credit licence which is 'pending'

 

As a debt collection agency has to have a complaints procedure in process before it obtains its licence then I now require you to send me a copy of your official complaints procedures within the next 14 days. I'm sure I have no need to remind you of the guidelines laid out by the OFT, CPUTR2008 and the recent high court case of British Gas vs Ferguson.

 

You have not in any way answered my queries, and unless you provide a full breakdown of the amounts and what this alleged debt is for. Then I will not engauge in any further correspondence with your company.If it is your intention to issue a court claim, then it will be defended in full and also I shall refer the judge to this letter when the matter of costs falls due.

 

I trust this makes my position completely clear.

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I have recieved a reply from HSC.

 

I will mark any strange things out to you.

 

Without Prejudice (excuse me?)

 

Dear Mr Ferris

 

Further to our recent telephone call (I have never spoken to them on the phone i only emailed them once) I can write to confirm out agreement to a full and final settlement (full and final?)

 

We are prepared to accept 27 payments of 20 per month to clear the outstanding amount above and close our file. We must receive a signed standing order within the next 7 days. Please send to High Street Collections and send to the below address. Should we not receive your standing order form within the next 7 days we withdraw the offer and begin legal proceedings for the full amount

 

We look forward to your remittance by way of return (what does that mean?)

 

 

Ok so 1) I have never spoken to them on the phone

2)what does the final line mean?

and 3) whats the next step?

 

 

This is a cute effort and would be used to refute any statute barred argument, of course they would fail because the acknowledgement of the debt needs to be either recotrded or in written form, but it's a nice try

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  • 3 weeks later...

This will be for the HIP pack as I am having the same agro with these people. They will have a copy of the contract, ask them for a copy. I have reported them to trading standards for harrasment. Interesting to know they don't have the full licence yet, they better back off or I will be making a big noise with the TS complaint which surely can't be good news if your a new outfit..... Their tactics include repeated calls (three within an hour) misleading letters, using embaressment tactics such as "visiting your place of business". Rising stars to watch methinks....

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  • 4 months later...

A while a go I posted about my HIP pack debt and Van Mildert's debt collection agency sending threatening letters.

 

I have heard nothing from them since.

 

But on the 2nd Of this month I noticed a payment had been made of 150 pounds to Van Mildert Landords association.

This was not a direct debit or a standing order. It was a debit. As in someone has used my details fraudulently.

 

Im not sure if the estate agents had my details and passed them on or whether Van Mildert had them from the HIP pack request. Either way this cant be legal?

 

I contacted my bank they said to contact Van Mildert so I will in the morning.

 

I dont mind paying my debts but I have not been contacted to make the payment in the first place.

The original letters (as mentioned in my previous thread) were the first I heard about it.

Surely I would have had to sign something?

 

Please help. This has left me unable to pay my bills so I am starting to panic.

 

Andrew

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Tell your bank you want a Chargeback.

 

Complain to your bank not more than 120 days (180 for international purchases through Visa only) after realising there's a problem, and ask to dispute the transaction. Your bank can then put the procedure in motion to claim the money back from the supplier's bank. For some cases you will need to contact the seller first though so it's also good practice to do this.

 

At this point, the onus is on your bank to get the money back if a transaction hasn't been completed properly and you should get a refund. Importantly, as it's asking for money back from the supplier's bank, not the supplier itself, the money should come even if the supplier itself has gone bust but this isn't guaranteed.

 

Again, it's worth noting most bank staff don't really know about this procedure, so you may need to explain it to them.

 

Some possible reasons for claiming a Chargeback are:

Technical - expired authorisation or a processing error by the bank

Clerical - being charged multiple times or being billed for the incorrect amount

Quality - the goods were not as described or were defective

Delivery - the goods were not received as promised

Fraud - you have been the victim of fraud and did not authorise the purchase

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