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    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
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HSBC & Metropolitan advice required


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Dear All

 

Im after some advice from those more in the know as I havent come across such an issue before!!!

 

My boyfriend has recently followed my lead and cca'd all creditors.....He has had mixed results but we have a problem with cumulative HSBC credit.

 

He has 2 loans.......and 1 overdraft.

 

The bank have written advising that they do not have a signed credit agreement for one of his loans. (approx £3000) ..the other two accounts seem legitimate to pursue in court if he doesnt pay. He wants to enter into a self administered DMP....as I have done. However he doesnt want to enter into a DMP for the other loan until he gets in a stronger position to enter a full and final further down the line.

 

Anyway.....to the point....HSBC have sent all debts to Metropolitan.....they have duly responded by amalgamating all of the debts under one reference and have asked that he enters an arrangement with them to pay 1 payment to all.....Today he has received a letter asking for a monthly payment towards the debt....they havent said anything about freezing interest etc on his overdraft.....

 

Can they do this???? surely they should treat all accounts separately.....??? Im stuck! :sad:

 

I look forward to a response from my fellow caggers! :-D

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met will only be collecting and you are under no legl obl to neg with them

 

at the end ofthe day

 

tthey DO NOT have to GIVE you permission to enter your DMP

YOU TELL THEM!!

 

what they are going to get and when

 

YOU take control of your finances NOT THEM!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You certainly want to be careful about them rolling all the accounts under one reference.. in the event of litigation it will suddenly be very blurred that there were 3 accounts and not the one.

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Hi and thanks for responses!

 

My plan of action is to write to them (on behalf of my fella) and advise that I will only deal with them if they deal with each account separately.

 

Is there anything else that you think I may add to the letter. I want them to know I mean business.

 

I'm getting used to my own DMP now after 2 years but hadn't come across HSBC tactics before.

 

Cheers in advance :wink:

Blossom x

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I'd be inclined to say you believe that this is unlawful without your consent, which you are not giving. If they know of a law allowing them to do what they're trying I'm sure they'll soon tell you. Also, looking down the line to F&F's which you mentioned, you may be in a position to offer a F&F on one debt,possibly two, but maybe not all three. It is therefore in your interests to keep them separate. Finally depending on what the debts are exactly, they may all be governed by different legislation, so again it would be in your best interests to keep them separate.

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Hi Blossom

 

If you think they haven't bought the accounts (and it looks like they haven't), one might request a notice of assignment under European Credit Directive; in my experience DCAs do not like this. This directive makes it clear that in the absence of said notice (even if only an equitable assignment) nobody can lawfully demand money be paid to other than the OC: for some reason DCAs do not like this.

 

love

 

vic

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Hi Vic!x

 

Blossom Vic is absolutely right as usual. The EU Directives are very underused (I think only Vic and I use them!) but are a super piece of legislation. I wholeheartedly endorse her advice.

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