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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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ngj78

Egg Loan - Solicitors letter valid?

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Hello all,

 

I fell behind on my egg loan some months ago. It went to default and then to two debt collection agencies (or perhaps one but with different names!).

 

I've not received a couple of letters, allegedly from a solicitors. Question one is if I should take this seriously? http://i557.photobucket.com/albums/ss15/njohns78/EggloanSolicitorsLetter0002.jpg

 

I have received documentation from egg but have just been poor scanning/uploading and checking. The loan would be from about 2008.

 

My thought is to put a holding letting into the solitictor saying that I'm investing the legality of the CCA and correspondence is being put together for egg?

 

That sound sensible? any other advice welcome.

 

Many thanks

 

NGJ

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this company is very aggressive in its speed which it goes to court, whatever you do (following the good advice you will get do it quickly) I have read on numerous forums that this company are particularly nasty and can be aggressive in their dealings.


I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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tell us the history, all of it, and figures please

bryan carter are aggressive but can usually be batted off if done properly

 

have a look in the bryan carter forum

 

dx


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If your loan was taken out after 2007, then chances are it has all the I's dotted and the T's crossed.

 

Was there any PPI added, which could possibly have been mis sold ?


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Unfortunately no PPI :(

 

Struggling to find the paperwork so may have to CCA again. Would I do that to BC or Egg now?

 

Thanks for everyones responses.

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I should have said its for about £15,000. Not sure if the amount makes a difference on how hard they will chase?

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Sorry to repeat a recent question but want to respond quickly....

 

should I CCA egg or Bryan Carter now?

 

Thanks.

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what good will that do?

 

you need to tell us the history as advised above

 

before carter slaps court papers on you.

 

dx


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ok...... apologies in advance for being a bit sketchy, I'm away with work but need to respond to BC by the 26th, so feedback welcome on the little info I can provide.

 

I took out a loan for £15k in about 2002. I then subsequently topped this up 2-3 years later to £25k, consolidating all of my debts at the time. About a year ago I became unable to pay the monthly £400, my view at the time was better to pay 2-3 other debts than just one. Subsequently the account went into arrears and then into default. The debt was oringally passed to Frederickson's - who I didn't take sersiously.

 

I've not responded to BC at all yet. Given that I now only have a couple of days left to do so then want to say something, even if a delaying tactic.

 

My earnings are still very low. I certainly couldn't afford £400 a month, if I need to start making repayments - to stop a CCJ. I am also a company director so this really wouldn't help me!

 

Many thanks in advance for your helpful words.

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If of note I should have also added that I have two credit cards with egg - of £3.7k and £3.8k. Both services have been withdrawn but I am making the minimum monthly payment - not sure that is relevant with any response in trying to settle this.

 

Thanks again.

Edited by ngj78
typo

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ok

 

pers i'd pay SOMETHING even if its £1PCM

 

as would be the norm as these aRE NOT priority debts

 

have a read of seq's blog in my sig.

 

and you call the shots not them

 

take control its YOUR money.

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks dx.

 

Is the intention of this to slow them down or that they have no choice to accept? (sorry if an obvious question!)

 

Is there anything I should/shouldn't say in a letter in response?

 

Thanks again.

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Bump. Sorry! If anyone can assist it would be appreciated. Just wanting to know what I should put in a letter?

 

Thanks

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have you read the blog i mentioned?

 

there is no need to send them anything if you wish you could

but you need to pay 'something'

£1PCM is fine.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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ok, letter received at the weekend from the lovely BC basically asking me to complete an 'official Financial Statement form', and they they "cannot consider my circumstances unless this properly completed form is returned to us within SEVEN days."

 

I have read previously that this is option but what is peoples advice as the best way to deal with this?

 

Thanks in advance.

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Hi there

 

Personally I would not send them a financial statement. Their "official Financial Statement form" is just a load of wally. So is their statement about considering your circumstances. Your circumstances are nothing to do with them.

 

As dx says, pay them something even if its only £1 PCM. They can't have what you aint got.

 

And read the blog he mentions too

 

ims


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You can design your own Financial Statement or even use the one below provided by Ellen of the site team. As long as you sign it then you do NOT have to complete theirs. Do not identify your other creditors by name.. just put something like "Personal Loan", Credit Card 1, 2....

 

You do NOT have to provide bank statements, utility bills, wage slips, benefit advice notes.. .

 

When signing the statement, make your signature slightly different to that normally used or sign over a grid of "xxxx"

 

[ATTACH]28175[/ATTACH]


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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