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    • Hi everyone, Apologies for bringing up the same topic regarding these individuals. I wish I had found this forum earlier, as I've seen very similar cases. However, I need your help in figuring out what to do next because we've involved our partners/resellers. I work as an IT Manager in a company outside of the UK. We acquired a license from a certified reseller (along with a support agreement) and also obtained training sessions from them. The issue arose when we needed to register two people for the training sessions, so we used an external laptop for the second user to keep up with the sessions for only a month. During this period, the laptop was solely used for the training sessions. After two weeks, my boss forwarded an email to me from Ms Vinces, stating that we are using illicit software from SolidWorks. Since this has never happened to me or anyone we know, I went into panic mode and had a meeting with her. During the meeting, we explained that we were using an external laptop solely for the training sessions and that the laptop had not been used within the company since her email. She informed us that for such cases, there are demos and special licenses (though our reseller did not mention these types of licenses when we made our initial purchase). She then mentioned that we had utilized products worth approximately €25k and presented us with two options: either pay the agreed value or acquire SolidWorks products. We expressed that the cost was too high, and our business couldn't support such expenses. I assured her that we would discuss the matter with the company board and get back to her. After the meeting, we contacted the company reseller from whom we purchased the license, explained the situation, and mentioned the use of an external laptop. They said they would speak to Maria and help mediate the situation. We hoped to significantly reduce the cost, perhaps to that of a 1-year professional license. Unfortunately, we were mistaken. The reseller mediated a value €2k less than what Maria had suggested (essentially, we would need to acquire two professional lifetime licenses and two years of support for a total of €23k). This amount is still beyond our means, but they insisted that the price was non-negotiable and wouldn't be reduced any further. The entire situation feels odd because she never provided us with addresses or other evidence (which I should have requested), and she's pressuring us to resolve the matter by the end of the month, with payment to be made through the reseller. This makes me feel as though the reseller is taking advantage of the situation to profit from it. Currently, we're trying to buy some time. We plan to meet with the reseller next week but are uncertain about how to proceed with them or whether we should respond to the mediator.
    • Thanks London  if I’ve read correctly the questionaire wants me to post his actual name on a public forum… is that correct.  I’ve only had a quick read so far
    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
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Lloyds TSB - Wescots and a passed on overdraft debt.


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First of all Id like to say I received great help with my council tax and rossendales debt here - and have paid that off and am continuing my complaints procedure against the council and rossendales.

 

Now I want to focus on paying off my non priority debts. The biggest is with Lloyds TSB - I feel I was enticed to take a rather large overdraft from them at quite a young age and have been struggling to pay it back ever since. Foolish of me I know but I know have to try and pay off this debt.

 

I asked them to close my account and sent them a form detailing my other debts - and offered to pay £1 every one or two weeks (cant remember exactly and Im away from where my letters are kept at the moment). I also requested they inform me as to where I should pay the money as my account is inactive.

 

I received no reply - after sending two or three more letters asking where I should pay my debt off still no reply.

 

My mother has now received a letter at her address from Wescots asking me to call and confirm it is me living there and if they hear nothing they will assume the information they hold is correct and will proceed with their process.

 

I have just (one week ago) moved to my mothers for the summer months in the hope of finding employment to earn some money before going back to uni in september. I usually live the other side of the country with no fixed abode - just a postal address at my fathers where I can get mail.

 

I was wondering how to approach this situation? I have no money as of yet - would they use bailiffs? or court action? I own nothing of value apart from course vital equipment (a laptop and speakers as im on a music degree)

 

Is it legal for them just to assume its the correct address if I don't reply? What if they had sent it to an empty house?!?!

 

Also can anybody recommend a (preferably) free company that will help sort out debt payment plans with my creditors so I can start getting myself out of this mess?

 

Regards - Elliot

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Lets be straight on the use of bailiffs they can only take action after a court has issued judgement and you 1 refuse to pay as ordered

or you default on a payment agreement, debt collectors have no more powers than you.

Go to your nearest CAB they will have details of debt management companies.

It always best if possible to deal with creditors directly if you can.

Assumptions as to what address letters are sent to and if you do or do not live there is simple DCA's will by nature assume that

if you do not reply that you are ignoring them,unless letters are returned unopened as not at this address.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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The CAB are great, but they usually have long waiting lists. There is, in fact most of what they can offer, that can be achieved more quickly with help from this site. Be very careful when chosing a DMC if they want to charge you, then leave well alone.

 

Lets see if we can get you some advice and assistance over this weekend which would mean you are ahead of the game. We need a little more information.

 

Firstly, when was the last payment/actual contact with Lloyds? You say you have sent them letters, did you, by any chance send them recorded so that you have a receipt.

 

With regard to the letter your mother received, to whom was this addressed?

 

They cannot have what you do not have, so try not to worry.

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Hi Elliot,

WEll done for sorting out Rossendales. Not nice people to deal with.

As Brig says, no worries about bailiffs unless you have an unpaid CCJ. Even then they can't force their way in. Your equipment would be classed as essential for your course work.

 

If you want to go on a debt management scheme you'll need to provide an address. If your Mum doesn't mind, hers is the obvious one to use as a C/O.

Don't use ANY company that takes a cut out of your payments.

The two main ones, which are free, are PAYPLAN and CCCS. You can get the ball rolling online if you wish...there's loads of info on the websites.

 

Golden rule is NEVER discuss anything with debt collectors on the phone. Keep everything in writing. Tell your mum the same if they ring there.

Have a read of my debt blog in the link below for further info how to handle these sharks. :-)

 

Elsa x

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The last time I made payment to lloyds was about three months ago now and the last time I received contact from lloyds was about two months ago - I did indeed send the letters to lloyds recorded delivery but I have lost a folder of correspondence that contained the receipts whilst moving for the summer.

 

The letter was addressed to me but the name was obscured by the envelope so my mother opened it - I was going to be moving to hers for the summer but now I weary as I dont want my mothers address being hassled for me, especially as I am only staying a few months in order to better my financial situation

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Thank you Undercover-Elsa - il have a read through. Rossendales are indeed nasty people to deal with and I do feel much better after conquering that hurdle.

 

Now to sort out the rest of my debts and hopefully have a slightly less stressful life!

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OK, as Elsa says, you will need to decide upon an address to use. As you are not attempting to 'run away' from this debt (well done for that), then, providing your mum does not mind, you could use her address, making sure that you inform them it is temporary until September when you will return to education and have a different address. Obviously, to protect your mum you will have to inform them when you move, but this should not be a problem as you are not 'running away'.

 

I would send Westclots a 'prove it letter' first, which puts them to proof that they are entitled to your money and you could amend the letter to include the above information, you could also inform them at the same time that all contact must be in writing only and no telephone calls are to be made as it is not your telephone number (should they have it).

 

Obviously, if you feel unable to do this, then as Elsa mentions above there are the two debt management companies she recomends, and you could get their assistance.

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How much (roughly) do you think you owe, Elliot?

Wondering if you might qualify for a debt relief order. (Debts under £15000, assets under £300 and disposable monthly income under £50)...a bit like a minibankruptcy, but debts wiped in 12 months. It does stay on your credit record for 6 yrs though, same as CCJ's and Defaults.

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Thank you harrassed senior - I just dont want my poor mother to be hassled over things that are my responsibility. I had this problem with rossendales acting on behalf of forest heath district council - hassling my father who had recently suffered a stroke. even after being informed in writting and over the phone and face to face with the bailiff that I did not live at his address.

 

I will inform them that it is a temporary contact address only.

 

Thanks for the advice

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Oh I owe well bellow that - about £2000 / £2500 in total - about half of that to lloyds. Asset wise my laptop is worth alot but macs are essential to the course (as I can not afford to travel to uni every single day on the off chance of getting to use one of their computers) - again my speakers are worth alot but are vital to the course. Would these things be taken into consideration when applying for a DRO?

 

I was looking at that earlier - not sure how f****d my credit is (probably quite badly anyway) so not sure what the best way to go about things would be. Would it look better if I carry on attempting to pay off the debts I owe rather than opting for that? I would like to be able to get a mortgage later in life :(

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Hi Elliot

 

Best of luck with things. I am in a similar situation with Lloyds regarding an overdraft. They passed things over to Wetcloths without any notice despite me paying back an agreed amount every month. As advised above, send them the 'prove it' letter letter first and see what they come back with. I did that and made a formal complaint to LLoyds about how they have handled things. Recieved a few letters (and quite a few telephone calls )from Wetcloths threatening doorstep visits etc but sent them the 'doorstep' and 'telephone' letter. They have since disappeared and now things are with Apex...

 

Keep fighting though.

I have alsoSAR'd Llloyds and have found charges-some of £90 a go! That will be part of another letter of complaint to be fired off soon.

 

Having looked at the previous posts-have you SAR'd them? There could be charges on the overdraft!?

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No probs - we have, for the most part been there, done that, and in some cases got the t shirt (Donkey anyway) sorry, thats' a whole new ball game!!

 

You are to be congratulated that you are not looking for a way out, but a sensible way to make repayments.

 

I assume you are not earning so on benefits? If this is the case even if it went to Court, which I am fairly sure it will not, a Judge would only order a payment of £1 per month. So, after they have proved to your satisfaction that you owe something and not necessarily all that they claim, (see above post re Charges etc). You can offer them as little as £1 per month, they won't accept it, but pay if regularly and they will not have a leg to stand on in Court because you are making the effort to service your debts.

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Im not entitled to benefits due to being in full time education.

 

How do I find out where to pay the money to if Lloyds will not tell (as is the case so far) and my account is effectively inactive?

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I have received a reply from Westcots. They have provided the details of the debt and whom it is owed to - they have asked me to provide full payment within 7 working days. and state that if I can not do this I must phone them immediately.

 

I have just started a new job this week - which they I assume are unaware of. This is in the hope to fund myself through the last year of uni due to start in september, but I obviously have my debt responsibilities to deal with as well. With my other debts I can not afford to pay them a great deal of money per month.

 

How do you suggest I respond to their letter? Im waiting to receive SAR back from Lloyds.

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Tell us a bit more about what you have received today please.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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