Uncle Buck and Carter Forbes

[jimbo73]

Surprise! another email.... anyone else had one of these... ? do I ignore it or respond..?

 

 

Following numerous attempts to help you come to an arrangement to settle your debt with Uncle Buck reference: xxxxx; we are 14 days away from vetting your account to issue court proceedings. As a final offer of help before court proceedings are issued we strongly advise you to consider the options below regarding a standing order payment plan.

Please see attached for our standing order mandate. Print, fill in all details (please quote the reference above as your payment reference) and post back to us.

You must pay a minimum of £5 per week/ £20 per month for interest to be frozen on your account.

The first payment date must be within the next 31 days and please ensure the payment frequency is correct as this will determine when we next collect payment. The Payment due day or date refers to whether it is a set day like a Friday or set date like the 30th that we are to collect the money on each month.

IF YOU HAVE ONLINE BANKING – Then you can set it up online. This is a lot easier and faster. If you need help doing this then just call your bank and they can help you with this or call one of our account managers on 0845 026 8038. Once set up please email us at so we can adjust your account accordingly and allocate you an account manager.

Alternatively, if you would prefer to clear your outstanding balance in a single payment we can offer you a heavily reduced settlement offer for up to 80% off your current balance. In order to receive a settlement offer you must call us on 0845 026 8038 and speak to one of our account managers.

If you need help filling out the standing order mandate please contact one of our account managers on 0845 026 8038

Please post back to:

 

 

Carter Forbes

Peter House

Oxford Street

Manchester

M1 5AN

 

 

Kindest Regards

Carter Forbes Collections

[toshyboy]

Hi guys

 

Has anybody had any further communications today? I have had all the e mails mentioned in this thread and in addition I received the below today:

 

"Following numerous attempts to contact you we have still not come to an arrangement to clear your outstanding balance.

 

Your outstanding balance is increasing, interest and charges have been added to the account and will continue to do so up until the point that a payment arrangement is made.

 

We understand you may not be able to make a full payment to clear the outstanding balance, below are the payment options which are available to you:

 

Payment plan paid via standing order for 12 months – we will reduce your balance to make this mutually acceptable

Settlement – loan capital + 1st months interest to clear the account in full and final settlement (it will NOT be noted as partially settled)

 

If you are struggling financially we do work closely with a leading debt management company called DSC, if you would like more information please do not hesitate to ask.

 

You can contact me simply by replying to this email or calling in on 0845 026 8038"

 

[dx100uk]

thats nice of them

they are taking off all the extras [that they cannot charges anyway]

and only charging you whatthey can legally hope to get

 

nice trick!!!

 

what the crap about not marking the cra?

 

repeat that bit as its written

 

dx

[padja]

just flogging you their debt management company to screw even more money out of you ignore

[sillygirl1]

They are not allowed to pass you to THEIR DMC, it doesn't state if it is a fee free one (bet it isn't, and bet it would take the most for UB). I think that warrants a complaint to the OFT and Trading Standards.

[cooldude1980]

Carter Forbes are dodgy all the way around...But at the end of the day everyone must remember that if it came to going to court they will settle for 1 Month interest and the initial loan. The fact that they settle for that suggests they know in their pea brains that this amount is all they can get.So anyone in the same boat - do not pay any more than this and do not offer more than you can afford. This should be £5-10 MAX

[Twister967]

I have just gone through the same experience as others posted here. I just can't believe that Carter Forbes are getting away with all of this. I had a payday debt with Uncle Bucks in 2008, which I honestly thought I'd cleared. I heard nothing from them until receiving a text last month (mid June) from Carter Forbes saying the debt had been passed to them and if I didn't get in touch they'd be arriving on my doorstep to collect it. I called them and was told that the debt now stood at over £1000 - how??! As far as I was concerned the account was cleared, and I'd had absolutely no contact from Uncle Buck during the intervening period. They obviously still had my phone number, which had not changed (and neither had my address - but nothing in the post), which was used by Carter Forbes to text me.

 

How can a debt be left unchased for 3 years while such a huge amount of interest accrues, and then they decide to try and collect the inflated amount??

 

Anyway, I agreed with Carter Forbes to pay £100 per month - the maximum I could afford, which I made perfectly clear to them. I made the first payment on my debit card and they told me that they would take £100 a month from the card on an agreed date. The next month I get a call from my bank telling me that they've taken the full £1000 - clearing my account out and leaving me not even 1p to live on during August - food, mortgage, travel to work etc. I called them and was told that they tried to take the £100 but card was rejected. My bank has confirmed that nobody tried to take £100 on the date stated by Carter Forbes, which I already knew because my pay was in before that date so money was definitely there. Have asked for evidence form them - no response.

 

I've made a complaint to Financial Ombudsman and CSA (Carter Forbes website says they subscribe to CSA code of conduct etc. etc.), and following good advice in this thread I'm also going to complain to the OFT and Trading Standards. These cowboys have to be regulated more strictly.

[dx100uk]

did you get the £1000 back if not do it now and dont stop still they [the bank] give it back under either the dd guarantee or chargeback

 

you do not owe that much, the max is the loan + 1 month interest

you also need to start your own thread

 

dx

[padja]

I think that post underlines the advice given throughout the forum, never ring and NEVER give debit/credit card details to these clowns.

[losingmymind]

Well, well, well... following my last post of July 11 in which I received an email saying I had 14 days before my account was to be vetted for legal action, I received another email from them this week exactly the same... saying that I had 14 days etc. Looks like this could be some merry-go-round if this continues every couple of weeks!

[losingmymind]

And now for the next instalment....

 

Email received today entitled Carter Forbes Offer of Assistance

 

LOSINGMYMIND

You currently have an outstanding Payday Loan account with Uncle Buck account reference: xxxxxxx.

It is essential that we come to an arrangement. Please call 0845 026 8042 to discuss our tailored repayment options, freezing any pending legal or enforcement action.

Your current representative balance is £2,944.66, please do not be alarmed by this amount; this is purely what your account should stand at with monthly interest accrued at the rate set out in your consumer credit agreement. However should we be able to agree an amicable repayment plan, we may be able to reduce your balance down to as little as £96.70.

Please reply to this email or call as a matter of urgency to discuss your account.

 

Regards

Carter Forbes Collections

 

If I remember correctly the sum £96.70 was what was owing to UB after all but one of my cheques bounced + UB's £10 charge. It still amazes me how they can make interest on £96.70 total nearly 3 grand in just 2 years. Thing is, I have not contacted them, and it's only now, 2 months after their initial email (and the shock of what they were claiming) that they're saying don't worry about it because we can get it reduced to £96! Yeah, like they're doing me some great favour!

[dx100uk]

played their ards

 

anyone offering a discount knows they are on dodgy ground

and thats why they are doing it

 

ofcouese there is no way they charge int past ome onth, and thats the carrot to spoof you into paying.

 

its quite possible that you owe the £97?

 

btw this is not your thread, you hi-jacked it i see!

 

dx

[sillygirl1]

Make sure that Trading Standards and the OFT see that farce of an email, that is WAY over the odds... I wonder what planet this lot are on?

[losingmymind]

Oh dear, have I ridden roughshod through forum etiquette? Apologies for hijacking, but I just thought that if all who are having identical experiences with CF came together to voice those experiences we could take some comfort in solidarity. All too often when you receive this sh1t you feel on your own. Also, if there is one thread dealing with a topic then it is better (imho) surely for our concerns to be dealt with on one thread rather than the people with the answers dealing with each thread separately. I don't know, maybe I'm wrong... just my thoughts. I'll stop rambling now.

 

Thanks for all the help and answers received on this thread.

[toshyboy]

Hi all

 

Has anybody else received a further e mail from these clowns? They have sent me another 1 today giving me 24 hours to pay:

 

You have an outstanding payday loan account with Uncle Buck, ref: xxxxxxx.

As of yet, no repayment arrangement has been agreed.

It is imperative that you contact us by 7pm today 31/08/2011 to make payment before your account is vetted for legal proceedings from tomorrow.

Call 0845 026 8042 to make payment via debit card or alternatively, reply to this email with the following details to make payment and we will reply with your receipt of payment:

· Long Debit Card Number

· Expiry Date

· Payment amount

· Date of next payment

Please contact by 7pm, if paid today, discounts of up to 50% may be offered.

We look forward to hearing your reply

 

Regards

Carter Forbes Collections

 

Does anyone think they may take a punt and go legal?

[sillygirl1]

COMPLAIN COMPLAIN COMPLAIN

 

Do not pay them any more than the original loan amount and one months interest - read this thread again.

[toshyboy]

COMPLAIN COMPLAIN COMPLAIN

 

Do not pay them any more than the original loan amount and one months interest - read this thread again.

 

Hi - I've just ignored them so far as I've not received anything via post or any calls, just these e mails - Dunno whether to keep ignoring or to respond. Seems like a fishing trip to me

[regurge]

Don't give your debit card details to these cowboys they will systematically empty out your bank account without your consent.

[losingmymind]

Toshyboy, I've had the same email as you from a couple of days ago, and 3 texts since 'asking' me to settle by 5pm on the 31st before it goes for legal vetting - funny that, as they've said for the past couple of months each time I haven't responded that my file is going for legal vetting, whatever that means, and it never has. I've also been told in the texts that discounts were only available up to 5pm yesterday. Ho hum... let's see what happens now we haven't responded.

[katiemc85]

i have just had £720 taken out of my account without my consent! i had the fraud team ringing me up form my bank investigating this, i dont know how they have taken payment as i have only just got a new bank card in the pass 2 weeks and have't provided them with it, but they have had my card number and have now swiped all my account out! surely they cant do that!

[sillygirl1]

They are NOT allowed to do that, complain to

 

http://www.tradingstandards.gov.uk

http://www.consumerdirect.gov.uk

 

Now go to the police and ask for a crime number (if they want to know why say you can claim back from the bank with one) then go to the nearest branch of your bank and put in a written formal complaint - give them the crime number at the same time and they will have to reverse the transaction.

 

Simply changing your card and account with the same bank is not enough. You need another account with another bank.

 

If you do not complain you are wasting your time coming onto this forum, yours may be the complaint that does make a difference come their CCL licence renewal time.

[mrgruff]

Do not give these clowns any of your card or bank details at all please. Sorry to hear of what happened to you katiemc85.I have written offering them the original loan plus one month's interest, and disputed all the additional charges. They then replied to say that the minimum they could accept was just over twice this amount - a fifth of the alleged balance but still completely unenforceable, and without any logic either. I presume this is a reflection of the amount they bought the debt for or their charging structure to Uncle Buck rather than anything else.I now keep asking them for sort code/account number and reference to quote so that I can pay them via bill payments, and referred to OFT guidance on accepting smaller payments. No response. Instead, texts now threatening doorstep collection instead of "legal vetting". Nonsense, will now be ignored completely.

[padja]

Oft have just stripped a DCA of their licence and warned 119 about there actions so complain complain complain your complaint could be the one that gets them put out of business

[toshyboy]

Hi all

 

Has anyone had another e mail from them today? This one a bit "nastier" all in caps and bold letters:

 

As you are aware your Pay Day Loan account has been passed over to ourselves at Carter Forbes.

We have given you ample opportunity to contact us regarding this over due account.

This is your last chance to either come up with a settlement or payment plan for the 30/11/2011

Failure to contact us today will result in further action.

Todd Geisel 0845 026 8042

[dx100uk]

like what court!!

 

yea ok

 

judge will have a hissy fit at that interest rate!!

 

dx