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HELP!!! Depressed I am receiving TEXT THREATS from Carter Forbes


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Never ever telephone DCA's for any reason, they will only try to intimidate you

into payments.

 

Thanks B, I will not call them.

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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I wouldn`t ring that number in the text in case it costs a bomb...

Just try and block it and continue with life.

I know there is an iphone App that can block unlimited but not sure about mobiles.

 

Thanks, Andy am gonna ignore the texts and have emailed O2 to ask if I can block unknown msgs etc

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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***CF Legal/Carter Forbes Debt - have started texting me again today*** The text reads as follows:

 

"MADHAFU, You have an outstanding debt with Uncle Buck of £4,472.50 call 08450268038 today before your account is vetted for legal action."

 

Guys, how does a payday loan I believe may have been for like £200 become almost £5,000? I'm helpless right now. Does this mean they are now starting something legally?

Although, I can't remember not paying that one off payday loan, I have NEVER borrowed anything above a small amount of £200 AND if I was aware this was not repaid why did they wait to chase me today? Almost 3yrs later! I have no money to even pay the damn £200 if it came to that and I am almost sure I parted with money to pay them how could I have not heard from them for 3yrs??? They would be chasing me...but, I never moved houses or changed my no. so this frightens me.

 

***HELP!*** What now...?

Edited by Madhafu
ps. couldn't block texts :(

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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***CF Legal/Carter Forbes Debt - have started texting me again today*** The text reads as follows:

 

"MADHAFU, You have an outstanding debt with Uncle Buck of £4,472.50 call 08450268038 today before your account is vetted for legal action."

 

Guys, how does a payday loan I believe may have been for like £200 become almost £5,000? I'm helpless right now. Does this mean they are now starting something legally?

Although, I can't remember not paying that one off payday loan, I have NEVER borrowed anything above a small amount of £200 AND if I was aware this was not repaid why did they wait to chase me today? Almost 3yrs later! I have no money to even pay the damn £200 if it came to that and I am almost sure I parted with money to pay them how could I have not heard from them for 3yrs??? They would be chasing me...but, I never moved houses or changed my no. so this frightens me.

 

***HELP!*** What now...?

 

Hi, I would get A Subject Access Request Off To Payday asap to the details of interest and charges applied to the account.

Together with all the other data they hold this costs £10.00 they have 40 days to reply.

Send RD post and address to the Compliance Manager

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

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I would go to the police, there is a [problem] at the moment where people are told they have an outstanding loan and if they pay £500 it will be written off, despite the fact that the company are claiming £5,000. Ask to speak to the money laundering lot.....

 

This company are not bailiffs and have very little to go to court on.

 

In fact one of the simplest ways of dealing with them is issuing a 7 day notice of Legal Intention and then issuing an N1 claim form, don't bother SARing or CCAing them as they won't have anything worth the money.

 

They can't bump up £200 to the amount they claim under any law, and perhaps we should bring in Sharia law for payday loans, that way they can't charge interest on the money lent and make a huge profit.

 

The interest rates alone are questionable....

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I would go to the police, there is a [problem] at the moment where people are told they have an outstanding loan and if they pay £500 it will be written off, despite the fact that the company are claiming £5,000. Ask to speak to the money laundering lot.....

 

This company are not bailiffs and have very little to go to court on.

 

In fact one of the simplest ways of dealing with them is issuing a 7 day notice of Legal Intention and then issuing an N1 claim form, don't bother SARing or CCAing them as they won't have anything worth the money.

 

They can't bump up £200 to the amount they claim under any law, and perhaps we should bring in Sharia law for payday loans, that way they can't charge interest on the money lent and make a huge profit.

 

The interest rates alone are questionable....

 

Thank you sillygirl1 I just felt num since yesterday, it's 1 thing to fight Uncle Buck with why they never called/emailed/wrote to me if I owed them that £200 but, it's another to say that £200 is now over £4,000 owed!? Guys, I dnt know why I'm struggling so much with acting here, I'm just low right now, trying to find a job and the next thing I get is this awful experience of texts and claims. SHALL I KEEP IGNORING? I DNT EVEN HAVE A REFERENCE NO. TO CONTACT THEM EXCEPT GIVE THEM MY DETAILS WHEN I RING THEM WHICH IF THEY DNT HAVE THEM, I WON'T GIVE THEM since it'll be making it all too easy for them..?

 

SHALL I STILL WAIT UNTIL SOMETHING OFFICIAL COMES IN THE POST? ARE THEY JUST PLAYING WITH MY HEAD GUYS?

 

Sorry I know you guys said, ignore it for now unless something more concrete i.e. written letter comes with proper accounts references and my full details etc BUT, still nothing has come except the depressing texts. O2 said they could not stop the texts unless I change my no. as I am already ex directory listed or smthng.. How much more can I take. I think now I'll delete them before reading the texts since you guys confirmed, you can't take someone to Court with only communicating by text can you. Why dnt they attempt to call/write if there is some real truth to their accusations? They have my no. already.. You guys are right maybe I'm stressing too much but, I got wound up by that large sum of money now.

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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IMHO you must again write and insist that all phone calls and/or e-mail contact must cease.

You term this as A LETTER BEFORE ACTION.

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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Don't delete the texts, can you print them out? You need them for evidence.

 

I know about feeling low, I too am jobhunting, been doing it since February, seems nobody wants a 53 year old director level administrator who has taken minutes of meetings with the likes of Bob Crow in attendance. Been to sign on today even though I have a very sore throat andd on penicillin and sleeping tablets.

 

They CAN'T suddenly chase after 3 years of silence, the court would want to know why they waited, and how they got £200 to £4,000.

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This is a very good link

 

http://www.ripofftipoff.net/loans.htm

 

sillygirl1 Thank you for this.

I went to site and it led me to a trading standards site which linked to the legal money lending team etc and I called them and discussed what happened and they said we will investigate Uncle Buck and call you next week with what we find. We have to make sure they have a valid consumer licence since the time you took the loan 3-4yrs ago and then we can see if there is anything that can be done on our end. He also said, if they have had a valid consumer licence since the time you had a loan, maybe they sold your debt to a debt collection agent and they took a long time before they got to me i.e. Carter Forbes and their Bailiff friends and partners etc. The problem though is if I have had the same phone no. the same home address and the same email address why wait for over 3yrs to claim £200 if indeed it was owed and the company hold your correct contact details, why go to a debt collector and sell off a debt that is not irrecoverable from their perspective? I hope he finds out about them and then if they had a licence when I had my loan then it becomes complicated due to the right to add interest but, the fact that I did not change my no./address/email address and if I physically signed an agreement or not etc. I dnt recall signing an agreement, maybe I did but, they gave payday loans via email and you send your payslip etc as evidence of income etc but, nothing was sent in writing but, that's as much as I can recall as it is almost 4yrs ago. Oh God, £4,472 is a lot of money, do they realise the impact it has on the pple gettin their msgs...or I guess that is what they want :(

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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Don't delete the texts, can you print them out? You need them for evidence.

 

I know about feeling low, I too am jobhunting, been doing it since February, seems nobody wants a 53 year old director level administrator who has taken minutes of meetings with the likes of Bob Crow in attendance. Been to sign on today even though I have a very sore throat andd on penicillin and sleeping tablets.

 

They CAN'T suddenly chase after 3 years of silence, the court would want to know why they waited, and how they got £200 to £4,000.

 

Get well soon and I pray you find something soon, if I owned a co. I'd hire you anyday, experience is a key asset.

 

I will wait to hear back from the pple you kindly pointed me to and see what will happen next. It is the last thing I want right now, when I just want to do my job hunting in peace, I have to stop worry and get depressed with these msgs. I will definitely save them and I think I can print them off my pc when I connect my mobile and view msgs. Thanks for that, I will save them all now and back up my texts on the O2 site.

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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Thanks, can you click on my star and give me a rep comment.

 

I think that site is going to prove useful against the PDL companies and their 'group licenced' friends.

 

I got it when I went to the local council and they had a very informative (for once) single page flyer about scams, apparently the local leaflet is updated monthly as some of the scams are seasonal. Fake Christmas clubs and fake Christmas catalogues are hot news on their last one.

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They don't give a toss I'm afraid, I have a rule never to make any financial agreement by e-mail,

and always require hard copy by post of ant contracts for credit (only got 2) and both co-operrated.

  • Confused 1

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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IMHO you must again write and insist that all phone calls and/or e-mail contact must cease.

You term this as A LETTER BEFORE ACTION.

 

BRIGADIER2JCS thank you. I will draft a letter as you have said and just put the mobile no as a reference and no address/full name/signature? since they only seem to have my mobile no. and 1st name only too. I will also hear from the legal money lending team next week about their licence and if they can intervene i.e. anything shady going on. Thnk u

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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Thanks, can you click on my star and give me a rep comment.

 

I think that site is going to prove useful against the PDL companies and their 'group licenced' friends.

 

I got it when I went to the local council and they had a very informative (for once) single page flyer about scams, apparently the local leaflet is updated monthly as some of the scams are seasonal. Fake Christmas clubs and fake Christmas catalogues are hot news on their last one.

 

Wow, it is helpful - thanks. I felt like maybe I have made a step towards knowing what I am dealing with in terms of Uncle Buck and Carter Forbes Legal and their associates.

PS. I think I've clicked your star 3 times, lol since last week and it said spread your reputation rating around before adding again lol. I am grateful I have rep rated each one who's given me any input :)

WF PPI Claim WON :grin:

Incl.8% INTEREST etc total £2231 SETTLED 4wks! :wink:

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