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    • as i said unsure of what this 15% is about.   the FOS/FCA clearly describe how refund calcs show have been made the their relevant sites.   p'haps at this juncture it might be better to scan up to ONE multipage PDF their refund letters  another set of eyes is always belter.   please read our upload guide carefully      
    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
    • Dear All,   BN, BF, HB, - Thank you for your comments.    Yes sorry, i wanted to save some time by doing that as I wanted to carry out the posting ASAP OK, I have redacted the statement and it is attached here in the PDF doc.   Its our 2nd draft and I will fine tune it tonight / tomorow.   Thank you for putting me right.    Warm regards BF   Counterclaim-1.pdf
    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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DCA harassment for my deceased Grandfather...please help


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Hi, not sure if this is in the right place so please move it if need be.

 

My Grandfather died in August 2010 and ever since then I have had endless letters and calls to my mobile regarding a debt he apparently owes to Phillips & Cohen. They are making me ill.

 

As he & my Grandmother were never in debt ever in their lives & didn`t even have a credit card as they were `old school` & believed in saving for what you wanted, this matter is making me go crazy. They never bought anything with credit always cash from a shop.

 

They have continued to call & send the letters to me after I have sent a copy of his death certificate and several letters to them asking them to stop but they refuse to acknowledge that his has died and want the money from his estate, I think it`s £200 now. We could barely afford his funeral & had to get help from the DWP to pay as he`d been ill with cancer for many years and had strokes/TIAs since 1998.

 

All I can possibly even connect this to is an order I made online for him several years ago for some trousers which I paid for online with my credit card. As the order was going directly to him, I gave his address for delivery.

 

If anyone can help put a stop to this I will be forever grateful. I`m getting calls from 8am every day until 9pm and every letter with his name on asking for money upsets me all over again. They have his first name wrong and are addressing him by his middle name.

 

How can I get them to stop?

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Make a complaint to your local Trading Standards via http://www.direct.gov.uk/en/Governmentcitizensandrights/Consumerrights/index.htm

 

If your grandfather left no estate any debt he may have had would have died with him & you certainly are not responsible.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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17 Port & Maritime Regiment RCT

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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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Thank you so much for your quick reply.

 

I should`ve said that I contacted them last year & the only advice they gave was to write to the DCA with a copy of the death cert & they were convinced that would put a stop to it all.

It made no difference.

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'Phone consumer direct again and explain that you followed their earlier advice but these parasites are still harassing you, they should escalate the complaint.

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Is this Phillips & Cohen all the time

or is any other company chasing.

 

Brig.

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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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They are committing an offence under the Protection from Harassment Act 1997 and I would use that act against them and also claim compensation. As it is a criminal offence you can involve the police and they are obliged to act on your complaint.

Alternatively as you have already sent them a letter, send them another letter registered mail advising that if they contact you or your family again you will escalating the matter and seeking compensation through the courts for undue harassment under the Harassment Act or something along those lines.

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I`ve tried telling them that what they`re doing is harassment but they carry on. I wasn`t aware of the actual act though, thank you for that.

They were sending all the letters to my Nan`s address and I could see how much it was upsetting her so when I wrote to them telling them to stop and that he`d never bought anything ever from the internet I gave them my address to shield her from it all.

 

I hate them so much!! It feels like they are tarnishing his memory by accusing him of all this cr*p and lying all the time.

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Lisey, The way to go from here is to make a Formal Complaint

with a time limit of 7 days for a reply.

I would suggest that you say something like this.

Dear Sirs,

FORMAL COMPLAINT

 

Take note Mr.xxxxxx died on xxxxxxx copy of death certificate attached herewith.

The estate has been settled and there are no funds remaining,you will therefore

remove all data relating to this matter from your files forthwith, failure to do so

WILL result in action against your firm for harassment, and the OFT will be advised

of your conduct as will Consumer Direct.

I am sure I do not have to point out to you the relevent sections of the OFT Guidance 2003-2011

or the Harrasment Act (S).

This my bfinal response to you on this matter as the is no possible resolution to your claim.

send the recorded delivery addressed to the Compliance Manager.

 

Brig.

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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Happy to help Lisey let us know what

happens, there's more in the armoury

if needed.

 

Brig.

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 forget to add

 

and a complaint will be made to the Solicitors Regulatory Authority as your governing body.

 

The SRA won't do much but they are starting to clamp down on the 'solicitors for rent' who are specialising ONLY in debt collecting, deceased debt collecting has a lot of rules and this lot are taking the proverbial.

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