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    • I am helping my niece on an overdraft debit originally with the Bank of Scotland that was bought by Intrum.  I would appreciate any help and advice. . . here is the story so far: The bank account was in my niece’s name that had an overdraft facility. My niece and her partner, at that time, run into some financial hardship caused her to default in account, March 2017. They agreed with bank to settle the outstanding some but removing the excessive charges. My niece’s partner claimed that he paid the agreed sum and the couple never heard any more from the bank on the issue until started to their claim. Unfortunately all the records of the settlement is with my noises x-partner. So we have not much to go on other than retrieve all the bank records on the account. Intrum bought the debit on 28/11/2018. Intrum filed to recover the debit with the Simple Procedure court in Glasgow in April 2020. I have send SAR letter to the Bank of Scotland but had no response from them yet, perhaps because of the current Pandemic situation. The court directed me to call the original loan holder to the Case Management discussion, by filling in some legal form, to answer to present their legitimacy of the debit.  I would be grateful if anyone could have help with your views on the best way to proceed.
    • How do I know what to reply though and how to get it right.  I may have had 12 months to sort it but I simply have not been able to afford to keep it up. In December I had high hopes but circumstances completely out of my control at that time meant rightly or wrongly my bank account was not on my mind. Bear in mind I have taken out 2000 and paid back 4700 or thereabouts. So it certainly isn’t the case that I never ever paid them or tried to run away.  I have made substantial payments throughout these couple of years. 
    • get some CCA request s running tomorrow. without enforceable paperwork no-one is going near a courtroom door. wait and see what toilet paper each one returns with. they have 12+2 days else one of your options is too cease payment until they do.    
    • Hi  I wonder if anyone can assist. We purchased a proform treadmill from Sweatband.com approximately 3 months ago. It is a fairly large treadmill and we purchased with the intention of putting into our garage which has electrical wiring and my partner has a turbo trainer already in there (has been for years). Only when the treadmill got delivered did it the warranty documents advise against keeping it in the garage. No where on the website for Sweatband or the manufacturer's website does it recommend the treadmill is not kept in the garage. The sweatband website has a treadmill buyer's guide where it actually comments that people like to put treadmills in the garage but consider the head height. So it is only after you have purchased and taken delivery of the treadmill are you advised not to keep it in the garage.    We took delivery and set it up on a proper gym mat. We make sure to turn it off when not in use and to cover the treadmill when not in use. It has been working fine. I used on Friday night and then on Saturday morning when I went to switch on the electrics have stopped.    Sweatband are now redirecting us to the manufacturer who are saying we have the item in an unsuitable environment and this will void our warranty.  The item is so big we cannot physically lift it out of the garage and we do not have a room in the house big enough to store it.    Has anyone had any similar problems with treadmills in the garage and it affecting the warranty? We feel we have been mis-sold a product as it is only after you have taken delivery are you told you cannot store in the garage despite the seller's guide making reference to where to store your treadmill and making reference to the garage but failing to warn it is against advice to store it there. We would have never bought the treadmill if we knew it was unsuitable for the garage.    Also we made the transaction via paypal but using our credit card. Do we have any protection with our credit card or paypal? The cost was £1,500 so we do feel it should last longer than 3 months.   Any help or advice would be much appreciated.   Thanks  EM0149 
    • they weren't enforcement officer, they were a powerless DCA.   the point of only getting 2 days to raise £1500 (not £1800 the £300 repo fee is an unlawful penalty) is one we shall use. BUT!!!....... you can't call the kettle back , you've had more then 12mts to sort this out, you haven't, so the other points are pretty much irrelevant, it works both ways .   your reply has got to be very very carefully worded in most certainly wont be tonight nor tomorrow you should answer poss by friday, you rush back with a poor reply you play right into their games. don't!!  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Complaining when harassed by a DCA


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I started receiving letters from a DCA, saying I hadn't kept up with my agreed repayment plan and that I had to phone them, etc.

 

I replied, saying that on the contrary, I HAD kept to the plan and that I viewed their correspondence as personally distressing and invoiced them for distress caused, plus costs.

 

They refused to pay the invoice and still denied I had a repayment plan. As luck would have it, their printer monkeys (just the next day) wrote, saying,

 

"Dear Halibutt,

 

Thank you for maintaining payments in accordance with your agreed arrangement. The arrangement period is due to expire within 30 days (of xx/xx/xx) and we require new proposals from you to repay the balance remaining on your account.”

 

 

So, the reason I'm posting this is to show that it is possible to get results and give an example of the way I went about it - for anyone else wishing to take action in similar circumstances, the following is the last letter I wrote to them:

 

 

By Royal Mail Recorded Delivery

 

 

Dear Mr xxxxxxx,

 

Account Number: 123456789

 

I refer to your letter, dated xx/xx/xx and your erroneous assertion that I currently have no current agreed repayment plan with your company regarding the above account.

I quote directly from the letter received from Mr. xxxxxxx, Manager, (DCA), dated xx/xx/xx (copy enclosed for your convenience) which very clearly states:

 

“Thank you for maintaining payments in accordance with your agreed arrangement.

The arrangement period is due to expire within 30 days (of xx/xx/xx) and we require new proposals from you to repay the balance remaining on your account.”

 

Accordingly, I reiterate my assertion that either your company has failed in your written commitment to adequately monitor the above account as assured by Mr. xxxxxx in his letter of xx/xx/xx, or that you are following a deliberately vexatious course of action, disregarding my best and honest attempts to maintain my repayment plan as agreed, in direct contravention of OFT and FSO guidelines. Your letter of xx/xx/xx suggests the latter.

 

I also note your current reluctance to reconcile the invoice included in my letter of xx/xx/xx, detailing my genuine claim for undue personal distress, plus expenses incurred due to formulating and sending responses to your erroneous and unnecessarily distressing correspondence.

 

I trust that in light of your company’s previous correspondence and Mr. xxxxxx’s subsequent letter, that you will acknowledge that you have failed in your duty to fulfil your obligations in this matter under current regulation and regulatory bodies’ guidelines.

 

As a result of this, the amount outstanding from my previous invoice, in addition to charges for this letter and the enclosed documents is now £xx.xx

 

A full breakdown of the above amount is clearly set out in the enclosed invoice and accordingly, I will expect your remittance by cheque(s) to the above address within the time limits outlined.

 

As previously advised, any further correspondence necessitated in this matter that is not directly in relation to reasonable repayment arrangement requests or agreements, excepting any request(s) for a receipt for your remittance(s) for the enclosed invoice(s), will be charged at similar rates.

 

As a gesture of goodwill, no interest will be charged on the amount(s) outstanding, however, I reserve the right to add charges for late payments at a rate of £12 per invoice per 28 day period, in the unfortunate event that this should become necessary due to non-payment.

 

I would, of course, prefer to settle this situation amicably, but reserve the right to take this matter further with the OFT, Trading Standards, FOS and possible Small Claims Court action, submitting all relevant correspondence and proof of expenses, as may be necessary in the prosecution of a claim.

 

I will be responding appropriately to Mr. xxxxxx within the timescale he outlines in his letter of xx/xx/xx, to agree the continuance of a mutually satisfactory repayment plan.

 

Yours sincerely,

Halibutt

 

 

Invoice For Amounts Owed

 

RE: Account Number 123456789

 

 

xx/xx/xx - Remittance due by xx/xx/xx

 

Compensation for undue distress/time taken to formulate response/compose reply

@ £25 per hour - 1 hour, xx/xx/xx

 

£25.00

 

 

Postage cost - Royal Mail Recorded Delivery x 1

£01.35

 

 

Printing cost per A4 sheet x 2 @ 15p per sheet

£00.30

 

 

Photocopying costs per A4 sheet x 2 @ 10p per sheet

£00.20

 

 

Total:

£26.85

 

 

 

xx/xx/xx - Remittance due by xx/xx/xx

 

Compensation for undue distress/time taken to formulate response/compose reply

@ £25 per hour - 2 hours, xx/xx/xx

 

£50.00

 

 

Postage cost - Royal Mail Recorded Delivery x 1

£01.35

 

 

Printing cost per A4 sheet x 3 @ 15p per sheet

£00.45

 

 

Photocopying costs per A4 sheet x 2 @ 10p per sheet

£00.20

 

 

Total:

£52.00

 

 

 

 

 

Current Amount Owed:

 

 

£78.85

 

 

Your remittance(s) should be forwarded by cheque(s) made payable to Halibutt at the above address, by the “due by” dates stated.

 

Please note that I reserve the right to add a late payment fee of £12 per 28 day period per invoice at my discretion.

 

Thank you for your time and consideration in this matter.

 

I look forward to your timely settlement of this invoice.

 

 

Halibutt

 

 

The response was an apology and a cheque for £50 as a "good will gesture".

 

 

So, a reasonably worded complaint, backed up with irrefutable evidence can sometimes get results, even from DCAs.

I've not identified the DCA involved - simply because they actually did resolve the matter to my satisfaction, especially considering that I'm paying £1 a month, so they've covered my next four years' payments - should I still find myself in difficulties (I hope not).

 

Anyway, I hope this post might help anyone dealing with less scrupulous DCAs.

 

H. x

Edited by Halibutt

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Sorry, duplicate post...

Edited by Halibutt
Duplicate post

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Cheers guys. I think it's worth highlighting that I claimed for "Undue distress" as advised in a previous CAG thread, where the judge suggested that it would be the best way forward in a compensation claim, rather than emphasising costs.

 

So thanks to the original CAG poster (sorry, can't remember who that was now).

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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It was a very posh-looking cheque too, with gold lettering and a hologram:

 

Cheque.jpg

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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  • 2 weeks later...

Nice one, I have advocated doing this for a while now, not had an opportunity for myself yet but will do similar should the need arise.

 

You could also add a couple of hours at the LIP rate for completeness!!

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Could do Sillygirl, put I didn't want to push it. However, just had another printer-monkey letter from them saying "No agreement, blah blah" though they signed for my letter proposing repayments over a month ago and still haven't replied.

I feel another letter and invoice coming on.

 

If they don't get this sorted out as they've promised (in writing) on two occasions now, then I WILL be taking them to Small Claims Court.

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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  • 2 months later...

It's a DCA working under the umbrella of iDem Servicing - a company that a few of us highlighted earlier this year when they took over Arden Credit Management.

 

They don't seem to be particularly organised and, as with many DCAs that I've had dealings with, they tend to send out computer generated letters as a matter of course, rather than examining the current state of the account/alleged debt owed.

 

As many advise here, if you DO wish to contact them by letter to resolve any problems, it's best to address the letter to a specific person. In these cases, I always send correspondence by Recorded Delivery, though you can simply request proof of posting from the post office.

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Hi everyone, I'm new to this site but registered after googling Arden to find out if other people had been having trouble with them, and to share my story and what I'm doing.

 

I had an arrangement with them (originally Mint loans) to make affordable repayments of £40 per month for 6 months. As soon as six months passed, I was contacted by phone demanding a review of my circumstances to see if the payments could be increased. I said everything was the same and I would continue to make the payments as before, and send out an updated (but very similar) income/expenditure statement because I didnt have all those details in my head, naturally.

 

From then on every day for about 10 days I got inundated wit phone calls asking for the same information, an average of 10 calls per day. I kept saying the information had been posted, but the calls still came. One staff member asked for a £10 'Holding Fee' which would stop the calls for a time, until my information was processed, and stupidly I paid this fee. I was told later this would not stop the calls.

 

Eventually the calls did stop, but only after telling them I was going to report them to the police for harrassment. I complained to Arden in writing about my treatment, and the holding fee - and had no reply at all.

 

After no reply to my written complaints after 8 weeks had passed, (and researching using internet!) I wrote to both the FSA and the OFT to complain about Arden. The FSA have just wrote back saying there is an approx. wait of 8 weeks till I hear from them again due to a large number of complaints. The office of fair trading do not investigate individual complaints, but do look into whether companies are fit an proper to hold a credit licence. So my complaint is now on their files and if there are several complaints they may investigate further.

 

That's basically my story so far. I would urge others in the same boat as me to complain in writing and hopefully get this disgraceful company closed down.

 

please start a new thread

 

see below

 

dx

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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tvd has his own thread now. For anyone able to assist, please click on the link below.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?358710-tvd-v-Arden

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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I didnt think the FSA investigated individual complaints either ?

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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I didnt think the FSA investigated individual complaints either ?

 

The meant the FOS. The FSA will not in 99.9% of cases investigate any individual complaints. But I believe that there are instances where they will, if the complaint is of a very serious nature. I presume that there will be cases where the FSA would have no choice, if they are supplied with evidence of serious breaches of regulatory rules.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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I have been doing that Halibut with all mine for any correspondence needed. Only had one payment from Fred's/Argoose when they sent me someone else's CCA / Application form...!!!!!!!!!!!!!!!!! At least it keep's them on there toes. Oh and as Sandanter would not refund me PPI for me Debenhams card I did the calculation and deducted it from me total, paid the balance off. They write now and again threatening all sorts but as I say, see you in court oh and £12. + the bit's and peices for paper stamp etc.... Might increase mine though to £25 !!!!!!!!!!!!!!!!! at the moment they owe me.

[sIGPIC][/sIGPIC]Happyhippy1959

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Well done but the next letter will probably state that they understand that your financial situation has improved so they are cancelling the agreed payment plan and could you please phone to arrange a new one :evil:

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