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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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Barclays just sold my OD debt to Lowells


Orchid47
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Please can you help me?

 

I have suffered huge financial problems with the Recession. I have a £6K personal overdraft with Barclays.

In Feb 2010 I wrote to Barclays and explained I couldnt pay my Overdraft, explained why not and please could I pay a token gesture of £1 per month until things improved.

 

They agreed and so I've been doing this.

 

I also at the same time requested an SAR from the bank which they sent me (pages and pages of it)

 

Two weeks ago I opened a letter from Lowell's to say Barclays had sold on my debt to them and can I contact them to arrange a payment plan.

 

I have now got to do this, but just wanted to check with you guys how I should do this?

 

My personal financial situation is still dire.

 

I've a LTD company but just manage to get barely enough work each month to pay work bills etc.

I'm not going to give up my business.

I dont and havent paid myself a wage for several years, just want the company to survive until the downturn picks back up.

 

I refuse to give up and go on Income Support.

 

Please advise me on how best to deal with Lowell.

 

I've a 14 year old, a new partner (whos also self employed with minimal work)

 

Thanks

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Hi welcome to CAG,

The bank can sell a debt at anytime.

Have you checked your credit files

recently?

Quite simple really write to Lowell

and tell them you had a payment

arrangement with Barclays and you

will be making the same payment of

£1.00 per month by standing order,

they'll bleat and moan about it must

be a direct debit, but you are in charge

of your money and you know what is

reasonable for your situation.

Debt collection agencies have no powers

at all so if they want I&E details refuse to

comply.

Keep ebverything in writting Lowell like

to intimidate on the phone.

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

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Can I apply for a Hardship claim even though Barclays have closed my account and sold the debt?

 

Thanks so much for any advice its hugely appreciated.

 

Yes I will do all correspondance by letter. I dont telephone call anyone because they treat you like scrum!

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I don't think you'll need to do that, you

had a payment arrangement on the account

agreed and working, even if this was escalated

to court they would ge no more than the £1.

Just remember your in charge Lowell most

certainly are not!!!

  • Confused 1

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Orchid - yes, you can write to Barclays regarding a hardship claim, as they are the institution that took excessive charges in the first place. Follow Rebel's link and if you need any help, just let us know.

 

I managed to get just over £600 back from Barclays due to a hardship claim two years ago due to what I conjectured were excessive charges and interst on charges that were levied at a disproportionate rate.

 

Best of luck.

 

H. x

 

 

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One more quick question, hope you dont mind

 

I have been in financial difficulties since 2010, my income and situation havent changed in the last two years, I'm just trying to get by until things pick up again, so is it OK for me to still ask to pay £1?

I really dont have anymore money I can afford as I've no income apart from a little bit of working tax credit

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Just discovered I was paying Barclays an Overdraft Protection fee each month, I'm not sure how long I paid it for at this precise moment, but it was in the reagion of £32 per month at 0.80p per item.

Is this the same as PPI?????

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Not the same, but you can still reclaim it if it was mis-sold.

 

"Just as in the case of payment protection insurance you would expect the lender, or the banker in this case, to give the customer the opportunity to buy into the program. Payment protection insurance as well as overdraft protection are not mandatory and the banker cannot ask you to opt out of them but must rather ask you to opt in. If you were not given that option to have cover on bank charges for insufficient funds then indeed you were mis-sold this insurance and are entitled to make a PPI claim against the bank. There are however some differences. Overdraft protection can be purchased by people who are self-employed or temporarily employed because it doesn't take over payments on loan rather it helps you to avoid bank charges for insufficient funds if the check should go through before other funds are clear.

 

If the financial institution mis-sold you overdraft protection you do have recourse to get your money back. In similar fashion to submitting a PPI claim to recover money you would also submit a claim against overdraft protection for insufficient funds. The unfortunate thing about this particular cover is that it can indeed help those individuals who have trouble balancing their checking accounts and are constantly plagued with bank charges for insufficient funds. Unlike payment protection insurance, overdraft protection can actually be utilized by everyone as we all are subject to making an occasional mistake in keeping records. If your bank or refuses to refund your money when you bring a claim against that financial institution for mis-sold insurance that is supposed to cover bank charges for insufficient funds, you can always appeal the decision with the Financial Ombudsman Service."

 

- from ppiclaimcompany.co.uk

 

 

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Ok, I'm a bit confused here.

I had an Overdraft facility of £6k.

 

I didnt exceed my overdaft limit. But they still charged every month a set Over Draft Protection service charge of £32 dating back as far as 2005 when I took out the Overdraft.

????????

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Whether you used the facility or not is a bit of a moot point. You had the O/D protection insurance. Was it mis-sold? In other words, were you given the option to opt-in to the insurance or did they just take it as read and tick the box for you? If they didn't inform you that it was "opt-in" and/or suggested that it was a prerequisite of the O/D arrangement, then it was technically mis-sold and you may well have a claim.

 

 

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Ok some banks charge a ''management'' for want of

a better phrase to cover the costs of servicing the account,

usually a minimal amount.

My question would be what was the protection provided

and was I compelled to have this to get the overdarft facility.

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!

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Ok, does a SAR include any copies of agreements taken out?

 

I cant find anything that explains what it is for.

 

What shall I do?

 

All I have is a letter with two pages of details of interest and charges applicable to the overdraft,

but nothing that I can see refers to the £32 per month charge.

 

Its my bank statements that refer to the Overdraft Protection fee each month and the deduction

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A SAR should include a copy of the original agreement, statements (detailing payments, credits, debits and charges) and any other information regarding the account. If you send a SAR, it should show the O/D charges as well - part of the financial transactions/charges directly relating to the account. If not included, you're within your rights to write and ask why, copying your letter to OFT, FoS, etc.

 

Make sure you keep all those bank statements. They're your proof and it will also save you time/money requesting copies again if they're not included in the SAR.

 

 

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  • 4 months later...

Ok, SAR in hand.

What on earth do I need to look for now??????

Its massive and soooo complicated to make sense of.

 

I cant find any agreements in the SAR for my overdraft and any info on the overdraft insurance which they took each month since Dec 03.

I can see interest charges and unpaid charges.

 

I've received a letter in the post today saying

"as I have failed to pay my account will be sent to Tocatto Ltd who will be instructed to pursue the debt and recover the full balance"

So, any advice would be hugely appreciated

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There is no regulated agreement for an overdraft!

I would write to the Data Controller regarding the insurance they

should supply the details of the cover and premiums, but I think

they may come back with that they acted as introducer only to a 3rd

party insurer.

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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Tocatto are in the same offices as Lowells....

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Tocatto Ltd5069843

 

Categories:

 

Consumer credit Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Carringtons Veriti

 

Issued Date: 14-Jul-2004

Date Maintenance Payment Due: 13-Jul-2014

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Andrew Paul Bartle James John Cornell Joyce Elizabeth Newman PHILIP SCREETON Richard Llewellyn Davies

 

Historic Individuals that run the organisation:

 

NamePosition Chris Sales Christopher Michael SalesOFFICER Hugh RichardsDIRECTOR Joyce Elizabeth NewmanOFFICER Tom Sweet-EscottDIRECTOR

 

Nature of Business:

 

Other

 

Current Address(es):

 

Address TypeAddress CorrespondenceEnterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom Principal Place Of BusinessUnit 5, Fulwood Park, Caxton Road, Fulwood, PRESTON, PR2 9NZ, United Kingdom Registered OfficeInterchange, 3, Apex View, LEEDS, LS11 9BH, United Kingdom

 

Historic Address(es):

 

Address TypeAddress Principal Place Of BusinessEnterprise House, 1, Apex View, Leeds, LS11 9BH Principal Place Of BusinessEnterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom Principal Place Of BusinessProtection House, 83, Bradford Road, Stanningley, Leeds, LS28 6AT Registered OfficeByron House, 7, St. James Street, London, SW1A 1EE Registered OfficeEnterprise House, 1, Apex View, Leeds, LS11 9BH Registered OfficeEnterprise House, 1, Apex View, LEEDS, LS11 9BH, United Kingdom

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