speed credit

[renegadeimp]

Speedcredit for all intents and purposes have lost their licence. Remember, the 28 days was just for them to submit the appeal. Their appeal still needs to be revised and considered and a result granted.

 

As for the others, we already have multiple reports from different posters that have quoted the OFT in correspondance saying that all the companies involved are under investigation due to a lot of reports.

 

We and a lot of other sites know, and indeed others have gone into great detail about how they are all connected. It's just a matter of time before it reveals itself to the regulators.

 

As for SC, do a search on a few other consumer sites. You'll see that SC have "sold" a heck of a lot of debts off during the appeal stage.

[renegadeimp]

Yep. Same company, just a different trading name.

[renegadeimp]

They wont do that. To place a notice on a licence or to revoke it, they need concrete and absolute proof.

[renegadeimp]

There are no laws as such. Just guidance. This is because the current goverent favour big business over the consumer and wont change the law.

[renegadeimp]

Exactly tink. However, you can force the regulators to use their powers as long as enough people complain. Unfortunately instead of listening to consumers, the government forces them to adhere to targets. So a certain level of complaints must be made before an investigation is even considered. It's a very biased situation and isnt looking to be sorted anytime in the near future.

[renegadeimp]

Nope. No need to mention it unless needed. It's better to deal directly with your issue, then if they try to backtrack, you can call them out. I've helped someone else on here do that exact thing, and it resulted in all parties involved backing right down and accepting the debtors proposals completely.

[renegadeimp]

It was not a bailiff and you MUST report him asap. It was a dorstep collector who has no powers at all.

 

If he comes again, tell him to sod off or the police will be called and yoh will have him forcibly removed and charged woth breach of the peace.

[renegadeimp]

Not wise to start harassing him. Its a criminal offence. No matter what we say or do, he can still visit until you send him or his employer a notice to revoke his permission to come to your property.

[renegadeimp]

What you need is enough evidence to tie him as a representative of the company to having visited your address. It's not clear what he has left you, is it a hand written note on MHB letterhead or something similar? You may have enough there to take action against this guy and the company anyway. Take what you have to the police station and see what they can do.

 

I appreciate what others are saying about ignore them and they will go away but home visits are an escalation that needs stopped as soon as possible. The OFT may not be the quickest acting organisation in the world but the Police should be responding particularly if you feel threatened.

 

Home visits are NOT illegal or unlawful. The only thing that would be considered a breach of Regulatory guidance is if they came AFTER you sent them a letter stating that you do not wish to be visited. Thats why we have a solid template in the CAG library. You can also tell him to go away and even have the local police remove him. However, theres nothing to stop another muppet coming to your address unless you send that letter to the head office.

[renegadeimp]

It is only a breach if you have sent a letter or given the rep one that revokes their permission to come. Thats why this site and even national debtline advise to put it in writing, send a copy to the head office, and give a copy to the doorstep collector.

 

http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members

[renegadeimp]

Marshall hoares are not bailiffs. They are a DCA just using the word bailiff as part of the name.

 

ALso oliver larholt has a very VERY dubious past. So take ANYTHING he says very very cautiously.

[renegadeimp]

Police wont do anything. You need to report it to the regulatory bodies and trading standards. Especially since Toothfairy exited an investigation a few months ago, got a reprimand on their licence, failed to adhere to it, and are now under another investigation.

 

Plus the OFT are contacting certain people now for a full witness statement. They only do this when they are considering severe action on a credit licence.

The more complaints, the better.

[renegadeimp]

Nope. Im a realist. The police wont do anything. Plenty of people have tried. It is a regulatory matter, and if the regulatory authorities decide to involve the police, then so be it.

 

PDL's and their associated DCA's come very very close to crossing the line into criminal behaviour, but they rarely ever step over it. Thats why it is so damn frustrating when they start their campaigns of "intimidation" or "harassment".

 

The serious crime squad will not get involved because what they are doing, in regards to home visits, interest amounts etc is not illegal.

 

Take a doorstep collector coming to your house. If they refuse to go away, yes the local police can be called, but the collector will only be arrested for a breach of the peace. It is in very race circumstances that they are charged with trespass. Thats why its called walking the line. The company knows they are bordering on criminal activity, but as a company, they never cross the line. Should a collector do criminal activites at a debtots house, then the DCA/PDL simply says that the Collector is self employed and did it off his own back and it wasnt part of their training or that the company does not agree with the collectors methods. We've seen way too many reports like that.

[renegadeimp]

Get it to the OFT. Its a standard form letter they send out and theyve already been reprimanded for it before by the OFT.

[renegadeimp]

Write to all of them and ask them who owns the debt. If its anyone but the OC, demand a Notice of Assignment. If multiple companies state they own the debt, then throw the debt into serious dispute, and contact the OFT and FOS.

[renegadeimp]

Thats weird, since if MH own the debt, why are they referring you to toothfairy employee?

 

Yet more evidence of them being the same company?

 

Youa re correct as well, they cant prove they own it and again, are referring you back to toothfairy, who supposedly dont own the debt anymore. Time to make sure this is reported to the OFT. Also throw the account into serious dispute and exhaust Toothfairies/MH's complaints procedure, so you can get the FOS involved.

[renegadeimp]

You need to ask for a final response. The FOS wont get involved until you have that or until 8 weeks without the response has elapsed. Whichever is soonest.

[renegadeimp]

Thats all they are though, threats. bailiffs cannot come until youve been to court, given your defence, the judge rejects it, issues a payment order, you default on that, it goes back to court, the judge doesnt believe your reason why payments were defaulted, and THEN the OPTION of a bailiff is there, although normally an attachment of earnings at a court decided repayment rate is agreed on before anything to do with bailiffs come into play. Especially if you are on a low wage.

[renegadeimp]

Speedcredit are almost impossible to deal with directly. I would go into detail, but plenty of people here and the admins, know what i think about the management of this company.

 

They prefer to ignore all correspondence and say you never contacted them, and think that it is reason enough to hike up the debt ot extortionate and borderline criminal amounts. Then they pass it to their inhouse DCA who then add more charges, then finally to yet another inhouse DCA who add even more.

 

Then they start offering discounts to make out like theyre the good guys, and the debtor is the one who caused all the issues.

[renegadeimp]

It doesnt work like that in reality though as consumer laws are in place to stop things like that happening. Thats why the PDL's are trying every trick to find a loophole they can exploit to get more money.

[renegadeimp]

Wait. What exactly do they want to assess?

 

You also need to remind them of their obligations under OFT guidance on debt collection, as it seems they are ignoring it. Also, the loan was contracted for 30 days. They cannot keep charging you every 2 weeks thereafter. We even have that from the FOS. They state that for a 30 day payday loan, you owe the contracted loan plus interest, plus initial default charge, minus any payments you have made. Anything else is classed as unfair as it could escalate the debt to an unrepayable amount.

[renegadeimp]

Ok. So you can supply him with a simple budget summary, but he doesnt need proof of unemployment. Simply sign the income and outgoings form as a declaration of fact, and theres nothing he can do.

 

The Budget summary is there to back up what you are offering. Nothing more and especially not there for him to decide on a repayment plan of his choosing.

 

Send him a budget summary ( you can find one on this site or use national debtlines), and sign it as fact. This means that you swear that it is the complete truth should it go before a legal entity. If he tries to be stubborn, ill write a short letter that will kick him into gear.

[renegadeimp]

Thanks rene ive got a budget sheet cccs did for me that i orginally sent to speed credit ill send him a copy and sign it as youve said

 

 

Send it with a covering letter that simply says:

As requested, please find enclosed a copy of my current I&E which is an accurate record of my circumstances as of xx/xx/xxxx. This sheet has been signed as a declaration of fact, and my repayment offer stands at £xx per week/month.

 

I expect your reply and acceptance of my plan within 7 days of receipt.

 

 

Dont go into detail. just keep it short and sweet. We'll go into legalities and regulation if he still refuses it.

[renegadeimp]

I'd be funny to them. Simply answer, NEVER confirm any security questions, and overtalk them saying " Everything is to be in writing if you wish to communicate with me".

 

Then if they keep ringing, send the telephone harassment letter and report them to the OFT

[renegadeimp]

Ask for proof that you owe them anything. they must provide conclusive proof and not the usual dribble they come out with. If they dont provide proof then the account is in dispute.