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    • A couple days ago i started to receive emails from JD Williams all with orders i did not make totalling £450 , two orders with my address listed and another two with a womans name and address in lodnon ( im from wales ) , ,when i received the cofirmation order emails i logged into my account and everything was as it should be (no pending orders)  so thought it was a typical junk/scam email, when i received another order through my email it was bugging me so i used the same email as the username and a very old password and it logged me into a old account i never knew existed , this is the account the orders were made through.the items were already dispatched so it was to late to cancel , i contacted jdwilliams and they put a fraud marker on my account and told me to email jd willimams fraud team ( waiting for a response 4 days later)  i tracked the hermes delivery today and the items were left on the fraudsters doorstep with a picture taken from hermes for proof of delivery , im very worried  and dont know what to do , should i contact the police or wait for a response from the investigations team?     Any advice would be greatly appreciated   Thanks
    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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at the end of 80s beginning on 90's we got ourself into financial difficulties, mainy due to the recession at the time

(mortgage interests rates 15% etc) and my husband ran a small building company, just started a family etc.

 

In September 1991, the Bank we had our current account, business account and mortgage with decided to pull the plug on us

and requested immediate repayment of overdrafts and a small loan we had taken out.

 

At that time the total debt was £9000, albeit mostly made up of bank charges, I still have some of the old bank statements.

 

They tried to repossess our house (we had a mortgage with them too), but in Oct 1992 the bank decided to stop repossession proceedings and pursue the monetary debt via a CCJ.

 

The CCJ happened in Jan 1993 and the debt had spiralled from £9000 to £15,000 (which was a further £6000 in charges in a year),

the accounts were closed back in Sept 1991,

so we were unable to use them.

A figure of £40 a month was agreed to be paid to clear debt and it was agreed that interest would be stopped.

 

Whilst all this was happening the small business ceased and my husband was unable to find alternative work for a long while so we lived on benefits for 3/4 years.

 

We have more or less religiously paid this £40 payment for the past 19 years and have therefore paid off over £9000, in our estimations.

 

The Bank still send us budget plans to complete every year, but we have refused to complete them for a while now. Our children have grown up and I am now able to work too, so household income has increased.

 

The Bank cannot let us know exactly how much is outstanding, they have threatened in the past to reinstate interest charges and take us back to Court as they want us to increase our monthly repayment figure.

 

With the bank charge fiasco over past year or so, are we able to claim back these bank charges through the Courts?

 

Also as we have paid the original debt off shouldn't the bank write off the amount left.

 

Any advice would be welcolmed, as we feel bullied by this Bank,

we have a property with some equity in it,

not sure a Judge would justify a second charge on the house for this remaining debt 20 years on.

 

We have never had even so much as an overdraft since then and have an excellent credit rating.

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Hi car

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

 

Thread has been moved to the correct forum.

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If it was me in your position then I would be sending off for a SAR, to see what they have as far as paperwork goes, (unless you have a lot of statements dating back a long way)...

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Hi, I think if the bank cannot advise what is outstanding then you should stop payments until they do it seems that they are milking you completely.

I would suggest a Subject Access Request under The Data Protection Act 1998, this requires the creditor to provide ALL data held on you and the account.

 

There is a £10 statutory fee for this and the creditor has 40 days to provide the data, there is a template in the CAG library you can amend to suit.

 

In your case this request should have the following included:

 

The request is to include but is not limited to ALL statements of the account showing ALL payments made to the account since inception to the current date.

 

You should send the SAR addressed to the Data Controller at the bank together with a cheque/po for £10 marked clearly ''for statutory fee only'' use recorded delivery.

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

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If you have the statements covering that period, then you could be in for one hell of a windfall when you reclaim the unfair charges/penalty fees. We're talking thousands, possibly tens of thousands with interest. Especially if those charges in a year hold true in relation to the bank statements.

 

However, and this is the kicker, you NEED to have full documentation. Sending a SAR to the original creditor is a very good idea, but will only usually come back with 6 years worth of information, although this could be enough for a decent claim.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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two words

 

cash cowed,

 

i bet

 

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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two words

 

cash cowed,

 

i bet

 

dx

 

Almost 100% guaranteed dx :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If the Court order was to repay a certain sum with no interest attached. Then the bank cannot start adding interest.

 

They would have to make application to court for a variation of the order.

 

You should make an official complaint to their Head Office and demand a statement of account.

 

HTH

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I don't think that you should be advising someone in this position to stop paying for any reason! and I am amazed that this site would allow you to post such a silly suggestion. Yourbank however should be providing annual statements and I suggest you write to them and simply complain

Hi, I think if the bank cannot advise what is outstanding then you should stop payments until they do it seems that they are milking you completely.

I would suggest a Subject Access Request under The Data Protection Act 1998, this requires the creditor to provide ALL data held on you and the account.

 

There is a £10 statutory fee for this and the creditor has 40 days to provide the data, there is a template in the CAG library you can amend to suit.

 

In your case this request should have the following included:

 

The request is to include but is not limited to ALL statements of the account showing ALL payments made to the account since inception to the current date.

 

You should send the SAR addressed to the Data Controller at the bank together with a cheque/po for £10 marked clearly ''for statutory fee only'' use recorded delivery.

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We dont normally take advice from a random poster who signed up today to post one post on a random thread in a random sub forum.

 

If a debtor suspects that they are being cash cowed, then they are well within their rights to cease payments and demand some sort of proof that they should continue to pay.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I don't think that you should be advising someone in this position to stop paying for any reason! and I am amazed that this site would allow you to post such a silly suggestion. Yourbank however should be providing annual statements and I suggest you write to them and simply complain

 

 

why's that please explain. roger

 

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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We dont normally take advice from a random poster who signed up today to post one post on a random thread in a random sub forum.

 

If a debtor suspects that they are being cash cowed, then they are well within their rights to cease payments and demand some sort of proof that they should continue to pay.

 

I forgot to point out that the Bank amalgamated the 3 accounts (current, business and loan) into one when the £40 monthly repayment figure was agreed and they sent us a paying in book to make payments. Over the 19 years the account number has changed twice to my knowledge, and now comes under the mortgage collection dept. the budget plan they send us to complete has mortgage shortfall written on the top. I have written to the Bank and asked why this debt has come under the mortgage collections centre when it never has had anything to do with any mortgage.

 

Also we did offer them a £5000 lump sum payment in full settlement 10 years ago which they declined stating the there was collateral in our property should they wish to pursue that route.

 

We understand that we got into financial problems years ago and the Bank were not the only ones we owed money to, we paid every single penny of what we owed to businesses, but feel that the Bank imposed so many charges at the time, bearing in mind the interest rate was so high in early 90's, that 19 years later we are still being harassed, whereas many others at the time had there debts written off.

 

Will wait to hear back from bank following my letter enquiring about mortgage collections dept, and will certainly go down SAR route, as I feel enough is enough.

 

Many thanks for all your replies, much appreciated.

Edited by Carole :)
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Ahh, so they did the old trick of merging them to stop you being covered by the CCA's.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi, I think if the bank cannot advise what is outstanding then you should stop payments until they do it seems that they are milking you completely.

I would suggest a Subject Access Request under The Data Protection Act 1998, this requires the creditor to provide ALL data held on you and the account.

 

There is a £10 statutory fee for this and the creditor has 40 days to provide the data, there is a template in the CAG library you can amend to suit.

 

In your case this request should have the following included:

 

The request is to include but is not limited to ALL statements of the account showing ALL payments made to the account since inception to the current date.

 

You should send the SAR addressed to the Data Controller at the bank together with a cheque/po for £10 marked clearly ''for statutory fee only'' use recorded delivery.

 

We tried that route of none payment when they didn't send us a new payin book, and also a statement of account but they threatened us will legal action which would incur even more costs so we reinstated payments, but no so much of a push over now since it have been proved that Banks imposed excessive charges, feel we have paid enough, and want some answers.

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Get that SAR sent ASAP!

 

Make sure you ask for everything, phone calls, Court papers, statements, you really should be able to hammer these.

Edited by havinastella
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You are well within your right to stop payments if they will not provide legal documents/proof, despite all their dumb threats.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If it was me in your position then I would be sending off for a SAR, to see what they have as far as paperwork goes, (unless you have a lot of statements dating back a long way)...

 

Thank you, will certainly be sending off SAR very soon.

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Thanks all, will take them on got nothing to lose, hindsight is a good thing. Will keep you posted, just googled cash cowed and I can see what you mean, no wonder they offered my hubby to open current account, when his business account was in credit, then a mortgage, and then a loan, it was all so easy and 20 plus years later we still paying for it. Never made the same mistake again.

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  • 4 weeks later...

please start your own thread you will get more advice.

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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