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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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snowy101

Veolia [ ex three valleys water] put DCA onto me, paying monthly - **WON**

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Hi gagers

 

I received a letter today from inter-credit international ltd [ never heard of them]

It states that it is on behalf of my water company at my old address [ i`m still with the same company]. It claims i owe the best part of £500 & that they have instructed there solicitors to commence legal action within 7 days & there is a case number quoted by the date & their reference number. I have no knowledge of this debt & how can anyone start proceedings this quickly.

I cant scan up the letter but if it helps i could copy it word for word, this is the first Ive heard of this & we moved well over two years ago with no hassle or unpaid debts for any utilities.

 

Any thoughts ?

 

Middxx

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I would suggest that a short letter stating that you have had a relationship with this company for x years and also the fact that you are still a customer of this company and your payments are up to date and can they please explain why and how this has occured ? I would also send a copy of the letter to the Chief Executive of the water company (by recorded delivery)


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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Depending on which water company you are with, IF this is proved to be your debt, there are various schemes available so that you will not be taken to Court, so come back if you need further help.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Thanks for the replys

How can i find out who the MD is of my water company as i think it is a very good idea to write to him.

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Thanks for the replys

How can i find out who the MD is of my water company as i think it is a very good idea to write to him.

 

What Water company is it?

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What Water company is it?

 

Veolia [ ex three valleys water]

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Veolia [ ex three valleys water]

 

Jean-Michel Herrewyn

 

4640,HERREWYN.jpg

Chief Executive Officer

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Jean-Michel Herrewyn

 

4640,HERREWYN.jpg

Chief Executive Officer

 

Thanks for the information, now could i be cheeky & ask for an address:D

 

Middxx

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Thanks for the information, now could i be cheeky & ask for an address:D

 

Middxx

 

Hang on CEO has changed

 

Frédéric was appointed Chief Executive Officer of Veolia Water UK, Ireland and Northern Europe in December 2007.

 

Veolia Water

Tamblin Way

Hatfield

Hertfordshire

AL10 9EZ

 

https://central.veoliawater.co.uk/

 

Frédéric Devos, Chief Executive Officer, Veolia Water UK, Ireland and Northern Europe

 

4669,FDV-photo-74x105.jpg

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Hi

Can anyone advise me on how to deal with inter credit, on re-reading the letter they state that they will commence legal action within 7 days of the letter being posted. It was posted on the 29 march [ second class] & arrived on thursday the 31st, what with the bank holidays they will be filing before i have had a chance to look into this matter.

 

Many thanks

Middxx

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Hi

Can anyone advise me on how to deal with inter credit, on re-reading the letter they state that they will commence legal action within 7 days of the letter being posted. It was posted on the 29 march [ second class] & arrived on thursday the 31st, what with the bank holidays they will be filing before i have had a chance to look into this matter.

 

Many thanks

Middxx

 

They will be filing nothing, its all hot air to intimidate you in to paying up or contacting them

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Hi All

 

OK so now what do i do?.

 

Got another letter today informing me.

 

Notice of court action

 

We are now in the process of drawing up court papers with our solicitors P. W. Moody LL.M.

 

It goes on to explain the added court costs & solicitor fees & failure to comply will result in a judgement against me.

 

Our initial method of enforcement will be a warrant of execution & then bailiffs will attend my property to seize goods to the value off plus there removal costs.

 

I have not wriiten to anyone concerning this matter but i have no idea any debt owing as i`m still with the same water company, they have never provided me with any bill or statement pertaing to this matter, just demanding money & making threats.

 

Any ideas or advice is always welcome

 

Middxx

Edited by snowy101
xx

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As i have said before 'could' result in a court judgement, they have to WIN first.

 

There will be no bailiffs, warrants of execution or anything else until such time as they have been to court and WON their case. Even then you would have to have broken the payment terms of the judgement before any of their threats become a reality.

 

If you seriously don't owe them anything, then let them waste their time taking it to court, where they will lose if they cannot prove the debt, then you can sting them for YOUR costs.

 

It is more than likely more hot air, there is no panic unless you receive actual N1 papers from the court.

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As i have said before 'could' result in a court judgement, they have to WIN first.

 

There will be no bailiffs, warrants of execution or anything else until such time as they have been to court and WON their case. Even then you would have to have broken the payment terms of the judgement before any of their threats become a reality.

 

If you seriously don't owe them anything, then let them waste their time taking it to court, where they will lose if they cannot prove the debt, then you can sting them for YOUR costs.

 

It is more than likely more hot air, there is no panic unless you receive actual N1 papers from the court.

 

Hi Alf

Thanks for the great advice, is there any way i can find out what exactly is going on as i`m really in the dark over this, i obviously don't want to spend a tenner & SAR these losers but i want to know what makes them think i owe this money & where the information is coming from.

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Have you been in contact with inter?

Have you sent them a prove it letter?

 

If not, get this in the post to them

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

you could also contact

 

P.W Moody LLM(Lond)

25 Station Road, New Barnet, Barnet, Hertfordshire EN5 1PH

 

Telephone: 020 8440 1443

 

and ask if they have any knowledge of a claim being prepared.

Edited by alfwithhair

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Have you been in contact with inter?

Have you sent them a prove it letter?

 

Neither i`m afraid, so now i should get my backside into gear.

 

Is there a prove it letter in the template section?.

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Neither i`m afraid, so now i should get my backside into gear.

 

Is there a prove it letter in the template section?.

 

I have edited my last post, all the info on there

  • Haha 1

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DOH..........................:D

I should learn to read ALL of the post should`t I.

 

Once again Alf ...... many many thanks for all your help, really greatful

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No problem, keep us up to date with any further developments.

 

Also contact Veolia Water and ask them if there is any outstanding balance on your last address.

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No problem, keep us up to date with any further developments.

 

Also contact Veolia Water and ask them if there is any outstanding balance on your last address.

 

This is the strange thing, when i moved i told them where i was moving to & that i would still be a customer & could they just transfer the bill to my new address.

They explained that it was not possible & i would have to set up a new DD etc etc, everything was very pleasant & amicable, no mention of monies owing

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Just a quick update

 

Posted the "prove it " letter today .... recorded delivery, so i will see what they come up with.

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Hi all just wanted to know what action i can take now, posted " prove it " letter on the 19 th of April & i have still not had a reply [ but post has not arrived this morning].

 

Can i put the account in dispute or is there another course i can take, trying to be pro-active & put this one to bed.

 

Many thanks

 

Middxx

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If you have had no further demands from them since sending the prove it letter, leave it at that for now.

 

If you do receive further demands, then we can esculate the necessary action. You have made your point clear to them and they have failed (up to now anyway) to substanciate their claim.

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I've had a similar problem with Veolia. Initially I was told to deal with the DCA. I refused and have agreed a payment plan which is affordable.

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Hi all,

 

If this is in the wrong section , apologies please move.

 

I have had a long battle with my Water company ,

when i say battle i mean i am fed up of company's telling me when i have to pay them & by what means.

 

Every water company sends out a yearly bill, so i pay it yearly .

 

I leave it to the very last day to pay & they send me scary letters & threaten me with court action

but i never intend not to pay just paying at the end of the year for a yearly bill.

 

The lady i spoke to today said " you can`t pay at the end of the year" i asked " why not" " well , because that`s why".

 

Now my question is .......... can you pay a yearly bill in the last few day`s of the year?.

 

I have not gone into the following year & i see no reason legal or otherwise for this not to be my choice.

 

I no longer have DD`s or SO`s as i keep my money these days & pay when it suits me not the company's.

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