credit solutions

[Whyme4]

hi

I am in a payment plan with Cap One do owe them this but credit solutions ringing work 3/4 times a day how do I deal with this any help:-x

[dx100uk]

you complain to the informations commissioners office

 

they are NOT allowed to ring your woeks number.

 

send them a letter [CS]

 

that unless they remove your works number in 7 days

 

you will goto the ICO etc etc..

 

tell us about the debt too.

 

dx

[Stigman]

If Credit Solutions refuse to remove your work telephone number from their database, as DX says above, you will have to go to the Information Commissioners Office, the link is here...

http://www.ico.gov.uk/complaints/handling.aspx

 

Stigman

[Whyme4]

Hi

The debt with Cap 1 was sent to a DCA after I made a claim for PPI (unsuccessful)

it was returned to Cap 1

 

I entered into a reply plan with Cap 1 and I was paying £50.00 per month

 

I could not afford this and dropped it to £10.00

 

then credit solutions started ringing work

 

left 4 messages a day and keep asking for me during the day

 

I have sent a telephone harassment letter and informed them that I am paying Cap 1

 

I am ignoring them at present but they keep ringing work

[dx100uk]

ICO complaint tomorrow!!

 

what this about a failed PPI claim?

 

you mean a reclaim of it under mis-selling rules?

 

if not DO ONE NOW

got all the statements?

 

if not SAR cap1 PDQ

 

dx

[Whyme4]

Hi

The claim was not successful because they say I signed for PPI insurance

 

 

Credit solutions phoned again today and I have faxed them a copy of the letter regarding telephone harassment I am going to report them to the OFT .

 

The reply I got from Cap One was the same I got from MBMA for PPI

 

I repaid MBMA back for 7 and a half years and when I paid for statements they only sent 5 years of statements

which I had been paying them back which obviously show no cost, PPI etc I feel so ripped off.

 

I know I owe Cap 1 this money but they sold the debt on after I entered a repayplan with them

 

well they can get stuffed and take me to court I am paying them back !!!!!!!!!!!!!!!!!!!!!!

[dx100uk]

if you've had PPI claims rejuect solely because

you LET THEM get away with that same excuse

 

then you need to get tough with both of them.

 

dx

[Whyme4]

They said I only had 3 months to go to the OFT

 

but they did not reply for in a total of 4 months

 

they said sorry for the delay etc ca\n I still complain ?

 

I am now ready to fight for this but I am unsure of how to go about this.

 

The main problem is still Credit solutions ringing work this is very upsetting as I work in an open office

[dx100uk]

i feel a brig letter coming on...

 

now this PPI....

 

when did you start your complaint and how did you do it?

[BRIGADIER2JCS]

They said I only had 3 months to go to the OFT

 

but they did not reply for in a total of 4 months

 

they said sorry for the delay etc ca\n I still complain ?

 

I am now ready to fight for this but I am unsure of how to go about this.

 

The main problem is still Credit solutions ringing work this is very upsetting as I work in an open office

Hi looking in as requested by DX going to read through your thread to see what we can do.

[dx100uk]

the issue that needs a hammer is credit solutions phoning works number

 

dx

[BRIGADIER2JCS]

Hello whyme4.

 

I will put togerther a letter for you tomorrow am tostop the contact at work, so don't worry on that score.

 

Take advice from dx100 on the PPI.

[Whyme4]

Hi I started the PPI April Cap 1t took 4 months and several letters

 

they sent their reply with the back page missing and then took another month to send it.

 

MBNA took over 4 months to sort it after asking for the original credit agreement that they stated I had ticked the box

said they could not supply it got very confusing as MBNA had five different reference numbers?

 

Should I try again?

[Whyme4]

Thanks Brigadier & DX100

Will wait for your reply I am glad you and DX100 are helping

[dx100uk]

i think you should start a thread for each failed PPI claim in the PPI forum

 

scan and post up what you sent.

 

i hope it was the FOS CQ etc

 

if not

 

no wonder they fobbed you off

 

to post stuff up here follow this guide:

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[BRIGADIER2JCS]

Hi

The debt with Cap 1 was sent to a DCA after I made a claim for PPI (unsuccessful)

it was returned to Cap 1

 

I entered into a reply plan with Cap 1 and I was paying £50.00 per month

 

I could not afford this and dropped it to £10.00

 

then credit solutions started ringing work

 

left 4 messages a day and keep asking for me during the day

 

I have sent a telephone harassment letter and informed them that I am paying Cap 1

 

I am ignoring them at present but they keep ringing work

 

 

 

Ok this letter goes to the Compliance Manager

Credit Solutions.

 

Ref: as on their letters.

 

Formal Complaint/ Harassment & Breaches of OFT Guidance on Debt Collection 2003/2011.

 

Dear Sir Or Madam,

 

As you will no doubt be aware I have written a number of times regardding the conduct of your company in the pursuit of a debt for £xxxx which you allge is owed by me.

 

I have been bombarded with telephone call from your company at my place of work even after I have reasonably requestd that this muts stop I believe the following breaches of OFT Guidance have occurred:

 

Section 3.3 (J) Unfair or Improper Business Actions. [Communication] (it is improper/unfair) contacting debtors at unreasonable time: at my place of work.

3.3 (k) Ignoring or disregarding debtors' reasonable requests in respect of when, where and how to contact them: again I have reasonablly requested that I am not contacted at my place of work (an open plan office), wich then takes us to section 3.7 (a) Physical/psyhological Harassment:

(a). States unfair/improper to contact debtors at unreasonable times/and or at unreasonable intervals.

3.7 (q) is most relevant: acting in a way likely to be publicly embarassing to the debtor either deliberately or negligently ( that is through lack of care) obvious breach here as ypur company has been informed of my work environment.

 

I must now insist that all telephone contact to any numbers you hold regarding me cease immediately and are removed from your records.

 

You will confirm compliance in wriiting with in 7 days, continued contact WILL result ina complaint of harassment against Credit Solutions Ltd.

 

 

RD this.

 

A copy of this letter is being forwarded to the OFT together with my comments on your companys fitness to hold a Consumer Credit Licence.

[Whyme4]

Hi

 

I will do it on monday along with DX advice

 

I just wish that Credit solutions would realize just how people feel at the moment

 

I just wish I would not wake up tomorrow but I will and I will fight them

[Whyme4]

Hi Brig and DX

 

I have received a reply to Brigs letter saying they will not contact me at work with a copy of OFT brochure

 

their letter stated they did not think them contacting me at work was harassment LOL

 

but they said I should pay them not Cap and should ring them to make an offer of a repayment plan

 

I think not they also sent a letter this week offering a discount

 

I think I should carry on and pay Cap1 I do owe this money but will not pay them any ideas

[BRIGADIER2JCS]

Hi, never ever phone a DCA if you can carry on paying Capone do so but base payments on the dicounted amount.

DX no doubt will comment.

[Whyme4]

Thanks Brig They have offered a 40% discount I will carry on and pay Cap1 I would never ring them I will keep on filing their letters under bin

[dx100uk]

you need to find out WHY they are offering the discount.

 

prob the PPI

 

so its not a discount its your PPI OFF the balance.

 

time to show us your PPI stuff.

 

have you got ALL your statements?

 

dx