Jump to content


  • Tweets

  • Posts

    • Hillary Benn has said that the Withdrawal Bill allows for a no deal Brexit at the end of next year.    
    • Yeah I filed a defence against BW Legal which bought the debt off ICL. ICL have emailed me to say that due to breaches of lending laws a high court action has forced them to contact all borrowers and assess claims for refunds.     IMPORTANT INFORMATION   INVITATION TO CLAIM: SCHEME OF ARRANGEMENT IN RELATION TO INSTANT CASH LOANS LIMITED   Background We contacted you in July 2019 to tell you about our proposals for a Scheme of Arrangement. The Scheme is a legal process that will allow us to make an arrangement with all our creditors that will mean they should receive more than they would if we went into liquidation.   As a former customer, you were entitled to vote on whether or not we should put the Scheme into effect, so we contacted you again in August 2019 to tell you about the voting process.   The vote closed on 24th September 2019 and the substantial majority voted in favour of the Scheme. So on 8th October 2019 the High Court made an Order that made the Scheme effective, as of 9thOctober 2019.   This means that you now have 6 months from 9th October 2019 to tell us if you want to make a claim.   Why you may be eligible You might be a creditor of ICL because you have taken out a short-term loan with ICL or one of the companies which it owns in the past, so it’s important that you understand how to make a claim under the Scheme.   We believe that in the past, we may have behaved irresponsibly in lending to some of our customers and if you were one of the customers affected by this, you would be entitled to redress.   We’re not pre-judging the outcome of any claim; we’re simply contacting all the customers who may be affected, to explain the next steps.   How this could have affected you If we lent to you irresponsibly or your borrowing was unaffordable or unsustainable, it is possible that the interest or other charges you paid were unfair. So if you are concerned about any of the loans we provided, we’re inviting you to submit a claim.   What you need to do next You must submit your claim by: 9th April 2020   After this date, we will not be able to accept any new claims.   How to make a claim We’ve done our best to make the process as straightforward as possible. The quickest and easiest way for most customers will be to use our online Claims Portal. You can find this at www.themoneyshop.com. If you are unable to use the online portal, you can call our Helpline (see details below), but please be aware that in times of heavy demand, you may need to call us a number of times to get through.   To register, you’ll have to give your Customer Reference Number (at the top of this email) and your date of birth. Once you’ve registered, all you have to do is tell us you want to make a claim. We may ask you some simple questions about your financial circumstances when you took out a loan, but we won’t ask you to provide documents and we won’t expect you to remember specific facts and figures.   You’ll only need to make one claim, no matter how many loans you took out.   After submitting your claim, you may not hear from us for a while. We’ll be assessing all the claims we receive, and we’ll provide updates on our progress on our Website and through the Claims Portal. You don’t need to keep checking - we’ll email you to let you know if we have provided an update.   If we agree that we have behaved unfairly or irresponsibly in the way we lent to you, you will be entitled to a payment. We’ll expect to be able to tell customers the amount of their redress claim by April 2020 and there will be an opportunity to have that independently reviewed.   Once we know the total amount of claims, we will be able to tell people what percentage of their claim will be paid. This is because the fund has to be shared out proportionately across all customers who are entitled to redress. If you have an outstanding loan, we may reduce your balance instead of making a payment. The payments will be made by the end of 2020.
    • Would be an interesting case EB if an attendant saw a dashcam in the windscreen and issued a parking Charge under  condition 13.7 no filming.  They might be on a sticky wicket with that one.  there is plenty to throw at them if they are silly enough to send a Letter Before Claim.
    • Ok sorry it says solution finance on the letter but it was originally a littlewoods account 
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2050 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

As everybody here i need some advise regarding RLP letter...

 

few weeks ago i've been stopped in one of the shops for swapping the label on an item to cheaper one.

they took my details and police came to confirm my address as i didn't have any proof of address on me.

 

The shop security stuff handed min RLP leaflet and said i'll have to pay a small fine for their "cost"

so i knew i'll have to pay some fine.

 

but i was rather stunned when i rcvd the letter claiming £130.

 

first i was considering contacting them and appealing from their decision as i thought it's way out of proportion

( the difference in price of the item i swapped was less than £5)

but then i started reading about RLP and found your website and in a result i've ignored their 1st letter.

now i've got the 2nd asking me to contact them to advise if i want to settle or defend the claim.

 

so i'm wondering what's best to do now? contact them saying i deny liability or just leave it?

and if police involvement can make any difference in my case.

 

also i've read quite a few of the threads but haven't seen anyone saying RLP stopped sending letter to them?

or is it just gonna go on and on... i'm getting really stressed everytime i even think about RLP:sad::sad:

 

thanks in advance for all your help

Share this post


Link to post
Share on other sites

If you had been taken before the court and had a fine imposed against you, then you would have to suck it up and smile, as RLP are not a court of law and neither do they hold any position within the judicial structure of this country they have the same rights as the local Ice Cream Man, so treat their "invoice" with an appropriate amount of respect. ie: none

 

Pay them nothing, pay them nothing, pay them nothing

 

do not reply to their letters, do not telephone them

 

They hold no legal status which allows them to make such a claim.

 

Pay them nothing, pay them nothing, pay them nothing


Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

Share this post


Link to post
Share on other sites

Hello Shakilla

i'm having similar problem with RLP, what did you do in the send, sent letter or ignored them?

Share this post


Link to post
Share on other sites

Hi All

 

i thought this is a right place for my post:)

 

Back in November last year I've posted about RLP letter i had for swapping the label in primark. I followed your advice of not responding and ignoring their letters, I've rcvd several letters since than some very similar to those Rcvd by Mystic lady. yesterday I rcvd the letter from the company named scotcall

 

]"Our clients instructed us to collect payment on the above outstanding claim as you have failed to respond to their previous correspondence. Should we not hear from you within 7 days our client may consider legal action ]against you]. a successful legal action could result in court fees and legal costs being added to the amount due plus interests. Such action could also affect your ability to obtain credit. we therefore require immediate settlement of this claim. you can repay using debit or credit card ..."

 

I know you guys advising ignoring those letters too but i haven't heard the name of scotcall before, i've googled them a little and found out they've got no right to collect the debt and they're one of those harassing people companies, can someone please confirm that?

 

the bit i'm worried about the most is them mentioning it can affect may ability to obtain credit, do they mean my credit score?

 

i'm getting worried all over again and i'd really appreciate the answer

 

Thanks a lot:oops:

Share this post


Link to post
Share on other sites

it is NOT A DEBT

 

it CANNOT effect your CRA file

Snotscrawl are NOT BAILIFFS

 

they are a DCA and have NO SUCH LEGAL POWERS.

 

keep ignoring.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Fully agree with DX. However, i would add one more thing. Get complaining to the OFT about scotcall chasing a non existent debt. Dont tell scotcall, just get that complaint to the OFT.

 

Also, scotcall are one of the lowest forms of DCA there are. They only deal in lemon debts.


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

Share this post


Link to post
Share on other sites

I'd be inclined to make clear to Scotcall that there is no debt.

 

Dear Sirs

 

Any liability to your clients or their clients is denied.

 

For the avoidance of doubt, no legitimate debt exists in this matter, merely a speculative invoice. It seems to me that demanding money where no debt is owed is a serious breach of your obligations under the terms of your consumer credit licence.

 

No further correspondence will be entered into.

 

Yours etc.

 

 

 

 

 

Yours etc.

Share this post


Link to post
Share on other sites

Hi All thanks for all your advice.

Ii'm considering writing to them as Scarlet suggested but I've got one more question. Because the scottcall is on my case now is that mean RLP sold my "debt" to them? what's the worst scenario which can happen now? Thanks a lot.

Share this post


Link to post
Share on other sites

what's the worst scenario which can happen now?..........

 

 

snotcrawl trip over when they collect your doorstep.

 

as snotcrawl do not BUY debt

they just collect on them..

 

as from day one

 

IGNORE THEM.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I'd also advise having a read of http://www.consumeractiongroup.co.uk/forum/content.php?441-If-you-do-receive-a-doorstep-visit-we-give-these-suggestions-to-Members incase scotcall try to say they are allowed to send a collector to your house.


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

Share this post


Link to post
Share on other sites
  • Haha 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...