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    • Just for the record, I am uploading the original letter from CCSCollect, which asks me for the money from "BT" (if it is BT).   You can see here that I scribbled some notes at the foot of the letter indicating that I phoned the number CCSCollect gave me as the BT number, and I was told by "BT" that there was an outstanding balance of £48 in the account. They first tiold me that the account wasn't even closed. Then they changed their mind and told me that the account was closed, but that there was a £48 balance still owing.   Assuming that I was speaking to BT, I kept telling them that the email address did not work, which is why I closed the account.    I recall that I had kept telling BT at the time that the email address didn't work and that I either wanted them to fix the problem or stop charging me their PREMIUM rate charges for an email that didn't work!   On the phone on this occasion the BT man I spoke to (before he called me a mother****er) had asked me if I had actually used the words "! want to cancel this account" specifically. He seemed to be saying this as an excuse for their behaviour of not closing the account when I had complained about it. However, all that is irrelevant, since what I was clearly saying was that I was NOT going to pay good money for an email account that didn't work, and that they shouldn't be charging me money for it in the first place.   Later that day, though, I phoned BT using the operator number (not the number that CCSCollect had given me for BT) and spoke to someone at BT who accessed my accounts (I actually had two old accounts, one for each of the two phone lines that I needed then to do the work that my single Virgin Media account can do now) and he confirmed that neither of these showed any outstanding unpaid balance. I have a recording of that conversation.   So which version is the true version?     
    • Hi DX   I have contacted ASDA who have said they have no involvement with the machine and need to contact the owner who are Barclays - they could not give me any contact details.   I rang Barclay's who were no help whatsoever and could not give me a number to contact - they told me to check the contact details on front of the machine.  However there are no contact details on the front of the ATM.  There is only a sign saying ASDA have no responsibility for the machine and to contact your card issuer in the event of any problems.   I am going round in circles with this and think my only option may be a complaint to the FCO?    
    • There's no mention of using the job application part of the online journal on my claimant commitment. As I say, there's only this one Advisor that seems to want to make it a massive issue - terminating the meeting if I dare to argue back.   I simply have: check it often - complete to-do list (has only ever been meetings to attend on there) - update circumstances
    • he Financial Conduct Authority today launched a legal action against the bosses of a Gatwick airport carpark investment scheme that collapsed after raising £230 million from thousands of savers. Yesterday, it was revealed that investors were suing Park First and its controversial founder Toby Whittaker for fraud and today the FCA launched a separate action alleging the scheme made “false and misleading statements” in its promises to potential investors. A total of 4500 largely elderly investors put money into the scheme, many of whom also lost money with London Capital & Finance. A large number of them used their self-invested personal pensions to buy the product, which involved buying car park spaces at Gatwick and Glasgow airports then leasing them back to the company in return for high rates of return. https://uk.finance.yahoo.com/news/fca-sues-park-first-directors-094900289.html?guccounter=1
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sjm1963

DLC threats of charging order

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Hello,

I'm so worried and slept very little last night

 

DLC bought the debt I had with MBNA,

and along with lots of other creditors

 

I have been paying a fixed amount each month and never missed a payment,

 

they called me last night wanting to take my £5.00 a month to 1 percent of the balance which would make a payment of £85, I

 

told them that I have little to money left at the end of the day and am paying off 11 other creditors,

 

they say they will now go and get a charging order and force the sale of my home,

at my age I will never get another mortage,

I feel sick to my stomach.

 

Any advice would be greatly recieved

 

I have called the old CCCS and they have made an appointment for me to speak to someone in regards to a possible IVA

as I have been juggling all this debt for two years and am shatterd by it and the late nights calls.:|

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Hello and welcome to CAG. I'm sorry to hear about your problems and hope the guys will be able to help you.

 

I'll move this thread to the debt collection forum and leave you a short term redirect here.

 

My best, HB


Illegitimi non carborundum

 

 

 

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just a quicky befor i have to go .

 

stay off the phone you do not have to talk to them it is well known that they will lie and cheat you on the phone

tell them to put it all in writing and hang up.

they will not put in a letter that they will make you sell your home as that is a lie. all they want is more money be strong and tell them NO and I WRITING ONLY.

 

more people will be along later as alot of us on here have day jobs. just sit back relax and have a cup of tea please.


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Hello, I'm so worried and slept very little last night DLC bought the debt I had with MBNA, and along with lots of other creditors I have been paying a fixed amount each month and never missed a payment, they called me last night wanting to take my £5.00 a month to 1 percent of the balance which would make a payment of £85, I told them that I have little to money left at the end of the day and am paying off 11 other creditors, they say they will now go and get a charging order and force the sale of my home, at my age I will never get another mortage, I feel sick to my stomach. Any advice would be greatly recieved I have called the old CCCS and they have made an appointment for me to speak to someone in regards to a possible IVA as I have been juggling all this debt for two years and am shatterd by it and the late nights calls.:|

 

I suspect if this is a first letter from DLC, it is simply cage rattling.. "see how big and powerful we are.. we can absolutely wreck your christmas" !!

 

If they purchased a debt with a repayment plan in place then that is their fault.

 

http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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You must stay off the phone - insist on them putting everything in writing - they will very much tone down.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You have to laugh at their blatant lies and psychological intimidation when these clowns talk to debtors over the phone, if only you had all that ridiculous puerile nonsense recorded then the OFT would be very interested to hear that.

 

As has already been said, NEVER discuss your financial matters over the phone, especially when it comes to these silly little children, if they ring in the future laugh and hang up, if they persist, all you have to say is "everything in writing" then laugh and hangup.

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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How old is this debt please?


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can you please list all your debt & who you are paying

 

might be an idea to get your CRA file too

 

lets see the REAL picture

 

as for DLC

 

STAY OFF THAT PHONE!!

 

DCA's are NOT BAILIFFS

and have NO such LEGAL POWERS.

 

dx


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The debt was sold to them around 2 years ago

 

Thanks

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can you get your cra file please

 

see below

 

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 

 

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As long as you are paying something off the debt and have never missed a payment, they will look a bit foolish going in front of a judge when you have clearly demonstrated you cannot afford to pay more. Doubt if they will go for a charging order. How much is this one particular debt?

Edited by Surfer01

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Why would a charging order application go be fore a magistrate???


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Why would a charging order application go be fore a magistrate???

Nit picking again which you seem to be quite good at. What have you got against me? I did put magistrate or judge as I was not sure which one and I guess many other people on this forum are not sure who does what in the legal world. If you want to correct, fine, but don't get sarky!

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I commented because suggesting magistrates could be involved in a matter like this could lead inexperienced ussre to think that some CRIMINAL offence was involved and this is purely a civil matter.


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