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    • Hi and thanks It looks like they ticked all the boxes to me but I'll try and upload the notice. I was wondering if a witness to late delivery might be considered proof - I'm assuming they posted it as normal but Royal Mail stuffed up delivery. If not then they're really saying it just has to be posted within 12 days of the incident, regardless of when it is received. Annoying! edit ok thanks Honeybee here's my 2nd (actually 3rd) attempt at anonymising, copying and uploading the notice! Sorry about the state of it - I sat on it while distracted by my dog 🙃 pcn front.pdf pcn back page.pdf
    • ROFL - dont get upset just because someone (quite a lot of someones) dont want smart meters - well unless you get paid for it .. in which case ...   I assume you haven't been with Octopus long enough to be on one of the very long fixed price tariffs they offered before the prices went bonkers .. and that you dont use your electricity in the evening/lunch time if you think the 'agile type tariffs are good value .. let alone worth installing a smart meter for - high price a good disincentive for an evening cuppa eh? Let alone all your computer/tv etc time in the peak price evening or lunch time. - and boy do those peak prices instantly hammer your bill when those Russian and middle eastern issues kick off.   I would only have considered a smart meter if solar panels had been an option for me - but roof is oriented completely the wrong way. Oh - and My opinion hasn't changed since the smart meter trials 40 years ago, because neither have the issues (well not enough) but I'm happy for you. Be happy for me.
    • Hi. I'm afraid I've had to hide your post with the pdf files to keep this anonymous for you. You've left the PCN reference number and your car reg showing. Could you edit that and repost please? HB    
    • Well naturally if you want to maintain your outrage, and retain something to bitch about, then arguing about the level of your fixed monthly DD is the way to go. You are of course perfectly free to ignore the easy solution.
    • His financial situation isn’t great, and the landlord has made lots of things up. The things he’s put isn’t true at all. My friend did tell the full truth with incoming and outgoing, I helped him fill in his form and he checked bills etc. to make sure it was right. His wage is ok, but not as good as the landlord thinks it is,  and he doesn’t have anything spare. How much are they likely to take from him? Should he send any reply?  the letter just says to take the court letter with him. 
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DEbt only just defaulted after yrs of '6' markers - is this fair?


darrenwillo
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Hio BRIG DX i have sent the above letter to noodle equifax and exsperian i didnt send i letter i used the SOMETHING WRONG dropdown box on there sites and gave them BRIGs info letter as a dispute they have each given me a log number for the raised dispute

? is this the right way to contact them via there dropdown box for something wrong disputes etc they said they will get back to me via email is this ok

 

my next move is to send the above letter to the data commisioner at welcome finace is this correct also many thanks DW

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Send the letter to Welcome addressed to the Data Controller this MUST br by recorded delivery so you can check when they receive it.

 

When you get a response then we can format a complaint to the Information Commissioners Office.

With the CRA's send a copy by snail mail to confirm the complaint.

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

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brig sorry to sound stupid Friend but whats

1

Snail mail is that email im a novice on the computer and the jargon could you interperate please

2

also is there a time frame in wich welcome have to respond to me and if they dont respond whats the crack does the debt get waived

3

also the car i had from them i just left it in thier car park and phoned the receptionist to let her now it was there and the keys were under the back tyre will this have an effect on anything as i just ceased payments after that.

4

also i dont recall de registering myself as the registerd keeper with dvla will i have to do this also or what will be the score with that

many thanks again Darren

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OK not a problem

 

Send by Royal Mail 1st class post and get free proof of posting.

They can take up to 8 weeks to reply but, this should easily be sorted quickly.

No voluntary return of the car should no have an impact.

Forget the reg not relevant now.

 

It is always best to use RM recorded delivery when making complaints like this, if you do use e-mail print off a hard copy.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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dont suppose you have the correct adresses to send the same letter to CRAs all 3 or point me were i can get the info Brig please and do i keep copys dated

ill have to sort my fileing cabinet out now ha ha to make room for process ahead all good tho thanks again mate

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Contact details on CRA websites. Yes keep copies of all letters etc get proof of posting and keep them all together we may have to refer to them later.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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if a debt colection agency rep comes out what should i say and do please?

 

as they have been at my mums a hour ago today and

are dobermans give them the run of thier life my mum said he was being agressive towards my disabled mum so the dogs jumped the back fence and chased them and wouldnt let them go or drive away poor debt collector i know

 

what should i tell my mum to say if their brave enough to come back ?

apart from the obviouse take your watchs off phones on the floor and remove your denches as my babys carnt digest them........

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It's highly unlikely that this will happen, but there is no obligation to discuss anything with any intinerant oik who turns up on the doostep, just tell them to leave immediately as all dealings MUST be in writting.

Has this ''visitor'' discussed anything with your mum? Who is the debt collection agency?

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my mum said dea associates based in liverpool and they were asking for me she said he doesnt live here and then he was shouting because my mum couldnt hear him thats when the dogs got out they bark when people knock and she was talking through the window but couldnt here every word with the dogs barking then the dogs jumped the fence and went after them she said 2 big men came and was looking through the window too she just told the truth that i dont live there and they she made out were they were from and then the dogs got over the fence ill tell her to tell them to contact me in writeing do you think i should phone the offce and ask what there playing at going to my mums

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itl be there with the rest of my debts and collectors ill dig it out

whats your plan Brig ?

is this illegal as my mum has said it happend before that people have been out looking for me i dont have any priority debts thats for sure dont know weather it was same collection agency tho it has also happened at a previouse adress too as i still speke to my old neighbours

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Plan is to get as much info out of these people then blow em out of the water!!!

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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brig an update on the CRAs noddle have emailed me and said

 

Thank you for sending us details of your dispute. We'll investigate it and provide you with an update on the outcome within 28 days.

Please don't raise this dispute again before we've come back to you with an update as it will automatically be rejected, and will delay us in processing this dispute.

If we've asked you to send us further documentation or evidence to support your dispute please email this to [email protected] or send it to Customer Services Team, Callcredit Ltd, PO Box 491, Leeds LS3 1WZ, quoting the dispute reference number shown above

got their adress too

 

exsperian said

 

Thank you for your e-mail that we received today.

 

I am sorry you to hear you have had cause to complain. Your complaint has been passed to the Customer Relations team to investigate.

 

I can confirm that we are dealing with this matter as an official complaint in accordance with our complaint handling process. You can find details of our complaint handling procedure here:

 

i havent heard off equifax as yet ill post it as soon as i do though

Thanks again Brig

 

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can anybody help me please i am after the adress for the data controller at welcome finance ive searched tirelessly for it with no luck obtained many adresses but want the correct one

 

Also as an update to this thread i have sorted my fileing cabinet out and all the letters welcome have sent over the last few days so im now ready to tackle theses debts head on.. many thanks DW

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in the stickies of the welcome finance forum

 

or any welcome finance CCJ thread

 

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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just an update on the case so far

 

Ive prepared the BRIG letter for welcome data controller with copies of the 3 cras stateing my defaults thats getting sent via recorded delivery on monday the 27th jan 2013

 

i have prepared the BRIG leters for the CRAs and thats also getting sent monday via royal mail first class

 

soon as i have responses ill update and seek advice thanks for your help guys apreciated lots and lots regards DW

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brig if you have a mo i am working thriough my 20k debt 1 to 17 debt 2 of 17 is insurance would you mind popping in on that one when you have time please

thanks Darren

ok flag to remind me

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello,

 

I am in a similar position to darrenwillo.

 

I took a loan out with Welcome in 2008 and shortly after fell ill. I tried claiming on the insurance but it wasn't successful.

I got a PPI claim from FSA last year of nearly 2.5k which was credited to my agreement but since they've made no attempt to collect.

 

I was out of work until April last year and I've emailed them and lettered them but no response.

 

My credit file just has 6's, it's never been defaulted or been referred to a collection agency - I'm at a loss as to what to do. I can make payment but they won't be for large amounts, any advice?

 

I get my 6 monthly statement from them but there is never any change on the amount. When I look at my credit file it says 'lifetime change £-515' - which isn't correct.

 

Should I just go to the financial ombudsman and let them deal with it?

 

Thanks

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