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    • I wonder if anyone can help me. I had a loan with a high street bank from about 10 years ago and I had to stop paying because I lost my job. I reduced my payment to a token payment for a few years but I then ceased this some years ago because I took some advice from an online forum which said that I should ask a ‘Subject Access Report’. I did this and I also asked for a copy of the contract with both signatures which highlighted that myself and the bank had a contract and what its terms were. As the loan was made up of an overdraft and a formal loan I thought they would have paperwork. However, eventually the bank responded by saying that they had no contract and they admitted that as such it was not enforceable in court. Over the last year, the bank have again appointed Moorcroft Debt Recovery Limited to use their strongarm tactics. I have not been responding to the last couple of letters asking me to contact them to arrange a payment plan and now their letters are becoming more threatening. Here is the text of their latest letter……. Quote   We are aware that you have failed to agree an affordable repayment plan with us concerning the above account.   As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following:   ·         1. Continue in our attempts to contact you by letter and phone. ·         2. Instruct a local representative to arrange to call at your home address to try to re-establish contact with you.   To prevent possible further action you must contact us. Failure to contact us by the 22/10/19 will result in one of the aforementioned debt recovery actions being undertaken without further notice.  Unquote As you can see, they are now getting more threatening. I really do not want people knocking at my door – does anyone have any ideas as to what I can do to sort this situation? I do not want to pay for something that seems unenforceable but I do not want knocks at my door either. Any help would be appreciated.   Kind regards    
    • Yes it was a tomlin/consent order I have a recent statement its not showing any additional charges on it. The statement does not show the balance to pay each month, as the contract was terminated in March 17 and the termination bill was added to the account so my payments reduce the account balance £14262.38  Capital £6995.00 Interest £7213.38 Plus 3 x £18 charges  I presume if it went to court again I would be notified?    I thought court costs and charges could increase a balance owing but not be included in arrears or court proceedings when listing the amount owing, or am I wrong?    
    • Check to see if they are adding monthly charges inflating arrears as per DX.
    • .So I’ve been at the flat for a number of years , you had to be a certain age back then, now all ages and couples with young babies get put here , first floor , no garden not a good area not so bad either .   ive just had a letter to say I’ve been taken off the list to transfer to a more appropriate home ,  no notice just taken off, council are saying my age group no longer qualify.. I spoke to equality and human rights council they suggested I complain siting The Public Sector Equality Act 2010. ( The General Duty and Specific Duty)  relating to age discrimination.      But I’ve also come across this in LAW Quarterly online Mag.    LHA’s allocation scheme suspending applicant’s ability to bid (R (Alemi) v Westminster City Council) The High Court has held that Westminster City Council’s allocation scheme suspending certain applicants from bidding for social housing for 12 months breached section 166A(3) of the HA 1996 (setting out which groups of people should be given reasonable preference when allocating housing).   Interesting i thought?               
    • so you've had a notice of assignment then?   if so that's rare for nasty west to sell it on they typically litigate themselves so I bet the debt is vastly inflated with penalty charges and the interest they attract.   i'd be sending NW an sar get all the statements. then go thru them with a fine toothed comb.   could be £1000's to reclaim....   pers i'd stop paying   what was the original debt amount and what is outstanding now a bit more info on the history please   dx    
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Blucin19

Help regarding unknown debt collector

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Hi, I am looking for some advice regarding a disbute between myself and a custormer.

 

Twelve months ago, a customer asked me to purchase some materials in Spain for his property in France, as the materials were cheaper here for his project, (had worked for this client for the past two years with no problems). Customer transfered the money into my company account and I bought the materials. As the customer was not ready for the materials, the materials were held at the local whare house, with customer to arrange for delivery to France, (I said I would help to find transport as well). Six months later, the customer tried to blackmail me by saying if I didnt deliver the material, I would lose the job, so I refused and advised customer to find alternitive contractor. Over the last two months the customer has threatened to send someone to Spain to break my legs and send druggie to my daughters school. last night my wife and I received a "whatsapp" mesasage from a Mr Switch, claiming to have bought the debt for £5500, (which is higher than the cost of the materials) and his fees currently standing at £825 and today we have had another "whatsapp", saying we have twelve hours to contact him and set up a payment plan with him or he will get on a plane and come to our house. my feels threatened and concerned for our daughter and she does not want this person come to our house, I dont wont him confronting me in front of my customers?, I feel that this is wrong and not legal and we should not worry as we have done nothing wrong? . We have no other details other than his name and mobile number, he does not give a company name. The customer has our address and e-mail, so I believe, this guy must just be threatening us or surely he would do things proffessionally and either contact us be e-mail or letter. Thanks in advance for any help received.

Kind Regards.

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It does not sound like a professorial company as sending messages through whatsapp(not that any DCA is professional)

 

you should report your concerns to the police


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There isn't a great deal you can do until you get something in writing.

 

No licensed UK debt collector would leave a message like that so obviously it is either your irate customer or someone they've put up to it.


Anthrax alert at debt collectors caused by box of doughnuts

 

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Hi, Thanks, this is what I thought. Should I return the "whatsapp" and request something in writing?

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Thanks I will follow your advice.

 

I think you should make a report to your local Police.


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Hi, Thanks, this is what I thought. Should I return the "whatsapp" and request something in writing?

 

I'd ignore it completely.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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