Jump to content


  • Tweets

  • Posts

    • Hey guys,   I was using a utility supplier for 18 months. Every month, paid my direct debit on time. One day, they reviewed my account and said they had miscalculated my energy consumption and I now owe them £900.    I switched energy suppliers straight away as a consequence.    I am now being contacted by UK Search Limited by phone, email and text message. So far, I haven't responded and don't intend to.   I've checked my credit file. The account with the original utility supplier is closed and settled according to Credit Karma.    So what should I do with UK Search Limited? As far as I see it:   Completely ignore them until they go away (my preferred option) Contact them in some way and dispute the debt   I would be very grateful for any advice on how to proceed. I currently have an excellent credit score.    Thank you,  
    • Afternoon guys.   Just received the following from the dealer I purchased from:   Dear Mr Fish.   Sorry to hear you are experiencing problems with your car.   Unfortunately my contract of sale on this vehicle is with CarMoney Ltd and any issues or complaints will have to come from them. You can contact CarMoney on 0333 4564550 you will need your finance reference number for security.   Kind regards David Wickes GCS Cars Ltd
    • Hi  Has anyone recently had any joy with claiming or at least getting a hold of these people I got a car with them back in 99 and was definitely mis-sold PPI  Tried to claim through a 3rd party but they have said that they no longer have them on their list - I had to state Direct Auto Finance and Provident Financial who were the underwriters i believe    Really need some help    Thanks 
    • Hi,sorry .The Gararge is called Jordan Motors House Ltd. Is there any thing else you would like to know?
    • Lowell Portfolio 1 Ltd   Date of issue 16/08/19.     Particulars of Claim   What is the claim for – the reason they have issued the claim? 1. The claim comprises the following agreements the defendant entered into a. Talk Talk telecom Ltd with reference (Account Number) and current balance 485. b. Vanquis Bank with refrence (Card Number) current balance 596 The agreements were terminated as payments were not maintained and subsequently assigned to claimant. and the claimant claims. a) the total of the said sums being 1080. b) interest pursuant to s69 county courts act 1984 at the interest rate of 8% per annum from the date of assignment to the date of issue. but limited to one year, being 7 C) Costs     What is the total value of the claim? 1317   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card and landline/mobile   When did you enter into the original agreement before or after April 2007 ?  no   Do you recall how you entered into the agreement...On line /In branch/By post ? card on line / landline mobile by phone   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? yes   Did you receive a Default Notice from the original creditor? cant remember   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? yes   Why did you cease payments? on the vanquish card because my wife lost her job and at the same time so did my son so all household bills became my responsibility. the talk talk was canceled by me , due to at least two data breaches ant the mobile was canclled as it was a monthly contract I no longer needed but they carried on charging me for a further 4 months claiming I did not cancel it correctly   What was the date of your last payment? 2016   Was there a dispute with the original creditor that remains unresolved? yes to both   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no
  • Our picks

marcus6

4 wks missed to BH - now demanding good backs - help

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1461 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 all,

 

I have been with BH for over 5 years, and last year i went on sick!! and

 

i have tryed my best to keep up with paying BH but from xmas till now i have not paid them as i just dont have the money to pay!

 

i have about 5 items and 3 of them items i have paid about 2 years off them so i only have a year to pay!

 

i got a call today to say they will have to pick some of the items up!!

 

but i said no i dont think so! as i have paid so much of them...

 

dont get me wrong i want to pay!

 

 

But im not sure how to go about this and thats why im here,

what should i do next!!

 

will BH take part payment on top of my weekly payment?

 

 

Help me please...

 

Thanks

Share this post


Link to post
Share on other sites

well they certainly CANNOT demand or take items back UNLESS

you give them too them, you have paid more than 1/3rd

 

so DONT put up with ANY bull about that

 

and the 'we'll get the police to do it rubbish too!

 

havev you their two USELESS insruances?

 

if so

 

get reclaiming

 

you DONT need them

 

they are NOT compulsory

regardless to 'their' rules.

 

as for the payments.

 

pay what you can when you fet.

 

you might find the reclaims KILL the balance anyhow.

 

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

Hi dx,

 

I only have 1 of the ins! now as i got the OSC taken of just before xmas

 

should i just go into them and pay what i can each week or will they not take the payment??

 

Thanks

 

Hi all,

 

I have been with BH for over 5 years, and last year i went on sick!! and

 

i have tryed my best to keep up with paying BH but from xmas till now i have not paid them as i just dont have the money to pay!

 

i have about 5 items and 3 of them items i have paid about 2 years off them so i only have a year to pay!

 

i got a call today to say they will have to pick some of the items up!!

 

but i said no i dont think so! as i have paid so much of them...

 

dont get me wrong i want to pay!

 

 

But im not sure how to go about this and thats why im here,

what should i do next!!

 

will BH take part payment on top of my weekly payment?

 

 

Help me please...

 

Thanks

Share this post


Link to post
Share on other sites

at the end of the day they can wave their arms around all they like

 

what you have not got you cannot pay

 

if you've been with them that long

 

its a bout time you dumped them!!

 

you've prob paid 3-5 times the market value of items anyhow!!

 

why not pay them by your internet bankingsite?

 

did you get that cancelled OSC back?

 

should have

 

why have you the other ins?

 

you DO NOT need house insurance you can still cancel it and get it back

 

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

Hi dx

 

It makes me sick when i think about the items i have had of BH over the years and how much i have paid!!

 

as to the OSC no i did not get it back! can i ? and could i get it back of of items i have paid for!! as i have 3 or 4 items that have been paid for over the years!! + the 3 iteams i have paid 2 years off

 

How do i go about geting the OSC back!!

 

Thanks

 

Hi dx,

 

I only have 1 of the ins! now as i got the OSC taken of just before xmas

 

should i just go into them and pay what i can each week or will they not take the payment??

 

Thanks

Share this post


Link to post
Share on other sites

I have just looked over 4 agreements 2 of them have been paid off and 2 i have still, over all i have paid £2,565 in OSC omg can i get this back??

 

Thanks

Share this post


Link to post
Share on other sites

YES!!

 

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

Hi dx

 

I have not looked yet but are there any templates on here! that i can use "ie" letters made up that i can use!

 

Thanks

 

I have just looked over 4 agreements 2 of them have been paid off and 2 i have still, over all i have paid £2,565 in OSC omg can i get this back??

 

Thanks

Share this post


Link to post
Share on other sites

fill this out

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

for EVERY payment made and its date

 

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

Thanks but i dont have xl

 

Hi dx

 

I have not looked yet but are there any templates on here! that i can use "ie" letters made up that i can use!

 

Thanks

Share this post


Link to post
Share on other sites

DX

 

The above link wont open for me!!!!

 

Is there another form like pdf!

Share this post


Link to post
Share on other sites

Do I address and send my reclaim to.... Head of Finance

 

 

Thank you :-)

Share this post


Link to post
Share on other sites

CEO IMHO!!

 

use open office

 

the spready works in that too and its free to download.

 

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

Hi dx

 

call me dumb if you like!!, but i have never done anything like this before, and im not sure what i should be puting and where i should be puting it! is there one done up as an Ex? to look at!,

 

 

 

fill this out

 

This first spreadsheet is the latest version of the statutory interestlink3.gif calculator and is used for Single Premium PPIlink3.gif cases. It can also be used where rollover PPI is involved, i.e. a new loan re-financing a previous one and where PPI is included in one or more loans.

 

StatIntSheet v101.xls

 

 

for EVERY payment made and its date

 

dx

Share this post


Link to post
Share on other sites

pretty obv really

 

you see 3 columns going across the page

named DATE of CHARGE......DESCRIPTION....Amount of charge

 

you paid OSC every week

 

take the DATE of 'a' payment [typically the very first one you ever paid]

 

click your mouse in B20 - enter it in the format of DD/MM/YYY then hit tab key

 

you are now in the description bit - type OSC hit tab key

 

you are now in the amount of charge - enter it first one done!!

 

now click your mouse in B21

 

same again

 

dx

 

 

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

Hi dx,

 

yea you may think so mate, but to someone that has never done this before its not!! and i dont want to go puting something in the wrong place and not get OSC back for doing so!

 

so there for i want to make sure i do it right, im sure you can understand that..

 

could you look over it once i have done it! just to make sure everything is in the right place!

 

Thanks

 

pretty obv really

 

you see 3 columns going across the page

named DATE of CHARGE......DESCRIPTION....Amount of charge

 

you paid OSC every week

 

take the DATE of 'a' payment [typically the very first one you ever paid]

 

click your mouse in B20 - enter it in the format of DD/MM/YYY then hit tab key

 

you are now in the description bit - type OSC hit tab key

 

you are now in the amount of charge - enter it first one done!!

 

now click your mouse in B21

 

same again

 

dx

 

 

dx

Share this post


Link to post
Share on other sites

hey we're not saying we wont check or help

 

post it up when ready.

 

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

Hi dx,

 

I know that mate, thats not what i was geting at, all you guys on here do a TOP job!

 

i just want to make sure i have done it right thats all,

 

yea i will post it up once done, but 1st i must send of SAR to get all the info! where do i send the SAR is the add on here anywhere?

 

Thanks

 

hey we're not saying we wont check or help

 

post it up when ready.

 

dx

Share this post


Link to post
Share on other sites

no bother we wont let you make a mistake

 

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

Hi dx

 

what add do i use for BH is it the 5 Hercules way in watford ??

 

is there a department!! i want it to go to? or should just put the BH add on it and thats all?

 

Thanks

Edited by marcus6

Share this post


Link to post
Share on other sites

lets check you claim first though

 

head off address

 

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
lets check you claim first though

 

head off address

 

dx

 

Hi dx

 

This is just for SAR! i need all the info before i can make a claim,,

 

any link to the BH head off address? or is that the one on there web site?

 

Thanks

 

P.S i have 5 Agreements new and old to get the OSC back on!!

 

 

I did not have house ins! at the time can i still get the DLC back or just the OSC

Edited by marcus6

Share this post


Link to post
Share on other sites

yes get both back + 8% int on every payment from its date

 

can i sugest you do some reading of the other like threads here

 

head office FAO: Data controller

 

you DO NOT NEED HOME INSURANCE

 

there are no rules that dictate stuff on HP must be covered by any ins

 

thats just THEIR unenforceable T&C's

 

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

Hi dx

 

I have been on here allday looking into this, and reading posts! i will be going down the road i was miss-sold it!

 

as at the time of takeing out my 1st item with BH i was told i had to have the OSC or i could not get the item!

 

just 5 mins ago i had BH nocking at my door, wants me to do a RW i dont think so....

 

Thanks

 

 

yes get both back + 8% int on every payment from its date

 

can i sugest you do some reading of the other like threads here

 

head office FAO: Data controller

 

you DO NOT NEED HOME INSURANCE

 

there are no rules that dictate stuff on HP must be covered by any ins

 

thats just THEIR unenforceable T&C's

 

dx

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...