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


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

Share this post


Link to post
Share on other sites
YES!!

 

dx

 

Hi there ,

just new here but could you please explain how you can claim back OSC , when it is optional and you have the option of taking it or not ?

 

Thanks

 

jakeyboy07

Share this post


Link to post
Share on other sites

Hi,

 

Did you read what has been said in the posts?

 

Thanks

 

Hi there ,

just new here but could you please explain how you can claim back OSC , when it is optional and you have the option of taking it or not ?

 

Thanks

 

jakeyboy07

Share this post


Link to post
Share on other sites

Hi citizenB,

 

 

Thats the first thing i did today! went and got paper

 

 

did not think to look online, :wink:

 

Thanks mate,

 

Share this post


Link to post
Share on other sites

:lol: Never mind..

 

It is a good article for sure.


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

Share this post


Link to post
Share on other sites

Full page in the paper! :madgrin:

 

:lol: Never mind..

 

It is a good article for sure.

Share this post


Link to post
Share on other sites

I have sent some emails out! trying to get on TV about all this, watch this space! :roll:

Share this post


Link to post
Share on other sites
Guest Ann-Marie at BrightHouse

Good Afternoon Marcus6

 

Thank you for your recent post/s regarding the information provided to you.

 

We have initially reviewed the information sent however have not found that documents not related to your account were enclosed. We are happy to look into this further if you feel the information is inaccurate. Therefore, kindly request that you send any information you are querying to the below address.

 

Kind Regards

 

Ann-Marie

Web Relations Team

Share this post


Link to post
Share on other sites

Of course you would say that. If you admitted it then the ico would be all over you.

 

However if the poster is in receipt of someone elses documents then the evidence is irrefutable regardless of your 'investigations'


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

Hi Ann,

 

 

 

Most of the info is here! that i asked for, most of the information is accurate apart that contract i was sent thats not in my name? and this>>I have a Agreement from an item, on it is says the item is NEW!! when i got it? but when i look at the same Agreement that CFL/BH sent me when i SAR them "ie" the copy, That item is down as being SOLD as USED!!

I look forward to your full and prompt response!

 

Thanks

 

Good Afternoon Marcus6

 

Thank you for your recent post/s regarding the information provided to you.

 

We have initially reviewed the information sent however have not found that documents not related to your account were enclosed. We are happy to look into this further if you feel the information is inaccurate. Therefore, kindly request that you send any information you are querying to the below address.

 

Kind Regards

 

Ann-Marie

Web Relations Team

Edited by marcus6

Share this post


Link to post
Share on other sites
Guest Ann-Marie at BrightHouse

Good Morning Marcus6,

 

I have asked for all of the issues you mention above to be addressed in your final resolve letter. I have been told that this should be with you late this week.

 

As a general rule, this can happen if any amendments are made to the agreements.

 

Regards,

 

Ann-Marie

 

Web Relations Team

BrightHouse

Share this post


Link to post
Share on other sites

Thank you!

 

and lets hope it's a good final resolve letter then! but i dont think it will be.

 

Good Morning Marcus6,

 

I have asked for all of the issues you mention above to be addressed in your final resolve letter. I have been told that this should be with you late this week.

 

As a general rule, this can happen if any amendments are made to the agreements.

 

Regards,

 

Ann-Marie

 

Web Relations Team

BrightHouse

Edited by marcus6

Share this post


Link to post
Share on other sites

I got home from hospital today! and my wifes tells me customer Relations called from BH. !?!?!

Share this post


Link to post
Share on other sites

Ignore it. Write to them and restate your instruction for them to write. Not phone.


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 was not going to phone! and will never phone them ever.

 

@Ann-Marie

 

Web Relations Team

BrightHouse

 

 

Ann? could you please ask them what they wanted! and post it here or send it by email or post,

 

would you like my Email add?

 

Thanks

 

 

Ignore it. Write to them and restate your instruction for them to write. Not phone.

Share this post


Link to post
Share on other sites
Guest Ann-Marie at BrightHouse

Hi Marcus6

 

Yes, the Customer Relations Manager tried to contact you yesterday to discuss your complaint in more detail.

 

If your not happy to speak to her then its completely your choice, we can put this all in writing to you and hopefully get this resolved for you as quickly as possible.

 

If you do want to speak to her then please give us a call on 0800 526069.

 

Kind Regards

 

Ann-Marie

Share this post


Link to post
Share on other sites
Hi Marcus6

 

Yes, the Customer Relations Manager tried to contact you yesterday to discuss your complaint in more detail.

 

If your not happy to speak to her then its completely your choice, we can put this all in writing to you and hopefully get this resolved for you as quickly as possible.

 

If you do want to speak to her then please give us a call on 0800 526069.

 

Kind Regards

 

Ann-Marie

 

Hi ann,

 

To speed things up she can email me! I have set up an email just for this,

 

marcus6THMF@hotmail.co.uk

 

Thanks

Share this post


Link to post
Share on other sites

They still dont seem to get it do they. Youve stated writing only yet theyre still trying to get you on the phone.


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

OMG how bad are you guys at BH! you try phoning me when i have said before that i will not talk to anyone from BH on the phone! i offer up an email that i set up for just this, but still no email and still no Reply on here from my last post,

 

I had a feeling no letter would be here this week like you said!?

 

Time is ticking! and it will soon run out and not for me may i add, as i am more than happy to take this to OFT,FOS, & FCA and then to Court,

 

(Just to let you know my medical condition becomes worse with stress! and with that i end up in more "pain") and i will be seeking compensation & damages! if this ends up in Court.

 

 

I look forward to your full and prompt response!

 

Thanks

 

Good Morning Marcus6,

 

I have asked for all of the issues you mention above to be addressed in your final resolve letter. I have been told that this should be with you late this week.

 

As a general rule, this can happen if any amendments are made to the agreements.

 

Regards,

 

Ann-Marie

 

Web Relations Team

BrightHouse

Share this post


Link to post
Share on other sites
Guest Ann-Marie at BrightHouse

Dear Marcus6

 

Thank you for your update.

 

I can confirm the Customer Relations Manager emailed your earlier today.

 

Kind Regards

 

Ann-Marie

 

Web Relations Team

Share this post


Link to post
Share on other sites

Thank you!

 

I will take a look in my junk folder as its not showing up in my email box?

 

Dear Marcus6

 

Thank you for your update.

 

I can confirm the Customer Relations Manager emailed your earlier today.

 

Kind Regards

 

Ann-Marie

 

Web Relations Team

Share this post


Link to post
Share on other sites

Hi there, yes its there, forgive me! but its more or less the same as you post on here. 15.33 it was sent,

Dear Mr B

 

Thank you for providing your email address for me to contact you.

 

I did call yesterday to update you of the investigation in to your complaint which is currently ongoing and advise the final response letter will be sent to you by early next week. I am sorry for the delay and appreciate your patience in this matter.

 

If you would like to discuss anything in relation to your complaint please do not hesitate to contact me on 0800 526069.

Kind Regards

 

xxxxxxxxx

Customer Relations Manager

 

 

what do BH not under stand that i dont wish to talk on the "PHONE"

 

Lets see what they call a final response!?!? Theres only 1 thing that needs to be with that letter and if its not, i cannot see it being final response.

 

 

 

Thanks

 

 

Dear Marcus6

 

Thank you for your update.

 

I can confirm the Customer Relations Manager emailed your earlier today.

 

Kind Regards

 

Ann-Marie

 

Web Relations Team

Edited by marcus6

Share this post


Link to post
Share on other sites

Brighthouse ignoring OFT guidance yet again. I think its time we got full complaints going to the regulators now. Enough is enough.


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

Early this week they said i will get Letter, monday / tuesday (is Early) lets see if it turns up! tomorrow?

Share this post


Link to post
Share on other sites
Early this week they said i will get Letter, monday / tuesday (is Early) lets see if it turns up! tomorrow?

 

no letter today, well early next week. has come and gone, dont hold much hope for it being here this week to be fair!

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...