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    • you've not invoked anything with any laws behind you like your rights under the CRA, you've accepted a repair/refund under their warranty/guarantee scheme. two very diff things. unless there is something in their T&C regarding payment timelimits not much you can do. dx
    • i dont think you understand what im asking...i havent waited 40 days on my part or waited around. i emailed them everyday to get my refund as they just didnt pull their finger out and didnt even reply. ive now got the refund but ive wasted money and about 2 days in time and effort. playing law?  i thought the idea of asking for specific advice is so i can go to the company and quote a simple act.. ie 'consumer rights act 2015' or similar/whatever applicable act.. that says i have to have a refund within xxxx amount of days which means that they will say somthing like "ok yes we didnt provide you the refund within that time so we'll compensate you for the time" or they'll just try to fob you off thinkg that you dont know your rights so will give up.   i rreally dont get why you'd waste time by not including it and having everything prepared to save the too-ing and throw-ing as i suspect ill get denied again with the same bs and fobbing off?  
    • I'm fairly late to this thread but I have to say this situation sounds nuts to me. Could you remind us why you're paying the bills for somewhere you don't live? HB
    • No, if they've already agreed a refund just send them an email   They are exec emails you don't need to play law you don't even know.   Just send them. Not really suprised you're waiting 40 days when you wait around like this....
    • The tenancy is now in her name. The bills she left as occupier did not actually change them to her name I ended up paying them even though I informed them I moved out a month later I got a bill and the month after. Due to her usage they keep saying it's a closing bill which I have paid 3 times now. The council tax will be in her name she just won't pay it as she has not paid it since 2015 that I know of I'm having to pay it all.  We met in 2018 but she says it's my fault she did not pay bills before we met. I have been paying them since.
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Help needed with HFC claim please


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  • 2 weeks later...
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not forgotten

 

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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  • 2 weeks later...

tried 4 times

I just need someone to do the dirty work.

 

cant spend the time typing in 7 sheets of data.

 

from the statements of loan 6 I need EVERY payment or reversal entered into this sheet with its date.

 

i'll do the rest.

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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Share on other sites

getting there

 

sri I should have pointed to the file

 

all these need to be inputted

inc the minus reversal ones.

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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Share on other sites

getting there

 

sri I should have pointed to the file

 

all these need to be inputted

inc the minus reversal ones.

 

Thats going take some time will try to do it over the weekend

HFC go get them:-)

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dx I have entered the data, if you could have a look to see if it's ok. I'm sure I have entered all the data in the correct places but if you spot any mistakes just let me know.

 

 

Angie I tried to get it done before the football tomorrow (come on the Toon):-D

david

HFC go get them:-)

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dx I have entered the data, if you could have a look to see if it's ok. I'm sure I have entered all the data in the correct places but if you spot any mistakes just let me know.

 

 

Angie I tried to get it done before the football tomorrow (come on the Toon):-D

david

Thank you soooo much,lol! Hubby and son support Man United so dinner will either be very early or late tomorrow!

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ok that'll do for now

 

ideally the reversals should be -£155 etc

 

this is NOT anykind of reclaim.

 

what this is doing is preparing to do what IMS indicated above

 

the next step is trimming that down [as such]

 

and then working out what each rollover [from the old loans] % equals.

 

a bit like this bit of above:

 

ok so let's at least get the loan 5 figures worked out which we can use up to the point of settlemrnt by loan 6.

Loan 5 total amount inc PPI was £12534.25

Loan 5's own PPI was £2534.25

Loan 4 PPI rolled into loan 5 was £1,788.23

Loan 2 PPI rolled into loan 5 was £1,055.26

Loan 5 PPI was 2534.25/12534.25 x 100 = 20.22% of loan 5

Loan 4 PPI rollover was 1788.23/12534.25 x 100 = 14.23% of loan 5

Loan 2 PPI rollover was 1055.26/12534.25 x 100 = 8.42% of loan 5

Those will be the percentages of the respective PPIs in the loan 5 repayments.

 

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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you just type it in -115

 

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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that's great

 

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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Share on other sites

  • 2 weeks later...

god has it been that long.

 

ok sri

soon

 

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... 

Link to post
Share on other sites

loan 5 PPI = 20.22%

[22:32:12] ims.21: Loan 4 PPI in loan 5 = 14.23%

[22:32:25] ims.21: Loan 2 PPI in loan 5 = 8.42%

[22:32:39] ims.21: That measn that the PPI figures rolled into loan 6 are...

[22:32:52] ims.21: £2790.36 loan 5 PPI rolled into loan 6

[22:33:12] ims.21: £1963.74 loan 4 PPI rolled into loan 6

[22:33:30] ims.21: £1161.96 loan 2 PPI rolled into loan 6

 

i'll play later

 

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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well only rollover

it does not have a ppi policy itself

 

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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Share on other sites

well only rollover

it does not have a ppi policy itself

 

dx

 

Maybe, but it would never have occurred to me about the rollover from the previous loans. It certainly never occurred to us at the time they kept offering us new loans. How naive we were.....

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I think I've got it now

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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i'll have to look

there should standalone spreadsheets for 2,4 & 5 here by dave somewhere.

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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