Jump to content
  • Tweets

  • Posts

    • A couple days ago i started to receive emails from JD Williams all with orders i did not make totalling £450 , two orders with my address listed and another two with a womans name and address in lodnon ( im from wales ) , ,when i received the cofirmation order emails i logged into my account and everything was as it should be (no pending orders)  so thought it was a typical junk/scam email, when i received another order through my email it was bugging me so i used the same email as the username and a very old password and it logged me into a old account i never knew existed , this is the account the orders were made through.the items were already dispatched so it was to late to cancel , i contacted jdwilliams and they put a fraud marker on my account and told me to email jd willimams fraud team ( waiting for a response 4 days later)  i tracked the hermes delivery today and the items were left on the fraudsters doorstep with a picture taken from hermes for proof of delivery , im very worried  and dont know what to do , should i contact the police or wait for a response from the investigations team?     Any advice would be greatly appreciated   Thanks
    • I would deal with this the same as I deal with the Parking People.    1. Get stroppy - fight for your money back. 2. Tell the debt collectors - this is harassment - and charge them £196 every time they write to you. 3. Court action for the return of your funds.   Or write off what you've paid and accept the lesson on the chin - but maintain the issue with the debt collectors if they pursue.    These people are utter [Insert Your Own Words Here]   Richard (Nobby)    PS Oh and edit the post to put some space in the post if you can.     
    • Hello and thank you for the detailed answer.   I have checked that website. The MPRN matches with my bill and the gas supplier appears as EON. Then, out of curiosity I checked my neighbour supplier. I know that they have the electricity with EON based on their smart meter, but their gas supplier is British Gas. I do not know how frequent it is to have different suppliers. Either way, It seems like EON is supplying my flat (based on those numbers), but I still have doubts with regards to which one is my meter and whether I am right when thinking that I am using the wrong meter.   Any suggestions  from this point?       Hi! Thanks for the answer. I am afraid I will have to do it. I just want to be certain before going down that road. Additionally, how will they evaluate my consumption if there is no initial reading to estimate from?   Many thanks!!
    • Hi thanks for the reply and good point. Well after I run the HPI check, I read a lot and also came to know TAX is not transferable, so I went to the gov.uk web and paid the tax in full for the whole year. Since then, I tried to exhaust the web for any information related to this car and made a list of past owners (because I am not sure who holds the title with Moneybarn since Moneybarn will only declare a good faith title if I purchased the car from their customer). So in total there are 5 registered keepers/owners of the car  (incl. myself). From the service records I traced the first ever driver/owner, he said he returned the car to Mercedes, so it means he leased it and the car was registered with a lease/finance company. I could not get details from Keeper 2, but it seems he sold the car after 3 months. Keeper/owner-3 also no details but he sold the car after 12/13 months. Keeper/owner-4 is the seller I purchased the car from. Keeper/Owner-5 is myself.   I tried to trace more and more and used google tools as much as I could, and found out that the car was advertised on July 2020 and Aug-2020 by a car dealer in Sussex on Gumtree! And the car was sold by them on the 29 Aug 2020...so most likely it was sold to Keeper/Owner-4, from whom I purchased the car.   So I made a list of past owners and tried to identify who could hold the title with Moneybarn...after weighing in my assumptions and findings, I came to the conclusion that Keeper/Owner-4 may hold the title. And since the car was advertised by a car-dealer, then I assume they should have run an HPI check. Maybe, just maybe, Keeper/Owner-3 may have traded in his car at this dealer and the car dealer took the Mercedes in as p/x exchange.   So today, i will drive down to the car dealer in Sussex, and try to find out more. If Keeper/Owner holds the title, then I have a better chance to get a Good Faith title from Moneybarn. I never thought I would run into this nightmare but I am weighing down my options, if I have to loose the car, I will try to loose it royally and drive around EU before returning it in the most deplorable state I can.   But then again, if Keeper/Owner holds the title, and he does not default his payments to Moneybarn, can they still repossess the car?
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2795 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, am new on here and probably in the wrong place but here goes.

 

We have had our mortgage since 1993 not sure if there is some kind of timescale for making a complaint

 

we feel we were missold our protection due to the fact my husband was on full pay for 6 months in the event off sickness or accident.

 

Also we were led to believe that we might not get the mortgage if we didnt take this policy-

 

I actually have this in writing from the britannia.

 

It does state on the letter our right to cancel,

but immediately after that it states in bold capital letters

 

NOTE- THIS PRODUCT MAY BE COMPULSORY WITH YOUR MORTGAGE.

 

Would that have been correct??

 

Thanks in advance

Link to post
Share on other sites

Hello and Welcome georgia099.

 

I have moved this thread to the PPI Forum, hopefuilly you'll get some help shortly.

 

Regfards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

def not correct

 

that sounds like a slam dunk guaranteed reclaim.

 

should be worth £1000's

 

do you know what you have paid per month on PPI?

 

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

you'll be surprised!!

 

if you are bring charged monthly interest on the monthly PPI payments

 

then use the foscisheet

 

if it appears you are not

 

then the statint sheet

 

however you need to input EVERY PPI payment, its amount and date.

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

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

stay seated when you get the total!

 

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

got excel?

 

if not download open office

 

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

Hi

 

got my brother on the case with regards to the spreadsheet but in the meantime have called britannia

 

to register complaint just to get the ball rolling.

 

The advisor on the phone says that it probably was compulsory as a condition of a possible deal on mortgage!!

 

Dont remember any deal but however she asked me to send copy of this letter as is pre 1999 when they changed their systems

.

What do you think??

Link to post
Share on other sites

no such thing as compulsory PPI!!

 

shame you didnt record that call

 

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
  • 2 weeks later...
no such thing as compulsory PPI!!

 

shame you didnt record that call

 

dx

Ok got a response today.

 

Apparently we were introduced by a broker.

So the Britannia didn't advise us; the broker did .

It was Britannic not Britannia that advised us and they say we should take our complaint to them.

 

However it was the mortgage product we are complaining about with the compulsory payment plus so I think it's Britannias responsibility as I believe that although mortgage lenders can actually insist on ppi, they cannot insist iTunes be theirs.

 

Britannia say to direct complaint to Britannic as not their problem.

 

Don't think I'm going to get anywhere with this as was 1993 and I don't have any other records and doubt Britannic will have either from so long ago.

Link to post
Share on other sites
Ok got a response today.

 

Apparently we were introduced by a broker.

So the Britannia didn't advise us; the broker did .

It was Britannic not Britannia that advised us and they say we should take our complaint to them.

 

However it was the mortgage product we are complaining about with the compulsory payment plus so I think it's Britannias responsibility as I believe that although mortgage lenders can actually insist on ppi, they cannot insist iTunes be theirs.

 

Britannia say to direct complaint to Britannic as not their problem.

 

Don't think I'm going to get anywhere with this as was 1993 and I don't have any other records and doubt Britannic will have either from so long ago.

 

Lol didn't mean I iTunes meant to say they can't insist it must be theirs.

Link to post
Share on other sites

there is NO legal requirement for PPI

 

the ONLY thing you must have is building insurance

 

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
there is NO legal requirement for PPI

 

the ONLY thing you must have is building insurance

 

dx

 

So who is at fault?? Britannic for arranging the mortgage and ppi or Britannia for selling compulsory products?? I need to know what to do now x

Link to post
Share on other sites

they are making comments so they must have the data

 

why are you saying they dont?

 

have you sar'd them ?

 

they cant just fobyour off without proof

 

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

Britannia have sent a load of bumpf with their letter

 

but they say Britannic advised us so it's their problem.

 

I'm saying I don't have any paper work relating to Britannic ??

 

But my argument is that we were sold a policy that wasn't required by law, however will quote you a paragraph from a copy of the mortgage advance that Britannia sent us;

 

Buildings and contents insurance will be arranged under the multiguard scheme of the society and additionally Payment Plus insurance must be taken out. Should either policy be allowed to lapse before the first anniversary of completion of the advance the society reserves the right to withdraw all discounts and revert during the first 12 month period the rate of interest to the society's standard variable base rate.

 

 

So I presume this is the deal they were on about.

 

Does this help??

 

Sorry for being a bit thick but heads a bit mashed with it all x

Link to post
Share on other sites

that cetainly does help.

 

thats very damning , whoever is writing that is your target.

 

can you scan docthat up please?

 

very interesting.

 

you dont HAVE to have anything other that building insurance

unless you already had it.

 

so this could be more than PPI mis-selling here

 

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...