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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
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    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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    • 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.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
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      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.
       
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Hi, this is my first time here and I really need some help/advice.

 

My partner claimed legal aid on the advice of his solicitor. Neither we nor the solicitor ever received an order granting legal aid but Rossendales immediately began sending letters requesting approx £7,500 to be paid in 3 monthly instalments (gulp!!). My partner arranged with his solicitor that he would pay the solicitor privately for a reduced amount.

 

Apparently, because the solicitor can make a claim against the legal aid fund, Rossendales will not close the file until the solicitor sends them a "letter of undertaking" stating that he will not claim against the fund. After 4 months we are at the stage where the courts have been informed that the offer of legal aid has been refused, the court, the solicitor and my partner have all informed Rossendales of this but Rossendales still refuse to accept anything other than "letter of undertaking" laid out in a prescribed format.

 

The solicitor states he has told Rossendales that legal aid has been refused and now he will not enter into any correspondence saying that any contract between my partner and Rossendales and the LSC is nothing to do with him. Rossendales HAVE put my partners file on hold so no enforcement action at the moment, and they are writing to the solicitor.

 

Meanwhile, my partner has dispensed with the solicitors services due to his complete lack of help on the matter and the solicitor is requesting his fees immediately. My partner feels as though he is "stuck in the middle of" Rossendales and the solicitor with both demanding money and there is nobody to intervene on his behalf.

 

We have made a formal complaint to the solicitor who "rejects as frivolous" our complaints. The legal ombudsman is now starting an investigation but they suggest we should pay the solicitors fees now. Please don't think that we are trying to avoid paying as the solicitor has done the work but he is refusing to contact Rossendales who sooner or later will take enforcement action.

 

I have tried to find some way of contacting the LSC direct but their website seems to be for legal practioners. I have the feeling that the solicitor will start legal proceedings soon for his fees and I am at the end of my tether.

 

Thanks.

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I will try and find some help for you.

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Can you please tell us a little more about the actual debt and enforcement.

 

Why did you need their services in the first place ?

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

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There is something not quite right with what you say. Normally for these things legal aid has been granted and payments made to the issuing authority - usually your solicitor. If it is then found you were not due to claim etc then the monies can be claimed back.

 

If you are saying nothing was ever granted then it should be up to the Legal Services Commission to call Rossendales off and it is to them you should look for an explanation.

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Sorry for delay in replying and tomorrow I may be without internet access due to changing supplier.

 

To citizenB - Legal aid was applied for and presumably granted but we never received anything form the LSC. The first notification we had was when Rossendales sent a letter saying they were contracted to act on behalf of the LSC to recover the contribution due from the my partner (£7,500 approx in 3 monthly instalments). At that point it was agreed with the solicitor that we would pay him privately and that the offer of legal aid was to be rejected. Obviously, when Rossendales did not receive the notification from the solicitor they continued to chase the first installment and then sent a letter stating we had 7 days to pay or they would take enforcement action. Thye now have the file on hold while thye try to make the solicitor send them a letter.

 

To ploddertom - I feel we may be at crosspurposes here. I understand that the solicitor can claim from the legal aid fund for his fees but the LSC want my partner to make a contribution towards the costs (£7,500) which is to be paid to the LSC. The LSC use Rossendales to collect these contributions. I would like to contact the LSC direct, explain the situation so they can either tell Rossendales to close the file or make the solicitor give Rossendales what they want so they can close the file but I cannot find anywhere where Joe Public can contact the LSC. Any contact details appear to be only for solicitors to contact the LSC so I was hoping that somebody on this site would be able to point me in the right direction re how to contact the LSC.

 

In the meantime, the legal Ombudsman has contacted me and appear to be incapable of understanding a word I have said and they have never heard of Rossendales _ I wish I hadn't either.

 

Thanks

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If the solicitor is at the end of the day, the only person who can stop this fiasco and he is being obstructive/uncooperative then a complaint to the SRA might well give him the prod he clearly needs....always worth getting in touch with them, I have found them very helpful in the past.

 

WD

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Thanks for your advice re the SRA. I have just been looking at their website and I will certainly contact them. A poster on a different thread has the contact details for the LSC so I will contact them also.

 

Thank you to everyone who replied.

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