Jump to content


  • Tweets

  • Posts

    • Hi. I posted on the facebook group about Hermes queries re: a parcel that Hermes said delivered but i didnt receive. It was a private sale of a mobile phone from a seller in Wales to me in Edinburgh.   The seller has stopped contact with me now so I cant get any help from them. Hermes are saying it was delivered but it wasn't.   I have got all copies of emails to and from the seller and to and from Hermes. A photo of the actual parcel that the seller sent me prior to posting.   There also seems to be a some confusion on the Hermes tracking info about which day it was actually delivered but either way I was in my house both prior and after the delivery.   There was no photo but it stated the driver got a signature. Not true cos it was a covid thing not to get signatures. No calling card to say it was left somewhere else or in a safe place. It just simply wasn't delivered.   I've been told to ask for GPS info in order to trace the delivery or driver. I cant even talk to a human or get a valid address to write to.   I sent an email to the CEO guy and still no reply. I've not reported anything to the police but I'm getting all sorts of contrasting advice to do this and not do that etc that im totally lost now.   If you read this David, please get back to me please. Much appreciated.   This happened in June/july so hope im not too late to still do something about it. It's just took this long to only get to this stage. 
    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just basically said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any evolvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Apon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
    • A body representing 290 airlines warns it will be 2024 before air traffic reaches pre-pandemic levels. View the full article
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Negotiating Final settlements with DCA. Help Needed


Please note that this topic has not had any new posts for the last 2731 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,

 

Due to bad errors in judgement, I have accrued 4 defaults on my credit file which I have recently been made aware of, 3 defaults (700+, 500+ and 500+) are from Lowell dating back to 1/2012 and the other default is with Natwest (11K+), 12/2011.

 

I have come to realise that I am fully liable for these debts and wish only to sort out the issues now rather than later. I see various posts saying to avoid communication with DCAs but if it is my debt, I do not see what other options I have...

 

The natwest default has been passed to moorcroft, who recently sent a letter to my parents address saying they have been asked by Natwest to consider legal action and I can only assume Lowell would have sent the same threatening letters.

 

It is bad enough there are defaults on my credit history, so now I need advice in attempting to negotiate settlements with these companies. I initially drafted up letters to the original credit suppliers but would I be right in assuming they would only redirect me back to the DCAs and would not even accept a final settlement, only the full amounts owed...

 

I am a student with no other income but student loans at the minute and this issue has been affecting me hard the last couple of days. If any template letters to arrange final settlements with the DCAs could be supplied, I would aim to take this action and hopefully rid myself of all the grief they are giving me.

 

If anyone could advice on the defaults on my credit file as well, as they are constantly being updated with the default balance every month and although I can manage it being on file for the next 5 years, would be grateful if there was a way of getting it removed.

 

Please help. Thanks

Link to post
Share on other sites

You need to establish if the accounts have been assigned/sold to the DCAs pursuing you or whether they are simply acting as collection Agents.

 

I suspect the NatWest account is still indeed with the original creditor and Moorcroft are only acting as a collection agent. This company are pretty unpleasant - they have absolutely no idea (or if they do, they choose to ignore) what the OFT say they can and cant do. I find it quite strange that their first communication with you would be to threaten legal action. £11K is quite a large debt so yes, it is likely NatWest might themselves start litigation, however they need to do things properly.. Eg, they must send a Default Notice, Formal Demand, Letter before Action. Have they done this ?

 

Lowells are a different kettle of fish. They are nasty, vindictive and incredibly keen to incorrectly use the Insolvency courts as a way of collecting their money.. They are likely to issue a Stat Demand at the drop of a hat and as they have 3 of your accounts which total over the minimum amount where they can issue a Statutory Demand. It is likely they will do.

 

However, it would appear that if the debts mentioned above are all you owe, then you could apply for Debt Relief Order - this is where you enter into an arrangement via a Debt Management Company - your debts Must be under £15,000 and you cannot own any assets. If you are a student - don't own your own home - have no expensive jewellery or vehicle, then this might be the way for you to go. After one year, you will be debt free and you can start to get on with your life.

 

You could have a chat with National Debtline who would be able to advise you on this. They are a Free Debt Counselling Charity. http://www.nationaldebtline.co.uk/

 

How old are these accounts ? and when was the last time you made any payment towards them ?

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

Link to post
Share on other sites

I have lived in various student accommodations and had not received all the necessary information relating to them, but they are debts I am liable for. Two of the Lowell accounts were only just assigned to them and from my credit report I believe the other Lowell account has been with them since last year.

 

The natwest account sent a formal demand and I immediately followed this up with a response but i received no further communications, which I suspect is down to various location moves. At the time moorcroft sent me a letter but I wrote back stating the account was still in dispute.

 

This recent letter was from Capquest (my mistake), who are saying they have been asked to consider legal action, turns out a spate of voicemails left by a company called dvsl were actually them. However my credit report shows the default under NwB current accounts.

 

No payments have been made to any of the accounts.

 

I am in my final year as a student and looking to get a job after graduation, so I am not sure a debt relief order is the best route.

Link to post
Share on other sites

What exactly are these accounts?

Loans, credit cards, overdrafts?

 

What is the Natwest account? A loan?

 

Have you reclaimed any fees/charges that have been added to these accounts?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Ah, well it looks like the Overdraft has also been assigned / Sold to CapQuest.

 

If there are are any default /penalty charges, then these can be reclaimed to reduce you liability.

 

All I can suggest you do, if you are not comfortable with a Debt Relief order is to produce a budget sheet showing your income as it is (not how you think it might be). There is no point in making a budget that assumes you will be working in X amount of time or that you think you might get a summer job. Nor should you even imply to the DCAs that you are hoping to start work in the near future.

 

I have attached a budget sheet for you below, or you can ask one of the Free Debt Counselling charities to help you complete a Common Financial Statement (this is acceptable to courts and the OFT say it is unfair for Creditors/DCAs not take notice of these)

 

Send the CF/Personal Budget to the Creditor/DCA along with one of the draft letters found in the CAG library.

 

If you show a negative disposable income, then so be it. They cannot get blood out of a stone, despite the claims they make to the Banks when touting for the debt business.

 

 

Ellens Budget Sheet.xls

 

You will find the CAG library at the top left of each screen - highlighted in green.

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

Link to post
Share on other sites

Mobile phone contracts £1 a month to each, end of.

 

Who was the provider, O2 by any chance? Bet there will be fees and charges added to these aswell which you can reclaim.

 

If possible, you should pay the original creditor, O2, Voda, 3, or whoever, failing that, and as long as Lowlifes have the legal right to collect these, then £1 a month.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...