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    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
    • Hi, OP sister here, im going to try and explaine in full details from start to present and see if you have any advice for me on what i can do. on 15/1/2021  at 16:25pm i was traveling along hazlebarrow cresent wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR seddon. ( im going to attatch a street veiw picture and diagram wich will be more helpful in understanding how the accident accured ect) .  The owner of the parked car, which i will refer to as Mr simpson came out of his house. Myself, mr seddon and mr simpson exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property. I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect . by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and mr seddons van ect). Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.  Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability. an engineer had collectes my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .  I didnt hear nothing for around 2 weeks so i comtacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability' i asked them why admirel consider themSelf not liable and she read from the notes ' mr seddon said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' . the lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault. I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of wich i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.  The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.   Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the ' none prejudice payment) I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .   I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . again she said ' its still in dispute, admirel are not budging i have to pass this on to management. She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!? Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum and you guys had mentioned the hire car rates may fall back on me. I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. and the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' . i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport' I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i didnt have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.    After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' . will they find any fault with the contract just to try and lumber me with the debt? , as it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.  And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?    As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.  Tomorow i am going to read thoroughly through the ' hire car contract' . i am going to give them another call and record them saying i am not liable for the debt. Any advice on how i can just give the hire car back to them without me being liable to pay the debt?  Thank you Gemma
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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Co-op threatens sanctions and financial punishment.


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Received a standard letter template from the Co-op, hopefully attached?

 

However, it wasn't until I re-read their missive that I noticed the wording they used.

 

"Continued misuse of your account means that we can impose restrictions to your banking facilities, including your debit and credit cards, or even close your account"

 

Now considering this is only the second time I have bounced a direct debit, I find their language very threatening, quite how depriving me of £30 is ever going to force me to not "misuse" my account is totally beyond me?

After all, isn't the reason why these DD bounced because I didn't have enough money in there in the first place?

 

No wonder the finance industry is in such a mess, I rang them (Truecall) and spoke to a pleasant enough lady who told me they can only waiver bank fees once in a 12 month period, when I told her that the only payments going into my account between now and their attempted 'charge' of £30 is going to be my benefit money, it sort of fell on deaf ears, 'it's in the terms and conditions' yadda yadda yadda, 'were allowed to take money out of the account' yadda yadda yadda.

 

So letter of complaint is going out first thing tomorrow, along with my thoughts on why I feel their charges are unfair, and if they wish I will send them a letter of appropriation. In the meantime I'm looking for another bank!

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!

 

 

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Whenever i argue with my bank, i always demand to know the name and employee ID of the person i am talking to, so i can call them as a witness if i need to take court action. You wouldn't believe how fast i get passed to a manager and have my problem sorted.

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

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'were allowed to take money out of the account'

 

Who do they think they are, some government office or the tax man. They are just another business but one that gets it's stock (our money) for nothing and makes a profit on it, a bit like the waste recyclers but less ingenuous.

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Yes she did try and get me to speak to her manager, but I told her I would rather deal with this in writing so I can have a paper trail of evidence.

 

Don't really want to transcribe all the calls..:lol:

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!

 

 

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  • 2 months later...

So, ended up telling them I'll need a £30 overdraft to buy some food for the month seeing as they had taken my benefit money.

 

They ended up giving me a £40 O/D, which I used £30 to buy my food, and took the extra £10 as a means to compensate me for the trouble they had caused.

 

I then opened a new account with a separate banking group, and transferred all payments to it. Leaving Co-oP with a £40.17p O/D.

 

Looking forward to the ensuing influx of deforestation.

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!

 

 

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  • 2 months later...

Well this has escalated somewhat!

 

Not at all worried mind, truecall is doing a stirling job rejecting all their calls, and recording all their failed attempts to harass me via the phone.

 

Todays post brought me a DN, and a faulty one at that!

Whilst they have learned to give the required fourteen days in which to rectify, and state an actual date, unfortunately the amount they want is the total amount they claim is owing, tut tut, try again, and remove the bank charges you have added and the interest it has accrued on those charges, then come back and we can talk like adults.

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!

 

 

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  • 2 weeks later...

58 calls since the 15th Oct, all expertly rejected by Truecall.

Now correct me if I am wrong, BUT, I have made it clear to them verbally NOT to call me again, (letter to go out this week regarding their harassment, and the charges I will present them with should they continue to ignore my request)

 

I am quite sure that truecall informs the caller that their call is not appreciated and NOT to call again? Can't get much clearer than that, at least they can't say that the five calls in one day they made they didn't understand?

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!

 

 

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Harrison v Link.

 

Hit them where it hurts.

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

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  • 2 weeks later...

So after sending them a suitably direct letter informing them to remove my number from their database yadda yadda yadda, and to never call me again,

the total number of calls they have now made stands at 83, yes eighty three!

So by my poor maths @£18 per unwanted call = £1494.00 then the fee on top of that plus interest at the stat rate... :typing:

 

So just to inform the 'collections department' exactly where I'm at, I rang them and told them that I issued them a letter of harassment last week, and it clearly stated should they continue in their harassment and intimidation, that I would be billing them for the entire call history they have made. They have continued, so I have again informed them verbally, to remove my number from their systems, only for the silly boy to respond with 'they might contact you again when it gets to our other department'?

 

More fool you if you do!

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!

 

 

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  • 5 months later...

Just a V.quick update on this, currently paying them £1 a month, they still have ownership of the account and the £1 a month payment is coming off the total owed.

 

They have also refunded the bank charges and interest added to those charges, bringing the account below £180....

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!

 

 

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  • 1 month later...

Lovely letter off Co-oP, informing me that Robbersway are now in charge of this account, and all payments blah blah blah must go to them...

 

S/O won't be getting changed, £1 a month is still being paid to the bank direct, looking forward to Robbersway first threat letter.

Truecall will hopefully start logging their failed telephone harassment calls, lets see how many the bank can rack up this year, as it is ultimately their responsibility of any

third party they choose to employ, they can carry the can!

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!

 

 

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  • 2 months later...

Ok, need to pick some brains here.....mine is defunct!! :frusty:

 

To date, Robbersway have sent me three missives, last one being yesterday, gave em a little toot, wanted to bait them for a while, anyhow..

 

This account has now gone through the whole, default and termination process twice, first was figures WITH fees/charges/int second one was WITHOUT

all of their fees/charges & Int, plus Int was stopped before they terminated.

 

A GOGW was made by me as a result of their GOGW to refund all fees etc, of £1 a month, they obviously wanted a I&E form filling in, 'computer say's No!'

just set up a S/O to maintain monthly payments, however......

 

On telling robbersway that I was paying the bank direct, they insisted that the bank hadn't received any payments since June, so checked online banking and sure enough, they were returning my S/O the day after it had left my bank..

 

I'm just putting a letter together of my own to send the bank to question them as to the legality of what they are doing.

Now as I understand it, when the agreement is terminated, that basically means that the agreement no longer exist (Y/N?) therefore unless there is any express permissions written into the agreement, interest, charges, fees etc can no longer be added as the agreement which allowed them to do so has been terminated by themselves? (Does that make sense?)

 

Therefore, the part that says they ''may pass your account onto a third party debt collector to collect on their behalf'' is surely unfair/unlawful?

 

And IMO the only way they can get around this is by selling the account under the LOPA giving the 'new' owner the debt to chase, but surely they would need you to make a new contract with them in order for you to pay them?

 

Or am I really really confused?

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!

 

 

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Isnt there a law or regulation that says a creditor cannot refuse a valid form of payment towards an outstanding amount owed?

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

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I think your right, there was one somewhere with the OFT DCG, time for some digging.....

.

.

.

.

A ha!

[Note: paragraphs 3.9c of DCG and 3.48 of DMG](2) unless the credit agreement requires payments to be made to a third party, refuse to accept a payment tendered to the firm by the customer or by a person acting on behalf of the customer;

http://fshandbook.info/FS/html/handbook/CONC/7/12

 

I think I might be understanding it a little better now......so whilst the 'agreement' has been terminated, the actual 'contract'' has not.....? :noidea:

 

Time to start reading the small print I think, back in a week!

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!

 

 

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  • 4 months later...

So CooP have now sold the ''ACCOUNT NUMBER'' only? to 'Asset Link Capital (No.5) Ltd (ALC5) Who have 'appointed' Link Farcical Outsourcing Ltd (link) to manage this account on their behalf??

 

Confused, yep me too?

 

I'm going to hold off baiting them for a while, just until I can do some research and then ring them, only to laugh you understand.....:phone:

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!

 

 

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if the only payments into the account are clearly marked as benefits

then BCOBS should kill the debt dead.

 

 

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?414497-Success-with-Satans-bank-using-BCOBS

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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Sorry attempted to post up the two scanned letters that Link sent, one they allege to be from the bank, but in the same font, and on the same paper as their own begging letter.

 

I know they use others letter headed paper, but I've already lodged a complaint to the bank using the word, 'fraudulent use of' and am leaving link farcical to their own devices for the time being, lets see how much rope they need to hang themselves...

Edited by Bazooka Boo
Brain fart and can't post up scanned missives??

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!

 

 

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With a little luck, the attachments should show the latest missives from, link,

 

 

and the fake letter from the Co-oP bank,

 

 

both sent in the same envelope,

 

 

both with the same font,

 

 

and both using the very same paper,

 

 

yes I really do inspect these missives that closely!

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!

 

 

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sadly the debt buyer are permitted

to use the OC's logo's etc.

 

 

in a NOA.

 

 

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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Hmm, but I'm thinking along the lines of SLC and their use of fake DCA's etc......

 

Surely this is misrepresentation?

 

Doesn't really matter to be fair, as I don't deal with DCA's, unless I want to bait them....I don't know, these are the second

clowns to chase for this, surely they know they're :deadhorse:

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!

 

 

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  • 4 months later...

The latest missive in this somewhat tedious saga.

 

I note that they claim to have sent me correspondence before, they've not, this is the first begging letter they've sent.

 

I also note that they claim that the debt is registered for six years or until the balance is cleared!

 

Maybe they know something we all don't?

 

Ha ha, my bad, school boy error! Convert jpeg to pdf.....

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!

 

 

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begging letter

 

 

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
begging letter

 

 

dx

 

I know, I rang them and told them I wouldn't be paying them anything, as I was previously paying £1 a month direct to the bank who kept on refunding

the payment to my account before selling it on.

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!

 

 

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