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    • Hi   Irrespective that you were given this property via the homelessness scheme in your area you would more than likely have signed an agreement for that property so forget about the homelessness an you then became a Tenant of that Housing Association and have the exact same rights as any other tenant of that Housing Association.   I do have compassion for you in this situation as you have been trying to get your life back in order and it as been one obsticale after another then this flooding which due to it being raw sewege has more than likely detroyed what belonging you had.   What I am going to say now you won't like to hear but with Housing Associations the contents of a Tenants property is for that individual Tenant to ensure they have proper 'Contents Insurance' for situations similar to yours and most Housing Association should advertise/let Tenants know this responsibility.   Were you ever informed of the above requirement when viewing/signing the agreement for the property by either the Housing Association/Support Worker? (if the answer is NO then bear than in mind as this is ammunition to use against them)   Now anytime you write to the Housing Association on this matter you make sure and title your letter as a 'Formal Complaint' and to keep a good paper trail of everything and ask the post office for Free Proof of Posting.   You also need to make sure that you take photographic evidence of all the damage to the property not just your own belongings.   Now as state you now need to make a Formal Complaint in writing explaining everything that and what you have been told to date and that you require the following:   1. Clarification as to how many complaints have been made in your building due to drainage issues whether it be an individual properties toilets/sinks/baths/showers/kitchen sinks/washing machine drainage etc.  ( just to clarify you ar not asking for that individual/Tenant data but the statistics of how many compliaint's on this matter) 2. Clarification as to who is responsible for the Drainage outside the building (refer to the exact blockage area outside the building) whether it is the Housing Association/Council/Water Company. 3. Copy of your Compensation Policy (not the leaflet) 4. Copy of your Complaints Policy (not the leaflet) 5. Copy of your Customer service Charter/Policy (not the leaflet) 6. Copy of your Public Liability Insurance (not the leaflet) 7. Copy of Repairs an Maintenance Policy (not the leaflet)
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    • I've started working on the defence. There are lots of threads on this forum. I have to admit, they all seem pretty different, e.g parking fines, catalogue debts, etc, but I'll come up with something and come back.   I was speaking to an ex-colleague earlier today (he's also received the claim/impending court action form) and he's working on his defence too. He's in touch with more people than I am and he's learnt that there are dozens of others that have also received letter before action/of claim, and/or actual claim (court) letters. So it seems Centrica are well aware of what they're doing and have instructed CST to hit out and get some money for them.   My current union (Unite) have told me, well, their solicitors have told me, there's not much they can do and suggested I should reach out again to the GMB, who were my union when I was with BG. So I've got the number of the union rep and I'm going to text him tomorrow; ask if he's aware of what's going on and if GMB have had any involvement, or can provide any advice, assistance, or information - you never know.
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Cash4phones - help with MCOL **WON AND ALL COSTS TOO**


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Hi

 

Exactly the same problems.

 

Cash4phones claim they have already recycled my phones due to me not responding within the 5 day period.

 

I constantly rang - they do not answer the phone, and emailed - they do not respond.

 

I have since send recorded delivery letters and they have responded, offering more money but still not paying.

 

I would like to take this further through the moneyclaims.gov.uk and have read speck1965 link.

 

Does anyone know how long court action takes?

 

The fact I accepted a lower offer (not the original low) if they paid within a time period,

does this affect me claiming for the full amount they initially said they would send?

 

Would appreciate any advice.

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I am having the same problem as many others with cash4phones.

 

Same story, offering lower saying phones were scratched etc.

 

I have sent 2 recorded delivery letters, the first one with photographic evidence of my phones

and the second one stating I wanted to resolve the matter.

 

I finally received a call from a member of staff who doubled the lower offer and said it would be paid into my bank account within 48 hours.

 

As I wanted the matter resolved I accepted this.

 

However, 10 days later and several more emails to them I have now decided to start legal proceedings.

 

I have registered on the MCOL but it only give 1000 characters.

 

I'm worried I can't put all the details down that I want even though it's saying "a brief statement".

 

Can you advise what to put?

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All you need do for the initial MCOL submission is to put an outline of your claim and then send a fully particularised claim to the defendant and the court afterwards.

 

However, I think if you have accepted their offer then you might have problems with your claim. I will try and find some help for you.

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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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I have never accepted the offer on their site but told the member of staff in the telephone call if payment was received immediately, to put an end to the matter I would accept. As they are still refusing to pay or answer emails I have no option but to take it further. Do you think I'm wasting my time?

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Have you received payment at all?

 

No nothing. As before not answering emails or Phone. Even got a personal email address which had a response first time. Not replying now.

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Okay well if you have accepted and they havent paid i would push forward with the claim... I think its best :)

Be creative on this one... Explain in basic why you are claiming then go into more detail when you need to :)

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Righto, you say you haven't received any money so a lot of the following is probably irrelevant.

 

But what you need to do is to send a Letter Before Action advising that on consideration you are not going to accept their offer and advise what you do want in order to resolve this. Give them 10-14 days to comply or you will be issuing a claim.

 

HTH

 

If shes accepted their offer and the cash is imminent then its poor form to then issue legal proceedings.

 

She should (if the money is paid in) refund it and also attach a LBA explaining that on consideration she has decided not to accept their offer and state what she initially requires for satisfaction.

 

 

Bear in mind this would be SCT and the costs of instigatiing should be included within the LBA.

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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I've already sent 2 letters recorded and this is why I had the phone call. Had a personal email address which I have since emailed stating I will continue to take action further. They've had plenty of notice.

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  • 2 months later...

own thread created

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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:lol::lol:Great News!

 

I have finally received all my money in full including costs!

 

Didn't want C4P following any threads so didn't post.

 

Sent the phones off in July expecting £163.

Got offered £55.

No answering of telephones, no response to recorded delivery letters and then

 

finally received a call from Piers in August offering £100.

 

I was so sick of the company I accepted, providing it was paid within 48 hours which he confirmed it would.

No payment, no replies to emails or calls so

 

took action through Money Claims Online claiming for postage, phone calls and £25 court costs.

Received £100 immediately at the beginning of September

but it was too late so proceeded to get the rest of the money.

 

I finally completed the paperwork requesting for it to go to mediation through a phonecall to save on costs.

 

Frank from C4P rang me last week asking what I wanted and

 

I told him I wanted costs covering and would continue with court action until I got them

and he said he would sort payment out.

 

I'm actually still waiting for the next action with the courts and checked my bank account and hey presto,

there's my money paid - another £98.

 

Result! DO NOT GIVE UP ON THIS COMPANY.

 

They need closing down but unless people are willing to take action,

 

they will continue to rip people off.

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hey great news

 

thread title updated

 

dx

 

The Consumer Action Group needs help to cover itsexpenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

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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  • 1 month later...

This is very good news - well done.

 

Please could you let us have details of any addresses or names etc.

Who is Frank and who is Piers?

Once we can identify these individuals we can provide further information to Trading Standards and also to the police.

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Also there seems to be someone called Sharon.

 

Surely someone who reads these pages must have an idea who these people are and where they can be found.

 

Please help.

 

Too many hard-up people are losing their money to these people.

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Piers Crowley is someone that rang me originally and was reluctant to give me any details about himself but did eventually give me his email address.

 

Someone called Frank rang and asked how much money I wanted so I said the full amount.

 

This was when I'd already accepted it to go to mediation.

 

He said he would speak to the finance department and get it sorted straight away and he did! Surprise!

 

i had to tell him I was happy to take it to court so they still queried it until the end.

 

Glad I stuck to my guns!

 

The name on the court papers was SAVVAS KOUMOURIS - DIRECTOR

C4P Trading Ltd,

Unit 15,

Gateway Mews

N11 2UT.

 

Hope this helps.

I've already gone through Citizens Advice Bureau and reported it to the Trading Standards.

 

 

This is very good news - well done.

 

Please could you let us have details of any addresses or names etc.

Who is Frank and who is Piers?

Once we can identify these individuals we can provide further information to Trading Standards and also to the police.

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This is an interesting link especially when you look at the 'Country of Residence': http://www.companiesintheuk.co.uk/director/8391402/savvas-koumouris

 

 

Also this link is interesting look at the different appointments: http://www.dellam.com/06300042-C4P%20TRADING%20LIMITED

Edited by stu007

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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That answers a lot. He is being benevolent and funneling the cash to assist the Greek debt crisis. :|

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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