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Bazooka Boo

Cr@pital one, let the games commence...

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Ok, since the removal of my benefits I needed available funds, so C1 were kind enough to give me a CC with a two ton limit (£200).

 

This was exhausted, then reimbursed, and then exhausted once more!:madgrin:

 

I checked my control panel on Truecall, to see they had been trying to call, then today I got a letter informing me that as I had missed this months payment they were assisting me by adding a further £12 to the outstanding amount, which without checking might just have put me above the two ton limit??

 

So I rang up, and got a mix between an African/American/Scottish Liverpudlian woman doing her best to get me to make one of 'their' two choices.

 

I was surprised to hear her say that she could put me in touch with a debt management company ( I know I know, I will go back over the recording and try to decipher the wording exactly)

OR they would send out their own I&E form, for me to fill in, along with copies of proof of my expenditure etc etc, I laughed so much I nearly paid my TV licence! :rofl:

 

In the end I gave her a third and final option, that for the time being I would pay £1 a month until my financial circumstances improved.

This was met with the well rehearsed and scripted response of 'credit files' 'default' 'charges' blah blah blah.......I cut her off and simply responded that a credit file carry's absolutely no weight with me, and as for the charges I won't be paying those, all I will pay is the actual physical amount I have spent and once this has been paid off, in full, I will cease further payments.

 

Not really sure if she has ever spoken to a 'customer' who wasn't intimidated by her idle threats?

 

First payment starts tomorrow, I might just follow it up with an email also.....


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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Ha ha, update...

Rang them again yesterday as I attempted to email them, yet access to my account has now been 'restricted' which no longer enables me to send them a "secure" message?

 

A little peeved by this, after all I am attempting to inform them of my circumstances and difficulties in reaching their demands, I rang them again, and the previous call fell into place, they use a dollar a day Indian call centre to do their dirty work!

 

Spoke to a very very polite gentlemen who was clearly looking at the wrong clock and kept saying good morning to me when it was the evening?

 

However, just to appease him a little I accepted his offer of them sending me an I&E form to fill in, plus sending them copies of all my benefits and last three months bank statements in order for them to agree to my £1 a month and to stop all interest and charges being applied.

 

What I did note was that they are happy to accept token payments for a SHORT period of time WITHOUT affecting your credit file, I believe he said six months? But any payment plan in excess of 6 months would resort in them defaulting your CRF with the usual spiel of not being able to get a mortgage, moby phone, cat dog, hamster food, or fireworks yawn yawn yawn....:der:

 

Wasn't really interested so laughed a little, told him good luck with that, and I would eagerly await their I&E forms which I will gladly edit, ( not sure if I can say Bast@rdize?) and send back, with all other info they want to see and laugh at!


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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Why oh why did you take on more debt?

You are as bad as me


Any opinion I give is from personal experience .

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It is pocket money really, a mere £200, but the reason for taking on a credit card was because I have to live, with the corruption that is endemic in this self elected government and their continued democide against the poorest and weakest members of society, it was the only option bar PDL, and I'm not going to get into that little extortion racket!


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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Todays post brought me the much awaited I&E form from Cr@pital one, (will scan and post up over the weekend)

 

My my, I must say they are full of themselves! It even has a box to fill in requesting Partners Basic Income????

 

What to do? Shall I just fill it in with lots of zeroes, not at all, or just two figures in:£750 out:£749 offer of payment £1.......?

Oh and if they think they are getting three months worth of personal and confidential bank statements they are sorely misguided! Least of all any benefit forms.

 

I must admit though, they do appear to want to help, but I'm just not going to give them any private confidential info, they can either accept my offer or not, I will still pay them £1 a month, unless I win the lottery tonight.....

More installments soon...


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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Edit.

Edited by Bazooka Boo

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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BB all depends on how much you have to lose really doesn't it?

 

Some people say fill in, some say don't. Personally if I were going to offer to pay I would list all my creditors (maybe not by name creditor a, b, c etc ) and a very basic I&E using the best figures you can get away with to show the minimal money left. If you are are benefits just say that.

 

Of course it is well known I have told them all to get stuffed (sometimes I play a bit of the UE card) as I have nothing they can take


Any opinion I give is from personal experience .

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I certainly won't be filling in any of their I&E forms, except with zeroes, they have absolutely zero legal rights to any of my personal private information, so I will enclose a letter with it also stating as such, and that if they don't wish to avail themselves to my very generous offer of £1 a month, until my financial situation improves, then they can add all of the charges and black marks to my account and meaningless credit file they like.

 

The charges won't get paid, and I really couldn't give two monkey's about credit reports! They have absolutely NO bearing on my life whatsoever.

 

I have nothing at all to lose, I'm going to use them as a toy and play with them like a cat would a mouse....

Lowlifes have picked up a non enforceable O2 debt of £15...!!!! My winter nights will be filled with fun, I might even allow them through truecall security for good measure...


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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Haha have to say your posts gave me a good old chuckle, very funny... i can only dream of owing £200.. i owe them £2,400, its a good job i have a job thats all i can say, if i lost that i would be i deep s**t!!

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You wouldn't be in deep dung at all, it's not a priority debt.


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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Cr@pital One are lagging behind in the harassment table to date, with a measley 54 calls since the 23rd September, as opposed to CO-OP who have made a concerted effort in their attempts to get sued with a slightly higher 58 calls, since the 15th October!!!

 

Letters to go out this week with copies of their puerile attempts to call, and my bill of costs for all calls made should they continue to harass me via my private phone line. This will include the previous calls also.


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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BB

 

Crap1 are one of the easiest to deal with as its been slapped down so often.

 

If you complete the I & E it will agree minimal payments to be reconsidered at 6 monthly intervals until year 3. I've completed circa 200 in the past 5 years and all have resulted in an open ended agreement from month 36 on.

 

For the sake of 200 squid I'd fill the bugger in and pursue it for charges (it generally applies them to month 4) + interest at year 3 or 4 by which time it should halve the balance. Sometimes its better to save your energy for battles worth the fight.

 

Wouldn't do any harm to enclose a short missive revoking any implied agreement to telephone correspondence.... there's a useful draft on here somewhere.

 

Do you own your own home or would you qualify for a DRO?

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Hi BB it's nice to be able to play with the buggers now and then, I find truecall a god send the likes of MBNA etc all found that they could not get through. The letters soon stopped putting the frighteners on me, all my Truecall has to deal with now are PPI pest calls and double glazing sales.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Just sat down to compose the relevant letters to send them, and checked my ICP for truecall, Cr@pone have made 66 calls since 26th Oct, I even informed them on Saturday to remove my number from their database, it must have taken them all of 60 minutes for them to call me again!

 

Oh well, once I have fired this letter off reminding them of Roberts v Bank of Scotland (2013) I will allow the magic box to tally all the calls before pursuing them for damages.


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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I love my posty...he brought me a lovely little missive from FPC Debt collection services. and no the FPC isn't an abbreviation, not that I can find anyway, but they are a trading name of our good old friends Fredrickson Intl....

 

I have a S/O to pay Cr@p1 £1 a month, and have paid them the last two months, I won't be paying FPC, if cr@p1 don't want my money then I will be £1 up every month!

 

Just debating whether to ring them or not?: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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I love my posty...he brought me a lovely little missive from FPC Debt collection services. and no the FPC isn't an abbreviation, not that I can find anyway, but they are a trading name of our good old friends Fredrickson Intl....

 

I have a S/O to pay Cr@p1 £1 a month, and have paid them the last two months, I won't be paying FPC, if cr@p1 don't want my money then I will be £1 up every month!

 

Just debating whether to ring them or not?:phone:

 

And you say stay off the phone to others 😁

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I only ring them to bait them, I have Truecall, I would NOT condone others ringing up DCA's if you're not confident,


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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I am going to scan & post these missives up at some point.

 

FPC (Fredricksons) have sent me a colourful missive today.

 

"We wrote blah blah blah but we have failed to receive an adequate response blah blah blah :Cry:

 

Then something about a credit file and must do this must do that :yawn:

 

Never mind, S/O is set up and happily paying the OC direct....£1 a month... :thumb:


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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Had my first letter from this Fredrickson's today.after some months of phone calls (ignored) and letters from Cougar on behalf of Cap1. I pay a Standing order to Cap1 at £5 a month at the moment and being on JSA, I think that's fair enough considering my current situation. Best of luck if they think they can get anymore out of me currently.

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If you are in JSA. I would be telling them £1 per month. Up to you though.


Any opinion I give is from personal experience .

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Letter to fredy

 

 

Thank you for your recent communication having reassessed my finances I find that due to the government reducing my benefits I find that I have to pass on the reduction so I will now be making payment of £1 a month direct to Capital One. Thanks again.

 

 

dpick

  • Confused 1

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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letter to fredy

 

 

thank you for your recent communication having reassessed my finances i find that due to the lying not very nicegovernment reducing my benefits i find that i have to pass on the reduction so i will now be making payment of £1 a month direct to capital one. Thanks again.

 

 

Dpick

 

 

ifypfy

Auto edit doesn't like the word s c u m and bag put together


Any opinion I give is from personal experience .

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Yes Andy, drop that payment right down to £1 a month now.

Did you have an agreement with Cr@p1 or did you just start paying them a fiver 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!

 

 

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