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    • Only communicate with FM, never a DCA.   Not harassment, they can chase for amounts they believe are due under contract.   Why would they email asking if still in league ? Was there an issue before this ?
    • Heres an interesting question ... Do the Halifax send out these letters before doing due diligence and making sure there is no money owed to them, this does not apply to me, as surely sending out a letter like that and then doing due dilligence and stopping a payment after that letter must be wrong as well?    
    • Hi All, There are a few other threads on this forum regarding a 6-a-side league called Football Mundial(FM). Some have been charged for leaving the league early, late cancellation of games etc. (https://www.consumeractiongroup.co.uk/topic/387710-iconcollections-football-league-debt/?tab=comments#comment-4642466)   We had a few cancelled games, which we notified the league of in advance, where we were unable to field a team. I received an email asking if I was still in the league and 7 mins later received an invoice for leaving the league early plus cancellation charges amounting to >£400. Our team had not pulled out of the league. I was out of the country with No access to emails, and was unable to respond for a couple of weeks. I then received an email from Icon DCA requesting payment.   As we never left the league I wrote to FM and said I disputed it and that they cannot send DCA's after customers for false charges. Does this not constitute harrassment? They said that if we went back to the league, they would drop the charges, however after this treatment that is the last thing I want to do. I told them we would not be returning as a result of the treatment we have received and would not be paying.   They have now come back with some late cancellation charges and have still included the 'Leaving league' charge.   Now, the late cancellation charges are probably legit. We notified them about 12 hours in advance so they had time to notify the opponent. But after receiving a number of False charges in addition, I do not want to settle part of it and still be chased for the false part. It annoys me that they feel they can issues false charges and pressure people into paying up.   Am I being blind to my own wrong-doing here or am I in the right? Should I be concerned with this being taken to court? Should I write to the DCA?   Thanks! Gibbon  
    • I forgot to add I originally messaged them via there website which I still have access to . Was this Ok ? 
    • If I copied anybody into your complaint it would be your local Care Commissioning Group, not the GMC...
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Hope you can help,

I was served with a schedule of inhibition after l was given a time to pay order with RBS.


The debt was in my name, however l am now married. We have a joint mortgage.(which l had before my debt)


We are now looking to sell our house and buy a new one but will need to borrow another 20K, which we can afford. In fact my husband could afford it himself, without considering my income. We have lots of equity in our house.


So, l am wondering, will his credit rating be ruined because of me? Is there a high chance we wont be allowed more money, even though he could afford it by himself. Could he take out a new mortgage in just his name?


In hope,


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H welcome to CAG.

It would be best to check Experian or Equifax (use 30 day free trial) or Call Credits Noddle which is free but not always up to date.



The personal debt should not affect your husbands actual credit profile but the files may show an address link to you.

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It will show you at financially linked


Has the inhibition order now fulfilled and when?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.


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I have been told that if l didn't receive a Debt Advice and Information package then the inhibition is invalid. I have downloaded it from online and l swear l have never seen it, how can l prove this or is there no point in going down that route?


What do you mean fulfilled? Sorry for my ignorance! I have yet to pay it as l have not yet sold my house. I have also been told that when l pay back my debt, l have to apply for the inhibition to be lifted and pay interest and fees! My debt is approx. £15K. Does anyone know what my likely fees will amount to? God, it is so stressful.


Thanks for your help.

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When l was given my schedule of inhibition l wasn't actually at home and the officer put it through my door. This was in Oct 2010 in Scotland. CAB have told me that the inhibition is not valid if l didn't receive a Debt Advice and Information Pack, which l didn't.


How can l proof this?


Any help would be so grateful as l am about to put my home on the market and am so stressed about what is going to happen and the legal fees.:!:

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Can anyone please advice. In October 2010 (Scotland) l was given a schedule of inhibition, which was put through my door by an officer as l wasn't at home. There was no DAIP. I have never had one of these, CAB have told me that the inhibition is invalid if this is the case. How can l prove it to be so?

CAB have also told me that when l sell my home (which l am planning soon) and my debt is taken from me, they will also take interest and fees. my debt is approx. 15K. What might the fees add up to? Does it take long for the inhibition to be lifted and my property fee to sell?


God, it is so stressful, any help would be great.

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Hi helen_h,


I have merged your three threads on this subject, best sticking to one, please continue to post here regarding this issue.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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