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    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
    • Hi she did say she was cancelling and returned the equipment. It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up.   I know Sky haven't done that to me. She didn't see that email as she's had lots of stressful situations. No letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract.   Like you say there should be recordings. BT mobile contract is separate to broadband and the cancellation fee is for the broadband. They have blocked her mobile so she can't use it and that is a contract.   She is phoning CAB in the morning and checking through her paperwork. I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract.   Thanks for taking time to reply it is much appreciated. 
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      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.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      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.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

Overdraft debt with Aktiv Capital


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Hi,

 

I am just starting out with all of this and I am finding it a little overwhelming

but I wonder if anyone can help me with a debt that I have. I was seriously ill etc

... and was made redundant on medical grounds in 2010.

 

I defaulted on my Lloyds TSB bank account which had an overdraft on it.

 

I now owe them £2282 and I pay £5 per month on a repayment plan.

 

I really want to sort out this debt and

 

the site team said to start a new thread.

 

They have said that I should possible just stop paying AK

but I am not sure what this means.

 

Can anybody help me figure a way out of this debt hell??

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Hi gilly. Can you post up as much info on this as you can? it is rare arrow deal with good debts, but we need to know the info so we can see if it would be enforceable or not.

 

ALso, did the banks charges put you in any kind of hardship? As you could have made a hardship complaint to them and get all the charges refunded

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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No problem, I can do that.

 

Do you want to see statements?

 

I was diagnosed in 2011 with a rare illness and I have medical evidence to support it.

 

I was also on benefits from October 2010 and I am pretty sure I have the paperwork to prove this as well, but I will need to check.

 

Please tell me what you need me to give you and I will look it all out.

 

Thank you so much for your help :)

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It means that they normally only buy debts off creditors where theres something wrong with the debt that stops the original owner chasing it. Thats not to say that ALL their debts are like that, but a sizeable majority are. Thats why we always recommend checking out the debt as much as possible before you enter into negotiations to pay it or even admit it's yours.

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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**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

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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It means that they normally only buy debts off creditors where theres something wrong with the debt that stops the original owner chasing it. Thats not to say that ALL their debts are like that, but a sizeable majority are. Thats why we always recommend checking out the debt as much as possible before you enter into negotiations to pay it or even admit it's yours.

 

I think you would do well to understand the mechanics of debt sale and purchase a bit better. This whole 'there is something wrong with the debt line' isn't particularly accurate. Whilst I agree that debts should be investigated I think it's better to try and manage the expectations of what the likely outcome will be - especially in relation to overdrafts.

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I've removed the attachment as you name is showing on the first page.

 

however , the docs are of no real value sadly.

 

they just show the std OD usage interest etc

there appears to be no significant penalty fees

just a couple of £10 ones.

 

so i'm at a loss as to why they have sold it to be honest.

 

must be that they Lloyds have written it all off and reclaimed the tax.

 

due to your health issues and thus they can never see any real return.

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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Thanks, sorry I thought I had hidden all the information. Ok so nothing I can do about that one then? Just keep the £5 payment. I have been reading about the site and notice something about AP markers. Is there a chance that the longer this goes on they will put AP markers instead of DF on my CRA?

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you don't want AP

 

that's very bad they never go away

 

when does the default drop off?

 

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

 

so i'm at a loss as to why they have sold it to be honest.

 

Banks and creditors generally have a policy to sell debts on once the debt has reached a certain age. They do it en-masse regardless of whether or not there is 'anything wrong with the debt' - it's a business decision, plain and simple.

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So is there a chance that I will get AP markers if this debt goes on?

 

I personally wouldn't think that would be very fair if so. If the debt has been sold on to a DCA it should only really do so once it has defaulted; and if that is the case then they shouldn't be prolonging your misery via the AP route.

 

Hope this makes sense.

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Thanks sequenci that helps a little. I am sitting here in tears at the moment because I just don't know how to get out of all of this. My life is on hold and I am very anxious about it all. How can I ever begin to repair my credit when I am in no position to clear the debt? We need a house as we are currently in a two bed flat with two children who are differnt sex and have reached an age where it is not appropriate for them to share a room. Also the continuing debt hanging over me is just killing me. I hate it, I have 5k of debt which isn't much but I just can't move forward in my life at all.

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