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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Rossendales DCA Threat Letter on Legal aid 'debt'- SCOTLAND

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I received a letter today from Rossendales regarding a £500 debt I owe the legal aid agency.

 

Considering my case was only last week they've been fast off the mark.

 

The case concerned an appeal in Manchester which I was unsuccessful.

 

I live in Scotland.

 

I have two questions:

 

Does the LLA or Rossendales have any authority in imposing this charge as I live in Scotland and we do not have bailiffs?

 

 

If forced to pay what is the minimum I can pay per month?

 

 

I have no intention of sending details of my personal finances to Rossendales.

I have no contacted anyone yet but I am aware not to contact anyone by phone.

 

Thanks in advance for any advice.

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Are they acting in their capacity as "Bailiff" or "Debt Collection Agency" ?

 

I will amend your title to reflect that you live in Scotland and find someone on the site team to help :)


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I assume they are just acting as a DCA. I'll attach the letter if you tell me how I attach a PDF?

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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/

http://www.convert-jpg-to-pdf.net/

..

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 BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

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


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I received a letter today from Rossendales regarding a £500 debt I owe the legal aid agency. Considering my case was only last week they've been fast off the mark.

 

The case concerned an appeal in Manchester which I was unsuccessful. I live in Scotland.

 

I have two questions:

 

 

  1. Does the LLA or Rossendales have any authority in imposing this charge as I live in Scotland and we do not have bailiffs? - no
  2. If forced to pay what is the minimum I can pay per month?
    I have no intention of sending details of my personal finances to Rossendales. - that's for the procurator fiscal to decide

I have no contacted anyone yet but I am aware not to contact anyone by phone.

 

Thanks in advance for any advice.

 

NEVER EVER pay a DCA a gov't debt

 

in this instance the rossers are act purely as DEBT COLLECTORS

 

and have NO LEGAL POWERS whatsoever.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?421236-Rossendales-DCA-chasing-old-legal-aid-debt&highlight=rossendales


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Is your letter from Rossendales Collect?


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I hope I've attached this correctly? Sorry for the delay in replying but I've been ill.

 

There seems to be some confusion regarding this bill. I had £500 costs to pay and a further £350 costs as my appeal failed.

 

I contacted the LAA directly informing them I had no intention of dealing with Rossendales and I would only deal with the LAA.

 

The LAA debt department in London replied with the following email

 

"Further to your E-Mail dated **/**/14

 

I write to confirm that we are only dealing one of your cases in Debt Recovery Unit

and that is the certificate of ********** this is the account we have sent the Personal Budget Form to you.

 

With regards to Rossendales

I would suggest that you make contact with them direct as one of your other certificate’s

could have been sent to them which we are not dealing with."

 

This seems bizarre to me as they suggest they have contacted Rossendales for one part of the debt but not the other!!!

 

I suspect Rossendales are dealing with the first case and the LAA the appeal.

However to add further confusion Rossendales state in their letter (attached) the debt in the appeal court was £500 but it was only for £350!

 

Should I ask the LAA in London for a full breakdown of all debt and inform them I will only deal with them?

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yes deal with the LAA only

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Sorry to resurrect an old thread but I haven't heard any more from Rossendales until

 

yesterday when they called my mobile and I didn't answer.

They didn't leave any voice mail but I Googled their number.

 

They called me last year and I told them I would only deal with the LAA and put the phone down.

The LAA said they wouldn't deal with me and to speak with Rossendales.

So I was left running around in circles.

 

I'm surprised I haven't received any further letters from them,

it's only phone calls but I won't talk to them on the phone as I want everything recorded.

 

Am I taking the appropriate course of action by not taking their calls?

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correct

 

told you it was a load of old fleecing


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Thanks,

 

I'm guessing my name has come back around again for my annual phone call?

 

What's the likely outcome do you reckon?

 

Will they eventually just give up and go away?

 

I'm in Scotland so I think I'm right in saying they can't do much as we don't have bailiffs up here.

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already answered

go read your thread again


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Reclaim mis-sold PPI Read Here

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Nope can't see any answer.

 

What I asked is if the LAA won't talk to me

and I won't talk to Rossendales what's the likely outcome?

I can't see an answer in the thread.

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nothing

 

its a bogus debt in the first place..

 

you'd think the LAA

could simply click fingers and have your wages..

...funny they've not done that............

 

urm.........

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Maybe I'm reading this wrong but you're coming across as quite smarmy and I'm just asking a simple question.

 

You may know the answer but I only asked for clarification on this. You said 'bogus debt' but offer no explanation as to why it's a 'bogus debt'.

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not toward you but the fleecing dca.

 

they can do nothing bar keep attempting to spoof you.

 

next will be a letter from one of their sister companies

well simply them in a diff name but same group

in an attempt to make you think its escalating.

 

the bottom line is you never ever pay/communicate nor talk

to a no powers DCA on a govt debt..end of no if's...

 

if the LAA had any legal claim themselves

they wouldn't pussy futt around with a dca

they'd arrest your wages or WHY

 

safe to say sit on your hands.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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not toward you but the fleecing dca.

 

they can do nothing bar keep attempting to spoof you.

 

next will be a letter from one of their sister companies

well simply them in a diff name but same group

in an attempt to make you think its escalating.

 

the bottom line is you never ever pay/communicate nor talk

to a no powers DCA on a govt debt..end of no if's...

 

if the LAA had any legal claim themselves

they wouldn't pussy futt around with a dca

they'd arrest your wages or WHY

 

safe to say sit on your hands.

 

dx

 

Thank you.

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Coincidentally they called me this morning.

 

I have their number on my reject list but they left a message asking to call Rossendales Collect.

Clearly this won't be happening.

 

Now that I've had time to get my thoughts together it's clear what you say must be the case.

 

If they had any power what so ever they'd be hauling me to court.

 

I've offered to pay the LLA direct which they say I cannot do as I'd have to speak to Rossendales which I won't do.

 

So I'll ignore them.

 

Am I correct in saying after 5 years in Scotland the debt is time barred?

 

How do I create paragraphs?

 

Once I send a post the paragraphs disappear.

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How do I create paragraphs? Once I send a post the paragraphs disappear.

 

It may be to do with the settings on your computer or browser.

 

In regard to the issues you have. As dx has said, if the legal aid people wanted to do something, they would have obtained relevant court authority in Scotland and you would be paying it back by now.

 

I am not sure whether legal aid debts are subject to limitations acts. I would be surprised if parliament in their legislation allowed limitation laws to apply to legal aid debts.

 

You don't have to deal with Rossendales, as they are acting as debt collectorsonly. It is up to the legal aid people to take this forward, but given that they have refused payment, it won't help them.

 

Suggest you ignore Rossendales and they will go away.


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I think theres nowt to stop you specifically writing to LAA

 

state clearly that you are willing to pay them directly

if you've done that already

 

end of the matter


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I contacted the LLA in 2014 as I was confused about two separate debts.

 

One was being dealt with Rossendales and the other from the LLA.

 

I've never had any dealings with the courts before so I was confused

but it transpired the LLA debt was a mistake

and was meant for someone else!!!!

How incompetent can they be?

 

I asked the LLA to retrieve the file back from Rossendales as I wouldn't deal with them

and haven't heard back from the LLA only Rossendales whom I'm ignoring.

 

Maybe one day the LLA will retrieve the file back from Rossendales but I certainly won't contact them again.

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I told the LLA I wouldn't deal with Rossendales only them but clearly they have ignored this.

 

 

Every six weeks or so Rossendales bombard me with phone calls which are automatically rejected and go straight to voice mail.

They stop after a few days or so only to start again six weeks later.

 

What surprises me is they have never sent a letter to me since the first one a couple of years back.

Their only point of contact is through my mobile which is ignored.

Anyone with a bit of sense would realise I'm not going to answer my mobile so would send a letter.

 

I'm not complaining but I just think it's strange.

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Told ya

Spoof in the first place

They want to make threats they would never put on paper

To see if you are mug enough to fall for it

 

Ignore

 

Dz


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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