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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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MKDP Credit Report Entry


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yea there you go then...

 

its welcome staff.

 

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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I have spoken with welcome(FSCS) this morning and

 

they too cannot see where the £370 was credited back on loan 2

 

so they are logging it on there system as a complaint,

 

i will receive a letter confirming that shortly,

 

MKDP still own the loan and

 

what has happened is they have sent a letter to MDKP offsetting the amount they come up with as PPI calculation,

 

however it will no have to be done again as its wrong and should have included the £370 in the calculation.

 

As for the unfair charges, even though I have a signed for on royal mail it is not in the system and they are saying they have lost it.

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you need to question the FSCS authority to offset

to a debt buyer

 

the FOS website specifically details offsetting

nowhere does it say a reclaim can be paid to a debt buyer.

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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I have sent a message to the real FSCS not the Welcome Employed FSCS regarding this, I will let you know. Its all dodgy.

 

What do I do about the Unfair charges I sent off and they saying they haven't got it even though I have a signed for proof?

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good work

 

that's welcome for you/

 

you could resend it I suppose but as its already signed for that incredible!!

 

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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Yeah, I have a log of everything not one detail missing.

 

I still don't trust them logging it on the system, I will be writing a formal letter to them signed for too.

 

It gets me how the FSCS can trust them to handle there own complaints, sounds like a right stitch up to me.

 

Is there any course of action for reclaiming Personal Accident Care and Life Care 24? This was added same as PPI?

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ah you should have lumped that in too

 

its all the same

 

even GAP/mechanical breakdowm/MIF/shortfall

 

whatever extras welcome added were simply insurance direct to their pocket

 

and they went bust

 

well, the directors ran off with everything.

 

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

i'd rehash the old claim

 

it should all be as one lump sum?

 

 

without gong back

 

is it listed on the statements payments sep from PPI

I expect its lumped I already?

 

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

Yeah the original PPI was calculated at £585.21 with Lifecare 24 and Personal Accident Plan it totals £955.21 without interest.

 

I have mentioned it in my dispute calculations letter as well as the the missing £376 and also the fact about the offsetting when the loan has been so called sold.

 

Posting in the morning.

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from pat thread shere

 

when the FSCS get involved

 

ALL the insurance are normally or should be refunded

 

their remit is to put you back in the financial position 'as if'

any of the extras were never taken

then they calculate 90% of that figure

 

me thinks the FSCS are not keeping the thumb on welcome staff.

 

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

Yeah I agree, thats certainly the impression I get I think they are just trying it on.

 

The whole setup of the FSCS and Welcome just seems wrong to me and not impartial.

 

Thats why I wrote the real FSCS an email this afternoon. I might actually give them a call too.

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  • 2 weeks later...

Hi,

 

Just an update on where we are with this.

 

I have received the CCA back from MKDP and looks correct but only for the refinanced loan which I guess is correct.

 

Now for the Welcome Side and the FSCS.

 

After contacting the 'Real' FSCS I am now in contact with someone directly who is looking into all this for me and have 3 seperate complaints he is 'overseeing'

 

1. Shortfall on the PPI calculation.

2. Offset issue as the loan was sold to MKDP.

3. The other 2 non-PPI insurance policies.(Lifecare 24 and Personal Accident Plan)

 

He has also re-assured me Welcome have now received the 'unfair' charges complaint.

 

So I now have another 4 complaints on the go :-o

 

Just wondering what MKDP's next move might be???

 

Will keep everyone updated.

 

Thanks

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Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

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oh tying themselves up in knots here

 

the FSCS wont keep participating in this charade for long

and decide in your favour me thinks.

 

 

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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Not according to the FSCS unfortunately

 

As I confirmed to you yesterday, if you believe the figures are incorrect you will need to pursue the issue with Welcome. We are entitled to rely on the figures they have given us. I am sorry that FSCS will not be able to pursue this matter on your behalf. I will also make Welcome aware of your issue.
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Yet another update.

 

I have had a response regarding the shortfall from the FSCS and the offset issue.

 

They are saying that welcome claim they evidence that it was applied to the account so no adjustment will be made as they can only go on what figures welcome give them.

 

However they said that welcome have to provide evidence that this has was done. So I phoned Welcome and they are saying that they no longer have the evidence so I have another complaint going regarding this.

 

As for the offset issue the loan was transferred for collection to 'mkdp' by way of 'interest' whatever that means? The debt is still owned by welcome.

 

What a complete and utter mess.

 

 

Sounds like a " profit sharing deal" you spoof the poor bugger into paying and we'll share the proceeds.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 weeks later...

while my complaints are being investigated by Welcome and FSCS

 

 

I am receiving letters from MKDP regarding getting into contact with them to sort a payment out!

 

How do I proceed with them at this stage?

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send them a copy of one of the FSCS letters

that basically states your 'debt' is being investigated

and as such remains in dispute.

regarding the outstanding bal

 

 

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... 

Link to post
Share on other sites

so MKDP have never replied to the CCA request?

 

 

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... 

Link to post
Share on other sites

sri for not looking back

am out at present.

 

 

so the only thing you've sent to MKDP is a CCA request

 

 

and basically since MKDP came on the scene some years previous

all they ever sent you is a series of threat-o-grams

 

 

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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