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    • Hi, this is my first time posting here, I hope Im posting at the right place. This is a long story... prepare for a long read! I hired a local painter & decorator (lets call him Painter R, R stands for rogue lol) back in late July to do the work in my house. The work includes painting of the ceiling and walls in the house, and also fixing a ceiling of the extension (where the old conservatory is, the previous owner made it into an extension. It was leaking at the extension, the ceiling was therefore taken down before for two months to let it dry up, and I needed someone to put it back). I asked "Painter R" what kind of paint is he going to use, he said he is using Crown paint. I asked him is it good paint, is it durable, resist to mold, resist to acid (I meant to say corrosive, but mind my English), and he said yes. My house is not a very small house, its a 4 bedroom house. The whole job was £4650, and I accepted the quote since I wasn't able to find anyone else at that time. The work began at early August, "Painter R" sent 2 boys to come and work on my house. The work was delayed for a bit, and eventually took two weeks, but everything "seemed" fine (since I am no expert, i didnt really know what to look at, as long as the painting seems ok, ceilings put back, I was "fine" with it. I did point out some small things out and they did fix them/they said they would but sometime they didnt and I had to tell them again), so I paid the full amount with direct debit when the job was almost all done (Painter R called me up to urge me to pay, stating that he will have to pay the guys "tomorrow", since he and his guys were pretty friendly so I did it, what a BIG MISTAKE I did).   There were issues with them, including I asked them to fit some of my blinds back, but they did not put any of them back, and also thrown away the brackets, at first he was trying to make me leave it, stating he doesnt remember me asking him to put any of them back. Luckily, I stated it in the text messages that I wanted some of them back, so he sent someone back to fit some of them. And made a deal with me that he is not charging me for an extra hole that needed to be filled, and a piece of wood that they put back (but was not very well done, another trader who, I found later on, agreed with me), so that they will not come back to fit one set of blinds back (which originally, fitting back all blinds is part of the job), however, I accepted it because the conversation was getting nowhere. Two weeks after the ceiling was put back, there were cracks and bulges appeared, I called them up, they came back to fix it, cracks still exist afterwards, so I called them up again, they came back to "fix" it again. This time, the guy used a lot of fillers, making the ceiling an uneven ceiling to try and cover up a crack, but still, the crack exists, even to this day. Worth mentioning is that, the paint that he mentioned they would use is Crown paint, but the paint that the guy left behind after fixing the ceiling, is just cheap paint that you can buy from B&Q. Now, here comes the real problem. Around 30th Sep I had cleaners to clean the house for me since my carpets are being fitting on 6th Oct, it was found that the paint can be washed off, just by gently rubbing it with water using fingers, and the paint could be seen dissolves on fingers! I called "Painter R" up, and was told that he was not in the country. "Painter R" finally called me back on 5th Oct, he said he never stated what kind of paint he would be using, and he said this is what he meant about wipe-able and non wipe-able paint, (in which I dont really remember he told me anything about it, but even if my memory is messing with me, that he really did talk to me about this and even, lets say, recorded it, since I am no expert/professionals at painting, I would think "wipe-able" meaning "the paint can be wiped with a damped cloth without any problem", and "non wipe-able" meaning  "the paint will not be wiped off by a damped cloth", who would expect the paint to be washed off just by water?!?!) He said things like, he has painted a hundred houses like that, its a standard paint to be used in all new builds in England, etc. He was very rude on the phone, stating he "even used a wipe-able paint for me in the kitchen and dining room and bathrooms already", but I found that the paint at the two small rooms (one bathroom, one toilet), can also be washed off easily. So he said he will send someone to paint those two rooms with the right paint that Saturday (9th Oct), nothing more. He said there is no way he is going to repaint the whole house for me. So I said to him "my carpet is being fitted on 6th, what if any paint dripped on them?". He said "Im not going to do anything after the carpet is fitted, or you will find the slightest thing on the carpet and charge me for it." The conversation went on, eventually he said, "Im not going to do anything after the carpet is fitted, you had your chance, good bye." and he hung me up! I called him back straightly, and he said, "So what do you want?" I stated I still needed those 2 rooms fixed, so he said he will send someone to paint those two rooms with the right paint that Saturday, and he wont guarantee anything about making my floor dirty. I accepted it. Then I called up citizensadvice, and asked them what to do, then followed some of their advice. I quickly found a trusted trader from a website recommended by citizensadvice, and talked to the trusted trader (Lets call him "Trusted trader A"). He was a kind gentleman who listened to my problem, and he quickly identified that the paint they used, was very likely cheap contract matt, which is not suitable for a redecoration job like in my house. He told me to use a silky, soft cloth damped with water, to wipe the walls left to right for around 10 times and see what happens, so I did, with a car washing cloth damped with just cold water, and the paint was being washed off everywhere (apart from Kitchen, Dining room, utility room and the main bathroom)! I told "Painter R", "I am already seeing the old blue paint on the bathroom wall just after 10 seconds of gently wiping with a damped cloth", he told me to "stop wiping the wall, now you are damaging it" I told "Painter R", "you did not apply primers before using that paint on top of it". He answered: "There's no such thing as primers for walls! You do not know what you are talking about I'm afraid"   On 6th Weds, "Painter R" said he has given the paint to his painter for Saturday morning (9th Oct) and the painter will be there at 9am. I asked "Painter R" what kind of paint he is using this time, he mentioned the name of a paint which "trusted trader A" said should erase the problem. I asked "Painter R" how many coats is he applying, he said only 1, I asked why not 2? (because 2 costs is always recommended) Guess how he answered me? He said "If I get anymore messages no one is coming on Saturday". So I stopped texting him as advised by "Trusted trader A". I also sent a formal complaint letter on 7th Oct to "Painter R" through email, stating Consumer Rights Act 2015 in the letter and mentioned that he can continue to perform the fixings that he is going to do that Saturday, also stated about what other things I wanted, asking him to reply me in 14 days. He never replied, and no one ever came on Saturday 9th Oct. I texted both "Painter R" and the worker who "Painter R" said would be coming, none of them ever replied. I havent been in touch with them since. I paid "Trusted trader A" to come and have a look at the house on the following Sunday morning 10th Oct, and he wrote me a report and gave me a quote (since I needed quote from at least 3 traders.) "Trusted trader A" pointed out 3 things in the report: 1: The walls prior to painting could have been a sheen finish and may have required a primer to stop the penetration occurring now, there are plenty of primers on the market  2: Preparation could be an issue, if the walls had been abraded off using grade 120 sandpaper to key the surface down prior to application of paints and a Vinyl or Durable Matt used  3: The product used looks and feels like a contract Matt product, which would normally be used on new plaster finish and would not be recommended for a redecoration product. Trusted trader A" Also stated that the quality of the work in some areas was not very good. I also found another trusted trader from another trusted website (Lets call him "Trusted trader B") "Trusted trader B" pointed out a lot of things that were not done right by "Painter R". He said similar things as "Trusted trader A", stating that the work was done poorly, preparation was not done properly. He stated that, some people would ask for contract matt to be used because its very cheap. However, for a 4650 job, it really shouldnt be contract matt unless you specified you wanted contract matt (which I obviously didnt). And the ceilings that was put back by "Painter R", was not done right, no metal corners were used, and hence why the corners dont look straight. I also found that all the ceilings in the house is painted with contract matt, and can be wiped off easily using a damped soft cloth. Im getting 2 quotes for the paintings of walls and ceilings from the two trusted trader. (as I was told to get quotes from 3 traders.) but for now, I am only able to get 1 quote for the fixing of the ceiling from "Trusted trader B". Following the advice from citizensadvice, I should be writing a letter with more serious manner 14 days after I sent the first. With the average of 3 quotes attached which I am still yet to be able to find. If the trader still do not reply me 10 days after that, Ill have to go for the small claim court.     After the long read... I would like to know, what else should I do next? Is it likely for me to win the small claim case? I really need some help and advises here.
    • Hi Guys, I have made the changes.  Thank you so much for your feedback so far it has really helped.    To whom it may concern.    Thank you for your letter of claim. I can now officially respond and highlight your clients very shady, immoral and borderline unlawful operations.    It has become very apparent that the whole process is set up to pressure me and other motorists into paying trumped-up “invoices” without a second thought. This is definitely not going to happen in this case!     If you had taken the time to do your due diligence, you would have realised that the whole case is fundamentally flawed and an absolute joke from beginning to end.     Your client’s shady operations have been widely publicised in the area and laid out in black and white in the Stoke Sental for all to see, plus a few pictures thrown in for good measure which are safely in my possession.  Does the name Nick Cartlidge ring a bell?   The local MP is now heavily involved, publishing an open letter and taking this matter to the highest level. The whole situation is just a big mess for G24 and continuing this way is just making it worse.    Your client can either drop this laughable case immediately, or I will use the mountain of evidence I have against you and proceed to take the matter further.     Yours sincerely
    • "DPDGroup UK Ltd" has finally replied and defended the case as expected.   I have till 21st November to reply.   The defence seems similar to others where they are claiming to have no liability as I have not contract with them directly but as I have learnt from the forums here that the Contracts (Rights of Third Parties) Act 1999 gives me the right to claim directly against a company because I enjoy all the benefits as a 3rd party as I'm the beneficiary from that contract.   Just looking at the next steps on gov website it's asking me to choose the closest court to me which is "Clerkenwell and Shoreditch County Court and Family Court" but having a look at reviews on Google dosent seem like a very good court with bad service etc I dont think that dosent really matters, but just trying to make sure everything's proper before proceeding      
    • post their up to one mass pdf pleASE   dx
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Have you received a letter or card asking you to make contact - or that there is a parcel for you?


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Hi

 

I received one of these cards - it had a title of Fed EX. Also got a call from at work leaving me a message stating it was Fed Ex and a parcel needing collecting. Ring them on ........... When I called them it was a company called Frederickson (I think) who have taken over my Capital One account debt.

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Hi

 

This happened to me recently at work. I owed some money on an old Capital One account and it had been moved to debt company called Frederick LTD. They some how got my work telephone - I work as a civil servant and I am not allowed personal calls at work as I work in a customer focused area - they left a message for me stating that a 'parcel was waiting to picked up - from Fed X ' when i contacted them it was an obvious [problem] and it was the debt company. I have also received a letter / card at the home the same day when I returned later that day.

 

Thanks for this. This seems clearly to be several breach of the new CONC rules.

 

Any chance we could have a look at the letter please?

 

It also seems to me that there is a Trademark issue here and if you can give me copies, I'll contact their IP department as well - I'm sure that they will be less than happy.

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Could it be these - http://www.freds.com/

 

I see that the behaviour you have described also breaches the CSA code of practice in several respects

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You could send a copy to our admin email address

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Thanks for this. This seems clearly to be several breach of the new CONC rules.

 

Any chance we could have a look at the letter please?

 

It also seems to me that there is a Trademark issue here and if you can give me copies, I'll contact their IP department as well - I'm sure that they will be less than happy.

 

 

 

Hi

 

It WAS the link you just said. I am still getting numerous calls every day from them even though I am paying them through a DMP.

 

I will have a look at see if I have kept it. I have now gone on to use a Debt Management Plan so I may have sent to StepChange. I will let you know ASAP.

 

Thanks

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I suggest that you start logging all the calls which are being made.

 

Also start looking at the CONC rules whcih should be preventing all of this - but, no surprises, they aren't

 

especially -

http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?426134-CONC-7.3-Treatment-of-customers-in-default-or-arrears-%28including-repossessions%29-lenders-owners-and-debt-collectors

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I've just emailed the CSA with a link to this thread. Let's see if they take any interest.

I think that it is very topical. Wonga behaving themselves dishonestly by misleading their customers. Now Fredrikson seems to be doing the same kind of thing - although to a much lower degree than Wonga. One wonders how much control the CSA actually has or how much scrutiny they actually exercise over their members.

 

Also, don't forget that Cap one don't absolve themselves from liability for these breaches. Under CONC, they are liable for 3rd party misbehaviour

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Hi

 

I am so sorry but I have checked through all my information including DMP and I cannot find it. I was having a really bad time with debt and had a slight breakdown due to the stress so my heart to fight this was rather lacking.

 

So angry with myself now as I feel in a much better place and I AM going to fight back against these companies nasty tactics, charges and utter unfairness :)

 

Thanks

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What a laugh. The CSA clearly don't want to be reached. I just got this rebound message.

 

Delivery has failed to these recipients or groups:

[email protected]

The email address you specified couldn't be found or is invalid. It may be due to a bad entry in your Outlook or Outlook Web App recipient AutoComplete cache. Use the steps below to clear the entry from the cache:

 

  1. Click New mail.
  2. In the To field start typing the recipient's name or email address until the recipient appears in the drop-down list.
  3. Use the DOWN ARROW and UP ARROW keys to select the recipient, and then press the DELETE key.

Then resend your message – delete and retype the recipient’s name or e-mail address before sending it.

For more tips to resolve this issue see DSN code 5.1.1 in Exchange Online.

 

Looks as if they are happy that their members bombard ordinary people with misleading junk email - but when it comes to them, then they don't like it up 'em.

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Recieved a letter today, addressed to "The Occupier".

 

When opened it had my full name and "We need to contact the above named person regarding an important personal matter and we have been provided with your address, if you are the person named please contact us... if you are not please contact us to allow us to update our records..."

 

I wasnt aware I had any debts remaining so I wasn't worried about calling the number. It turned out to be a debt that I 'assumed' had been written off from 7 years ago, that debt was made up of (at the time) unlawful charges and after responding several times that I disputed the amount and suggested the remaining balance was written off to avoid the need for me to take them to court I heard no more. I guess I forgot about the alleged debt over time opposed to assuming it had really been written off!

My response on the phone was I would formally write to them again detailing why I dispute the amount owed.

 

Anyway, back to the topic... do you think the letter I received is in breach of the regs mentioned? If so what should I do? Perhaps include this in my response as to why I dispute the alleged debt and also ensure the original debtor is copied the same letter (to show the 3rd party is not following regs)?

24 hours in a day... 24 in a case... co-incidence???

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Recieved a letter today, addressed to "The Occupier".

 

When opened it had my full name and "We need to contact the above named person regarding an important personal matter and we have been provided with your address, if you are the person named please contact us... if you are not please contact us to allow us to update our records..."

 

I wasnt aware I had any debts remaining so I wasn't worried about calling the number. It turned out to be a debt that I 'assumed' had been written off from 7 years ago, that debt was made up of (at the time) unlawful charges and after responding several times that I disputed the amount and suggested the remaining balance was written off to avoid the need for me to take them to court I heard no more. I guess I forgot about the alleged debt over time opposed to assuming it had really been written off!

My response on the phone was I would formally write to them again detailing why I dispute the amount owed.

 

Anyway, back to the topic... do you think the letter I received is in breach of the regs mentioned? If so what should I do? Perhaps include this in my response as to why I dispute the alleged debt and also ensure the original debtor is copied the same letter (to show the 3rd party is not following regs)?

Yes it probably is.

 

Please would you tell us who it comes from and maybe post a copy up on this thread.

thanks

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Hi All,

 

Today, a card was hand delivered to me at an address I lived at briefly. It is a white card, post card size.

 

There isn't any letterhead or any indication why they are contacting me.

 

It is blank on one side and the other is marked URGENT at the top and 'thank you' at the bottom.

 

The format is:

URGENT

For the attention of _____

Please contact:_____

On: 0844xxxxxxxxx

Date: Time:

Delivered to (address with incorrect post code)

Thank you

 

I’ve looked up the phone number which leads to a cheesy looking website for some kind of detective agency which specialises in, among other things, ‘surveillance’. Sorry, but am unable to scan and upload the card. From what I’ve described, does this contravene the new regulations?

 

The current resident at this same address also received a letter a few months ago with just the address in the window, no addressee name – until the letter is opened, revealing my name way above the address (presumably to make it look like it was addressed to me should anyone have to scrutinise it?) and as the subject of the letter. It is from lovely Cabot, claiming it is a ‘personal matter’ and asking for my contact details. Again, how does this sit with the new regulations

 

Thanks very much in advance for any help!

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Please would you post up a scan of the card. What is the number they are asking you to contact them on please. I don't think that there is any need not to put the number up on the thread.

Thanks

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I have received a Letter from PRA who after a bit of Research I understand are closely linked to our old friends Mackenzie Hall...

 

The letter started:

 

"We are trying to contact a Mr Nurclear Shark regarding a Personal Matter and we have been supplied this address as a possible location for this person"

 

It did not list any details other than a Reference Number and Client Reference Number.

 

However I decided to phone them up whilst recording the call... (Which you really shouldn't do I know...)

 

I gave them an Incorrect Post Code and Incorrect Date of Birth... They continued with the call :madgrin:

 

So they confirmed 2 of my previous addresses, An account balance for their client (which turned out to be QuickQuid) and specific payment dates. Not wishing to continue any further I closed the call stating I did not remember any of this to the best of my knowledge. (A lie; It's a debt that has long since had an "Account in Dispute Letter" and I will be referring this to them accordingly)

 

Anyhow I will make the relevant complaints about breaches of the Data Protection Act. But I am not 100% sure who I complain too first and in what order post the disbanding of the Office of Fair Trading. I personally think the ICO would be a good start, But I can't remember how I complained the last time around.

 

I'll upload the letter when I have a spare 20 minutes.

 

NS

This is how I spend most of my life :ranger:

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Thanks for this. The letter is in clear breach of the FCA conc rules on contact with alleged debtors - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers-including-visits - not that they care and not that the FCA seems to care either.

What is the point of an excellent set of rules if they don't monitor and take action.

I suggest that you write to the FCA and send them a copy of the letter and point out the rule breach.

Well don on getting the recording.

Yes, also a clear breach of DPA as well. Complain to the ICO - although they can scarcely be bothered to lift a finger about it either.

It would be interesting to start complaining to the FOS as well - just to cause extra aggravation.

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No trouble, I'll whack up a copy of the letter tonight. I have drafted the following letter to initially send to PRA UK Ltd. I have threatened to take the matter to the ICO, FCA etc in the letter. But as you suggest I will go straight to the ICO, FCA and FoS anyway.

 

Dear Sirs

Formal Complaint – Breach of Data Protection Act 1998

Account in Serious Dispute

PRA Reference Number:

I write to you today regarding the above account and an Information Rights concern I deem to be very serious.

 

I am gravely concerned that you have not handled my personal information properly and have not shown appropriate due diligence with my personal data. You have also shown a serious incompetence on security checks when speaking with your customers.

 

On the xx.xx.xxxx I contacted you by Telephone and I was asked to confirm security details. As your letter addressed to me on the xx.xx.xxxx did not reference any matter directly; and your letter made it clear you were uncertain as to my true Identity. I was not willing to hand over any personal information in case this was an attempt to gain personal data from me for fraudulent purposes. Therefore I provided INCORRECT security details when asked to for this information. The incorrect information I supplied was a Postcode AND Date of Birth.

 

This tells me you either: A) Did not have this information to begin with.

OR

B) Your agent showed a callous disregard for my data privacy and decided the Data Protection Act does not apply! I have a recording of this phone call and I have supplied a written transcript for your perusal. If you require a copy in MP3/WAV Format, Please advise me and I will provide this.

 

Your Agent in this call showed no respect for the privacy of the account holder and continued to confirm the matter the letter was regarding, account balances, previous addresses, payment dates and also tried to phish for further contact details which I refused to provide. Considering your organisation continued the call after failing BASIC security checks, there was NO WAY that I was providing you any further personal information and I terminated the call.

 

As this matter is clearly regarding Debt Collection Activity for an account for which it is very clear you are unsure who the debtor is, Financial Conduct Authority guidelines make it EXTREMELY CLEAR that all debt collection activity on an account must cease immediately if the creditor and/or their agents are unsure as to whom the debtor is. Considering the wording in your letter and your failure to conform to the Data Protection Act, It is abundantly clear you are uncertain to whom the debtor is you seek for the alleged debt. As such, you must and will cease any recovery action on this account immediately when informed of this. I am informing you this debt is NOT acknowledged and is disputed in it’s entirety. Having had a look in my archives, this debt has been disputed since November 2012 when an Account in Dispute notice was sent to your clients to inform them of this. Considering your recent and quite frankly shocking involvement in this affair. This debt is now in serious dispute and I will be referring this matter to the Financial Conduct Authority for this reason alone.

 

I understand that before reporting my concern to the Information Commissioner’s Office (ICO), Financial Conduct Authority and/or Financial Ombudsman Service that I should give you the chance to resolve without the need to escalate further.

 

If, when I receive your response, I would still like to report my concern to the above, but not limited to regulatory bodies, I will give them a copy of your response to consider.

You can find guidance on your obligations under information rights legislation on the ICO’s website (http://www.ico.org.uk) as well as information on their regulatory powers and the action they can take.

 

Please send a full response within 28 working days. If you cannot respond within that timescale, please tell me when you will be able to respond.

 

If there is anything you would like to discuss, please write to me at the above address and I will respond within a reasonable time frame.

 

**Gotcha

 

Yours sincerely

 

NuclearShark

 

** Will remove from the letter when I send!

 

Note to site team - Please split this into a separate thread if needed so as not to distract from the original topic. Thanks :D

This is how I spend most of my life :ranger:

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Hi All,

 

Today, a card was hand delivered to me at an address I lived at briefly. It is a white card, post card size.

 

There isn't any letterhead or any indication why they are contacting me.

 

It is blank on one side and the other is marked URGENT at the top and 'thank you' at the bottom.

 

The format is:

URGENT

For the attention of _____

Please contact:_____

On: 0844xxxxxxxxx

Date: Time:

Delivered to (address with incorrect post code)

Thank you

 

I’ve looked up the phone number which leads to a cheesy looking website for some kind of detective agency which specialises in, among other things, ‘surveillance’. Sorry, but am unable to scan and upload the card. From what I’ve described, does this contravene the new regulations?

 

The current resident at this same address also received a letter a few months ago with just the address in the window, no addressee name – until the letter is opened, revealing my name way above the address (presumably to make it look like it was addressed to me should anyone have to scrutinise it?) and as the subject of the letter. It is from lovely Cabot, claiming it is a ‘personal matter’ and asking for my contact details. Again, how does this sit with the new regulations

 

Thanks very much in advance for any help!

 

 

Hiya, am wondering if the 'anonymous' Urgent post card and the deliberately misleadingly addressed letter are actually unlawful. Or are they in breach of certain regulations? If the latter, which regulations might they be in breach of - it would be good to know as I am about to be forced to engage with these monsters and I'd like to have the facts straight……

 

Thanks in advance!

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In this case, there is no difference between being unlawful and being in breach of certain regulations. The FCA conc rules create statutory duties To do certain things – or not to do certain things. To beat those rules is to act unlawfully.

 

Breaches of the FCA rules could be very serious because it is even possible that the companies which do this or the companies which asked other companies to do this could risk their licences or suffer very large fines.

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Hi All,

 

Today, a card was hand delivered to me at an address I lived at briefly. It is a white card, post card size.

 

There isn't any letterhead or any indication why they are contacting me.

 

It is blank on one side and the other is marked URGENT at the top and 'thank you' at the bottom.

 

The format is:

URGENT

For the attention of _____

Please contact:_____

On: 0844xxxxxxxxx

Date: Time:

Delivered to (address with incorrect post code)

Thank you

 

I’ve looked up the phone number which leads to a cheesy looking website for some kind of detective agency which specialises in, among other things, ‘surveillance’. Sorry, but am unable to scan and upload the card. From what I’ve described, does this contravene the new regulations?

 

The current resident at this same address also received a letter a few months ago with just the address in the window, no addressee name – until the letter is opened, revealing my name way above the address (presumably to make it look like it was addressed to me should anyone have to scrutinise it?) and as the subject of the letter. It is from lovely Cabot, claiming it is a ‘personal matter’ and asking for my contact details. Again, how does this sit with the new regulations

 

Thanks very much in advance for any help!

 

I don’t know, this topic might be for another forum or another thread? This all relates to the anonymous post card and the sneakily addressed letter from a creditor (who made sure only the address was showing in the window and not my name).

 

A letter from a 3rd party was sent to my previous address, enclosing a court order to appear in court to be quizzed under oath about my financial circumstances. The order is stamped ‘copy’. The order has never been sent directly to me. The letter detailed a date and time that the signatory would be ‘attending’ the address to serve the order personally. We sat by the door for an hour before and an hour after the appointed time and this person never showed up. Is this common behaviour for a process server? Or is there some kind of hidden agenda here (like claiming I was uncooperative)?

 

Can I just call the court and ask for the order and collect it?

 

The letter says if I fail to attend the above appointment, or any others, application will be made for substituted service ‘in such manner as the court may direct’. What does that mean?

 

The order says I must obey it or be sent to prison for contempt. Why doesn’t the court just send it to me?

 

Seems like they’re making a big deal out of something that should be simple.

 

And should I be preparing to challenge them on their methods (anonymous card, misleadingly addressed letter)?

 

Huge thanks in advance for any help.....

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there will be a case number on the document, just phone the courts service (northampton bulk centre are nice people to talk to) and ask them about this and you will then know if it is genuine and if so when and where it was issued. If it is not genuine then I would be reporting the matter to your nearest court and expalin to them who has done this and ask that the matter is properly reported as a criminal offence.

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Thanks so much for your reply! I believe it is the real deal, just don't know why it needs to be 'served'. I will call the court on Monday and see if they will post it to me directly. thanks again.

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Substituted service means that they will find another way to get the document to you - through an employer or your bank etc. You have to get approval form a judge to make a substituted service and it is pretty rare excpet with very big-value disputes.

Yes, call the court and check it out

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  • 4 weeks later...

Hmmmm how about this one then? (PDF Attachment)

 

Inter Credit International.

 

  1. It's not addressed to me personally... My flatmate opened it
  2. Signed G. Walsh, yet printed Miss Mandy Cole
  3. It states contact them immediately... I was handed this letter at 02:45AM. So when I phoned them, they did not pick up anyway
  4. It's certainly rather 'threatening' - Failure to comply...

  5. Sent an email to them already..
  6. . Waiting for a Final Response...
  7. Already have my emails drafted to ICO and FCA.
  8. I am not sure the FoS is appropriate.

  9. It's a water bill 18 months old.
  10. was told my previous flat sharer had paid it
  11. they lied
     
    Also a breach of "FCA: CONC 7.9 Contact with customers"

This is how I spend most of my life :ranger:

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