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    • Thank you for the reply - I'm half expecting them to either drop the whole thing or to spring the "We had to tell the court that you don't want to pay so we're going to restart proceedings" idea given the language in the consent order that I signed with them. Going to read up and prepare to defend in case they fancy playing that game. It'd be nice if they would actually play by the rules for once...
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    • Hi everyone,    They started sending threats:   Wednesday:    We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.    Thursday :    It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    Friday 8:23am :   The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.    Friday 6:28pm:   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.        
    • Hi Guys, I would appreciate any advice you can give.   In mid September this year we went to a Caravan company to look at potential caravan purchases, we found one caravan that we liked it was a 2018 model,   however when talking to the salesman we expressed concern that the settee and the bed mattress seemed to be of very poor quality and lacked any real support. The settee and mattress also seemed older than the year of manufacture would suggest. The salesman assured us that the fittings were manufacture fitted and that was, 'Just how they are'. He agreed to look into the matter for us.   As a result we paid a £1,000 deposit on our debit card, the salesman asked us to sign a contract for sale regarding the caravan informing us it was 'a receipt for the money we paid'.   We were due to collect the caravan this week, however, during the period from signing the contract we felt that we were being mislead about the furnishings previously mentioned so we carried out some research.   I sent the photographs to the manufacturer and asked them if they were the original fittings supplied by them, they responded that the settee and mattresses shown in the photographs (Taken from the online sales pictures from the sellers website) were never fitted to that caravan and had never been supplied by the manufacturer. I also downloaded the brochure from the manufacturer that showed the settee and bed mattresses that were fitted to the year and model of the caravan we had paid a deposit on, were nothing like the ones currently fitted.   somebody has taken out the superior Settee and bed mattresses and replaced them with cheaper inferior quality ones which seriously devalued the caravan, notwithstanding reducing the comfort and quality of the caravan. He insisted that the photographs (taken from their website) were the correct fittings for that caravan.   On Sunday 20th October, I sent the caravan sales company a letter stating that we were rejecting the caravan and that we had been mislead as to the quality and provenance of the fittings, that we no longer had any trust in the sales company and under the Consumer Rights Act requesting the return of our deposit.   We received a response the next day that stated, they accept the cancelling of the contract however, they are retaining our deposit against the purchase of another caravan from them.   I think it is a given, that we would never darken their doorstep again let alone purchase anything from them. I would add that all our concerns and the company's responses have been via email, so we have an audit trail of what has gone on.   I have considered chargeback, as we paid on a Visa debit card (I know should have used a credit card) and I am aware that we have 120 days to try and implement this.   I'm looking for advice as to what to write to the company to start with, i.e. Letter of complaint (They have no complaints policy or procedure in their T&C, they are also not signed up to the Dispute Resolution Ombudsman Scheme) or a, Letter before Claim, or do I involve Trading Standards.   Any advice from the wise members of this group would be greatly appreciated.   
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
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DCA Visit from Resolvecall Today, What Should I Do Next?

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Hi All,


I was in the shower this morning when I missed a visit from a DCA called "Resolvecall". They had written to me a few weeks ago threatening a doorstep visit but I didn't think they actually would. You can imagine my surprise when I saw a brown envelope on the doormat this morning with my name handwritten on it. Postcard inside they "called today for the 1st time regarding your account" with a ref number and number to call (an 0844 one :!:).


I'm currently living with my parents (due to job loss) so obviously this is causing me more stress and worry as I don't want them having to deal with these people. I'm not denying that I owe the debt (it was originally a Northern Rock loan taken out 7 years ago) but like I said I don't want to deal with these people in person or keep having them turn up on my parent's doorstep when the debt is nothing to do with them.


I'd be grateful of any advice you could give me. Thankyou.

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Don't be worried by this. Most of these doorstep agents are self employed and they are given a list of people in their area, from whom they can earn a commission, if they gain a payment agreement. They probably won't come back again, if you ignore them. As for your parents, just tell them some company is trying to sell you a loan that you don't want, so if someone comes to the door asking for you, to tell them that you are not there.


Your debt has nothing to do with your parents and will not affect them in anyway.


If you want advice about how to deal with this particular debt situation, you will need to post more details. What type of credit arrangement ( personal/business) ? Was it in your sole name ? When roughly (month/year) did you take this out ? When did you last make any payment or admit in writing to owing the debt ? Any other debts that you owe ?

We could do with some help from you.



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They arent actually permitted to simply turn up on the doorstep, have you previously had communication from them ?


Can you tell us a little more about the debt itself.


I think you are going to have to write to either them or the current owner of the debt - make it clear that whilst you are staying with your parents, this is not your home and you are not prepared to either have their agents telephone or visit. It is your legal right to communicate in writing and once you have made it clear that is your choice of contact then they should abide by it.


The sooner you get the letter out to them, the better.

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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We could do with some help from you.



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Oh gosh I don't even remember writing that! I was alot younger back then and I'm embarrassed to admit I buried my head in the sand and left it. I didn't hear anything for a long time and it was only in November last year that I started getting letters from a company called Marlin in response to the debt. I paid them a token payment of £10 at the time, but then their letters got more threatening and they started added "charges" onto the debt. It then got passed onto their "solicitors" and as mentioned I got a letter from Resolvecall a few weeks ago saying they were now dealing with it.


I do have other debts and these were managable but now that I've lost my job they won't be and I need to start writing letters to them asking to accept token payments whilst I'm out of work.


A little bit more about this debt in question - I got a loan out with Northern Rock in 2007 over 5 years, can't remember exactly how much for. I ended up being out of work (story of my life) and wrote to them asking for help. I never heard anything from them. I ended up defaulting on the debt and subsequently have been chased by debt collectors ever since. Marlin (who passed the debt onto Resolvecall) seemed to think I owed them £10k (it was originally £7k but they whacked £3k of charges on top).


As you can see I have been a bit of an idiot burying my head in the sand and hoping things would go away. Losing my job recently and being that little bit older and wiser (i was 24 and fresh out of uni thinking i was invinsible when I took out the loan back in 2007) I really do want to get my finances in order.

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What month in 2007 did you obtain the loan ? Was it pre April 2007 ?


After taking out the loan, when did you stop making payments ? Was there a period of 6 years when you did not make payments or admit to owing the debt in writing ?


Do Marlin still have this debt assigned to them ? ( Resolvecall I believe will just be acting for a debt owner)


Suggest that you check your credit record to see what is currently showing. This is a link to a free service. https://www.noddle.co.uk/


Whoever owns or has this debt assigned to them currently, you should send them a CCA request with the £1 postal order. Link to letter here


With regard to the other debts, you should really get proper debt advice about your overall situation. You could make token payments, but this just extends the debts over a longer period, as in terms of limitation act, they will then not become statute barred, so can be subject to court enforcement ( CCJ).


If I were in your shoes I would get all my paperwork together about the debts and I would phone Stepchange ( link here ). Perhaps you qualify for some form of debt relief option and you can get shot of your debts. Depends on what assets you own and your income.


Don't bury your head again about these debts, as otherwise you risk taking them into your 40's. If you can get proper debt advice now, this may be avoided.

We could do with some help from you.



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send them the doorstep letter making it clear its not ur house so they have no permission to come to house.

OFT debt collection guidance


Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.


Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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