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    • thread title updated post one made easier to read understand.  link to documents/pictures previously posted to our facebook page added. dx
    • Ok, sure! The company is Community Fibre. The issue is that while my internet speed from tests is extremely fast, I still experience delays in loading websites, connection issues on conference video calls, etc. I called & spoke to an agent, who had extremely poor communication skills and kept misunderstanding the problem & going round in circles. After half an hour of this, I asked if I could speak with a manager, but was told none was available. He eventually promised one would call me back within 24-48 hours, but no call came. I have now written to them explaining everything,  I am waiting for a response (I have an acknowledgment of the complaint). The 'manager will call you back' is a broken promise I've experienced a few times from different call centres/companies over the years, which is why I was curious how others have dealt with that & if there's a good general approach to this. Virgin Media (whom I was with in the past, and had a number of issues) were notorious for a whole range of awful examples of customer service, and this was their favourite it seems!
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    • Post Office scandal expert Moorhead predicts solicitor strike-offs Richard Moorhead, professor of law and professional ethics at the University of Exeter and a prolific writer on the Horizon scandal, said it was ‘highly likely’ that people would be removed from the profession. He added that he also expects one or two individuals to face criminal prosecutions. He was ‘cautiously supportive’ of the Solicitors Regulation Authority's position of waiting until the public inquiry has finished before taking any decisions on disciplinary proceedings, saying the regulator has been doing a lot of investigatory work behind the scenes. But Moorhead said the SRA should provide ‘greater clarity and detail’ about what it is doing currently.   Professor Richard Moorhead predicts strike-offs over Post Office Horizon scandal | Law Gazette WWW.LAWGAZETTE.CO.UK Lawyers have been 'everywhere' in the scandal, Professor Richard Moorhead tells legal ethics conference.
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DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**


MONTY
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because no one has posted on it for the last 3176 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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Hi Mike,

 

I have checked my files, thoroughly.

 

 

These are the only T&Cs provided by the current DCA under my recent SAR to them.

 

 

I will try and improve the image and repost.

 

 

However, the copy provided to me is very poor.

 

For information, last payment 31.07.2009. I think the variations in sums owed is caused by the addition of penalty charges and interest after the DN was issued

Edited by MONTY
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DN sorted already

 

 

that's non compliant

 

 

it states 14 days

 

 

not a specific date in the format DD/MM/YYYY

 

 

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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SAR to original lender drafted and being sent by recorded delivery Wednesday.

 

Letter of complaint to current DCA drafted and being sent by recorded delivery Wednesday.

 

 

don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

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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a debt does not have to have a DN to be sold

 

 

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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don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

 

For clarity, should I be sending a CCA request AND a SAR to the original lender? Will not the SAR cover everything?

 

Yes, I have moved twice but did inform the original lender of change of address (proof held) with the exception of my most recent move July 2013, but I have told the current owner of the debt.

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if the sar went to welcome

you don't need to repeat it.

 

 

CCA request goes to CABOT.as post 28

 

 

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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if the sar went to welcome

you don't need to repeat it.

 

 

CCA request goes to CABOT.as post 28

 

 

dx

 

To clarify - do I send CCA request to the current debt collection agency AND a SAR to the original lender? The current debt collection agency has responded to my recent SAR to them with the copy of the CCA and T&Cs posted in this thread

Edited by MONTY
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DN sorted already

 

 

that's non compliant

 

 

it states 14 days

 

 

not a specific date in the format DD/MM/YYYY

 

 

dx

 

I pointed this out to a judge with another debt and lost the case as he said I should have understood!!! I told him I wished to appeal and he said he would not allow it (that debt has been cleared now)

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I made an error in Post 26 which I have corrected.

 

 

Last payment was 31.07.2009.

 

 

However, from the original lenders transactional records they have recorded the £1.00 fees I sent to the debt collection agencies at the time

(I have copies of these requests and proof registered post) with my CCA request as credits on the account

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you say that you do not now own a property

 

this was a secured loan, welcome held a legal charge

 

what happened when the property was sold?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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How do I delete old files from my upload folder?

 

user CP top right

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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you say that you do not now own a property

 

this was a secured loan, welcome held a legal charge

 

what happened when the property was sold?

 

We returned the property to the mortgage company (not Welcome).

 

 

We wrote to Welcome explaining we had surrendered the property.

 

 

The property was sold by the mortgage company.

 

 

We entered into a repayment plan with the mortgage company for the outstanding balance.

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don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

 

Done. SAR signed and PO made out to Welcome. Sent - proof of postage retained

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Just been reading the FCA CONC.

 

 

Wow! There appears to be blatant disregard by the original lender and subsequent DCAs.

 

 

No wonder this debt has been passed to numerous DCAs over the years!

 

I cant thank Mikeymac2002 and others for putting me on the right track

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Thanks - cant see a delete button

 

 

user CP

 

 

misc

attachments

 

 

then tick the righthand boxes on the posts you want to remove the attachments on.

 

 

TIP look at the FILESIZE anything over 1Mb need removing.

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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Where there is a joint account and the DCA collection has placed the account on hold to investigate a matter with one of the named debtors,

are they allowed to immediately pursue the other named debtor, disregarding the dispute?

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Account in dispute so NO regardless of a solo/joint then its in dispute check out those regs from earlier post

 

Good point, well made. They put the account on hold to investigate issues I had raised, then pursued my wife.

 

CONC 7.5.3 A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

 

DCA's argument:

 

'With regards to any disputes on the account, we hold separate records for you and Mrs … it may have been the case, as in your most letter, as you state the account reference ............ only; we took this as the account was being disputed by yourself only. Your recent letter contains both names and as a result we have noted our records confirming that both parties are disputing the account'.

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Look how much info and control you are now getting I bet you thought you would never be able to take on the fleecers Monty so keep the pressure up and see what happens next....

 

 

They now have up to 56 days to deal with this complaint then they must send you their results, if they cannot sort the complaint out they must then send you a final resolution letter, stating what options you can take next

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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