Jump to content


  • Tweets

  • Posts

    • It's solved Laura.  It's in the paragraph I've highlighted here in the attachment from the IAS. Plus look at page 28 of the PDF of Bank's WS.  There is written - 157 IPS 29/04/2022 12:52 29/04/2022 14:52 YE60PZA 158 IPS 29/04/2022 12:51 29/04/2022 14:51 YE60PZA - there are the two payments. One is for the elderly woman's car. One is for your son's, but with the wrong registration. When I get a second this evening I'll add the exhibits to the WS and it will be finished. IAS adjudicator's report.pdf
    • Speeding "tickets" are not like parking tickets. They cannot be appealed.  No you won't get one of them cancelled. They were two days apart and so will be treated as separate offences. If your speed was 53mph or below you will be offered a course for one of them (cost of about £100 but no points). For the other you will be offered a fixed penalty (£100 and three points). If you want to decline either of those offers the alternative is prosecution in court, where the financial penalty will be considerably higher. Make sure you respond to the "requests for driver's details" within the 28 days allowed. Failure to do so will see you commit a more serious offence which carries a hefty fine, six points, and an endorsement code which will see your insurance premiums double. Also make sure you submit your driving licence details if you accept a fixed penalty.
    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Stopping Payments to Stepchange and going it "alone"


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3444 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

Recommended Posts

Hi helpful people :0)

 

Just about to write my letters.

 

1. So I need to SAR the OCs to see what fees etc were applied 6 years ago to see whether I can get these maybe taken off any balances. I need to send £10 to each OC (better to get postal order??).

 

2. Then CCA the DCAs to see if I really should be paying them all back or if they're blatantly taking the mickey? Is there a letter for this please? And do they charge too?

 

3. Then start a thread for each debt and see what happens??

 

:-)

 

 

MBNAlink3.gif sold to Idem Servicing September 2012 £2,601

MBNA sold to Idem Servicing Sept 2012 £1,600

Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789

MBNA sold to Moorgate September 2012 £1,617

Barclaycard/Cabot Financial £1,749

Barclaycard/Cabot Financial £4,663

- BlondieGirl

Link to post
Share on other sites

  • Replies 173
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Just about to write my letters.

 

1. So I need to SAR the OCs to see what fees etc were applied 6 years ago to see whether I can get these maybe taken off any balances. I need to send £10 to each OC (better to get postal order??).YES

 

2. Then CCA the DCAs to see if I really should be paying them all back or if they're blatantly taking the mickey? Is there a letter for this please? And do they charge too?

 

Statutory fee £1

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

 

 

3. Then start a thread for each debt and see what happens??YES

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.

Link to post
Share on other sites

cca request

 

 

sar

 

 

yes use po's

 

 

on the cca £1 ones leave them blank.

 

 

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

Hi helpful people :0)

 

Just about to write my letters.

 

1. So I need to SAR the OCs to see what fees etc were applied 6 years ago to see whether I can get these maybe taken off any balances. I need to send £10 to each OC (better to get postal order??).

 

2. Then CCA the DCAs to see if I really should be paying them all back or if they're blatantly taking the mickey? Is there a letter for this please? And do they charge too?

 

3. Then start a thread for each debt and see what happens??

 

:-)

 

 

MBNAlink3.gif sold to Idem Servicing September 2012 £2,601

MBNA sold to Idem Servicing Sept 2012 £1,600

Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789

MBNA sold to Moorgate September 2012 £1,617

Barclaycard/Cabot Financial £1,749

Barclaycard/Cabot Financial £4,663

 

 

 

 

Templates for SAR and CCA request in the CAG library.

£10 fee for SAR if you have more than 1 account with any creditor only one fee is needed.

£1 Fee for CCA request 1 fee per account.

 

 

The fees are all Statutory Requirements.

 

 

Yes use POs clearly marked " For Statutory Fee Only"..

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 2 weeks later...

Do you want to post up further details so we maybe able to help? like the last payment have you got all of the statements and reclaimed the fees and maybe if there was any PPI involved?

 

 

How old are these debts please?

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

Link to post
Share on other sites

Payments made through the CCCS/Step Change and have been doing so for around 6 years.

 

BOS/Sainsbury's get £20.95 a month. This was defaulted and no longer shows on my credit report so I don't have much more info. I've paid off nearly £3k to them over 6 years, and owe £5k.

 

Cabot/Barclaycard get £18.79 a month Account opened in 1995. £2,6k paid off, £4,6k owing. Showing as arrangement to pay/debt management plan on credit report.

 

Cabot/Barclaycard get £7.01 a month. Account opened in 1995. £1k paid off. £1,7k owing. Showing as arrangement to pay/debt management plan on credit report.

 

As of yet, I've only sent the CCA to them. I haven't sent a SAR to see if there are fees (there were lots of DF fees added and over limit). No PPI because we've never taken any out.

 

 

 

 

 

 

BOSlink3.gif/Sainsbury's card/Cabot Financial £5,086

Barclaycard/Cabot Financial £1,749

Barclaycard/Cabot Financial £4,663

- BlondieGirl

Link to post
Share on other sites

So Cabot have responded with 3 duplicate letters. They have responded as follows:

 

"Thank you for your request for information under the Consumer Credit Act 1974. Cabot Financial currently does not have this information on file. However, we have requested the relevant information under section 77 and/or 78 of the Consumer Credit Act 1974 from the original lender.

 

What happens next?

We anticipate that we will be able to provide this information within 40 days. In the even that we are unlikey to obtain this information within thost time limits, we will write to you again".

 

So do I have to wait for the 40 from the date of their letter?

 

THANK YOU :-)

 

 

 

BOSlink3.gif/Sainsbury's card/Cabot Financial £5,065

Barclaycard/Cabot Financial £1,742

Barclaycard/Cabot Financial £4,614

- BlondieGirl

Link to post
Share on other sites

Hello :-)

I have posted separately for each DCA that we have to deal with and have updated accordingly.

 

However, I have a general question which someone might be able to advise on please.

 

We pay nearly £200 a month through a DMP and have done so for 6 years.

 

It started with payments of £354 a month and we have already paid off £27,000.

 

As I think we were ill-advised in the beginning from the CCCS should I stop paying them, and go it alone?

 

Several accounts have defaulted and no longer appear on my credit file.

 

For these accounts, I would like to reduce my payments right down.

They aren't showing anywhere so would I ever have to declare them (*if* we were ever able to move and look at another mortgage etc)??

 

If I write to the OC who defaulted me and whose accounts no longer show,

 

I can't offer minimal payment through the CCCS because we are meant to treat each account fairly

and pay back a "fair" payment to each OC/DCA according to the amount owed as a ratio (if that makes sense)

 

 

so I couldn't tell the CCCS to reduce payments to the OC where the accounts no longer show.

 

Does this make sense??

 

THANK YOU :-)

 

Thanks. I presume you wrote to the ICO?

 

 

What happened with the HSBC?

 

 

What could I expect the ICO to do?

- BlondieGirl

Link to post
Share on other sites

if the debts are no longer showing on your credit file

that means they were defaulted more than 6yrs ago and have dropped off

 

 

THEY CANNOT RETURN

and now are doing you/cannoy do you no more - any harm to your credit rating.

 

 

pers I would be dumping Stepchange now

 

 

£27k is one hell of a lot of money

and I think as the CCA returns start to fail

you are going to be very annoyed that these type ofchecks were not done on day one!!

 

 

sadly no DMC ever does any checks, bar the national debt line

who in recent times have 'woken up' to checking the legality of debts FIRST

before recommending one of the free DMC's to people.

 

 

dump them

 

 

and do it yourself now.

 

 

as for reducing payments

that's easy to sort out

 

 

you just now have to make THEM jump through YOU HOOPS

rather than the otherway around!!

 

 

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 I've started to make them jump through hoops

- 2 have replied today saying they have nothing to send me and will try and locate the documentation from the OC.

 

 

Cabot say they will try to do this within 40 days. Aktiv kapital don't give a time scale.

 

How do I get reduced payments? Is there a process? Letters?

 

I'm not sure what to do now to

 

 

a) leave Stepchange

 

 

b) reduce payments and

 

 

c) respond to Cabot and Aktiv kapital

- BlondieGirl

Link to post
Share on other sites

once any one fails the 12+2 WORKING days deadline

to send you an ENFORCEABLE CCA

 

 

you STOP PAYMENTS TO THEM.

 

 

this is why its better to dump stepchange

 

 

they wont like/let you remove individual debts from a plan.

 

 

pers I'd be closing it

and doing it yourself

with those creditors that pass the CCA test.

 

 

it is easy to negotiate a new payment plan under your own self run scheme.

 

 

you simply TELL them what they are going to get.

 

 

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

HSBC apologised and made a statement that a new system to comply with regulation time scales are in place, also have been told that a file on certain subjects of complaints are recorded for possible later action against them,.if continued, your case ICO should reprimand them or force action possibly? if we do not let ICO know then these parasites get away with it!

:mad2::-x:jaw::sad:
Link to post
Share on other sites

OK, so leaving Stepchange is easy.

 

How do I reduce payments to those who have defaulted me?

 

 

I am sure it is as easy as sending a letter, but is there a standard one to use?

 

What do I do with those who "pass the CCA" -

and I assume you mean send me the correct info within the right timescale?

 

What will happen with those who don't provide the right info

ie, Cabot/Aktiv?

 

 

If I just simply stop paying, they're going to start to send letters etc presumably.

- BlondieGirl

Link to post
Share on other sites

yes you'll probably get a forest through your door

 

 

because you have found out that they have been cash cowing you for years on debts

they cannot legally enforce

and if truth were known

never could.

 

 

pers I'd be waiting till we get ALL the info on all the debts

 

 

then workout which need paying

 

 

then start a fresh under your own administered plan

 

 

all the details ofwhat to do/send etc

are here and on many internet sites.

 

 

but for the minute

 

 

I'd sit on your hands.

 

 

any that fail the CCA 'test'

could be sent a letter

 

 

but in all truth they know the score

and theres little point in starting letter tennis with them.

 

 

until / unless someone after money produces an enforceable CCA they are STUFFED!!

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

Thanks for your reply :-) I will wait and see what they all come up with (or not) and take it from there.

 

*if* they can't produce anything, and I stop paying, and it's unenforceable etc etc, can anything be changed on a credit reference file??

- BlondieGirl

Link to post
Share on other sites

no

 

 

but I would suspect most of your debts are close to the 6yrs defaulted date anyhow

 

 

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

This is my problem;

 

 

what appears on the credit file.

 

 

We went onto a DMP just over 6 years ago now and

some of the debts were defaulted and no longer appear on the credit files.

So there's no point in paying them larger amounts every month.

I have requested CCAs from these too, and I will see what comes up.

I will SAR them as well to see if there were any fees (there were).

 

But, my main problem is those companies, such as Barclaycard, MBNA etc who agreed this DMP.

They are reporting to the CRAs that we're on a DMP.

And they will continue to do so until 6 years after the debt is paid off - until we probably retire or die!

 

 

So trying to get the CCAs is the start of the process to sort this whole mess out, but I'm not sure what I can achieve.

 

Great if I can get monthly payments down.

Even better if some DCAs write the debts off.

But it's the credit files that are causing no end of problems for us.

- BlondieGirl

Link to post
Share on other sites

so you have the dreaded AP marker with no default listed in the debt summary?

 

 

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

YES! :-( several.

 

And it isn't fair - we are, and will be, penalised for years and years.

Going bankrupt seemed a far better option.

But Stepchange not to do anything like this.

 

This is why I started all of this.

 

 

I was none the wiser when we set this all up.

 

 

Stepchange didn't mention anything about this.

 

 

Now we were thinking of moving into rented, let our house out, but I know we won't get a buy-to-let mortgage to do this.

 

 

Big problem because of a small house (now with children) and needing to move because of schools.

 

 

And we couldn't get a loan for a car or lease one - we need a vehicle. No car = no work = no money.

 

I am at my wit's end.

- BlondieGirl

Link to post
Share on other sites

ideally again this is something that stepchange should of sorted

 

 

getting the debt defaulted first and getting interest and penalties stopped.

 

 

it might well be better to deal with each on that has the years of AP markers

on the thread for that debt.

 

 

there was until recently good worth in complaining that the AP marker is

disadvantaging you as apposed to other debtors that don't pay at all.

 

 

but there was a recent change in the ICO guidelines

and they appear not to be resolving such AP marker issues anymore

but I suspect there will be no harm in asking

as this happened before the change.

 

 

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...