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    • Hi, thanks for posting – and thanks for the offer. Your kind of specialist knowledge would be extremely useful if these topics come up. I understand what you're saying – whether it's possible to have an alert sent to you whenever there is a post mentioning "jewellery". I don't think this is possible – but it's a good idea that we don't have the skills to develop such an application to add onto this forum platform. A partial solution – but probably not very good – would be for you to follow us on Twitter https://twitter.com/Real_CAG and if somebody posted jewellery problem and happens to mention "jewellery" in the subject line, then that will be part of the title which is tweeted out then it might be easier for you to keep an eye on. However it would mean that you would overlook other threads which were posted which didn't specifically mention that word in the title. I'm afraid that it's probably rather burdensome if you are busy – but am afraid the anything aim think of at the moment is to visit us regularly and to search on "jewellery" or any other relevant search terms. Not very good really – that if you do find an opportunity to come in and help with your expertise, that would be enormously appreciated
    • Just consider that if the cretinous Johnson goes, we might get Gove or The Beadle. Beadle = Rees-Mogg wannabe Beadle of Workhouse UK
    • I've merged the thread with the earlier one which you posted. Please don't start new threads on the same topic. It is not helpful to anyone including to you.  
    • Hello and thank you for reply, I really appreciate!    Basically, I logged a complaint with CISAS and then reached out to all the directors Vodafone Limited and Vodafone Group Plc. I researched directors via companies house and guessed their emails. I also reached out to Ms Lamprell via Linkedin where she replied, gave me her email and said to she would have someone look into it. I sent her an email where I tried to present my case as a some sort of consultant giving insight about what I have learned about their customer service and what they could improve, mainly suggesting to hire a really highly trained professional in English and & Welsh law, so that person could take the cases that are being escalated and also train other staff. The next day, Vodafone came back to me with settlement offer. I believe everything has been pushed by Ms Lamprell who really seems a top executive to me (she will apparently receive MBE for her business services) and understands that customers are in fact important stakeholders; although the truth is I did email a few other directors too, so who knows...   In the settlement letter they pretty much negligently ignored almost all my listed points about the things where they were arguably very wrong; but what they did was they admitted some extra things where they were wrong and on that basis waived the charges and on that basis they will reverse the default on my credit file as well. Moreover, the settlement they offered me was based on the distress scale presented by CISAS where £200 is maximum for severe distress and they added £50 so I should get £250 altogether. I accepted the settlement, simply because I am too exhausted with this case.   To be honest I am still upset about the case and don't feel very satisfied given what I have been through because of Vodafone. I do believe if I pushed further and took them to small claims court or if I somehow pressed further through CISAS, I could get compensated for the actual damage caused to me and my business. I would need to play on a higher level with their lawyers for that, and it would require me extra time to study legislation and I would have to take extra risks too. I am honestly very upset about Vodafone's abusive systems, as there must be many vulnerable people going through it and I think it is unlikely it ends up as well for them -- quite the opposite.    Given anyones experience I would love to know how would you evaluate risks of pushing this further and what else could be done.    Thanks so much for all the answers in advance, it's a wonderful forum!  
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Ironic

Redwood/harwoods - school fees. Claimforn received - *** Settled by Tomlin Order* **

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Hi,

 

Received a call from unknown number just before Christmas asking me to ring a number to discuss a matter - I didn't.

 

Today have received a letter from Redwood Collections whose number it turns out was the one I was requested to ring.

 

Letter is below, and is all they have sent to me,

but my request for assistance from CAG (legends!)is what should be my first step with dealing with them,

 

who I have never heard of or dealt with,

as yes I dispute the whole debt for myriad reasons,

 

but I want to be seen to be doing the right thing by replying to them

- without listing all the reasons for disputing it at this point.

 

I am not ringing them it will be a letter but what should I actually say in it - preferably to kill it stone dead asap!

 

thanks for assistance

 

According to the public record you are registered at this address.

 

As we are unaware of any dispute in this matter,

it is our intention to instruct a process server to attend your address

for the purpose of serving you with a Statutory Demand issued

under the Insolvency Act 1986 (Bankruptcy).

 

Should you consider you have valid grounds for non-payment,

we invite you to contact us immediately to discuss the same within seven days from the date of this letter.

 

Should you fail to contact us and subsequently raise a dispute following the service of a Statutory Demand,

acopy of this letter will be produced to demonstrate to the court that every effort has been made to resolve this matter amicably.

 

Please be aware that should you become bankrupt any assets that you may have will be at risk.

 

This may include the sale of your house by the Trustee in bankruptcy to settle this matter where appropriate.

 

Yours sincerely,

 

Enforcement Department

 

Our company has the sole control of your account.

 

Payment must be sent to this office.

 

DO NOT PAY A DOORSTEP COLLECTOR,

without first gaining our authority.

Edited by Ironic

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Normally Id ignore. But for purposes, Id ring them and get information. A phone call is much quicker than anything else.

Make sure you withhold your number so you still have some privacy at least...


 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Thanks, want in writing what they actually have, if anything, and phone calls do seem to at times to have things said

but 'conveniently' forgotten down line!

 

So want to respond as per their letter in timeframe but not accept/acknowledge the alleged debt

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Thats fine.

.. The idea of the phone call is for you to get the information

, not for them to "conveniently forget".

 

Only reason i said ring them is because of their demand to issue a Stat Demand...

 

I know redwood from another couple of forums and they are a pain..

. They literally just send a notice they have the account

then a few days later just send a process server round...

 

Send a prove it letter from the library if you can access it...


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Sorry didn't mean to say wasn't a good idea ringing,

 

 

but thought it would make sense to get in writing their version of events.

 

 

I do like the prove it letter idea and have just looked at the library - nice!

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Will do and will post developments as bound to need more assistance! Many thanks

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How much is this alleged debt for?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The figure on their letter is just short of £25k

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Then my first thought would be that for a low life DCA to buy this debt and for the OC to sell it on without taking court action themselves,

then theres something seriously not right.

 

 

I would hesitate from ringing them though.

 

 

I would send them a prove it letter.

 

 

If they ignore it and try to get a stat dec filed,

 

 

they would be very stupid indeed.

 

Remember, theyve only phoned once in a phishing attempt, and are now trying to scare you.

 

 

Even though they havent even confirmed you are there.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Good point - does seem like a fishing expedition! Prove it letter via recorded delivery should start this off I think and we can go from there.

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It wouldnt look good for a DCA trying to BR you though. They havent even attempted to tell you what the debt is for. And they are saying there arent aware of any reason for non payment? Silly muppets.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Is this normal modus operandi from these sorts of people? If so how long do they try to keep this going?

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DCA's will try every trick in the book to get you to give them money. Remember, they buy debts in bulk, and maybe pay 10% of the face value for it. If that.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Wow! Sounds great way to start the New Year dealing with this lot!!

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That is a nasty letter and clearly you are dealing with a lowlife DCA. They need a robust response.

 

I would send a prove it letter and strictly stay off the phone. The sharper and more "to the point" the better.

 

Prepare for a SD, beginning now. SAR the original creditor for the info you will need to defend it.

 

You didn't say what sort of debt this is. Please let us know that, so we can better advise you after they respond to your letter.

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Had a sort through various letters received over Christmas period and have found one from C W Harwood (solicitors)

dated 22nd December (nice) which now I've read

 

 

it says that their agents for this debt,

which is apparently unpaid school fees, is Redwood.

 

 

It goes on to say that if Redwood don't hear from me they will issue County Court proceedings

and they will then seek court fees and solicitors costs and interest at 8% per annum.

 

 

Also says if the court awards a judgement against me then it may adversely affect my credit rating.

 

So if the solicitor is saying County Court

 

 

how come Redwood are screaming SD and Bankruptcy?

 

 

That really doesn't seem right does it?

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redwoods and Harwoods are a bunch of fleecers that send scary letters - end of.

 

read the letter CAREFULLY

 

nowhere does it say WILL.?

 

if the school fees are 'owed'

 

then its for the school to issues an SD or CCJ

or 'through' someone. like harwoods


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Will go through letters very carefully, thank you for pointing this out, and for the link, interesting.

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ok good

what is the issue wit the school and the fees then?

 

 

might be better to deal directly with them?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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When financial crash we were on our a**es,

 

 

had to take kids out of the school,

 

 

unpaid fees were the result and that was some time ago.

 

 

We had various issues with the school but heard nothing else after they said they would pass the paperwork to Veale Wasbrough our debt recovery solicitors.

 

 

That was circa 4 years ago and nothing until letter from C W Harwood pre Christmas

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When financial crash we were on our a**es,

 

 

had to take kids out of the school,

 

 

unpaid fees were the result and that was some time ago.

 

 

We had various issues with the school but heard nothing else after they said they would pass the paperwork to Veale Wasbrough our debt recovery solicitors.

 

 

That was circa 4 years ago and nothing until letter from C W Harwood pre Christmas

 

When did you actually default on payment to the school ? Is the debt coming up to being statute barred ?

 

Have the school actually sold the debt ? Any notice of assignment received ?

 

Any reasons to complain to the school ?

 

Are the school fees being asked for correct ? Have you ever received a detailed invoice for the school fees that are owed ?

 

What are the terms of the contract you signed with the school ? Did you have to pay them the whole of the term or year, if your child was taken out of the school ?

 

Suggest that you don't make any contact with anyone chasing this debt until you are absolutely sure what you are doing.

 

If this debt is not statute barred, the amount is correct and there are no reasons to dispute the debt, it might just be a case of coming to some payment arrangement with whoever owns the debt. This will be based on what you can reasonably afford. If you entered into such an arrangement, it should stop any CCJ or bankuptcy.


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When - I am trying to go through records and find out, which will also determine if statute barred or not, fingers crossed yes!

School sold debt - don't know, or know how to find out if they have. No notice of assignment received.

 

 

Complaints to school - yes but these were shelved as all was quiet

 

 

Amount of fees 'owed' correct - no definitely not and never received a detailed invoice

 

 

Terms were a Term in advance, and generally if child taken out of school they kept payment received.

 

 

So if I don't reply to the Redwoods letter and they do go to SD what options would I then have for course of action?

 

 

I also need to find out dates re statute barred - and also precise definition of when the six years starts

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When - I am trying to go through records and find out, which will also determine if statute barred or not, fingers crossed yes!

School sold debt - don't know, or know how to find out if they have. No notice of assignment received.

 

 

Complaints to school - yes but these were shelved as all was quiet

 

 

Amount of fees 'owed' correct - no definitely not and never received a detailed invoice

 

 

Terms were a Term in advance, and generally if child taken out of school they kept payment received.

 

 

So if I don't reply to the Redwoods letter and they do go to SD what options would I then have for course of action?

 

 

I also need to find out dates re statute barred - and also precise definition of when the six years starts

 

You need to know when you went into default on this debt, as that will dictate your approach to this.

 

If not statute barred, if you have no evidence that the school does not own the debt, it is in your interest to start an official complaint with the school. With an ongoing complaint which you can evidence, you can show this to a court that there is an ongoing dispute and they might not want to get involved, as there is no resolution yet to the dispute. *** Important*** Register the complaint with the school before any statutory demand is likely to be served on you. This will be in your favour.

 

Why has the school not sent you a detailed invoice. Again another reason you can use, as to why the court should not be involved, when the school failed to provide a full invoice.

 

Study the terms of your contract with the school about payment in regard to statute barring. Also what rules the school had at the time. What was the schools policy. i.e would they have removed a child from the school when payment had not be made say 1 month after the due date.

 

Even if you receive the SD, you can enter into a dispute and make some token payment based on affordability. You would still need to apply for a set aside of the SD, as if you don't then they can use the SD to petition for your bankruptcy later on.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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