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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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Cold PPI reclaim call from those nice people at Rock Law


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How exciting. Those nice people at Rock Law who have been so nice trying to contact me from a Birmingham number - 0121 6152941 finally spoke to me today. Very strange because when I tried to call the number, it wouldn't ring. They were really keen to talk to me because they had been calling me repeatedly although strangely each time I answered there was silence. A loose connection I expect. Anyway, we finally spoke. Very nice guy called Gavin with a Welsh accent and he told me that he was in Swansea even though his number came from Birmingham very clever of these people to be able to do that and to be in two places at the same time Swansea is a very nice place I know because I've been there and he told me that I had some PPI which needed to be reclaimed and he also told me that every loan ever made by any bank in the last 25 years had PPI embedded in it and could be reclaimed. Wow and he was from Rock Law Rock like the stone and law like the police he said and he laughed because I think that it was meant to be a joke and he was going to send me an email to get things going but he wanted some personal information first and he really tried to persuade me to give him the information even though I said that I was worried about handing personal details over the phone to someone I didn't know but he was very nice and I nearly trusted him but not quite and so he said that he couldn't help me if I wouldn't tell him my birthday and I wouldn't so he went.

 

Rock_Law_Gavin-2.mp3

 

And those people at Rock Law are very busy but they still find time to be very worried about my finances because they even phoned me again

 

Rock_law.mp3

 

Call number one recorded on a Samsung mobile phone using the automatic call recorder app https://play.google.com/store/apps/details?id=com.appstar.callrecorderpro&hl=en

no processing

 

Call number two recorded through Skype using Amolto call recorder http://amolto.com/

no processing

 

Edited by BankFodder
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Then I went and did a search using my friend Google and I found these:-

 

 

http://www.tellows.co.uk/num/08437241052

 

http://www.badnumbers.co.uk/0843-724-1052/

 

http://whocallsme.com/Phone-Number.aspx/01792905192

 

http://uk.whocalledme.com/PhoneNumber/08437241052

 

http://forums.moneysavingexpert.com/showthread.php?t=5137592

 

... and many more.

 

I think that maybe Rock Law are bad people

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I cant quite understand anything he is saying, think it might be his accent... Although i do hear some sheep in the background...

 

http://www.rock-law.co.uk/

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So if he 'knows' you have ppi, then logic says he must know your name and accounts and numbers etc so why does he need those again!

 

 

This is the same as the figures that come out saying '60% of pensioners are not claiming their entitlement'. Well if they know there are 60%, then they must know their names so why don't they write to them and invite them to claim.

 

 

The problem with these type of calls it that a lot of people fall for them. Then what happens when there is nothing to reclaim but they get a bill because these lovely companies did some work looking and think they are entitled.

 

 

I so wish there was some easier way than a national tv advert to tell people they do not need these companies and can make twice as much by doing it themselves.

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Oooh and look I found this -

 

Claims firms which use information gathered by unsolicited calls and texts or who provide poor quality services will face large fines under law changes announced by the Government today.

 

https://www.gov.uk/government/news/rogue-ppi-claim-companies-targeted-by-fines-and-toughened-regulations

 

and my friends at the MOJ have written to me and said

 

Yes, the new financial penalty regulations came into force on the 29.12.2014 under the Financial Services (Banking Reform) Act.

Regards

 

So of course I logged a complaint with them. Not the first - or the last, I expect.

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I think that our advice is to steer well clear of Rock Law. Any firm which routinely breaks the MOJ regulations is clearly not to be trusted.

 

In fact steer clear of any Claims Management Firms. If they weren't running CMCs, they would be running Private Parking or Retail Loss Prevention - and if they weren't doing that they would be running Debt Collection Companies. You know the type.

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  • 10 months later...
BankFodder said:
How exciting. Those nice people at Rock Law who have been so nice trying to contact me from a Birmingham number - 0121 6152941 finally spoke to me today. Very strange because when I tried to call the number, it wouldn't ring. They were really keen to talk to me because they had been calling me repeatedly although strangely each time I answered there was silence. A loose connection I expect. Anyway, we finally spoke. Very nice guy called Gavin with a Welsh accent and he told me that he was in Swansea even though his number came from Birmingham very clever of these people to be able to do that and to be in two places at the same time Swansea is a very nice place I know because I've been there and he told me that I had some PPI which needed to be reclaimed and he also told me that every loan ever made by any bank in the last 25 years had PPI embedded in it and could be reclaimed. Wow and he was from Rock Law Rock like the stone and law like the police he said and he laughed because I think that it was meant to be a joke and he was going to send me an email to get things going but he wanted some personal information first and he really tried to persuade me to give him the information even though I said that I was worried about handing personal details over the phone to someone I didn't know but he was very nice and I nearly trusted him but not quite and so he said that he couldn't help me if I wouldn't tell him my birthday and I wouldn't so he went.

 

 

Well done.

I like a fool after buckling to their hard sell last December.

Being told I was due inbetween 2/3 thousand pounds. and it wouldn't take more than 12 & 16 weeks

 

 

I decided to let them find this ppi,

I told them I was sure I never had, then I would definately not be out of pocket whatever happend, with some second thoughts after giving them £300 deposit,

 

 

I had secong thoughts and rang back and cancelled.

 

 

Within a couple of hours a David Tompkins one of the bosses phoned me and persuaded me that I really had all this money to come back.

 

 

He lowered the commision and the deposit to £200 and need less to say I have just found out that they have gone into administration,

am now left trying to get my money back.

 

 

they prey on the vunrable, I'm a disabled person living on benifits and informed them of this at the time.

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I can answer why 60% of pensioners don't claim their entitlement. They do not want the hassle of continually filling out paperwork and informing whoever of the minuate of their lives, financial position or where they are going for the next couple of days.

 

I'm having enough trouble with the local council over a housing benefit/council tax claim - they want every blessed bit of paperwork in triplicate with a detailed letter of why I have had so many holidays this year and not worked and not previously claimed- err, I had the money to do so you plonkers, plus the hassle you have given me is hardly worth it.

 

As for Rock Law, I thought it was against the advertising standards code to include words such as Law in the title of a firm when clearly they are going AGAINST the law.

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  • 6 months later...
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