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    • we need the exact particulars of claim, not what you have put please.  
    • Thank you everyone for your quick responses I just wish I posted here in the first place    I probably shouldn't have filled in the claim form however on the letter it said I had limited time to do so and because I was dealing with CST law trying to come to an agreement with paying off the debt I didn't think it would get to this point and now I have probably made my situation worst. Of course, I would have posted here first before sending it off had I not been in communication with CST to set up an agreement.    I sent the letter back to the court as some point in early August, the issue date on the claim form is 28th July and the most recent letter I have received 'Notice of fast track' is dated 18th November    If I am honest I can't fully remember what I wrote word for word in my defence, it would have been along the lines of why I left, my reasons and the fact I returned to my old career in an office plus taking a pay cut to do so. There wasn't much room to write a long winded defence so I kept it relativity short.   The above document Andy has posted is the exact document I am now looking at very confused in what exactly I put where    I just want to re-iterate I never agreed with this money I owe due to the training bond but it has gone on for so long at this point I'm happy to set up a payment plan if the balance can get reduced or a small one off payment upfront and this is exactly what I was trying to do prior to receiving the most recent letter    I have had zero communication from CST law, Centrica advised me to deal with them directly and I was waiting for a response from CST with the offer we had put across to Centrica - I chased it multiple times the following weeks and they kept telling me they haven't had a response and when they do we'll contact you which they still have not   Ideally I would rather not give them any money however I feel like I am out of options at what I probably should have done years ago is attempt to get it reduced and set up a payment plan    Please let me know if I have missed any critical info out    Thanks again for everyones help    What is the claim for – the reason they have issued the claim? I left a British Gas apprenticeship within the first 12 months of starting and went back to my old career in an office , my reasons for leaving were down to the completely differant job role which I realised quikcly was not for me and it was impacting my mental health massively. The claim is for a training bond which was in a contract I signed based on a sliding scale Year 1 - £9,000 year 2 £6,000 year 3 £3,000     What is the total value of the claim? £13433    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No  Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Training bond due to leaving an apprenticeship before 3 years    When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? They have sent me a virtually signed document with the contract   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Centrica are claimant, CST law are dealing and the court   Were you aware the account had been assigned – did you receive a Notice of Assignment? I believe so yes   Did you receive a Default Notice from the original creditor? I have had multiple letters like everyone else who has been on the forum over the years regarding this matter   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I am unsure, but when I left I had contested the original claim as I was dealing directly with Centrica’s collection team and they never got back to me after the final email I had sent and didn’t hear anything until years down the line   Why did you cease payments? N/A   What was the date of your last payment? N/A   Was there a dispute with the original creditor that remains unresolved? Correct I oringinally contested what was owed back in 2017 and gave my reasons for leaving and I assumed the matter was closed   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • OK thanks again Andy.   And understood 👍😉
    • Thank you for this. The first thing to be say is that this means that you are winning. It is pretty well unheard of in my experience for the bank to give way and finally return the money. The fact that they have done this under the threat of a judgement for breach of statutory duty indicates even more that they are worried about their position. Nowhere have they indicated that they have complied with the requirements of the Proceeds of Crime Act and informed the National crime agency. I don't believe they have and this is a very serious breach of statutory duty. Not only that it is a very serious breach of the FCA BCOBS regulations in that they are required to treat you fairly. Treating you fairly in this case means that they must comply with the rest of their statutory duties. It appears that they really haven't done this at all and that they have acted in an arbitrary way in disregard of the law and that they are hoping to get away with it. I find myself wondering how many other hundreds of people have been treated in exactly the same way – and you are probably the first ever to have stood up to them and to get them worried. I think I've already indicated that a press contact of mine in the Sunday Times would be very interested in this story. He has already run stories about the very poor standards applied by banks when deciding that their customers are involved in some fraudulent behaviour. The first thing to say about the letter which you have received is that they are trying to apply conditions to releasing your own money. It's your money and there should be no conditions and my suggestion is that you object to this. Secondly, not only are they threatening to continue to withhold your own money – but also they are saying that if they release it to you you will simply have the net figure without any kind of interest or compensation. It's clear that while they have had your money, they have invested it and earn money on it. They have probably been lending it out at between 16% and 20% and although the usual rate of interest is 8%, it seems to me that justice can only be served by repaying you your money plus the commercial rate of interest – at a compound rate. Normally the 8% is calculated at simple. Thirdly, they are not offering to pay you any compensation and clearly they are hoping to get away with it without any kind of sanction or not even a slap on the wrist.   Fourthly, they had the nerve to impose a seven day deadline. Don't worry about their deadline. It's a load of huff and puff. This is all part of their bluff game designed to intimidate you. At the end of seven days – what? Are they then going to insist on going to court?   If they really believe that they had done everything correctly and that the money was fraudulent, then they would not offer it to you back under any circumstances. It would be illegal for them to do so. You can be certain that these people do not want to go to court. In fact they probably wish they had never started.   Finally, they want the matter to be kept confidential – and I can't say I blame them. I would be ashamed if people knew that I had treated somebody else in this way and I'm sure they are worried about reputational damage. I'm also sure that there are extremely worried about what will happen if you get a judgement against them for breach of statutory duty. It will have to be reported to the FCA. It will have to be reported to the NCA. And of course it should be reported to the newspapers because people need to know what is going on. If you want, you can simply accept their proposal – get your money back, given confidentiality – and that's the end of the matter. However, you have no idea how this will impact on your record in the future. I imagine that they will bar you from ever opening an account with them again. – But at least you will have your money and you can get on with your life. However, if you want you can stand your ground and make it clear to them that you are going to be mucked around and treated like this and that you are prepared to go to court if they won't make a proper offer. I understand that you need to pay a court fee of about £350 in the next seven days. I expect that the bank is making this offer now hoping to dissuade you from spending any more money and hoping that you will back down. If you have the money to proceed then I would suggest very strongly that it will be a very serious sign of strength that you tell the bank that you're not interested in that you are paying the fee for the next stage of the court process. If the bank knows that you've called their bluff on this and that you have been prepared to invest further money in moving this legal action forward, then they will start to reflect and I can perfectly well imagine that they will make you another more interesting offer – once again on conditions of confidentiality. Without seeing any further offer, I'm already suggesting that you will probably be best off turning it down. In any event, I would remind you going back several months that I already predicted that the bank would make you confidential offer – and that has happened. I'm not saying that I'm always going to be right here – but I think that now basically the bank have pretty well admitted that they need to pay you your money, there is no chance of you losing it. You will get your money and it really is just a question of how much else you will get in addition. If you'd like to continue then let me know and I will suggest a draft response to them.
    • The cost of living in Britain over a person's lifetime is over £1.5m, new findings have claimed as the nation feels the squeeze amid soaring energy costs and dismal interest rates on cash savings.View the full article
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Willen/CSA now MKDP chasing welcome loan


paddyjoe68
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I read some of the posts here,

 

 

I recently received a letter from this company named Wiiien, CSA.

 

 

The said they were attempting to contact the above named person regarding a personal matter.

 

 

If i could help them maybe find this person then call a number that provided.

 

 

What should I do?

 

 

should I reply or call the number?

 

 

should I ignore?

 

 

Like one person on here said they had lots of mail and even someone at the door.

 

 

i live with an elderly aunt and i dont want doggy people calling to the door and scaring her,

 

 

what should I do?

 

 

can I do?

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Hi Paddyjoe,

 

Welcome to CAG.

 

First of all, never respond to a phishing letter, wait until something arrives through the post with full details of amount, who the creditor is or was.

Ignore all phone calls, if you do answer refuse to go through DPA and hang up, if anyone does turn up then tell them to get off of your property or you will call the Police, they have no legal powers whatsoever.

 

Please start your own thread for each debt or problem, that way it helps everyone who either replies to your thread or someone else in your situation can easily search and read up and become more knowledgeable.

 

To start a new thread click the link below...

http://www.consumeractiongroup.co.uk/forum/content.php?114-How-do-I-post-my-story-on-the-Consumer-Action-Group-forum

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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own thread created.

 

 

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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its worthy to note:

 

 

Compello Group...

Impact Collections

Keynes Collections

Milton Keynes Recoveries

MK Rapid Recoveries

Raven Recoveries

Willen Collections

 

 

are all the same company

 

 

willen collections are rarely used today

 

 

as Compello were carpeted over such dubious operations some years ago.

 

 

ignore them

 

 

just remember

 

 

a DCA are NOT BAILIFFS

and have

NOT SUCH LEGAL POWERS

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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Definitely ignore them.

 

And in the unlikely event they do send an unsolicited stranger to your door, you can tell them to clear off before closing the door.

They have NO legal powers at all, regardless of how many clip boards or ID badges they have hanging round their neck,

next doors cat has more legal rights to be on your property than these clowns.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Hi on the 19th of February I received a letter from a company called Willen (letter had been sent on the 16th),

asking me if I was the occupant of a previous address , which they listed.

 

 

That they wanted to get in touch with me over a personal matter.

If I wasn't the person they apologised for the contact but if I could help with the where abouts of the stated person then please contact them.

 

 

When I looked up this company I found that they were a debt collector firm in Milton Keynes.

 

 

I received a reply from a member on here, Stigman, telling me never answer phishing letter, which I didn't.

 

Now on the 28th of March I received another letter MK Rapid Recoveries, (sent 10th March, 18 days later I received the letter),

stating that furthur to their recent communcation of ownership of balance they hadnt received any offer of payment from me.

 

 

They are offering to help with a repayment instalment arrangement to clear he debt.

 

 

They also state the amount owed and the original creditor.

 

 

They say they will continue to contact me by post of phone until i contact them to resolve this issue.

What should I do in this case? can anyone please advise me?

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Hi there

 

Stigman has it correct. Ignore But file somewhere safe, anything that comes from them.

If they phone, hangup. Refuse to answer any security questions.

 

*IF* you receive a Court Claim form, then return to us for advice.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I have merged both your threads together for history.

If you keep to this thread people helping can see the history :)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thank you SabreSheep for the quick reply. I won't answer this letter then, they say in this letter that they had sent a previos contact where they tried to come to an arrangement with me but i didnt reply, I have not received any such letter from them. To date I've received only two letter, the one today being the second.

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whats the debt all about please

 

 

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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so its SB'd?

 

 

is it on your credit file?

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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see noddle below

 

 

old wives tale unless you update an address which you should always do

else they'll get a CCJ to an old address by default.

 

 

sb is statute barred

6yrs no payment or signed letter acking the debt fron you

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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Thanks, yes I had to leave that address back in December 2005 due to losing my job at the time. I didn't change my address so I don't know what letters were sent there for me, I had many problems at the time. So do you think I should just continue to ignore them and carry on as normal?

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Yes. Even if they try anything, statute barred is an absolute defence. Not even a court can undo that.

  • Confused 1

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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Thanks guys, you have been very helpful.

 

 

I will keep this thread updated on what is happening.

 

 

I just have one more question,

 

 

is there, do you think, any significance in them saying they sent me another letter in which they offered terms for repayment, one which I never received?

 

 

also the time the letters seem to take to arrive at my house.,

 

 

the first one took four days from date of sending the second took 18 days from date of sending.

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uk mail on the envelope?

 

 

can take 15 days by them.

 

 

that sentence is in all DCA letters

 

 

made to make you think that they are escalating things

rather than its just another phishing attempt

 

 

what is the original debt all about and with whom?

 

 

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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The original debt was £3000 and with a company called Welcome Finance ltd:

 

 

It was taken out to help a friend at the time who then later refused to repay me the instalments even after i lost my job and had to move home.

 

 

Obviously my name was on the loan so it's my responsibility

 

 

but as I was in dire straits at the time I had to leave where I was living at the time and moved else where.

 

 

I had paid the first instalments of the loan before all this happened.

 

 

Do you think that SB applies to me in this case?

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Good old 'compello' group!

 

Check your credit files first and see what, if anything, is on them, then you can start from there.

 

Trying to second guess without all the facts is pointless, get your ducks in a row first then you will know

what angle to attack them from.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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You can use Noddle, which is free, BUT isn't always as accurate as Experian or Equifax as it takes a while to update, but it's a start.

 

You'll need to give them card/bank details to check your identity, OR you can always write to Experian Equifax with £2 and get your credit file printed off in hard copy.

https://www.noddle.co.uk/dashboard

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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In a word yes, BUT, you need to start somewhere, it's pointless hiding, grab them by the jacobs and hit them head on.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Since its welcome, SAR them and get reclaiming. I guarantee you there will be amounts on that debt you can reclaim. Plus with interest, it will be a nice bit of cash in your back pocket, plus since the debt is SB, nobody can touch it, unless welcome buy the debt back, offset it then sell it on ( which is extremely unlikely.

 

Get that sar off, you could get a bit of money out of this.

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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