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    • Dear All,   BN - Thank you for your comments.    My wife had prepared the relevant notice to the court and rather than spending time redacting I am sending it as PM to the contributors to this thread. It covers everything we have been discussing and is in line with  your comments and our discussions.   For the benefit of readers oif CAG I will redact and post it later as we have pressing family medical matters to attend to.    Warm regards BF  
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    • Thanks for the images. It's shocking. This more than ever reinforces my view that you should take this to court. The number of people they must be fobbing off with this three months story is incredible – and they need pulling into line. If you simply complain to the CEO then they may sort out your problems – but the rest of it will go on as usual. They need something very serious here. In fact, I would think about suing them for £200 because I think that once they realise about the mistake they are making, they will be extremely anxious not to go to court. On the basis of this, I'm afraid I don't think I would even alert the CEO. I would send a letter of claim which will probably simply be seen by drones – and then issue the papers. I think you have an easy win on this case. Also, once they realise that they are dealing with a court case, they will look at the whole situation more carefully and they will probably sort out all of the problems at the same time. If they don't, then these two have laid down your marker and they will know that you're not mucking around and they will take you seriously.
    • These are the two incidents from Virgin Chat where their Live chat has informed me of the 'only 3 months' decision.... 15 April was the date they acknowledged receipt of my SAR. Apparently anything from before that date can't be included!
    • You could try both routes at the same time. Send your letter of claim by email to the CEO email address. Confirmed by letter. That way you have communicated with the CEO – but given a very definite deadline and a very definite promise as to what will happen if they don't comply. Then on day 15 sent the claim. Don't make a threat of legal action if you don't intend to carry it out. Don't bluff – but it is very easy to do
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
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Are you owed money/Sentinel /vantige legal - keep taking money from my bank

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I was hoping that someone could help me with a company called Are You Owed Money (used to be called Sentinel debt recovery)


I had an outstanding debt with a garage for a repair which needed to be carried out on my car which in itself is a long story,



i owed £900 and was contacted by sentinel to pay off this debt

we agreed to pay off £50 every 4 weeks as this was inline with my pay

and the only way to set this up was by giving them my card details

they took payment every 4 weeks (first mistake).



Around about September i didn't have enough cash to pay this

i contacted them to tell them around a week before and asked could they take it out 1 week after the original plan

and then go back to the original payment plan which they agreed and said it was fine.



Then to my surprise they took 2 payments out one on my original date which left me with the money i required to pay my council tax

and then a second payment a week later

i contacted them and they did apologise and say it wont happen again.



But this then happened 3 more times and

i phoned them each time to tell them to stop it and reset the payments to the original plan

but each of these times i was told that either the system was down or that someone would call me back (which they never did)



During this time the company had change their name to Are you owed money

i the phoned again to say that i wasn't happy and this is when i got a lady called Christine

who was a very unhelpful she told me that

"well i don't know who let you set this payment plan up as now the debt had risen to £1400

and we don't accept payments that low we will have to look into this and ring you back

because you need to be paying this off quicker"



this really did get me worried as i suffer from anxiety and depression (which i explained to them) really didn't help the matter,



i did dispute the extra on top of the original debt but they just said "oh we will see what can be done with that when the majority has been paid off"


I'm a bit lost now because they kept taking payments outside of the agreed payment plan

i told them that i was going to contact the bank and block them which i did

so then they change the name of who took the money to vantige legal and took another payment so i got the bank to block them as well.


Now i have them sending letters to my old address even though i have told them i had moved at least 3 times demanding full payment and potential bailiff action.


Any help would be appreciated.



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have you a full statement of what you have paid to date.



sounds like you've a very backdoor DCA there

they have no legal powers




and certainly CANNOT add anything to any debt they collect




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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Stay OFF the phone to these creatures.


As DX says, this outfit are powerless and can do nothing, they're NOT bailiffs, and never will be.


What you need to do is contact your bank and demand that they cancel ANY continuous payment authority that is on your card to pay these lot.

And also instruct them that NO further money should be paid to Are you owed Money.


Keep a diary of events, if they ring you, laugh and hang up and repeat the process until they get the message.

Keep everything in writing.

NEVER EVER give your card OR bank details to a DCA, as you have seen, they will play havoc with your bank account and leave you desolate.


This 'Christine' sounds like she's in cloud cuckoo land if she thinks your going to be lining her pockets with an extra £500!


You should really pay the garage direct, regardless of what they say, see if you can get their bank details and set up a standing order to pay them every month.

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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