Jump to content


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2159 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

  • Replies 117
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I haven't been recording any phone calls that I'm receiving, so could anyone recommend a call recorder app for an Android (Galaxy S6) phone?

 

Not sure, but this is why you should do everything in writing, so you have a paper trail of evidence.

Whatever they wish to say, can be committed in writing.

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!

 

 

Link to post
Share on other sites

Not sure, but this is why you should do everything in writing, so you have a paper trail of evidence.

Whatever they wish to say, can be committed in writing.

Got it :wink:

 

Just had an email from Wonga, who have closed my case because I didn't accept their offer of compensation. Here is the email I sent them with a revised offer:

 

Good afternoon,

 

In the interest of saving the time and cost of involving the FOS, I am willing to settle for the current total offered plus the total interest and charges of every loan prior to 8 September 2013. The loans would include:

 

24/07/2011 (XXXX borrowed, XXXXXX paid back in full, resulting in XXXXXX in interest and charges.

20/08/2011 (XXXX borrowed, XXXXXX paid back in full, resulting in XXXXXX in interest and charges.

17/12/2011 (XXXX borrowed, XXX top up on 30/12/2011, XXXXXX paid back in full, resulting in XXXXXX in interest and charges.

07/03/2012 (XXXX borrowed, XXXXXX paid back in full, resulting in XXXXX in interest and charges.

28/03/2012 (XXX borrowed, XXXXXX paid back in full, resulting in XXXXX in interest and charges.

26/05/2012 (XXX borrowed, XXXXXX paid back in full, resulting in XXXXXX in interest and charges.

20/07/2012 (XXX borrowed, XXXXX paid back in full, resulting in XXXXX in interest and charges.

28/07/2012 (XXX borrowed, XXXXXX paid back in full, resulting in XXXXX in interest and charges.

30/08/2013 (XXX borrowed, XXXXXX paid back in full, resulting in XXXXXX in interest and charges.

02/06/2013 (XXX borrowed, XXXXXX paid back in full, resulting in XXXXX in interest and charges.

28/06/2013 (XXX borrowed, XXXXXX paid back in full, resulting in XXXXXX in interest and charges.

26/08/2013 XXXX borrowed, XXXXXX paid back in full, resulting in XXXXX in interest and charges.

31/08/2013 (XXXX borrowed, XXXXXX paid back in full, resulting in XXXXX in interest and charges.

 

The total sum of the interest and charges for the above loans comes to £XXXXX

 

Adding this to the total already offered I am willing to settle for the sum of £XXXXXX

 

 

 

Best wishes,

 

 

 

 

This is the reply:

 

Dear ,

 

Thank you for your email dated 11 July 2015.

 

I am sorry to hear that you are unhappy with the offer made in my final response. As stated in your Final Response Letter, if you are unhappy with the outcome, you may refer your complaint to the Financial Ombudsman Service.

 

As you are not satisfied with the response, I will close the case and make a note that an offer has been made but it has not been accepted.

 

Best wishes

 

 

 

I didn't reject the offer per se, I was willing to accept if they didn't compromise and now they've shut the case down. Straight to FOS it is...

 

 

Any pointers to include in the complaint?

Link to post
Share on other sites

Hi all,

 

Received a letter from ARC today saying they could take get solicitors to take me to court if I don't pay an outstanding balance. They said if I don't contact them within 14 days to discuss, they may pass this on.

 

The money "owed" is current a P2P loan and it is currently with the FOS. Not too sure what to do as it doesn't seem as threatening as some other letters people have received on this forum.

 

Shall I post it up?

 

Richard

Link to post
Share on other sites

If you could depersonalise the letter, yes, please pop it on your thread, it might make it easier to advise.

 

Follow the instructions in the link below and you should have no problems uploading.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?431533-How-to-Upload-Documents-Images-on-CAG-Immediately-(you-do-not-need-10-posts)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Arc...they have no powers to do anything

Read the letter properly

 

It does. Not say will anywhere.....

 

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

Having difficulty uploading so I'll type what they said....

 

 

Dear Sir/Madam

 

We note you have not cleared your balance or made payment proposals since our previous letter to you.

We could now take steps to instruct Solicitors in Northern Ireland to prepare a County Court Civil Claim against you for recovery of the above debt.

 

What will happen next?

 

Unless we receive this payment in full or your payment proposals, a Civil Claim can be prepared 14 days after the date of this letter (16 July 2015).

If this action is necessary, our client in entitled to claim interest on the outstanding balance at the rate of 8% per annum.

In addition you may be liable for Court Fees of £70.00. You may want to seek independent legal advice on this matter.

 

What effect could a Civil Claim have on me?

 

If a Civil Claim is issued and the debt remains unpaid, our client could apply for a formal Court Judgement against you.

If a Judgement is granted and is not paid within one month, it will be recorded by the Credit Reference Agencies for a period of 6 years

and this may seriously affect your ability to obtain credit in the future.

 

What should I do next?

 

Please contact our Customer Support Team on 01932 251040 within 14 days from the date of this letter to discuss the balance on your account.

 

(Then a whole load about how to pay and to contact a debt advice agency.

 

Yours Faithfully,

 

Daniel Ryan, Head of Collections- ARC (Europe) Ltd.

Link to post
Share on other sites

I've merged your thread is this is relevant to you payday loan thread

and those on the thread that are now getting the post

might want to also answer/read the letter you have just gotten means

 

 

safe to say

you ignore it totally

 

 

I thought arc went down with the arc years ago.

 

 

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

FREQUENTLY ASKED QUESTIONS

Who are ARC?

ARC (Europe) Limited are a debt collection company acting on behalf of creditors to resolve outstanding debts.

 

https://www.arceuropeltd.co.uk/faqs.php

 

 

Because ARC do not own the debt they will be unable to start any Court Action against you, only the owner of the debt has the legal right to do this.

 

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

Link to post
Share on other sites

ARC have been threatening me for a while now with Court over a debt. They dont own it so what can I say.

Its empty th.eats. Interesting thread. Didn't realise it had gotten as long as it had

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I'm aware they don't own it, however when P2P informed me that ARC would be getting the debt, they said on their letter to me:

 

"Your account will be sold on DATE"

 

Doesn't this insinuate that ARC now own the debt?

 

 

 

Another point from an earlier post - Wonga offered me a settlement of all charges and interest paid on my loans between September 2013 and the present day - which I countered with a demand for charges of my loans from June 2011 to September 2013 included - they said the earlier loans weren't affected and closed my claim citing I rejected their offer. Having seen that they closed my claim, I called up immediately (I know) and they said the claim wasn't closed and I decided to accept.

 

Now - having settled for the loans between September 2013-present, does this mean I cannot go to the FOS about the June 2011-September 2013 loans? Or should I still escalate?

 

 

 

Again in relation to an earlier post - Payday Express sent me their final response, it was the usual about me agreeing to everything. They said I passed their credit checks - now when I applied I had a default from P2P on my file as well as late payments on 7 other payday loans, surely this was grounds to reject me?? I know I was stupid applying but I wasn't thinking straight and regretted it immediately.

 

 

 

247MoneyBox update - they rejected my formal complaint as well, but offered a settlement of 50% which I've accepted (not heard anything since about starting repayments). Still going to escalate.

 

 

Mr Lender update - after TWELVE letters of them offering me discount after discount, and a total of 143 missed calls in 39 days, along with 156 texts in the same time period, they offered 50% as well and I'm repaying that over 6 months at an affordable rate. Also escalating to FOS.

 

 

Different Money update - rejected my complaint. Again with these I had a default on my file and loads of missed payments so I don't know how I passed their checks. Quick question - Does this work in my/anyone else's favour when the FOS see that there was a default and loads of missed payments when one of these sharks accept?

 

 

Sunny update - no word back an its been 6 and a half weeks. These are the most interesting because again - had loads of missed payments and I took out 3 different loans in the space of 5 days with them, £150 each with a monthly salary of £850. Surely at least 2 of these loans shouldn't have been accepted? Again I know I applied for all these but anything I do get in settlement is partly going to this site (as without it I'd be so so so much worse off right now).

 

 

Quickquid/P2P update - partially covered P2P above, but I got the exact same response from the same person about my complaints with these. Everything about how they credit checked and that I could shove the complaint. Asked them politely if this was a final response - heard nothing for 3 weeks and they emailed saying that as this was a serious concern to both me and QQ/P2P, they need extra time before issuing a final response. Also, when I applied and was accepted for P2P in December 2014, I wasn't paying back a QQ loan I owed. Still don't understand how they would accept anyone who has not paid back a loan from basically the same company. Cannot wait to see what they say as I used them more than Wonga and rolled over/topped up as much as possible every couple months.

 

 

Finally - Fredpay update - as previously mentioned, they called my parents looking for me quite a few times and since I told them never to call them again or I would be taking the matter further, I've heard nothing. Not holding my breath as I assume they'll come back for more soon. This was regarding a Vodafone debt and the amount Vodafone say I owe compared to what Fredpay say I owe is a 300 quid difference.

 

 

 

Anyway, that's an update on all my debts. Glad that Wonga is settled as they were the one I was worried about most months ago. As always, any help with the many questions asked will be great :-D

Link to post
Share on other sites

No No!!!

 

after TWELVE letters of them offering me discount after discount, and a total of 143 missed calls in 39 days, along with 156 texts in the same time period

 

Dafuq is that! Disgraceful. ICO too! :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

send a new CCA to ARC.

 

 

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

No No!!!

 

 

 

Dafuq is that! Disgraceful. ICO too! :)

I deleted a lot of the texts and call logs before I even saw this forum so afraid I don't have much evidence apart from the texts.

Link to post
Share on other sites

send a new CCA to ARC.

 

 

dx

I've been educating myself a lot recently. Does this mean they provide me with everything they have about me and the debt if I request a CCA?

 

Edit: if I send a CCA wouldn't that give them more chance to take this further? Might just take your earlier advice and ignore until further notice.

Link to post
Share on other sites

I would be sending a CCA request

who says you owe anything now?

 

 

have you got every statement

and is the interest frozen.

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

I would be sending a CCA request

who says you owe anything now?

 

 

have you got every statement

and is the interest frozen.

OK so CCA to P2P or ARC.

 

 

It very much seems ARC own this.

 

 

Will get them to confirm and come back to you on this.

 

 

If P2P own it ill CCA them.

 

 

I assume interest is frozen as the alleged balance owed has been the same since the beginning.

 

 

There are no statements that I'm aware of.

 

 

Just letters saying how much I owe.

 

 

That's possibly the same thing though.

Link to post
Share on other sites

CCA request goes to who you are currently paying

SAR goes to the original creditor

 

 

get them both running

 

 

blank £1po with the CCA request - don't sign anything

 

 

£10 PO with the sar and sign the letter

please read the full CCA and SAR threads

and their notes after the doc in further posts in the thread

before you post them off

 

 

.

 

 

it concerns me you don't know if int has been frozen

and that you are not getting regular statements from AMex if they are/were te owner of the debt

 

 

how much in total have you paid since it went to the DCA's?

and what was the balance at the start and now?

 

 

sorry but this is beginning to smell of cash cowing

 

 

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

Nothing to do with AMEX? This is in regards to Pounds to Pocket. They just informed me they SOLD the account to ARC (Europe) Ltd on 11 June. ARC have said they don't own the account and have just been assigned it?

 

Something here isn't right and now I'm starting to get worried?

 

I've paid zero to the DCA as advised/not having the money to pay them.

 

Originally got a £600 loan with P2P, paid £141.66 two times or to them on time as first and second repayment. Nothing since as I lost job. Current amount owing is £701.09.

 

Balance at start was:

 

600 loan amount

991.57 total repayments

 

What do you mean by cash cowing?

Link to post
Share on other sites

yes sorry

amex is another thread

but same thing applies

 

 

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

Sunny update - borrowed three separate loans within five days off these and I wrote earlier that it was interesting because there was no way they should have allowed the borrowing.

 

Anyway received this email response today, they've written the ENTIRE balance off as a "goodwill gesture" :lol:

 

 

 

Dear,

 

 

 

I write further to our email dated 9 June, thank you for your patience whilst I have been investigating your complaint.

 

 

 

My understanding of your complaint is that you do not feel appropriate checks were carried out prior to the granting of your loan, and that we are guilty of lending irresponsibly. Furthermore you feel that providing this loan worsened your overall financial position. Please let me know if I have missed any points or misunderstood anything.

 

 

 

To investigate your complaint I have reviewed the account opening procedures in place at the time. Having done so, I am able to inform you that we conducted creditworthiness checks, we assessed your ability to afford the repayments which would fall due under the proposed agreement and we considered how you were managing other debts at that time. Based upon these checks it was considered responsible to advance credit to you.

 

 

 

Bearing in mind the above, I am unable to uphold your complaint, as we believe that the aforementioned checks were proportionate and responsible and we considered all available information at the time we made our decision to lend to you. The total amount borrowed was £XXX and to date you have not made any repayments, which means that presently you have benefited from the full loan capital. As a goodwill gesture, and in light of your current financial hardship, I have arranged to write off the outstanding balance of £XXXX.XX, meaning you therefore have no further liability to us.

 

 

 

I appreciate my response may come as a disappointment to you, however I hope you understand the reasoning behind my decision. Should you remain unhappy you can escalate your complaint to the Financial Ombudsman Service, below is a hyperlink to their consumer leaflet for your reference http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. You should notify the Ombudsman of your complaint within six months of receiving this letter, they may not consider your complaint after this time.

 

 

 

Yours sincerely,

 

 

 

 

Short and sweet. Now a couple of points and questions - why would this response "come as a disappointment" to me? Looks like it was a cut and paste paragraph anyhow. Nonetheless, happy with this as it is so obvious they know they were wrong in lending, and are trying to pass it off as a goodwill gesture.

Link to post
Share on other sites

 

Finally - Fredpay update - as previously mentioned, they called my parents looking for me quite a few times and since I told them never to call them again or I would be taking the matter further, I've heard nothing. Not holding my breath as I assume they'll come back for more soon. This was regarding a Vodafone debt and the amount Vodafone say I owe compared to what Fredpay say I owe is a 300 quid difference.

 

 

Hi richard123,

 

If you'd like any help from me with this, email me with your details via the Contact us form here.

 

To access the form you'll need to enter the code WRT135.

 

Once sent, you'll receive an automated reply with a reference number. Post back with this and I’ll check I've received it.

 

Kind regards,

 

Lee

 

Social Media Comms

 

Vodafone UK

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...