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Well there's a turn up for the books!

 

Still in shock at them not even putting up a fight. What annoyed me slightly was the goodwill gesture bit. No one writes off a substantial amount of money as a gesture of goodwill. Obviously know they messed up.

 

 

Starting to feel a lot more optimistic now, as always will update when I hear more.

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Only getting around to the CCA etc now.

 

Again contacted P2P who said ARC Europe own the alleged debt. ARC Europe say they don't buy debts. Am I right in thinking P2P haven't sold this debt and are trying to threaten me by saying they have? I can't communicate with them any further as they say they won't speak to me as ARC now have the debt.

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I can't communicate with them any further as they say they won't speak to me as ARC now have the debt.

 

If you're talking to these lot over the phone, then of course they're going to lie to you, which is why you should never discuss financial issues over the phone (unless you can record both sides of the call?).

 

Keep everything in writing, you need a paper trail of evidence or telephone transcripts or you leave yourself open.

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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If you're talking to these lot over the phone, then of course they're going to lie to you, which is why you should never discuss financial issues over the phone (unless you can record both sides of the call?).

 

Keep everything in writing, you need a paper trail of evidence or telephone transcripts or you leave yourself open.

Was via their live chat section on their website and I got the transcript emailed to me. I can prove they've lied about selling the loan on as ARC have stated numerous times that they don't buy alleged debts.

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Was via their live chat section on their website and I got the transcript emailed to me. I can prove they've lied about selling the loan on as ARC have stated numerous times that they don't buy alleged debts.

 

Good, complain to the FCA now.

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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Good, complain to the FCA now.

 

Taking it to the FCA tomorrow, as that is when QQ and P2P's formal complaint reply window is up. Now when I'm doing this complaint, I assume I just merge the two complaint together into one, part 1 being the 8 week window being up and part 2 being them insisting my loan has been sold and ARC saying they haven't bought it?

 

Thanks :wink:

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As easy as it would be to do that, I'm thinking NO!

 

Keep them both separate.

 

After all, one has nothing to do with the other...

 

First complaint, they have failed to look at and rectify your complaint as at dd/mm/yyyy and are now out of time under their own complaints procedure (but check to make sure they are)

 

Second complaint, the failure to conduct their business professionally and honestly, informing their customer that the agreement has been sold onto a third party, when in actual fact it has not, implying & demanding that the customer speaks directly with the chosen third party of the creditor in an attempt to dissolve the original creditors responsibility.

 

Or words to that effect, if I had time I would be able to pull out the relevant legislation that they are falling foul under, no doubt the FCA's debt collection guidelines, (or OFT's if it hasn't yet been amended?) CPUTR is another I would be looking at, but with all things 'loan shark' related, you have time on your hands, unless they really believe they have it all watertight, then you hold all the ace's/

....

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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Quickquid update - They are refunding around 90% of ALL interest and charges on all loans plus writing off my current loan and removing all credit file entries. Safe to say I am very happy and accepted their F&F offer.

 

P2P update - Again, refunded 100% of all interest and charges paid, writing off my current loan and removing all credit file entries. Happy with this outcome as well.

 

They didn't mention about selling the loan to ARC, however I am happy to let it go and move on with my compensation.

 

 

That's now Wonga, Sunny, QQ and P2P ALL put in their place without FOS involvement.

 

Anyone have any experience with how the FOS deal with 118 as this is my last big issue now with an alleged £1700 owing. Any advice would be great.

 

Mr Lender I only owe another few quid, same with 24/7. I owe around £400 to Different Money and £140 to Payday Express but neither have gotten back to me since their Final Response so I'll escalate with those now on Monday morning when the FOS open.

 

 

I want to say a massive thanks to all of you that have provided life changing help and information so far. When this money comes through a donation will definitely be made. I am over the moon with these outcomes thus far.

 

 

Richard.

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hey no sweat

I'm just glad we were able to put things into the real perspective before you did anything silly like pay or go BK or IVA routes etc etc

 

 

its never as bad as it seems once you get the correct pointers to lifting the lid on things that have been done or should have been done & questioned

 

 

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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Absolutely fantastic news, very very well done!

 

I know just how much relief you're feeling right now, I had three years of fighting the DWP before they finally caved in!!!

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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  • 2 weeks later...
  • 2 months later...

Any progress with the rest of your claims Richard?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

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