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    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
    • As he bought the car last year – well over six months ago, it's not at all clear that he will be able to terminate the contract. I think you need to let us know more about the car, new/second-hand/price/mileage and also the date of purchase. Also I think we need to have a list of the faults which occurred and which have been repaired and the faults which have occurred and which are outstanding. He will probably need to get these faults appraised by an independent inspector and also an estimate for repairs. It is highly likely that the best he can expect is to have the repairs carried out free of charge – but we need to know a lot more really. It really would be much more helpful if your brother would take control of this himself and come onto the forum and start posting a story. I don't fully understand how you say that he hasn't been here before and yet we are telling him to send letters which he thinks are being ignored.
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Please help. My partner is in 4 weeks arrears of £200 due to losing tax credits. he has offered to pay extra on top of what he normally pays but they won't accept his offer and its putting us in more debt due to their charges on top. hes worried sick and suffers from health problems and is awaiting on his medical for him to stay on his ESA and this is making his health worse as we can't make that £200 up on top of the £53 he already pays per week. then we have other bills.

 

We don't have their insurance as have our own but they're now threatening to come into our home and tell the neighbours about us not paying and they want to take our goods which we've been paying on for over a year and some 2 year and we can't do without the washing machine. I don't want to lose our things.we just want to arrange to pay a bit of arrears back on top of the weekly payment even if it does leave us without.

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they're now threatening to come into our home and tell the neighbours about us not paying and they want to take our goods which we've been paying on for over a year and some 2 years.

 

How are you communicating with them?

 

If it is over the phone then STOP.

If they ring tell them to put everything in writing and hang up.

 

What you have described there is BLACKMAIL, and whoever told you they would inform your neighbours needs to be sacked,

make a very loud formal complaint to the CEO regarding this parasitic outfit, leo.mckee@brighthouse.co.uk and follow up your complaint in writing too,

http://www.ceoemail.com/s.php?id=b-9248

 

Inform him that you are mindful of taking your story to the press in order his employee is not only sacked, but is dealt with by the courts for blackmail, which falls under the theft act.

http://e-lawresources.co.uk/Blackmail.php

 

The fact they will not allow your offer is indicative of just how loathsome this outfit is, deliberately pushing you into more debt.

 

I'd also be mindful of making a formal complaint to the FCA too.

 

BH cannot just rock up and take back anything, they would need to get past your front door for a start!

 

I'm pleased you don't have their pointless insurance either, that's a saving grace right there, well done!

Edited by Bazooka Boo
Typo

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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And remembered any doorstepper ls not a bailliff

 

They have no such legal powers whatsoever

 

And they most certainly cannot repo any goods as you have paid more than a third

So court order time only

 

But anyway even under a third

They have no right of entry

Nor ever can take goods without your permission

 

Their late fees are also unlawful and unenforceable

 

Dx


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Hi Beth

 

Welcome back to CAG and sorry to see that youve had these issues.

DX and BB are completely right. !st off, reclaim those insurances, they will wipe the arrears out and give you more money. Thats if you have any of them. Are you sure that you havent been forced to have their 5 star service?

Also don't forget that there arrears fee are not lawful and cant be enforced.

 

If a doorstep person turns up, there isnt much they can do unless they do have that court order and from what it sounds like and knowing Brighthouse's agreement lenght, I would say you have definitely paid over a 1/3 for your items.

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Thank you all for the advice

 

 

myself and especially my partner don't want it ending up in court and we get our goods taken from us after all the money he has paid over.

 

 

we do have the five star service but that is compulsory and they tell you that it cannot be removed.

insurance/dlc can be which we don't have anyway but the five star package you have to keep or customer is not allowed to take product.

 

We don't want our goods taken by the courts and that is why we offered a small amount extra each week

along with the £53 he pays but we can't make £200 up straight

 

 

they won't accept it and want the whole £200 plus charges.

 

 

we are so scared that they get to take our things and its taking its toll on my partners health.

he is a 61 yr old man with health problems to begin with and we sure don't want our neighbours being told out personal finances.

 

 

I'm in tears writing this as we don't know what to do.

 

 

wish we had never got involved with this shop.

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they don't do court - never seen it here once

and they cant take your goods without one

nor inform neighbours.

 

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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they don't do court - never seen it here once

and they cant take your goods without one

nor inform neighbours.

 

 

dx

That came to my mind too, Exactly that, Ive never seen them do Court, YOU ARE SAFE!

Priority Debts first, Non Priority later and then feed the scraps to Brighthouse...

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Thank you all so much. has stopped us worrying a little knowing they don't do court as we don't want our stuff being took from us after paying on some for 2 year. I just wish they would allow us to pay the £53 and a little extra from the £200 arrears but they just won't have it.

 

Dreading them banging on our door though and hope they don't do as they say they will and inform our neighbours.

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if they do you get testimony from your neighbours and sue them in court

the FCA/FOS/ICO wil eat them for breakfast

you pay them what you can when you can end of!!

 

 

and the 5 star service in NOT compulsory

and can be reclaimed

 

 

you are covered free under the SAle of goods act anyway.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Good Morning beth0o0,

 

I am sorry to hear your partners account has fallen behind with payments due to means out of your control.

 

When an account unfortunately falls into arrears, our collection process is to contact the customer by phone, and if we are unsuccessful we would make a visit to the property.

 

BrightHouse offers many options to help customers when an account is in arrears, these include:

 

1. Pick up and hold – this allows customer to return any goods on a temporary basis.

• No further payments whilst on hold

• Any arrears frozen

• The item will be returned to the customer once their circumstances improve

• No limit on the number of times a customer can take advantage of pick up and hold

• Saves having to start from the beginning of an agreement

 

2. Downgrade - should a customer experience a more permanent change in their financial circumstances they can downgrade

their item for a less expensive one.

• A more affordable alternative may be one of our quality refurbished items

• A new contract is required which may result in loss of protected goods status

 

3. Full return – where customers experience a longer term change in their circumstances they can return their product.

• any arrears removed

• zero remaining balance

• a re-start voucher which allows the customer to pick up where they left off with a similar product should they buy again

from us within 12 months

BrightHouse store managers are empowered to work with customers to ensure the right option is selected and offered to the

customer – the above options cannot be guaranteed as they are not suitable for all circumstances.

 

 

All these options can be taken advantage of at any time.

 

As I do not have any account details for your partners account, I am unable to speak with your local store directly to see what we can do to help.

 

I have logged your post on our complaints system under the reference 219061. Please could you inform the Customer Relations team of the details on the account either by calling 0800 526069 or by email to customer.relations@brighthouse.co.uk. Please include the reference number so we can add the details to the correct complaint and have it looked into accordingly.

 

Many thanks

 

Jason

Web Relations

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Told you they would come... I think Jason has a good point about the full return if you wanted to VT the items in question but as youve paid quite a bit... :) I wouldnt.

However, Jason, Could I ask why CR at BH doesn't have the power to step in and take FULL CONTROL of the situation?

 

We've heard and seen exactly what some of the staff do to get their arrears removed or recover the items.

 

Anyway Im not going to grill you. I may also need to talk to you directly about something. It appears I have Brighthouse on My consumer Credit profile and I want it removed.

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Beth as you have already been subject to BH's criminal employer and their blackmail, DO NOT contact these by phone EVER!

 

Keep everything in writing/email so you have a paper trail of evidence should you wish to take legal action against them.

 

The 'options' they provide are patronising to sat the least! ''Pick up and hold''????

 

As has already been said, ANYONE who turns up on YOUR property unannounced can be given short shrift and told to

remove themselves before you call the police.

And 'IF' BH send one of their clowns round, then you are under absolutely NO legal requirement to discuss anything with them, again

keep everything in writing, whatever they wish to say can be committed in writing, I'd like to see them threaten telling your neighbours in

writing!

 

I'd be welcoming them banging on my door, I'd make them you tube stars for a day.

 

Don't forget, that this is YOUR home, YOU have every right to feel comfortable and protected in YOUR own home.

DON'T let some tin pot company who's only aim is to make a profit out of other peoples misery and circumstances make you

feel the slightest bit threatened or intimidated in YOUR own home.

 

YOU choose who YOU wish to invite into YOUR own home, THEY don't and cannot dictate to YOU anything.

 

You have made a very generous offer, they have refused, and they have threatened to blackmail you to boot, a clear cut criminal offence

for which that particular employee should be sacked, and the press & media should go to town on, again!


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 afternoon beth0o0,

 

Apologies for the delay in response.

 

Just touching on my previous post, the Customer Relations team have yet to receive any communication from you regarding your partners account.

 

I would like to advise, as each customers' circumstances are different and to provide assistance with your partners account, as previously requested I would need the details to be able to look into the options available. I would like to reiterate that we have many options available that can help bring the account back up to date in addition to what I previously mentioned.

 

I kindly request you contact the Customer Relations team on 0800 526069 or email customer.relations@brighthouse.co.uk and quote the reference number 219061 so we can look into the account and find a suitable resolution.

 

Many thanks

 

Jason

Web Relations

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Hi fkofilee,

 

Thank you for your comment.

 

I am quite keen to help you and I kindly request you contact the Customer Relations team and quote the reference number 219851.

 

I would need some more information in order to look into your enquiry.

 

Many Thanks

 

Jason

Web Relations

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Please don't ring them Beth, email them so you have a record and evidence of what has been said.


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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Just a quick update. Today one of the BrightHouse staff came knocking asking my husband when he will be paying his £53 plus £200 we are in arrears with and charges. he said he'll be into store tomorrow but can only pay the £53. his other 3 items he paid monthly on but since we've lost the tax credits and are awaiting on an appeal for his dla we can't pay full amount and are going to offer to pay £100 per month on those other 3 items plus pay the weekly £53 we pay. They're are going to hit the roof no doubt when he only pays £53 tomorrow. we won't be giving the stuff back as we've paid a lot out and a couple finish in a few weeks. be glad to pay every penny back and be done with.

 

Also how do I go about getting charges and insurance back as at one time we had all that before we got our own insurance as I'd like to try.

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It's absolutely criminal how these parasites feed off the vulnerable in our society, I feel for you I really do, if I could have a magic wand and

make it better for you I would......:grouphug:

 

Let them hit the roof, there is absolutely sweet fa they can do.

 

If you know the exact amount of charges and how much their pointless insurance cost then you could first start by asking them

for it to be refunded, no harm in asking, all they will say is no, then you can start turning the thumb screws.


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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Just a quick update. Today one of the BrightHouse staff came knocking asking my husband when he will be paying his £53 plus £200 we are in arrears with and charges. he said he'll be into store tomorrow but can only pay the £53. his other 3 items he paid monthly on but since we've lost the tax credits and are awaiting on an appeal for his dla we can't pay full amount and are going to offer to pay £100 per month on those other 3 items plus pay the weekly £53 we pay. They're are going to hit the roof no doubt when he only pays £53 tomorrow. we won't be giving the stuff back as we've paid a lot out and a couple finish in a few weeks. be glad to pay every penny back and be done with.

 

Also how do I go about getting charges and insurance back as at one time we had all that before we got our own insurance as I'd like to try.

 

Hi beth0o0

 

Don't waste your time by going to them tomorrow with the offer as they will not take it, as this is what i did when i fell behind, and they would not take it, they wanted the full arrears paid at the same time, send them SAR for all the paper work they have on you, and then start claiming the charges and the insurance back of them, as there is no law that says you have to have the insurance, and they are breaking FCA Rules by making Customers take it out.

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Beth, have you made the complaint to the CEO yet?


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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Take a look at this, by right BH should take part payments

 

 

HIRE-PURCHASE ACT 1967

As at 30 July 2012

 

Appropriation of payments made in hire-purchase agreements

10. A hirer who is liable to make payments in respect of two or more

hire-purchase agreements to the same owner shall, notwithstanding

any agreement to the contrary, be entitled, on making any payment in

respect of the agreements which is not sufficient to discharge the total

amount then due under all the agreements, to require the owner to

appropriate the sum so paid by him in or towards the satisfaction of

the sum due under anyone of the agreements, or in or towards the

satisfaction of the sums due under any two or more of the agreements

in such proportions as he thinks fit, and, if he fails to make any such

appropriation as aforesaid, the payment shall by virtue of this section

be appropriated towards the satisfaction of the sums due under the

respective hire-purchase agreements in the order in which the

agreements were entered into.

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Sorry its took me a while to reply but my husband spent a few days in hospital with a suspected heartattack which turned out to be stress related and sky high blood pressure so just an update on what is happening.

 

I've sent letters and emails to CEO the FCA to complain. two weekends now including this morning they sent a member of the staff to my door from the shop asking if my partner was coming in to pay. he told them he will be paying the £53 but couldn't pay for the monthly items as we are struggling to pay or bring them up to date and offered £30 per month on the monthly plus the normal weekly payment for the other stuff. they have refused a lower payment offer again and want it brought up to date.

 

I think now its going to get worse and more home visits.

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You need to report them again and make a formal complaint about them coming to your home. If they continue to come when you have told them not to, then you have a basis for harassment and intimidation


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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two weekends now including this morning they sent a member of the staff to my door from the shop asking if my partner was coming in to pay.

 

This is YOUR home, YOU decide who you talk to on your own doorstep, tell them in no uncertain terms that they need to clear off YOUR property or you will have them removed by the police, then shut the door.

If they remain, call the police and report that you have someone on your property who won't leave when told to do so, and you believe they will cause a breach of the peace.

 

Instruct this parasitic outfit, in writing, that if they continue this method of harassment, you WILL seek legal recourse regarding their actions.

 

Keep a diary of events with regard to their criminal harassment with a view of taking legal action against them.

 

Just because they're dumb enough to refuse your generous offer of payment doesn't mean they're not greedy enough to take it.

If you can get their bank details then pay them like that, and if you have to go into their premises then DON'T get into any discussion with them about paying the arrears, just pay what you told them you would and leave.

 

What a truly vile little company, would love to see them go to the wall.


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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