Jump to content


  • Tweets

  • Posts

  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
blackrain

DCA want income and outgoings. No right?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4577 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have made an offer for a payment plan to a DCA. They want my income and outgoings. My understanding is I don't have to give that to them.

 

They have alreday threatened court action (for a debt they don't own) and to pass my details to a debt investigation agency (they don't have my permission to pass my data on).

 

I want to make it clear I know my rights so advice on the income/outgoing would be appreciated. Thanks!


[FONT=Arial][COLOR=darkgreen]Barclays - [COLOR=red]settled [/COLOR]and about to claim charges since then![/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen]Morgan Stanley - defaulted on CCA request - ball is in their court[/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen]Birmingham Midshires - starting claim 1st March £3000+[/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen][FONT=Arial][COLOR=darkgreen]MBNA - Settled in full[/COLOR][/FONT] [FONT=Arial][COLOR=red]Amex - CCJ issued against Amex and full refund taken by Bailiffs - cheque received eventually![/COLOR][/FONT] [FONT=Arial][COLOR=red]Marbles - Full settlement[/COLOR][/FONT] [/COLOR][COLOR=red]Capital One - Received full amount plus costs[/COLOR][/FONT]

Share this post


Link to post
Share on other sites

Firstly it would depend if the debt was yours.

Share this post


Link to post
Share on other sites

As you have now offered a payment you have aknowledged the debt.

 

It often helps to include an I&E but their is no legal requirement.

 

"I am under no legal obligation to provide you with documentary proof, however this will be made available to any court should they be required.

 

I am well aware of my rights in this matter and will not be subjected to bullying, threats or underhanded methods. I would remind you that the offer made to you is with the help and guidance of the CCCS, and is on a pro rata basis as used by the county courts. My finances are being reviewed on a regular basis and the pro rata payments are subject to change.

 

I am unable to provide copies of the documents you may require as these amounts are paid into my bank, and I do not have the facility or finance to copy any documents. The originals, will however, be made availble to any court should they be required. "

 

Hope this helps.

 

Regards....Turnaround

Share this post


Link to post
Share on other sites

They have alreday threatened court action (for a debt they don't own) and to pass my details to a debt investigation agency (they don't have my permission to pass my data on).

 

 

If they are the DCA - what in heavens name is a debt investigation agency - you've admitted the debt so umm what are they investigating actually?


Consumer Health Forums - where you can discuss any health or relationship matters.

Share this post


Link to post
Share on other sites

A DCA, to legaly process your personal data has to have your writen consent as it can't be transfered from the original agreement.

Share this post


Link to post
Share on other sites

Thanks. This is what I thought. The way I see it is if they don't like the payment I offered they can get the original creditor to initiate court proceedings. I don't have any more money so it makes little difference to me.

 

I'm not with CCCS or anyone but I think I will go and have a word with CAB. I sent my first cheque with payment plan which they cashed practically instantly and I think if I stick to the plan I suggested it will at least show the court I am trying to pay the debt off.


[FONT=Arial][COLOR=darkgreen]Barclays - [COLOR=red]settled [/COLOR]and about to claim charges since then![/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen]Morgan Stanley - defaulted on CCA request - ball is in their court[/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen]Birmingham Midshires - starting claim 1st March £3000+[/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen][FONT=Arial][COLOR=darkgreen]MBNA - Settled in full[/COLOR][/FONT] [FONT=Arial][COLOR=red]Amex - CCJ issued against Amex and full refund taken by Bailiffs - cheque received eventually![/COLOR][/FONT] [FONT=Arial][COLOR=red]Marbles - Full settlement[/COLOR][/FONT] [/COLOR][COLOR=red]Capital One - Received full amount plus costs[/COLOR][/FONT]

Share this post


Link to post
Share on other sites

gizmo, I have no idea what the 'Investigation Agency' was. They just listed 3 things which were obviously supposed to scare me.

 

1) court action - I said you don't own the debt so you can't.

2) send someone round - I said so?

3) investigation agency - try passing on details and you will be chatting to the information commissioner.

 

I owe the money I will pay the money but don't treat me like a monkey :rolleyes:


[FONT=Arial][COLOR=darkgreen]Barclays - [COLOR=red]settled [/COLOR]and about to claim charges since then![/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen]Morgan Stanley - defaulted on CCA request - ball is in their court[/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen]Birmingham Midshires - starting claim 1st March £3000+[/COLOR][/FONT] [FONT=Arial][COLOR=darkgreen][FONT=Arial][COLOR=darkgreen]MBNA - Settled in full[/COLOR][/FONT] [FONT=Arial][COLOR=red]Amex - CCJ issued against Amex and full refund taken by Bailiffs - cheque received eventually![/COLOR][/FONT] [FONT=Arial][COLOR=red]Marbles - Full settlement[/COLOR][/FONT] [/COLOR][COLOR=red]Capital One - Received full amount plus costs[/COLOR][/FONT]

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...