Jump to content


  • Tweets

  • Posts

    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
  • Our picks

tedney

What Next?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1383 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

Any thoughts advice please. I am trying to keep "one step ahead"!

 

I have been making regular monthly payments to a number of creditors since June 2007.

 

 

The anounts were worked out with the help of a "debt assistance" organisation.

 

I have not missed any payments, and I get the "usual" (as others have on this excellent site) ocassional letters

and chasing up which I have been able to deal with OK.

 

On checking a free credit report today,

I note that a debit card company has just last month recorded a default on my file, whereas previously late payments were indicated.

 

I have never recieved any default from them.

 

 

I have received letters from a DCA, but no mention of default.

The last correspondence, dated after the default entry, was a settlement offer, which I cannot afford.

 

Should I be concerned?

 

 

Do you think they will now ratchet up correspondence and chasing?

 

Any thoughts and advice would be welcome.

Thanks

t

Edited by tedney
typo

Share this post


Link to post
Share on other sites

Since Early 2007 I have been paying monthly amounts on a charge card, following a debt arrangement plan.

 

 

The charge card company passed details some while ago (around 3 years) to a DCA who have periodically contacted me,

and ocassionaly offered reduced amount to clear debt, which I cannot afford.

 

During this time CRA's have been regularly reporting a "delayed payment" for this account on my file.

 

I note that this has now changed to a default, but I have not received any communication in respect of this from either the OC or the DCA.

 

As the title says,

anyone have any ideas/opinions as to what might happen now?

 

 

Apart from extending my "bad credit" file,

are there other implications and should I be doing anything to mitigate/pre-empt any actions that the DCA and OC might take?

 

 

I still cannot afford to pay them off, nor increase monthly payments.

Thanks

t

Edited by tedney
typos

Share this post


Link to post
Share on other sites

Hi-just out of curiosity whi is the original creditor and who is the DCA ?

Reason I am asking is that it will assist in answering your questions to know this.

 

Also you mention a debt arrangement plan-is this something you arranged or is it through a third party provider?


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites
Hi-just out of curiosity whi is the original creditor and who is the DCA ?

Reason I am asking is that it will assist in answering your questions to know this.

Amex and AIC

Thx

t

Share this post


Link to post
Share on other sites
Also you mention a debt arrangement plan-is this something you arranged or is it through a third party provider?

Through CAB. Payments have not been "officially" acknowledged by either party, and I do not recieve up to date statements.

t

Share this post


Link to post
Share on other sites

After 3 years its likely that the account has been assigned to AIC.

Have you ever asked for a statement of account to show the balance/payments made/fees and interest added ?

Under the OFT debt collection guidance you are entitled to this without charge.

On your credit file does it say when the default was registered-and who by ?

Also what is the balance outstanding ?

I think it would be a good idea to be asking for statements that cover the periods of your repayments so you can see whats what.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites
After 3 years its likely that the account has been assigned to AIC.

Have you ever asked for a statement of account to show the balance/payments made/fees and interest added ?

Under the OFT debt collection guidance you are entitled to this without charge.

On your credit file does it say when the default was registered-and who by ?

Also what is the balance outstanding ?

I think it would be a good idea to be asking for statements that cover the periods of your repayments so you can see whats what.

I occassionally receive letters from DCA, not OC, indicating a total balance due, which does reflect payments made, no charges or interest are being added. Correspondence from DCA says account is managed by them (not assigned?), payments are made to OC.

CRA does not say who registered, but was just done last week. Don't want to go into too many details as am aware of visitors etc to this excellent site! Balance o/s is below £K2.

Share this post


Link to post
Share on other sites

Ok understand.

Its normal for DCAs to offer early settlement discounts.

Its quite unusual though for an account of this age that has gone to collections to be still with the OC.

Given your circumstances and the outstanding balance,its not looking like theres any formal legal action in the frame-AIC know that a Court would probably only order token payments since its not as though you are denying the debt and was paying when in a position to do so.

Were there any charges on the account that you could claim ?

 

Some reading for you;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?80307

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?79026-Amex-and-AIC


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Share this post


Link to post
Share on other sites
Ok understand.

Its normal for DCAs to offer early settlement discounts.

Its quite unusual though for an account of this age that has gone to collections to be still with the OC.

Given your circumstances and the outstanding balance,its not looking like theres any formal legal action in the frame-AIC know that a Court would probably only order token payments since its not as though you are denying the debt and was paying when in a position to do so.

Were there any charges on the account that you could claim ?

OK thanks for that, and for the link on the next post too, I will look at later. Account was debit card, so was cleared each month until I ran into problems, there are just 2 return cheque charges of £15.00 each, then they stopped the account. I have not claimed for these, thinking that keeping a "low" profile might help. There was some indication and writing about "referral fees" but I wrote back and these were not added! Thanks again

t

Share this post


Link to post
Share on other sites

[ATTACH]24070[/ATTACH]

 

re defaults, i think this is still current!?


IMO

:-):rant:

 

Share this post


Link to post
Share on other sites

I had an Amex charge card and an Amex Credit card, both of which were "cancelled" by Amex in 2007

(in the case of the charge card 2 cancellation notices were received),

all without any Default notices being received.

 

 

The charge card was taken out in 1977 and the credit card probably sometime in the 1980s/90s.

 

They were cancelled following my financial difficulties.

 

Reduced monthly payments have been paid since.

 

AIC have regularly sent "settlement offer" letters for both accounts, which I have not been able to take advantage of.

 

The payment arrangements were made with Amex.

 

There are no insurances or charges on either accounts.

 

AIC are now requesting a review.

 

Having looked through a few threads on here,

 

 

would it now be prudent to make a CCA request and/or a SAR too.

 

 

Should both these go to Amex, or AIC.

 

 

AIC letters usually state that they are "managing" the accounts for American Express Europe Ltd.

 

Any comments/views would be welcome.

 

Thanks

t

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...