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    • I agree that you certainly are going to need some proper legal help on this but it may be possible to analyse your story and to distil it to the relevant aspects. what you've written here is very heavy on narrative and I think that is part of the reason why it is difficult for people to understand exactly what the situation is.   I'm not saying that I can give you the answers but I will have a think about it it and and if I can get the time, I'll try and put a few points down tomorrow dash but don't hold your breath as to any dazzling insights!
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    • Lantern (QQ)   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.   27/08/2019   Particulars of Claim   What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £481.16 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 3.91% per annum amounting to £18.83   What is the total value of the claim? £584.99   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL   When did you enter into the original agreement before or after April 2007 ? After - 03/01/2012   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lantern   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (via email) from MMF with no letterhead   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Couldn't afford them   What was the date of your last payment? 25/02/2016 then again 01/06/2018 (yes a paid again when they chased me)   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - rejected my DMP for one I couldn't afford.   
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Speck1965

0844 Numbers, Rules Please?

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Hi,

I wonder if someone could clarify the rules on the use of 0844 numbers for calling customer services?

I thought the use of such numbers was outlawed in new rules that came about in June 2013 but I have been dealing with "Just Go Holidays" who tell me that the rules do not apply as tour operators are exempt.

Just so I don't go making a fool of myself could someone briefly outline the facts?

 

Many Thanks

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http://www.fairtelecoms.org.uk/consumer-contracts-regulations.html

 

 

 

Exemptions

 

 

The Consumer Contracts Regulations don’t apply to all types of company with the following being exempted:•financial services, including banks and insurance companies (now covered by an FCA rule from 26th October 2015)

 

•gambling

•construction, sale of immovable property and residential letting contracts

•package travel and timeshare

•roundsmen on a regular route

•purchases from vending machines

•single telecommunications connections such as public payphones and public Wi-Fi, including that provided in establishments such as cafés

 

 

 

http://www.soh.co.uk/will-your-08-numbers-be-against-the-law.aspx#.VjxVoJJFA5s

 

Does it apply to you?

 

 

If you're selling goods, services or digital content to consumers the changes apply to you.

 

Financial services companies are not affected by this change. But, the Financial Conduct Authority (FCA) is considering whether it could introduce similar measures for customers calling banks, insurance companies and investment brokers.

 

Currently there's no requirement for package holiday and timeshare companies to make a change either.

 

Some technical helplines may be exempt as well. This is as long as they're not using lines that customers are also expected to call to discuss problems with something that they've already bought.

 

 

Sadly it looks as though they might be right.

 

https://www.gov.uk/government/news/government-cuts-off-costly-calls


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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

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There are apparently sites that can offer alternative numbers for some companies, although that is not without risk.

 

Or you could try the following.

 

You could also look on a company's website for numbers that are meant for people to use if they're calling from overseas. Believe it or not, some companies now block these numbers if you're calling them from a UK landline or mobile. Alternatively, you could call a company's sales line, if it's free (and let's face it, they generally are as they want our business), and ask to be transferred at their expense.

 


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

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But that link says;

 

 

 

“We want consumers to be confident to shop with a range of traders. The new rights announced today will mean consumers are entitled to

the same level of protection whether they are purchasing goods or services online, at home or in a shop.”

 

How can they differentiate, have they a vested interest or shares in holiday companies.

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Thanks guys. Question answered.

Seems a bit daft that holiday companies are exempt, but it is what it is.

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Or you could try the following.

 

You could also look on a company's website for numbers that are meant for people to use if they're calling from overseas. Believe it or not, some companies now block these numbers if you're calling them from a UK landline or mobile.

 

 

Although presumably if you suppress your Caller ID they wouldn't know where you are calling from?

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