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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Plusnet Broadband £30 Cancellation Charge -i want to end 12mts signup ontime


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I am approaching the end of my 12 month contract with Plusnet Broadband Service.

I wrote to Plusnet to let them know I did not wish to renew the contact for another 12 months

 

 

they have e mailed to say there is a £30 cancellation charge to disconnect the Broadband Service.

 

 

I cannot find any reference to this charge in their Residential Terms and Conditions.

 

Can anyone advise if this £30 charge is legitimate or are they just trying it on.

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I couldnt see anything in the t+c's relating to a termination charge.

What i did see is a final payment which is basically the remaining amount due under contract.

 

In short, if you give notice after 11 months, you will still owe the final month and will still be able to use the service until the notice expires.

 

Ask them for a pac code and port the number away, to a payg sim to stop them "forgetting" to actually cancel it.

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Ahh just realised this is home broadband? Yes?

 

I'll check again and be back

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The t's + c's are the same for home broadband, just ignore the pac code bit.

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They charged me when I left them for a cheaper provider earlier in the year. My contract with them had ended, I gave them my notice then I ended up owing them a Cancellation Fee. I made a formal complaint to Plusnet they then cancelled the charge.

:cool::cool: Blondmusic :cool::cool:
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ruddy fleecers.

 

 

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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Pretty much every ISP charges this when you terminate the service rather than using a PAC code to transfer to another ADSL provider. It's a charge because someone has to go to the Exchange to actually disconnect your ADSL. I think it's £30 from all of them and I believe the charge is actually set by BT Openreach since they carry out the work at the exchange.

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Thanks for the responses above. I am moving from the Uk and am unable to take up their service. I would have thought the end of contract cancellation charge should have been advised when I took out the contract with them. If I have to pay to cancel I will send in a complaint as "Blondmusic" did

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Hi

Plusnet are part of BT and are similar to other companies that charge this £30 fee. Where a customer is switching to another provider a MAC code is used although the customer never sees in nowadays as the companies deal with it them selves.

Where you are cancelling a contract with no new contract elsewhere, this 'fee' becomes payable. Argue the toss with Plusnet and see where it gets you.

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Hi silverfox 1961

I took out a 12month contract which is ending in a months time. I was giving them 30days notice that I would not be renewing the contract. I was not cancelling midway during a contract, the contract is ending.

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Hi silverfox 1961

I took out a 12month contract which is ending in a months time. I was giving them 30days notice that I would not be renewing the contract. I was not cancelling midway during a contract, the contract is ending.

 

I understood that. The issue is the £30. I can't see why they should be charging it in the first place. IMO it's just another money making scheme.

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I was told my by current provider that you no longer need a MAC code to change broadband supplier. When I pointed this out to Plusnet they then cancelled the fee they charged me. Here is the info from U Switch regarding changes to the rules that you no longer need a MAC code

 

http://www.uswitch.com/broadband/guides/mac_codes/

:cool::cool: Blondmusic :cool::cool:
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I was told my by current provider that you no longer need a MAC code to change broadband supplier. When I pointed this out to Plusnet they then cancelled the fee they charged me. Here is the info from U Switch regarding changes to the rules that you no longer need a MAC code

 

http://www.uswitch.com/broadband/guides/mac_codes/

 

The issue here though is that the OP isn't changing provider, they're terminating the connection altogether. This requires an engineer visit to the Exchange, which is why there's a charge.

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Plusnet have been charging this fee for cancellation for quite sometime so nothing new about it.

 

As have most providers (BT included). However, there is a way out: If you have been given notice of a price increase, you can terminate a contract without incurring a penalty fee.

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Just stop paying them at the end of your contrcat-cancel the DD and inform them that you are not transferring to anone else so what they do with the bits of wire at the exchange is up to them and nothing to do with you and dont expect you to pay for it.

If you had milk delivered by Unigate you wouldnt expect them to charge you £30 for not delivering milk would you?

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I cannot find anywhere in their terms about a cancellation fee.

 

I would ask them to to point out where exactly this term is.

 

I cannot see any other company apart from BT under certain circumstances making this fee either

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