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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Lewt

Overpaid a Sainsbury's credit card debt, now can't get the money back

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I recently got into debt with Sainsbury's Credit Card. The debt was for £1280. I also had another credit card i needed to pay off, anyway, when i was transferring the money, I got the amount mixed up and ended up paying £2240 into my sainsbury's account via BACs.

 

I have spoken to Sainsbury's and they have now told me that the debt was moved to Westcot, who i phoned, however they said the debt hasn't come across and I need to speak to Sainsbury's recovery team, which i did after I could see the wrong amount on my online Sainsbury's account 24 hours after the payment. They said they couldn't see the payment.

 

Now the regular Customer service have refused to speak with me as the account has been passed over - although i have no idea who too.

 

Is there any suggestions people can give? I was of the understanding that regardless of it being passed over to a debt collector that I didn't need to engage with anyone other than the company the agreement was made with?

 

I'm just wondering what the best course of action (writing a letter I assume) is to close the account and get the amount that i's now in credit refunded to me.

 

Any help appreciated.

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First thin is to STOP talking to Wetcloths on the phone.

 

Deal directly with Sainsbury's, this is their responsibility.

 

Ideally you need to keep things in writing, so you have a paper trail of evidence, however email will be OK, and unless you can record your phone calls, then you may as well talk to next doors cat for all the good it will do.

 

Who is your bank?

You can do a visa debit chargeback with your bank to have that money refunded, and it can be done immediately.


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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I had nothing but problems when i started experiencing financial difficulties with Sainsburys, clearly they are still acting in the same way. I had a similar experience where money i had paid to Sainsburys had disappeared and i was being passed from them to the people they had sold the debt too. I had to exhaust their complaints procedure (despite them deciding to close my complaint without dealing with it and without informing me) and also contacting the FSO. I eventually got it sorted and managed to get £100 compensation from them and a apology.

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I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.

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First thin is to STOP talking to Wetcloths on the phone.

 

Deal directly with Sainsbury's, this is their responsibility.

 

Ideally you need to keep things in writing, so you have a paper trail of evidence, however email will be OK, and unless you can record your phone calls, then you may as well talk to next doors cat for all the good it will do.

 

Who is your bank?

You can do a visa debit chargeback with your bank to have that money refunded, and it can be done immediately.

I said to the person i spoke to at Sainsbury's that i didn't have to deal with a debt company, (the advisor didn't know who the debt collector was) but she was adamant that she wouldn't discuss it. This was confirmed by the manager an L Young. I should have recorded the call. The bank that transferred the money is not mine it was a friend who lent me the money, I would ideally like to keep him out of this situation now. I will put this into writing and see what comes back.

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I had nothing but problems when i started experiencing financial difficulties with Sainsburys, clearly they are still acting in the same way. I had a similar experience where money i had paid to Sainsburys had disappeared and i was being passed from them to the people they had sold the debt too. I had to exhaust their complaints procedure (despite them deciding to close my complaint without dealing with it and without informing me) and also contacting the FSO. I eventually got it sorted and managed to get £100 compensation from them and a apology.

 

they were claiming that they couldn't even see the account, let alone deal with it. It was a phone call i didn't need.

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make a official complaint, asking them where this money has vanished too, send proof that the money was paid to your sainsburys account and you want the balance to reflect this payment. Make sure you send anything recorded delivery and i would start a diary of events. Make yourself aware of their complaints procedure so that you can involve the FSO if they fail to respond. Dont make your complaint over the phone, it is too easy for them to not even log it. Everything in writing.

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make a official complaint, asking them where this money has vanished too, send proof that the money was paid to your sainsbury's account and you want the balance to reflect this payment. Make sure you send anything recorded delivery and i would start a diary of events. Make yourself aware of their complaints procedure so that you can involve the FSO if they fail to respond. Don't make your complaint over the phone, it is too easy for them to not even log it. Everything in writing.
:-

 

Adapt this letter and deliver to them:_

 

Dear Sir or Madam,

 

Claim under Visa Debit Card Chargeback Scheme rules: –

 

I am writing to you in connection with the Transaction by Debit Card in favour of xxxxxx on xxxx xxxxx 2015. I enclose the following documentation which provides details of the transaction:- see attached information:-

 

Using my Debit Card Number:-

 

In breach of contract it appears, since when the £xxx.xx an over payment to Credit Card has not been credited back to my account (which only shows as a debit).

 

The transaction was less than 120 days ago and accordingly, I am writing to request a refund of the above amounts under the Chargeback Scheme rules.

 

Having reported to a member of your staff the situation no solution was forthcoming to conclude the matter.

I look forward to your prompt response.

 

Yours faithfully,

 

xxx xxx xxxx

 

Attached:-

 

Copy of my Bank Statement showing transaction etc:-


:mad2::-x:jaw::sad:

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