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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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Can someone help me please??


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Hi All

 

Does anyone know an email address or letter address which is the best to send my complaint about the CSA to?

 

I have been messed around by the csa for years the last one being the worse and I've had enough now I keep being lied to you can never talk to the same person twice they lie for fun they update the notes on thier system regarding your telephone call with nothing that was actually said it's horrendous

 

I've not recieved a payment since August last year and this is on a case with a attachment of earnings they told me the other child on his case (there are 2 mine and one other) the other parent has been overpaid they say this is why my payments have stopped even though he owes me over £4000 in arrears everytime I ring I am told different stories now they are telling me they have to get in touch with the tax office to find out where he works they know where he works it's on thier system

 

Believe me this is not all that's happened just a brief outline any help you can offer would be great

 

Thanks again

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Yes, it is possible. I'm struggling to find an up to date address to send it to, though. This form appears to be current - you may wish to call the number shown at the top of the form to ask for the correct postal address.

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  • 1 month later...

Hi Antone

 

Thanks so much for your reply

 

sorry to be thick but I am right in thinking you send the £10 fee?

 

I have rang these today and still they have not heard from the employers and still they have done nothing I am going to see if I can find someone to email first see where that gets me if not I will involve my MP

 

Thanks again

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I'm not 100% sure about the fee - the DWP, for example, doesn't actually charge for a SAR. I would probably send it just to be safe.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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I have been reading your first post again and see that you mention that notes made by the CSA do not seem to have any bearing on the actual conversation.

 

I realise it is a question of time - however, I have always found that once you have spoken to someone on the phone, it is a good idea to fire off an email or letter which says something along the lines of..

 

Dear Sir or Madam,

 

In respect of the telephone conversation I had to day with XX , below is my understanding of the outcome of that call..

 

My query/complaint was.... .

Your Representative has said.....

 

I look forward to hearing from you if my understanding in anyway differs from yours.

 

etc.

 

If you email - then obtain a read/receipt

If you snail mail, then obtain a free proof of posting.

 

Unless you have recorded your call with them and keep those records, then you are always going to be at the mercy of what they add to their notes their end and it will be a situation of he said/she said !

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Hi Citizen B

 

Thanks for reply you are right I will certainly be doing that in future but up to now I haven't stupid I know I am hoping when I SAR them the notes I receive will pretty much tally up with what I have been saying big hope I know but I will keep you all updated

 

Thanks again

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Not stupid at all, we genuinely believe that those we speak to on the phone will record conversations accurately - sadly they dont :(

 

 

Look forward to updates :)

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

1: How can BCOBS protect you from your Banks unfair treatment

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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I am due to see my MP next week about the spectacular failure that is the CSA, my ex partner owes of £5,000 and despite being caught working 3 times when he claims not to be their penalty is zero! I've just received a schedule of payment for £2.45 a month to pay off the arrears - they have said receiving any payment is better than nothing!! My son would have to live the next 170 years just to wipe out the arrears let alone the current award he's not paying!!

 

Good luck with your quest.

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I am due to see my MP next week about the spectacular failure that is the CSA, my ex partner owes of £5,000 and despite being caught working 3 times when he claims not to be their penalty is zero! I've just received a schedule of payment for £2.45 a month to pay off the arrears - they have said receiving any payment is better than nothing!! My son would have to live the next 170 years just to wipe out the arrears let alone the current award he's not paying!!

 

Good luck with your quest.

 

Oh my god!! I am so sorry you are dealing with this rubbish too but kind of glad I am not alone it's a joke the system stinks please let me know how you get on with your MP I have a suspicion I will be booking in with mine too in the not too distant future

 

All the best to you 😊

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Thanks again citizen B

 

I was wondering the only address I can find is a free post Wolverhampton address post handling site B As SAR,s should usually go recorded any idea what I should do?

 

Thanks again guys

 

I will ask for you.

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Ah, I see in post # 7 Antone has provided you with a form link that contains a telephone number - have you rung that ?

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

1: How can BCOBS protect you from your Banks unfair treatment

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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Ah, I see in post # 7 Antone has provided you with a form link that contains a telephone number - have you rung that ?

 

Ahh yes I forgot about that bit 🙈 I printed the form out and filled it in I will ring in the morning 😂 Sorry thank you again

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:thumb:

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

1: How can BCOBS protect you from your Banks unfair treatment

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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  • 4 weeks later...
  • 2 months later...

Hi all

 

Not posted for a while had a few other things to sort out as well as trying to sort this....I recieved my SAR paperwork all was ok couldn't really use it for anything but they know I have it now was hoping stupidly that would be enough

 

The complaints dept of CSA looked into my case and unbelievably tried to tell me the payments had stopped because they had to look into my complaint so I was being blamed for the delay....I still haven't received a payment in August it will be a year since the payments stopped my daughter has left college and started work so now it is an arrears only case they sorted out so they said all the overpayment with the other parent and I was told I would recieve £220 per month to pay off the over £4000 in arrears he owes the first payment was as before attachment of earnings should have been collected from his wages at the end of April to be paid to csa by 19th may then passed on to me I have rang this morning they have recieved no payment and nothing has been done about it

 

I am livid I am currently waiting for them to ring me back after "looking into my case" so annoyed they have told me several times my payments shouldn't have stopped or at least the monthly payment without arrears shouldn't have stopped but yet they did last August and never started up again I will message again when and if I recieve this call back

 

Thanks guys

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