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    • Hi,   Not sure if this is the right part of the forum to ask this but I have a default on my credit report for an old HSBC current account dating back to 2015.  The default has been placed by Intrum Finance.   My question is that I thought a default is usually for something where a credit agreement existed?  Can they list a default for a current account where there was no agreement in place?   Thanks in advance,
    • and don't waste money on recorded delivery!! 2nd class stamp is good enough.   if you wish to do a budget sheet that's upto you but never fill out theirs.   and again if you want to send creditors that, its upto you but you do not have to give them any of your pers financial info NONE of their business esp a DCA!! only a judge can demand that info.    
    • But the 14 day cooling off period does not apply to you because your a LTD Company.....even though the charge is unfair there is no way around it B2B
    • Do not engage under any circumstances on the phone, they are trained to trick you into agreeing to things.   If everything is done in writing by post,    A. You are in control B. There is a paper trail, postal receipts etc for you to defend yourself if they ever do go to court.   Rent, Council Tax etc should be the only thing you care about and the rest of your priority debts. Nothing will happen if you stop paying the one's that are with DCA's aside from a lot of idle threats coming through your letterbox   As above with the CCA's for the one's already sold off, highly likely they won't come up with the goods. One pound a month token payment, jobs 'a good 'un with the Original Creditors.   Everything else in your budget goes to food and emergencies, not the above bunch of vultures.      
    • I have asked the company to cancel my finance within the 14 days and they are refusing to do so until I pay the cancellation charges which I don't agree with as I was advised that I could cancel.    They agree that I am allowed to cancel it as per the terms but won't do it till I pay their fee. I want to dispute this fee but don't want to end up with two finance agreements as I have bought car from other agent.    Are they doing anything illegal by refusing to cancel a finance document that legally I am allowed to cancel within 14 days? 
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im new and im so hoping someone could help me ,

im 38 year old woman and im actually scared everytime the door knocks or the phone rings ,

 

i lost my mother through breast cancer last week , i didnt pay ANY bills in fact i even got an £80 penalty because my direct debit didnt go through for tax on my car ! so i obviously didnt contact anyone

 

but these people at perfect homes oh my ,

they were ringing around 12 times a day (my brother took my mobile off me as i was in a mess)

 

well i finally plucked up the courage to ring them today and i explained that id lost my mother and asked if it was okay i pay £25 a fortnight for a few weeks as i have to pay towards funeral costs ,

she said to me first off :

 

"im sorry but the lowest we can take is £32" (which is £2 under my normal paying amount)

"you will have to come into the store or someone come out for you to sign some paperwork"

"we will need to see the funeral costs"

 

i burst into tears and said "do you seriously think im going to ask my dad for a copy of what i have to pay towards my mothers funeral"

her answer "yes"

 

i told her "no i will not we are still in a mess over this"

she said to me "well we will send someone out to you at 2pm tomorrow and they will come up with a solution for you"

 

what do i do ?

 

im in no fit state to see people i was hoping they would agree to the £25 a fortnight and i could pay online like before ,

i have 3 items with them and been paying more than the normal amount for over a year , they said i HAD to take out there cover for insurance :

ive worked out ive paid £158 just for this insurance i had to have "TAD" it shows up as on my summary page of whats due to be paid

 

i really dont want them to call out here tomorrow and i cant i just cant ask my dad for the funeral costs its hard to even type this let alone ask

 

any help i gladly appreciate

thank you

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Helpless Welcome to CAG!

 

Sorry to hear of your loss, Always very difficult when you lose a family member, especially such a close one.

Please dont be scared. What do you have from PH as products?

 

Can you tell us more about the agreements?

 

No they dont have to see funeral costs... etc .. .Plus Funeral costs wouldn't be down to you to pay as it would normally come from the estate.

 

And NO NO NO!!! They can't force anything to see any info etc. At this time, you should be treated as a vulnerable debtor and they are failing to do this.

 

You can be better than this with them. Take control, you call the shots, they do not.

 

Explain to them that is your offer due to the situation and if need be draft up a very basic I+E.

It may come in handy should you need to take this further.

If they dont play ball, you can also complain. But for now, lets help you get back in a better place! :)

 

Pay by Standing Order if required...

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Hi Helpless and welcome to cag, you are in the right place.

 

So sorry to hear if your loss and the insensitivity of the vultures that are PH.

 

First and foremost, PH cannot actually do anything, they cant enter your home, they cant repossess anything, they are not bailiffs and have no such powers, ignore them if they try telling you any different .

Do not entertain them at your door and if you can summon the strength, send them a letter demanding they dont call at your home and to keep any and all communication in writing.

 

 

I havent seen the PH online payment system but does it allow you to choose how much you pay or is it set at your weekly payment?


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hi

thanks all ,

their website allows you to see your agreements and how much you have paid

im so shocked at how much it says on one agreement £11 a week and £7.66 is for the credit and then £3.34 is off the item !

 

ive screenshot the payment button it says you have to pay a week at the least

and they're sending someone out to me tomorrow what should i do ?

 

ive uploaded the payment page on there site and

i rubbed the ID info as im not sure if im allowed to post it on here

 

pefect home payments.jpg

 

perfect home.jpg

 

perfect home33.jpg

 

my mum wasnt working only my dad was part time the dwp said they would pay a bit to help but my dad and all of us want the best for her so we will pay the extra

even me writing this in here just seems so unreal it still has not sank in ,

wish my mind would work properly i hate feeling bullied x

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my mum wasnt working only my dad was part time the dwp said they would pay a bit to help but my dad and all of us want the best for her so we will pay the extra

even me writing this in here just seems so unreal it still has not sank in ,

wish my mind would work properly i hate feeling bullied x

 

They are most effective (DCAs and Companies similar to BH / PH / BAYV) when you are feeling at your most vulnerable.

Ignoring all of this, The grieving process is tough. Have you sought help with the emotional side of losing your mum?

 

https://www.mariecurie.org.uk/help/bereaved-family-friends/dealing-grief/supporting-a-grieving-family-member-or-friend

 

by phone?

0800 090 2309

Calls are free from landlines and mobile phones. Find out more about our Support Line.

 

http://www.samaritans.org/

 

CALL US

116 123 (UK)

116 123 (ROI)

If there's something troubling you, then get in touch.

 

We're here 24 hours a day, 365 days a year. If you need a response immediately, it's best to call us on the phone. This number is FREE to call.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?381844-Harassment-Letter&p=4136657#post4136657

 

Visit the link above helpless, there is a template you can adapt there

 

Martin


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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thank you all i cannot thank you enough such wonderful caring people willing to help others i think is amazing x

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so ill ring them tomorrow and say for them not to come out and see me ?

if they ask why what should i say (the woman was not so nice on the phone today)

and what should i do next ?

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Ringing them wont get you anywhere, they will respond better to the written word


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Ok if you think you are up to it, could you adapt the letter and hand deliver it to the store in the morning?

If not, you could always be out when they call and post the letter.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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however

if someone does turn up

tell them to leave

or you'll call the police

 

 

they ARE NOT BAILIFFS

and have NO SUCH LEGAL POWERS

never ever discuss you debts over the phone

or

at your door

 

 

dx


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First of all, sorry to hear of your loss.

 

Sadly Perfect Homes are no different to any of the others.. Brighthouse, BAYV etc. Fortunately the Financial Conduct Authority have them in their sights and have recently dealt BAYV a huge blow - hopefully they will target the others now.

 

You do NOT have to open your door to any representative of the company, especially if you are feeling fragile at the moment. You could print/write your letter and simply pass it through the letter box to them.

 

As already pointed out - they have absolutely no authority to enter your home and if they threaten you in anyway (if they turn up) then you should immediately jot down as much of the conversation/their actions outside your home.

 

Report back to us after 2pm whether they turn up or not and we can then advise what you need to do next, if anything.


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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.

 

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If you have a smartphone film them through the letterbox to capture their threats, it would come in handy later. They cannot demand you stop.


We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Thread is 18mts old

Now closed to stop newbie bumping


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 623 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
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