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    • creditfix did him a favour!   there is nothing to complain about other than they encouraged him to blindly pay loads of debts , running the Statute barred date to infinity on debts that he most probably doesn't even NEED to pay and never did.   get him to ask himself this questions SD.   if he REALLY did owe the money WHY did the original creditors sell the debt on for peanuts to debt collectors (typically <10p=£1) and not take him to court and CRUSH HIM.   he has been cash cowed blind by the system for i bet 15+yrs any debt that is with a DCA tell him to STOP PAYING.   go back to his wife and tell her he made a mega mistake by going to sort his debts out as they were not owed in the 1st place.    
    • Need some help and advise on a pending court case between me and my commercial landlord.   For over 2 years I have complained of leaking roof and water damaged electrics resulting in no internal and external lights...efforts to plug the leaks have not worked, no fix on the lights also.  After pressure is put on the landlord to rectify faults he instead looks for breaches of the lease against me resulting in issuing me a section 146 notice.   My question is was he in breach of his own lease making the lease void?  or am I still accountable for accused breaches?  I am now faced with a huge bill from his solicitor for issuing the notice that they want to enforce even though I disagree with the breaches!   Is this allowed??
    • he owes at least  80/100k     Dont think he is paying anyone, he wants to do something about Creditfix though, they   seem be laughing and sweeping it under the carpet,  promised him the earth, he thought his life would get back on track.   Is there anyoone who he can take the matter  to? already  done an official complaint,    got reply  from that,  load of rubbish reply, .   He is in a mess, recently gone back to work after being furloughed since March,  that did not help re the split,  then the failure of the IVA really did it   FK, he works full time and has no clue about computers, I hardly see him tbh,    he was trying get his life back on track with the promise of the IVA, it is being left to me to relay things to him, he drives for a living as he is a delivery driver so can not use phone obviously    I think he wants to destroy creditfix like they have him tbh
    • You won't get a reply.  They will either take you to court or silently slide back under their stone - hopefully the latter!    Even if you hear no more keep all the paperwork, they have up to six years to bring a claim.
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
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      they said the dispute had been closed but Evans at no point had attempted a refund.
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      I’ve also contacted their customer service too
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      but up until the date I got the email they have not once attempted a refund .
       
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      I have even offered to have the full refund as a gift card just to get this sorted !
       
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      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


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Ok cheers shall I put copy of land registry document in with it? And do I need to list my last addresses since i left marital home. I had contact with welcome from the last address when I put last loan in dispute in April but haven't had anything since so they have not got my newest address

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might be an idea

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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Thanks again dx. You've been like a guardian angel. I will be donating after I get back from holidays. I can now go away without this playing on my mind over and over. You are worth your weight in gold as I know what a nightmare it was for me. :whoo::-):oops:

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  • 3 weeks later...

Hi little update on this.

 

 

I have recieved 2 responses off welcome a day apart with 2 different complaint reference numbers

the one focuses on the second loan ending in 769

none of the other pointers in letter I sent have really been adressed.

 

 

But they have asked for me to fill in a ppi claim form.

PDF Photos Welcome.pdf

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name on page 2 [atts removed]

as long as its IS the FOS CQ

then fill it out.

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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  • 5 weeks later...

Sadly nothing other than what can be expected.

 

Bottom line is you have the evidence and should you ever goto sell

I'd be advising your sols to ignore the charge

 

Can't see these new owners ever being able to enforce the charge now either

 

You could try the fscs and the FCA

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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I didn't put the mif down on the ppi claim form should I have?

As it just said ppi.

 

Go to the fos or fca regarding what bit?

 

Shall I wait for the ppi response to come through first

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let me read the whole thread again

 

bump if I miss you in the next few days.

 

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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Dx just a thought

I put the last account ending 84 in dispute back in march 2016.

This was well before I received a sar when in actual fact I requested a CCA on the debt they were chasing.

 

Unbeknown to me there were countless other debts before the one in 2008.

 

Are they actually allowed to sell a debt that was in dispute 6 weeks after it was put in dispute?

 

Just thinking about this whole welcome mess.

 

Just for you to know

I sent a debt in dispute letter back in March

after which they sent a demand for money

not a proper default letter.

 

After this I sent a cca request

they did not comply with this.

 

They wanted a signature.

I wrote back stating that the consumer credit act does not require one.

 

After this I received a sar did not request one.

 

Ain't heard a pip since April.

 

Does this make a difference to claim

do I put the claim for all loans or all the loans before the last one in 2008.

 

As I disputed the debt before I found out about all the others before

 

Here you go dx

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ideally they shouldn't but never seen anything done when they do do this.

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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Rule to themselves?? Not had any notice of assignment either. Weird bunch lo. Still leaves that charge ATM

 

Shall I start putting a spreadsheet together for all penalty charges from day one? You've done the spreadsheet for the last loan with regards to the Ppi and is it the same sheet I would use. What about the MIF and homecare and Medicare

 

What should I do next dx?

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i'd put in claims for the lot

 

penalty charges using the CISHEET

 

MIF and homecare and Medicare using the STATINT sheet.

 

they might be saying that they have some kind of special dispensation to not refund anything

but at the end of the day

the whole amount of the charge [which should be removed] is totally made of things that are reclaimable and unlawful

 

I would be involving the fscs and the FCA now on the whole debacle.

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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I'll get them reclaim sheets done today. The 8 weeks is up on sat re ppi complaint I believe will check that. Fscs about the reclaim and fca about the irresponsible lending is it? I'll post sheets here after I've done them. Cheers

 

Here goes.

Can you take a look please

 

https://1drv.ms/x/s!An17yDeDsY-ign9tnaq5xFQ5ZMlC

 

still saying invalid xlsx file when I try to upload

 

Here's the statInt sheet too. I've added the actual intrest here.

 

Have I done them both right

PDF Photos 17-11-2016.pdf

PDF Photos Wel.pdf

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save it as a .xls old version of excel

 

now why have yo included mif 3 times?

 

that's not how you fill it out

a copy for each mif and calculate it PCM every month same as the PPI

 

Here's the statInt sheet too. I've added the actual intrest here. Have I done them both right

2nd one is ok

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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I'm doing it on iPad.

 

Could that be the issue?

 

MIF was on different account numbers so separate sheet for each account?

 

Is the charges sheet correct.

 

Do I calculate the homecare and Medicare the same way as the MIF.

 

I ain't got a clue lol

 

MIF £1,108.79 120 months = 9.239 a month??

 

Put that in 120 times?

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you treat MIFS life etc as PPI

 

do the same thing.

 

charges is ok

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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Share on other sites

one sheet for each

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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yes

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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Whoop whoop!! Cant work out the rebate side or don't I add it? On loan no 2 health care do I add to this sheet or start a new one. There's ppi on here too but I think I'm your earlier posts you said there's no point in claiming that

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no you don't add the full rebate on..

you say 8.25 PCM

so do the calc

 

 

ppiPCM/fullPCMx100=%

 

 

the that % part of the rebate on the date the rebate was given

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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