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    • Mr Lee helped to grow his father's small trading business into a global industrial powerhouse. View the full article
    • So here's a thought:   The average age of someone dying of Covid-19 is 82.4.   The average life expectancy is less, at 81.4.   The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.   I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.
    • 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 
    • Freight industry body warns the lack of an agreement on tariffs could make things more expensive. View the full article
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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      You only have to look at TrustPilot to get an idea of what this company is like.
       
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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.
       
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      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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Finance U CCJ/CO - now paid by they want more interest?*** Resolved/ Refunded ***


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Morning

Well I'm back!

 

 

Surprise surprise I haven't heard anything back from them since requesting the over payment be paid back to us and the 14 days is up tomorrow.

 

So If I receive nothing tomorrow I should write them a letter, what should I put in the letter?

 

Would rather check with you guys in case I get it wrong

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How did you request a refund Michelle...letter or verbal? If letter what did you put in the letter?

We could do with some help from you.

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So no or else it will be followed by legal proceedings ?

We could do with some help from you.

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Okay so now you issue a LBA (Letter before Action)...basically the same as what you have already sent but it must finish with......

 

Failure to respond or comply to this letter within 10/12 days will give me no otheroption but to start legal proceedings in the CCBC Northampton for over-payment that you have refused to refund.Costs in the application and interest will be added to the claim for the period of the over payment.

 

You only send the above if you are willing to issue a claim..dont make an idle threat as they may still not respond.

We could do with some help from you.

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  • 1 month later...

Afternoon all!

Sorry for the delay, but we have been away.

 

Beginning of September I sent Finance U a letter threatening them with court if they didn't pay within 14 days the over payment that we had paid them...

 

 

...came home from holidays on Sunday and there was a lovely cheque for the requested amount including the 8% interest that I added as advised!

 

Thank you all so much for your help, couldn't of done it without you.

 

Just really annoys me off to how many people they have ripped off!

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nice one

ruddy fleecers

 

 

dx

 

 

 

 

 

 

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Please help.

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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Afternoon all!

Sorry for the delay, but we have been away.

 

Beginning of September I sent Finance U a letter threatening them with court if they didn't pay within 14 days the over payment that we had paid them...

 

 

...came home from holidays on Sunday and there was a lovely cheque for the requested amount including the 8% interest that I added as advised!

 

Thank you all so much for your help, couldn't of done it without you.

 

Just really annoys me off to how many people they have ripped off!

 

Excellent news Michelle

 

I will amend your thread title to reflect the outcome.

 

Please consider making a donation so we can continue to help others.

 

Well done and regards

 

Andy

We could do with some help from you.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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