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    • Received initial reply to CCA requests from Lowell in relation to the Cap One £4k and Argos Card.  Both are identical with exception of account information.   Do I now get my partner to stop the payment arrangement? 20201202-CCA Reply CAG.pdf
    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
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Thank you

 

My doctor gave me more antidepressants and some sleeping meds. I'll go for an evaluatuon and start proper therapy at a centre soon

 

However I am still panicky. Keep checking the news and local police website. I don't want them coming if I'm out with friends and I'm flying somewhere soon too. I feel like I ruined all those plans. The guys at the store were looking as if you can go but we'll hold of this and see you again later :( :( :(

 

I will try to stay calm and see what happens. I will update you again in a few weeks in case someone finds this relevant to their situation. I hope it won't be the case of me being made an example of and everyone wonders how it could even be.... :(

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I'm glad your doctor is helping. Don't worry about being in the news or the police website. Sad to say, you are not important enough to warrant any space and besides, the police do not know who you are and any news channel have bigger fish to fry.

 

Any time you need a virtual slap, you are welcome to visit CAG. We are not counsellors but some of us may have gone through what you are going through at the moment and they have come out the other side. You will too.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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But it could still happen right? There is a chance if they found the cctv after the incident and also have the credit card information?:(

 

The world 'could' end today. There are no guarantees however, my experiences on this forum have said that it is very unlikely anything will happen.

 

I will say this once more.

The store do not have access to your private details. They will NEVER contact you. The police COULD get your details from the Credit Card company but in my experience, they won't for the simple reason that what you did is so minor that they will probably state it is a civil matter and they only deal with criminal cases. The fact that you paid FULL price negates any potential civil action.

CCTV cannot cover ALL of the store and the chances of them viewing hours upon hours of footage is NIL.

 

Get on with getting better, put this matter where it belongs. As an afterthought. You can do it.

 

When you next go out, just avoid TKMaxx as their stuff is overpriced and not of the best quality. Primark is better!

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank you for being so supportive and nice to me.

 

I am absolutely terrified, mortified, every single day, every moment feel like I'm going to hear a knock on the door. I wouldn't know how to cope then, I really wouldn't 😢😢😢

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wont ever happen

 

 

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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Stop worrying about something that would never happen. They forgot about you as soon as you walked out of their door.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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