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    • Randle Brooks,He Is well registered loan lender that is permitted to give out Guarantee loan to individuals and Business firm and also to anybody that needs financial help for more contact:Email: randlebrooks2000@gmail.com  WhatsApp Only:  +12676685789
    • Dear BankFodder, thank you.  I have to say that I did also fall into the category of "if we didn't accept mediation it would go against us in court" and to be honest I was happy with what we were awarded despite the fact that at the moment there is a serious doubt as to whether we will actually receive the awarded sum as we are unable to return the faulty item??   Please accept my ignorance but I am confused as to why this is anything to do with the Post Office as the claim is again Parcel Force, based on their T&C's when the contract was taken out with them.   With relation to the settlement agreement it clearly states on there that " the parties will keep the information contained in this agreement confidential and not use it for any other purposes"??   Thank you      
    • I have tidied and formatted the layout ...and a few typos.The content is really your own words and evidence in support of your initial defence and therefore is not nessessary to add any further.   regards   Andy
    • I'd appreciate a bit more advice on this complaint. After the non budge phone call they've actually emailed me this morning which I've copied below.  I have now complained to the fos but haven't heard anything from them yet. Should I respo d now to this email, and if so what should I write? Or just leave it now to the ombudsman?  Thanks again   Good afternoon   Further to your recent email, I have reviewed your comments about why you didn’t complain about your loans until now, and I need some more information from you. Please be aware that without speaking with you I may not have enough information to come to a conclusion as to whether or not the 3 year exception applies to your circumstances.   Please can you provide more information to help us understand what led you to make your complaint. Was there anything specific that triggered you to make your complaint? Please provide as much information as you can.
    • Considering the wear was on the inside tyre wall and not having a ramp or lift in my back pocket I unfortunately did not want to crawl under a car in a showroom. By the way no tyre kicker here, I did my research on the car I wanted and price I wanted to pay, found a dealer with good customer feedback and took the car for a test drive. All I did wrong was trust a car dealership and as you say maybe if they valued a customer they would offer to pay for the tyres, but I suppose we can put dealerships in the same boat as estate agents....blunt truth!
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
lynzfa

help with hellix needed asap

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I have recieved an email from hellix re a minicredit loan i took out over 5 years ago when i was married.it was a 200 loan now they want £1181 and have said they can come and remove goods from my property. As it is in my married name and not my name now are they able to do that?i dont know why they are saying i owe so much either

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and have said they can come and remove goods from my property.

 

Ha ha ha ha ha, that's the best laugh I've had all week!!

They seriously sent you that in an email????

 

Unless they have taken you to court, and obtained a judgement against you, and you have failed to pay what the judge ordered, and they have gone back to the judge to get their permission to enforce it by way of court certified bailiffs, then they most certainly CANNOT remove goods from your property. That's called theft.

 

Have you checked your credit file?

 

Have they bought it or are they simply chasing for their client, they're a NWNF debt chaser, so it is in their interest to lie, bully and intimidate and exploit a debtors lack of knowledge in order to stay in the game.

 

Can you screen dump that email and post it up on here?

 

The FCA and CSA, who they're members of would be interested in that empty threat of breaking into your property to steal your goods, not sure if the FCA should even allow them to keep their CCL.....??


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Our Ref: Hxxxxxx

Debt Type: KAPAMA CREDIT

Client Ref: OPxxxxx

Balance: £1,181.50

Telephone: 0203 096 5899 (Calls are recorded)

 

 

7 DAY NOTICE OF INTENT

 

Dear Mrs Lyndsay Mxxxx

 

Despite previous correspondence being sent to you during the life of your MiniCredit Debt the matter still remains outstanding, Hellix Ltd an FCA Authorised Debt Collection Firm has been instructed to Issue this NOTICE OF INTENT for non-payment, this will not affect the NOTICE OF DEFAULT that is registered on your Credit File by Kampama for non-payment of this long outstanding Short Term loan and preventing you from obtaining any further credit until paid.

 

The Notice is issued to make you aware we are finally starting the recovery procedure for the retrieval of our clients money and will advise them after the 7 days has expired on the possible action they will need to consider to resolve your debt this could include but not limited to;

 

STARTING LEGAL PROCEEDINGS

 

To obtain a County Court Judgement (Decree for Scotland) against you which if obtained may result in further legal proceedings to enforce the judgement debt. Some of which are;

 

Attachment of Earnings (Earnings Arrestment for Scotland)

 

If you are employed, money will be deducted directly from your employment salary to repay the Debt.

 

Charging Order (Inhibition Order of Scotland)

 

If you own your home, the debt will be secured against your home preventing you from selling it without repaying the debt first. A separate application could also be made to force the sale of your home to repay the debt.

 

Warrant of Execution (Decree Warrant for Scotland)

 

Goods may be removed from your home up to the value of the debt and sold at auction. If legal action is taken the total amount you owe may be higher than the current outstanding balance as recoverable cost and interest incurred during the legal process will be added to the debt.

 

We would like to advise you we are willing to offer flexible repayment solutions that will meet your budget. Where this is not affordable our agents will also discuss alternative options and help available for you. We can accept £827.05 in a lump sum payment to clear the debt. Please be assured that we will take your financial circumstances into account when discussing any repayment plan to ensure suitability and will always have your best intentions to heart.

 

Maintaining payments or settling your account will be positively reflected with the Credit Reference Agencies.

 

TO MAKE PAYMENT

 

All payments through the post should be made payable to Hellix Limited with our reference number clearly stated at all times. You can make payment by Standing Order, or if your bank account allows by On-line or telephone banking Quoting Account Number 08763317 Sort Code 09-01-28 and our reference number, you can also make payment at any Santander Branch with our above bank details.

 

Debit or Credit card facilities are available on 020 3096 5899

 

Yours sincerely

Mr Nigel Goddard

Collections Manager

Hellix Limited

6 St Margarets Business Park

Moormead Road

Twickenham

TW1 1JN

Main Line 0203 096 5899 (Calls are recorded)

collections@hellix.co.uk

http://mtrack.me/tracking/raWzMz50paMkCGZlAQD5AmZ5AQDzMKWjqzA2pzSaqaR9AQx3BGN2BQLzrKMurUMkCGRjAwL0ZwN1ZmZlCt

 

DPA Registration NO: 285 8625 Fully Authorised and Regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts. Full Permission Reference Number FRN690700 Registered Office 1 Golden Court Richmond Surrey TW9 1EU

 

Need Help or Advice

If you are in financial difficulty or are struggling with debt, you can get free advice and help by contacting National Debtline on 0808 808 4000 or Step Change Debt Charity on 0800 138 1111 or Money Advice Services on 0300 330 2222

 

Please note if you chose to communicate with Hellix Limited by email, unless you advise us otherwise, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collection activity, negotiations and other services and products. You may call our Head office on 0203 096 5899 during office hours to discuss your account.

 

Please consider the environment before printing this e-mail. If you need to print it, please consider printing it double-sided, reduce your carbon footprint.

 

Hellix Limited is a member of the Credit Services Association. The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts, debt recovery agencies, tracing and allied professional services and has a history dating back to 1902.

 

The information contained in this message is private and confidential and is intended for the addressee only. Any unauthorised use, disclosure, copying or alteration of this message is strictly forbidden and may be illegal. If you have received this message in error, please notify the sender immediately. Hellix Limited will not be liable for direct, special, indirect or consequential damages arising from any use or alteration of the contents of this message by a third party or as a result of any virus being passed on. Hellix Limited reserves the right to monitor and record e-mail messages sent to and from this address for the purposes of investigating or detecting any unauthorised use of its system and ensuring its compliance policies are adhered to.

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Standard garbage spat out by their computers, believe me when I say that they don't have your best interests at heart, far from it!

 

And paying this, or 'maintaining payments' will NOT be reflected positively on your credit file, that is a definite lie!

 

OK, the rest of it, read it again, and it doesn't say WILL anywhere, it says 'may', we will advise our clients who may take further action including but not limited to blah blah blah.....

 

The fact is, that Hellix cannot do anything, if Kapama credit want their money then THEY have to take action, all you have their is a missive printed and sent out by a computer in order to try and force you into paying.

 

And the fact that they are offering a discount, speaks volumes, there is clearly charges and interest which can be reclaimed.

 

IMO let it run, when di you last pay anything towards this?

And check your credit file too.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Standard garbage spat out by their computers, believe me when I say that they don't have your best interests at heart, far from it!

 

And paying this, or 'maintaining payments' will NOT be reflected positively on your credit file, that is a definite lie!

 

OK, the rest of it, read it again, and it doesn't say WILL anywhere, it says 'may', we will advise our clients who may take further action including but not limited to blah blah blah.....

 

The fact is, that Hellix cannot do anything, if Kapama credit want their money then THEY have to take action, all you have their is a missive printed and sent out by a computer in order to try and force you into paying.

 

And the fact that they are offering a discount, speaks volumes, there is clearly charges and interest which can be reclaimed.

 

IMO let it run, when di you last pay anything towards this?

And check your credit file too.

The loan was over 5 years ago so that was the last time they recieved any payment from me. I havent heard from them until now im not very good with emails or letters like this ao start panicking a bit.

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It's understandable to panic, I've only just started receiving letter from a DCA regarding an account, that I fully intend ignoring, but I'm mindful of how litigious they are, so a little cautious.

 

IMO, they realise that they've not long left to take action against you, so are simply rattling your cage to see if you're going to blink first.

 

What you need to ask and remind yourself is the fact that, if the OC wanted to get the money back, then THEY would have taken action against you well before now, not got some tin pot powerless gopher to do it for them.

 

Remember, Hellix don't own this, they are simply doing the OC's dirty work, and unless they get a payment from you, they don't earn any commission.

 

Stay Shtumm, and you'll either receive a weekly missive, with increasing threats, before they hand it back to the OC, to be flogged off as a toxic debt in a portfolio of other toxic debts.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It's understandable to panic, I've only just started receiving letter from a DCA regarding an account, that I fully intend ignoring, but I'm mindful of how litigious they are, so a little cautious.

 

IMO, they realise that they've not long left to take action against you, so are simply rattling your cage to see if you're going to blink first.

 

What you need to ask and remind yourself is the fact that, if the OC wanted to get the money back, then THEY would have taken action against you well before now, not got some tin pot powerless gopher to do it for them.

 

Remember, Hellix don't own this, they are simply doing the OC's dirty work, and unless they get a payment from you, they don't earn any commission.

 

Stay Shtumm, and you'll either receive a weekly missive, with increasing threats, before they hand it back to the OC, to be flogged off as a toxic debt in a portfolio of other toxic debts.

thankyou that makes me feel a bit better. I just didnt want baikiffs turning up n taking my goods. Coukd they do that anyways if thats not my name anymore anyways?

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Willy waving

Forget about it

 

Bailiff s can never be involved

Until its been to court

You lose

You fail to pay it

Then they might be assigned

But they can't force entry anyway

And the debt is regulated by the CCA anyway

 

Dx


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