Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • was her cr edit fi le shot anyway when she took this loan out?   dx  
    • in this instance DCBL are operating as mere powerless debt collectors, a DCA.   a DCA are NOT BAILIFFS and have  ZERO legal powers on ANY debt no matter what it's type.   if their client really had a debt in your name, they'd contact you themselves.   as long as they know your correct address it is safe to ignore silly threat-o-grams.   and tell the others that too.   dx      
    • Hello all.  I'm looking for some advice if I may.   I received a Notice of Debt Recovery dated 26th May from DCBL relating to an alleged debt of 71.08 that apparently I owe to East London Energy/Engie. The problem is, I don't recognise the debt at all and when I moved out of the property I lived in which was served by ELE/Engie, my account was all up to date as I pay by direct debt. I even left them with my forwarding address, which they still have on their records and the closing bill was sent to that address.   DCBL are saying that ELE have sent me correspondence about this debt that I've failed to respond to. But the first I have heard about it is the DCBL letter itself. It's totally flummoxed me.   Here's the problem though, ELE never, and I mean, never, answer their phones. I have called about 30 times, no word of a lie, every day since receiving their letter. Not once have I got through to someone. They're not responding to my emails either.    On the local residents group on facebook there loads of households moaning about the same thing. Lots of them have received these letters, some have managed to get through to speak to someone, some have been told it's an error, others have been told 'you owe the money, tough pay it'.   Everyone is complaining that they can't get through to ELE to speak to someone. I don't know what to do.   Apparently if I don'y pay DCBL by 10th June they will review my case for legal recovery. It all seems desperately unfair, especially when I was the one who was informing ELE when they messed up their billing or failed to take a direct debit. I'm scrupulous about my bills. If I genuinely do owe the money I would have gladly paid it, but I just can't understand where this alleged debt has come from.    Does anyone have any advice? I'm at a loss but really don't want to pay DCBL for this debt I have no knowledge of and their added administration fee. 
    • Hi all, I hope you are all well in this strange time? I'm trying to assist my cousin in a complaint that she has with the PDL Uncle Buck, and I've reached a stumbling block. Loan Amount:       £400 Charge for Credit: £350 Agreement Date: 05-Oct-2018 Disputed Balance: £276.79 From initial information I've seen it's been a comedy of errors with there administration side, but for her, misery. Original Payment schedule sent out to her started from 26.03.2019 - she questioned this. They never replied, so took it as that was 1st payment date. 7th Nov 18 she gets a Missing payment and a charge. Questions this, they adamant charge stands as it was a clerical error, she again disputes. 3 weeks of in arrears messages, they eventually agree to refund £15 - but now insist on I&E as she missed the payment - no change in circumstances. She asked for 3 days grace til payday. No reply.  Default notice issued. This eventually gets it self sorted and they missed payment was factored into the remaining. Dec 18 her fiancee passed away, no way to afford the payments & funeral costs until insurance settles  - UB continue to harass despite telling them the issues. Some how she finds the cash an pays something towards the balance, just to stop the harrassement. She loses her job in Feb 2019 - informs people she owe money to, that now on uni credit. UB state that if she pays x amount they can do a payment plan as she's already in arrears. I told her it's against FCA Conc regs, she emails them - nothing back. No chase emails / calls or anything till end Apr. Settlement offer - pay £355 and we will take care of the remaining balance of £535 she emails them to say she can afford £50 pcm based on the the settlement - they agree. August she gets a statement, remaining balance £235 - they had not used the settlement figure as this was to be paid in full only and also incurred missed payment charges(?) I write an email for her email requesting DSAR etc sent on 1st Sep - acknowledged 10th Sep - info sent through 10th Oct - Account was placed on hold from sept til receipt of DSAR. DSAR shows - comment of being financial difficulty, on UC, payment schedule - 9 call attempts, 4 CPA attempts (she requested this to be cancelled 2mths after taking out loan) list of charges and interest after being informed on UC and put into payment plan. Complaint goes off - complaint partly upheld - £235 still outstanding. Complaint again. Account on Hold again. Fast forward to Jan 2020 - Complaint still being looked into will have response within 6weeks.. Email received - Settlement remaining Balance £320 (they added further charges!) can do 40% settlement in 2 payments. Email goes back stating it's under investigation, would accept £150 settlement but over 5 payments. No reply. 21st Feb - Email Settlement remaining balance £276.79 - can offer settlement figure of 195 but require a payment of £55 within 3days --- this is still despite her being on UC and no reply to settlement. She replies - stating can not afford £55, can do £10 pcm to settle. - They accept, but the balance is now 266.79 and not the 195. No acknowledgement. Payment schedule issued for 10pcm totaling 266.79 -- questioned again - no reply or acknowledgement. March - she notices that UB is no longer on one of her Credit Reports. I told her to check Credit Karma & Totally Money - Both show that they are marked as "Settled"  £0 balance from 03/03/2020 So left it as that. May she gets a call from UB collections, chasing £266.79 as she's defaulted again on her agreement (note - they've never acknowledged any questions) - she informs them that as far as she and her credit reports are concerned she owes nothing. Also stated that even if she did - it should be written off, incorrect balances and reporting and as it's gone against CONC where they insisted on a Payment to set up a payment plan. Person raises a complaint on her behalf and said she is going to get the Credit reports amended as it was a clerical error. 26th May - Sum Of arrears notice " On 05-10-2018 you entered into a fixed sum credit agreement with us under which you borrowed £400.00 repayable by 6 monthly instalments. Your arrears under the loan agreement The opening balance (which is the total amount that is due and owing under this agreement) at the date of the previous Notice of Sums in Arrears (dated 26-11-2019) that we sent to you was £318.27. On this date, the payments that you had failed to pay when due under your credit agreement amounted to £259.29. We are required to periodically send you Notices of Sums in Arrears, at intervals of not more than six months, while you remain behind with the repayments due under your credit agreement. The balance now due under your loan agreement on the date of this notice is £266.79. The total amount of your arrears (the sums that you have failed to pay in full when due in accordance with the terms of your loan agreement) is £207.81" 29th May -  We acknowledge your complaint and are sorry to learn you are dissatisfied with our service. Uncle Buck Finance LLP T/A Uncle Buck (the Partnership) was placed into Administration on 27 March 2020. I confirm that Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery & Insolvency (London) Limited were appointed Joint Administrators of the Partnership. They are licensed to act as Insolvency Practitioners by the ICAEW. They are bound by the Insolvency Code of Ethics when carrying out all professional work relating to an insolvency appointment. Today - Final Response:   How Uncle Buck understands your complaint You are unhappy that according to your credit file the balance of your loan had been settled and now you have been advised this is incorrect due to an error made by an agent. Our Investigation and outcomes  An email was sent to you on the 21/2/20 offering a settlement figure of £193.75 against your outstanding balance of £276.79 and that if accepted this would close your account. We advised that we needed a payment of £55.35 to hold this settlement offer. You responded to the email the same day advising that you were unable to take advantage of the offer and asked if we would accept your original offer of £10 per month. We responded on the 24/2/20 asking you to complete an income and expenditure form. This was sent back to us the same day. On the 25/2/20 we advised you that we accepted the offer of £10 per month.  You then responded with the date you would be making the payments, confirmation of this was sent on the 26/2/20.  You then queried the amount outstanding; Claire then spoke to you to discuss why the balance was not the £193.75 as this was a settlement offer. < She has never spoken to anyone about this. -- the person who raised the complaint said an email was sent out! As previously advised the agent who made you a partial settlement offer on the 21/2/20 made an error and added a code to your account which meant that your credit file was shown as partially settled. This has now been corrected. I apologise that this error was made and will be upholding your complaint.  However, I can not agree to write off the balance due to this error.   At no time did you receive correspondence from Uncle Buck advising that your balance had been paid.  You were advised on several occasions after this date what the balance was and a payment plan was agreed. Please contact our collections department to discuss the arrears on your account by the 11/5/20.  If no contact is made then collections activity will commence and your account will be removed from write only. This is our final response. Please note, any complaints raised to the Financial Ombudsman Service (FOS), will be directed to Harrisons Business Recovery & Insolvency (London) Limited.  They are no longer dealing with any complaints raised for the Partnership. And that's where I come to a block - they are saying that FOS will not deal with this complaint, really do not know what next steps are for her to get this resolved. Am I correct that they should not be asking for a payment to agree a settlement especially when someone has declared financial difficulty Any advice would as always be grateful  
  • Our picks

moneydragon

Very want to Default me - even though in an arrangement - please help

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1293 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

Recommended Posts

Due to partners ill health and not entitled to any benefits - that's another issue,

 

So with just one wage I have set up some agreements with my creditors and for the past 12 months have been honouring the payments. However, I have just received a default from very demanding £450 by the 28th which I simply cannot afford.

 

It states that if I don't pay by that date then they will demand full payment of £650.

 

Please help as I am worried that they will then just issue me with a ccj.

Share this post


Link to post
Share on other sites

I expect that DX will be along later to give you some more specific advice. However, I think that you will need to give us more information about all of the debts. Who are they with, when where they incurred and so forth. In respect of the demand from Very, did you have an agreement with them or has this come out of the blue?


Share this post


Link to post
Share on other sites

Thanks for your reply bank fodder. I have two other debts both credit cards and very all agreed last year after submitting an income sheet to a payment plan which I have been honouring each month. Last month I received a letter from very wanting payment which I went back and said that my circumstances remained the same. Heard nothing until this default arrived.

Share this post


Link to post
Share on other sites

They can't just issue a ccj when they issue a default. There's a whole lengthy procedure they have to follow


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

Share this post


Link to post
Share on other sites

So I understand that you entered into an agreement with Very by which they would accept instalments. You have stuck to the agreement but despite this, they are now trying to renege on the agreement with a demand for a lump sum payment and a threat to pursue for the total. Is this correct?


Share this post


Link to post
Share on other sites

Yes bank fodder that is correct although they did say at the beginning that they would review in 12 months which they have by trying to get more and then issuing a default.

Share this post


Link to post
Share on other sites

Please have a look at this http://www.consumeractiongroup.co.uk/forum/showthread.php?426145-CONC-7.12-Lenders-responsibilities-in-relation-to-debt-including-DMPs

 

I think that you need to find out the definition of a "debt management plan". Your problem find it is in the CONC regulations. You are entitled to do on your own behalf. You don't need to do it through some third-party organisation.

 

It seems to me that you should then call Very's attention to the fact that you are involved in a debt management plan and they have agreed to take part and if they now refuse to continue engaging on it, they will most likely wreck the plan.

 

Tell them that if they refuse to cooperate then you will consider that they are in breach of their statutory FCA regulations under CONC, particularly 7.12 and that you will make a complaint about them and also you will rely on the FCA regulations as part of a defence and also a counterclaim if they carry out their threat to pursue you for the total.

 

Tell them that you want a proper response or else you will begin a formal complaint to the regulatory authorities.

 

We'll see if that makes any difference to their attitude. Please keep us informed. This would be the first time that this approach has been tried and I would be very interested to see how it works.

 

Apart from that, I hope that DX or someone else will come along and discuss with you the validity or otherwise of your debts. Do you know if any of these alleged debts are comprised of charges at all?


Share this post


Link to post
Share on other sites

Ahh thanks bank fodder very much appreciated, I will get on with it today and keep you updated

Share this post


Link to post
Share on other sites

I would guess that this is in preparation to them selling the debt on.

 

 

so equals something dodgy about it one way or another.

 

 

I assume the debt is ofcourse showing on your credit file?

 

 

when did you first take all this credit out please..

 

 

as advised more details.

 

 

very are quite entitled to default you sadly even if you are in an arrangement.

you are not paying the required payments.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I opened an account with Very about 4 years ago.

 

 

Whilst I accept they are entitled to default me,

it was their tone and demand for £450 without acknowledging the arrangement and failing that full payment of £650 that has thrown me.

Share this post


Link to post
Share on other sites

Yes – they are entitled to default you. However, I think it would be very difficult for them to change the instalment plan – or at least to vary it significantly. Also, I think that in your letter to them you ought to point out to them that if they sell the debt on, that they are obliged to sell it subject to the existing instalment plan and that you will flag this up to whoever might own the debt in the future and that you have already warned them about their behaviour.


Share this post


Link to post
Share on other sites

I have just checked my account online and I am not paying interest.

 

 

I have also noticed that there is an e-letter with a heading

"please contact Nationwide Debt Recovery.

 

 

At the moment I am unable to open as it keeps saying pdf download unsuccessful and I have the app installed

Share this post


Link to post
Share on other sites

NDR are very [shop directs] fake internal DCA

so I wouldn't worry too much.

 

 

as the account is from 4yrs ago itll be enforceable

but there might well be penalty charges?

 

 

have you all the statements?

 

 

have you checked your credit file?

I suggest this is already defaulted ?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...