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    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
    • Late to this, sorry - my wife claims contributory ESA and got her P60 about two weeks ago. Now I know she's overpaid on her tax and I'm just waiting for HMRC (the department I currently work for) to figure it out. They owe her about £150.
    • World Bank President David Malpass says billions of people will have their livelihoods affected. View the full article
    • World Bank President David Malpass says billions of people will have their livelihoods affected. View the full article
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CarpMad72

Fidelite help

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Good morning all.

 

Only just came across you're very informative site this morning after receiving a hand delivered brown envelope from Fidelite telling me I need to contact them urgently.

 

I know I have old debts (credit cards, loans etc) from at least 8 years ago which I've not acknowledged all these years. Having moved several times in the last 8 years I've managed to avoid those chasing me for money.

 

I'm a little concerned about this company as I'd never heard of them before.

 

What is my best course of action as although I know not to let them in, I'm worried they may take my car. The car was only bought a few days ago for £2k and is needed for my 50 mile round trip to work.

Do they have the right to take it at all? If so would having the car transfered to my partners name help?

 

Thank you to anyone that can help with my situation

 

Stephen

Edited by honeybee13
Paras

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Sorry, just thought this may not be in the right section :(

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Someone with specific debt experience will come along later so monitor the thread. However, you say that you manage to avoid certain people who are chasing you for money. You should understand, that this website does not condone deliberate avoidance of debt. We happy to help you on your legal rights but other than that, if you have been deliberately avoiding making repayments to somebody to him you legitimately owe money, then it's not the kind of thing that you should be bragging about here.


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Sorry if it came across that I was bragging as that certainly wasn't the impression I wanted to give

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Fiddle It... (See what i did there? :D ) Are just Scotscall rebranded...

They are just doorsteppers that you can see off easily. Dont worry about the car and everything...

Safely ignore the threats. :) Youll see that when others come along that you dont need to worry.

 

As one of the other team says... Does it say will anywhere in the letter?

 

Plus you weren't bragging, you just panicked and people do weird stuff when the panic :)


 

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**Fko-Filee**

Receptaculum Ignis

 

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Thread moved to the appropriate forum.

 

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

 

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If you want advice on your thread please PM me a link to your thread

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Thank you fkofilee, that makes me feel a little easier. Hopefully a few others will also shed some light on this 'Fiddle it' as you call them LoL

Thank you also Andyorch for moving to the correct forum. I originally posted using my phone which made it a little less obvious where I should post my thread

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You can safely ignore fiddle it they have no legal power to do anything despite what they may tell you on your doorstep, their aim is to intimidate you into paying them money which you may or may not legally owe.

 

Should you receive a claimform from the court, then that you cannot ignore and should come back for help in how to deal with it.

 

Could you expand on what these alleged debts from 8 yrs ago please, safe for you to name the company, how much owed and most importantly, when you last paid anything towards any of them or acknowledged in writing that you owed them anything.


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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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Should Fiddle It doorstep you or call you refuse to say who you are and do not answer any 'security questions', ignore their demands on the doorstep and telephone and simply say 'communication in writing only'. When they ask for the address refuse to give it and put the phone down or shut the door. Remember Debt Collectors are not bailiffs, any intimidation from them is toothless and can and should be reported to the Police and FSA.

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So as long as I don't talk to them or let them in the house I'm ok then I gather.

So not worth the hassle of putting the car in my partners name then you think?

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You could let them int he house you could invite them for cuppa and share some stories, it wont make any difference. They are no different to a salesman etc...

 

You can turn them away with no consequences :) - they have no right to be hassling you what so ever :)

They are not a Bailiff and hare not appointed by the Courts. They are just a stranger who has no right to be hassling you.


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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as with any DCA they are not bailiffs

never can be and have absolutely no legal powers whatsoever.

 

 

you are under no legal obligation to discuss anything with any dca on the phone nor at your door

if they do show

ask them to leave your property or you'll call the police 101 line.


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.

 

 

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Thank you all for the help.

Having never dealt with people like this before it was a shock to have them contact me in this way.

I now feel a little more at ease if it was that they show up at the door

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Had a call off fidle it a while ago carpmad, told em to jog on and ain't heard anything since.

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Be aware that phone calls and door step callers that start a conversation with Mr ???? should always be answered with "who are you and what do you want?" and nothing else.

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What would I then say if they tell me their name and who they work for? Do I just deny knowing the person they ask for, or just shut the door?

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shut the door, you didnt invite them there and you dont have to talk to them. If they dont go away you are entitled to eject them from your property with necessary force. Reasonable force is for public places

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All they are looking for is a positive identity Carpmad. Don't tell em who you are and just deny it if they ask you "are you .........".

Then politely tell em to jog on.

Job done.

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