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    • Hi, There is quite a lot regarding my current issues, I shall try be as clear and concise as possible. Dec 2008 - unemployed, applied for £250 credit card from Capital One. Jan 2009 - accepted for £1000. Credit card maxed in a matter of days mainly on gambling and drugs. Called after 5 months activation to remind them I was unemployed and the card was unaffordable. Some sort of payment plan arranged which was rarely upheld by myself, sporadic minimal payments. 2010 - credit limit raised to £1600 without my request. Again all spent on gambling and drugs. Vast proportion of spends on statement show gambling sites. Repayments often withdrawals direct from said gambling sites. 2013 - Mother pays off £1400, notes state student, zero income, unaffordable, mother cut up card. Me and my mother ask for account to be closed but this does not show in notes. Called back once to query any PPI. 8 months later promotional material sent to my door advising account has been upgraded, cashback offer, etc. I ticked the box and sent the form back. Requested new 'lost' card. Again spent completely on gambling £1600+. Many payday loans taken out to try pay back. StepChange charity seeked by myself and was paying them back. Had to cancel this repayment plan as I was again unemployed and it was unaffordable. Debt being chased by Apex. Debt returned to Capital One, they send a letter advising it is with them unless notified otherwise. 2016 - Debt sold to Cabot without notification. Apparently Cabot sent a Capital One headed letter through a third party printing company, which was not received. Oct 2016 - Dispute letter sent to Cabot. 2018 - CCJ issued. Call Capital One to request my application form as I was sure I was unemployed and thought I may need evidence for Court. Incorrect documents sent 7 times, speak to manager who suggests sending SAR and raised a complaint for me. Can't believe contents of SAR, various other complaints raised, investigated and rejected by Capital One. Clear written permission to take to Financial Ombudsman. March 2019 - Court, threatened with prison or full in AoE form. Form filled in. £50 a month taken from wages by Morgan Clarke. Disputes raised with Cabot, AoE eventually suspended. Query dispute letter with no response for over 2 years, CCJ is now offered to be removed but they intend to keep the AoE money and offer me minimal compensation. Now major issues with FOS. As some of the complaints relate to over 6 years ago, state they will not investigate, although Capital One have given consent for this, FOs believe this is not consent but a referral. Account balance stands at £1700+ although the value of account minus interest and other (some now illegal) charges, I work out £4.31. No fixed address, they have my mother's where I do stay sometimes, mainly stay at friends, sofa surf, etc. Lots more issues and lots of evidence. Don't know where to turn.  
    • Is there an angle regarding the Consumer Rights Act 2015 ("CRA")? Assuming it might be unfair for Royal Mail to hide behind not entering into a contract for the purpose of limiting their liability.   From 1 October 2015, the CRA covers all aspects of unfair terms in business-to-consumer contracts which had previously been covered by UCTA and the Unfair Terms in Consumer Contracts Regulations 1999.  It deals with implied terms in relation to the quality of goods and services, including digital content, and regulates attempts on the part of a trader to exclude its liability for breach.  The CRA also introduced a "fairness" test.  Any term which causes "a significant imbalance" in the parties' respective positions, to the detriment of the consumer and in a way which is contrary to the requirement of good faith, will be regarded as "unfair".   A term that is "unfair" is not binding on the consumer, and the consumer can treat it as struck out of the contract. The remainder of the contract will stand if it is capable of doing so according to the usual principles of severability.
    • scan or keep everything they have  6yrs. do not move without informing them.    
    • Just an update.. Final Payment was due 19.11.2019. Its now 18 days since then and no letters or mails. Not sure if they have given up or are spending time thinking on other ways to threaten... Thanks for following this and I hope it helps anyone else facing the same issues..   Rgds Tom
    • I did notice it wasn’t from the actual Solictors who sent the pap form
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frankiemoo12

compliance interview (allegation someone else is living with me??)

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Totally agree... it's just an informal interview. Anything you can provide which backs up what you have said here will help.

 

Thank you for popping back, SL. :)

 

HB


Illegitimi non carborundum

 

 

 

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Should I inform the baby's dad an allegations been made? Will he be called in? Would it look good if I provided documents from him To prove his address etc?

 

If he has his own address & you can provide that then that will be fine. At the interview you could offer to get a letter from him confirming that he lives elsewhere.

 

Try not to worry too much: most compliance officers are nice people. Sometimes they realise that you are not claiming all the benefits that you are entitled to.

 

Good luck with it - and your pregnancy x

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Please do not ask me for advice via PM as I will not reply.

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I went today and they says they tried to contact everyone who had appt today as the officer was off sick, they took my updated telephone number and someone will call to rearrange they said the two officers on today couldn't see me, is it wishful thinking they will forget if only that was the case.

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Sadly not, a new appt will be made


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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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It's been a week and had no contact from them will they leave it now till after xmas?

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It's been a week and had no contact from them will they leave it now till after xmas?

 

Highly likely. Or you could ring and explain that you want to get it over with and they might slot you in.


Please do not ask me for advice via PM as I will not reply.

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Hi ,

 

I've noticed many people saying how Lovelly the compliance officer was ,me included , I recorded my interview they were harassing me and on one phone call she said that it was about how I had been claiming severe disablement allowance and I should not have had it because I live with my carer ,

 

But when I went it was really about was I with my carer as in a relationship (it's my cousin 2nd cousin and not to mention he's 20 years younger than me !!) ,

 

She was very polite and very understanding about how I was disgusted about them even thinking that we would be together , at the beginning of the interview when I asked if it was about me claiming SDA and she said "we will get to that bit now" ,

 

Only after her asking loads of questions about me and my carer she finished up and I told her everything , she could see it was the truth ,

 

So at the end she said thats all done and got up so I said what about the SDA and she said "oh dont worry about that all that's sorted" ????

 

When I showed my cousin the recording which the officer I seen said that my cousin was asked the same questions ,

 

But my cousin was outraged he said he wasn't asked about that they asked him if he had been working 100 miles away and said sorry it must be the wrong person and kept asking strange questions like "do you wash your cousin in the bath?" And then "so how many hours do you work"??

 

So both interviews were really about if me and him were a couple , it's shocking to see the lengths they go to , If they had just been honest and said in the 1st place instead of wasting government money

 

By asking my cousin in first and lieing saying they have records he's working (which they said sorry our mistake) ,

 

And then have me go in they had even stopped my money until I went in , my money still doesn't go in like normal

 

Take today for instance my money was due in yesterday yet I'm waiting after 2 phone calls to them for them to ring me to do a faster paymemt , when i rang them it says on there screens it says "clerical error" !

 

So don't be fooled by them being nice with you its just a ploy cos they think your cheating the system , like you have stated you are innocent so you have nothing to worry about you just have to answer questions they fill out the form and that's it

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I had my interview yesterday as there was an alegation made that someone was living with me and they wanted details of my property I own.

 

As I had moved out the property in 2014 due to possible repossession and moved to a council property they were questioning if I ever let anyone stay there and receive rent

 

I let a friend stay there but never received any money, cut a long story short I am bk living there and the officer kept asking me so u haven't received any money for ur friend staying there while it was empty I says no, then at the very end she says an alegation had been made someone was living with u are ur previous a dress which is untrue then she asked is anyone living with me now again answered no,

 

at the end of the interview she said that this may not be the end of the matter and if anyone stays with me I must inform them even if it's for a night, she advised that she would pass on my statement to the council???? As she says if I did receive any money while friend stayed then I would have been receiving housing benefit when I shouldn't and she needs to forward the statement to council?

 

Is this the case? I thought it went to a decision maker with dwp??also at the very end she advised that I could get help with my mortgage and she would send me a form?

 

What is the procedure for after an interview????

Edited by honeybee13
Paras.

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Threads merged for continuity.

 

I've popped a few paragraphs into your last post, maybe if it's easier to read you'll get some more answers. :)

 

HB


Illegitimi non carborundum

 

 

 

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