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    • Just a quick one - I thought I was advised on here not to include an account number so as to not allow them to be pinned down one one account only?
    • You always ignore a dca  Do not ever engage At you door On the phone By email   Leave my property  Do not return Else ill call police 101  
    • Thank you, and I'm not doubting you but does this case not have much 'sway' if one was to make a similar claim:   The claimant was awarded £750 for distress for what the court held to be a minor breach.    https://www.hempsons.co.uk/news-articles/damages-distress-awarded-breach-data-protection-act/
    • For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Answer: 18th June 2019   2 Have you yet appealed to the parking company yet? [Y/N?]  Answer:  I haven't appealed yet.  If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Did the NTK provide photographic evidence?  Answer: It was Parking Charge Notice to the Driver.   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?]  Answer:  It was a parking charge notice and there wasn't any mention of Schedule 4 of the protection of Freedoms Act 2012.   4 If you appealed after receiving the NTK,  did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Answer: I haven't appealed yet.   5 Who is the parking company? Answer: MET Parking Services Ltd.   6. where exactly [Carpark name and town] did you park? South Ruislip ASDA, (840) Arla old dairy  .............................
    • So how come this is with and you paid a powerless dca? When was this?   And stop using emaul Writing only!!   So what is your actual problem? pra are still claiming you owe them money?
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    • 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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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • 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
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      so far so good.....
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      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
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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torch1

Need advice - £70k debt - should I quit DMP now?

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had response many a time on RM site they are useless take money and fail to obtain signatures, delivery by sack to many big companies so not seen by post van driver to get siggy- but also in all cases a letter back to me refering to my letter of xx xxx xxxx inst so they do get them.


:mad2::-x:jaw::sad:

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Thanks. So it seems that I will have to assume they have got them then! Not worth sending again non recorded I suppose.

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Yes you presume received.

Not your problem if Link don't provide the paperwork to Royal Mail for their systems.


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Have received a letter from IDEM Servicing regarding an MBNA credit card debt from 2005,

enclosing a copy of the original signed agreement with my signature and what looks like a fresh set of the terms and agreement with a footer dated the same month and year as the signed agreement.

 

The letter states, they have now fully complied with their obligations and the debt once again becomes enforceable.

 

Any advice on this?

I will scan it up in a new thread

but looks like it may mean I have to make a low offer of payment to avoid a CCJ unless I am missing something?

 

It seems I am getting back quite a few original signed agreement which is worrying me.

I expected from comments there that I was being cash cowed by these DCAs.

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lets see the return

they all have filing cabinets of fake paperwork.

start that thread


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blown up nice and big so we can look at the fonts on the print. Sometimes people slip up by using a font ro printing technology that didnt exist back then to make their reconstituted documents. that will give them something to think about if the same doument uses 2 fonts

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Capital One sent me back a copy of my original signed agreement (with signature) and what looks like reconstituted T&Cs. This is for a 2003 CC debt.

 

I have missed the last 3 stepchange payments now and today received a letter saying they have instructed Fredrickson International Ltd. to act on their behalf to arrange repayment (part of Lowells group)

 

Does this mean they have sold the debt on or just asking someone to act for them for the collections. Does this mean they are likely gearing up for a CCJ?

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acting for them at this stage, usual procedure from them. 2003 application form = no doubt was a foldover application with no terms and conditions present on inception, they would arrive later with a card, therefore possibly unenforceable>???

 

 

they no doubt later if the situation is the same = non payment then start default notices and termination then they would no doubt sale the account to some Debt purchaser (Lowells) for pennies in the pound read other capital one threads and get the idea of the way they work.


:mad2::-x:jaw::sad:

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what they sent you was small paper with top left hand side your name and address only?


:mad2::-x:jaw::sad:

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start another thread

scan it up


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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what they sent you was small paper with top left hand side your name and address only?

 

It was a single piece of paper. A copy of the application form, with my salary and signature and their signature. a small box at the bottom with CCA 1974 points on the bottom section. I will start new threads for all soon.

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It was a single piece of paper. A copy of the application form, with my salary and signature and their signature. a small box at the bottom with CCA 1974 points on the bottom section. I will start new threads for all soon.

 

not compliant :) Not even as a reconstituted agreement.


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

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Sounds good renegradeimp

 

Received a letter from PRA Group today offering a 10% discount to settle my account in full (for an old MBNA account).

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I have a question, today I received a letter from Capital One stating that the DCA who were acting on behalf of Capital One returned the debt to Capital One and will now be managed by Capital One.

 

What does this mean, why would the DCA return the debt?

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I have a question, today I received a letter from Capital One stating that the DCA who were acting on behalf of Capital One returned the debt to Capital One and will now be managed by Capital One.

 

What does this mean, why would the DCA return the debt?

 

Many reasons...not financially viable to chase.....something wrong with the paperwork......or Crarp 1 requested its return.

 

 

Andy


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Does that mean that the DCA (IDEM) did not purchase the debt, perhaps acting on commission instead?

 

Cap One might then try selling it on instead to another DCA?

 

Not sure if Cap On do CCJs?

(although this pre 2007 debt looks unenforceable to me)

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Does that mean that the DCA (IDEM) did not purchase the debt, perhaps acting on commission instead? Correct Cap One might then try selling it on instead to another DCA? Possibly Not sure if Cap On do CCJs? Only through a DCA after assignment (although this pre 2007 debt looks unenforceable to me)

 

Andy


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Received a letter from Robinson Way offering me a discount of 25% on a debt, followed by a letter 2 weeks later offering me a 49% discount on the same debt. (£1,100)

 

Would it be in my interest to bargain with them further or should I ignore?

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Totally ignore. Discounts like that 99.99% of the time mean the debts unenforceable. Especially with robbers way.


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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noway totally ignore


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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IDEM have instructed Wescot to act on their behalf for one of my debts (MBNA). Not sure if this means they are selling it or not. Should I reissue a CCA Request to Wescot now?

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IDEM have instructed Wescot to act on their behalf for one of my debts (MBNA). Not sure if this means they are selling it or not. Should I reissue a CCA Request to Wescot now?

 

Not if you have already sent IDEM one...Wescot do not buy debts...just chase.


We could do with some help from you.

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

 

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