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    • are all of these debt owners or were the original creditors aware of your current correct address??   bottom line ..have you moved since taking them out??  
    • AFIAK....there is no such thing as the 6+3yrs rule...………..   the 3yrs only runs from when you reasonably became aware...   now if the creditor wrote to you at the correct address..then so be it... if they didn't then the 3yrs has never started..?????    
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    • Hi Egawe and welcome to CAG   Firstly, can you please confirm the amount of the suggested admin fee as £12 is lower than previously and normally charged by Harlands/CRS.   Send the letter to Harlands offering to pay the missed fee but no more. As DX says, post the letter.   If they fail to accept the offer, cancel the DD mandate via your bank. And if they use the DD mandate to take any amount in excess of the monthly fees, you can reclaim this using the DD Guarantee Scheme.      
    • Hi All,   I hope I'm posting in the right place.     I have about £40k in unpaid debts (cards, loans etc).   They are pretty much all over £5k and nearing the 6 year since default time frame...   The first is into the final 12 months now... Capquest... £11k, they own the debt.   Ive been expecting collection efforts to step up as the SB line approaches with them all.     The situation is that I could pay these but call me morally bankrupt... Id rather eat you know what at this stage.   If any of the so called creditors look into me they'll see that I'm worth chasing.     Having nearly got to the 6 year since default period I won't allow a judgement to show for another 6 years.   How likely are they to try and get one?     With debts over £5k is small claims not an option for them and will it cost them more to take this to court?     My question is this....... They are offering obviously settlements for less.   Capquest 40% of £11K... Id hate to ignore all this and end up having to pay the full amount as they take it to court.... How likely are they to do this?     If they do will they still take a settlement when proceedings have commenced? (Hence nothing to lose by waiting).   Companies in question are: Intrum Uk Ltd Cabot Credit Management Group Ltd Aarrow Global Ltd    I just notice as I type that Capquest are not noted on my credit file and must be part of Arrow Global.... They have also made subtle threat on their latest letter with the wording "Our additional enquiries have indicated that you are a homeowner at the above address."   Most of the defaults were around 2014 for agreements taken out 2008 -20012.   Original creditors... Halifax, Tesco, Virgin Money.     In Northern Ireland so PAP doesn't apply I think.   Any advice appreciated. Regards Diedebtsdie              
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blueda

Chess Ltd and True Telecom

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ericsbrother, When you say deduct the line rental, do you mean going back to start of contract with True Telecom or when Chess took over or the final bill from Chess ?.

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from the final amount they are claiming for ending the contract early.

 

they are charging you for ther lost business up to a certain point in the future and you are telling them that they dont have to pay BT for the line as that has been taken from them by BT so it isnt a cost they have or will pay out.

 

If you retunred your car to a dealership you wouldnt expect them to tell you that you must continue to tax and insure it until next year would you?

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Thanks ericsbrother,

I will write to Chess and put that to them,

as i am paying rental now to Talk Talk who like Chess pay BT line rental,

 

Between the line rental deduction and unauthorised extras i have paid the final payment should be substantially reduced.

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Hi Folks,

I have been busy and did not send the letter to Chess as i had not heard from them since january

 

, now they have sent me another demand

 

i have written the letter tonight as follows

 

Dear Sir/ Madam

I left Chess months ago due to rampant price increases which were much higher than BT were charging me.

 

I am providing a list of unauthorised charges you have been taking from me and that i am looking for a refund on

Care level

Fraud monitor

Line assurence

Voicemail

Also line rental since i left Chess

Edited by dx100uk
Spacing

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so did you stop the d/d or have you been paying them blindly ever since your first complaint? if not why not?

 

Sitting on your backside for 6 months doesnt impress us, the more proactive you are the easier it is to kill these things.

When are you going to do somehting to help yourself is the big question. You run your own business so I cant accept that you are ignorant of what that entails, it is your job to know.

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I stopped the direct debit right away as soon as the new supplier took over,

Chess for a time were sending online requests for payment every month and then they stopped after january ,

 

I was hoping that they gave up and left alone.

 

The letter is now posted 1st class proof of posting, I am also going to call Chess to let them know that the letter is on its way.

 

I have called Chess and spoken to the person who will probably read the letter, so she knows what the letter is about and that it is on its way.

The Chess invoice is for early termination of contract.

 

I explained why i left Chess.

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When you receive their usual response.....here is your response.

 

Should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract. OFCOM guidance states that any Early Termination Charge that is made up of the entire balance if the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service.

 

Andy


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Thanks Andyorch I will use that to respond to the letter from Chess when it arrives.

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I have received

an an email from Chess which totally ignores the phone call i made and the letter that i sent which says pay up or legal action to follow.

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Pers i think its time to now ignore and bounce their emails?

Be the email doesn't say will anything


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.

 

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Hi dx, what do you mean bounce their emails ?

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Dont accept then

Block the address

Bounce emails back

Use a search engine!


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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Thanks dx,

 

The email is as follows

 

Pre Legal warning

Outstanding balance £500 plus

 

Please note your account has now been escalated to the Pre Legal department in respect of the unpaid balance to Chess Ltd which is now seriously overdue

 

you should contact 0844 or email prelegal to make payment or to confirm your intention with regards to this matter

 

The account will remain with the pre legal department for 10 days from today.

 

If the account is still unresolved it will automatically be referred to our Solicitors at which point it will enter a legal process incurring additional charges in accordance with the late payment of commercial Debts ( interest act 1998 )

 

Chess shares payment information with credit reference Agencies , failure to settle the balance will have detrimental to your credit score and rating.

 

Another option is to bring the services back to Chess in which case we can remove any termination fees levied.

 

I also earlier called Chess pre legal department and was told that they do have the letter that i sent in july regarding the unautharised extras and was told that Chess can off £85 off the balance, at which i said i have a much bigger financial issue with Chess and True telecom who sold the account to Chess and that is that i was paying way higher than to BT whom i left to go to True telecom.

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:mad2:stop ringing these people...

bounce the emails

block the address

 

writing only

 

lets see where they go.


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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Thanks dx, I am going to send Chess a final email and tell them correspondence by letter only and that their emails will be blocked.

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I have sent Chess a final email, I have stated that i will not be sending or receiving any further emails from them and that all correspondence to be in writing by postal service.

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I have not so far heard anything from Chess since i emailed them stating that correspondence to be in writing through the post.

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email was a free and easy way to try and fleece you out of money

now go back and look at their email addresses and block and bounce them from now on


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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Thanks dx , They can only reach me by writing to me now and if they do i will post on here for advice first.

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