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    • CPR 27.9 did the trick then....   Well done...thread title updated.   Please consider making a donation for all the assistance given.   Regards   Andy
    • Don't ignore. This is a bad idea. Start off by taking photographs of any signage and also of the non-existent barriers. Monitor this thread for more advice from others who are more up to date with the situation.
    • Ive recently parked in my local sainsburys where the parking gate arms werent lifting so theyve taken them away, im not a frequent user of the carpark but have received a penalty notice from horizon for not paying for parking. so i rang the shopping centre who told me that horizon have now taken over the carpark, how was i suppose to know thus was my reply to which hes told me they have w6 new signs in place which i didnt see. can anyone tell me where i stand im thinking of ignoring it as its not the council so so its not actually a fine? 
    • yes ignore everything end of   moved to the RLP forum
    • I was in a little bit of a rush when replying earlier, and seemed to have some formatting issues after saving the post.   I feel as though the 1 from both lists requirement they have isn't proportional, they've communicated with me at my current address for months, and have sent me utility bills to this address and account number. There's been no other issues with the exact same copy of my Drivers License when used for another SAR so i'm not sure that "can't accept it as it's not in the standard format" is really an acceptable excuse.   I feel that the only valid point that they have is asking if i could let them know why i wanted my SAR to be sent to a different address.   They still failed to reply within the 30 day timeframe so i think that regardless of what they've now said in their they are still in breach of GDPR.   I'm in over my head now and i'm not sure what action i should take or how to/if i should respond to them, now that they have finally replied.
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • 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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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • 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
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      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
tom100

Old minicredit debt now with opos/kapama

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I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months

 

it's now with opos/kapama

 

I have not paid anything or contacted them in nearly 3 years.

 

ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage

 

they sent me a statement

 

loan amount: £100

interest chsarges: £121

debt collection charges: £100

default charge 1: £25

default charge 2: £50

attempt charges: £685

 

i've paid £20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over £1000 for a £100 loan

 

i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies? especially if they dont hear anything from me. currently trying to sort all my debt problems out so....

 

what would you reccomend as my next course of action with this?

Edited by dx100uk
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I defaulted on an old minicredit loan in 2012 and the default is due to drop off in 2 months

 

it's now with opos/kapama

 

I have not paid anything or contacted them in nearly 3 years.

 

ive found a few emails in my inbox about the debt, most recently a few weeks ago telling me it is now in the pre-legal stage

 

they sent me a statement

 

loan amount: £100

interest chsarges: £121

debt collection charges: £100 [unlawful][

default charge 1: £25 [unlawful][

default charge 2: £50 [unlawful][

attempt charges: £685 ????[unlawful][

 

i've paid £20 towards the debt according to the statement through token payments (sounds about right) but the amount owing is still over £1000 for a £100 loan

 

i'm guessing as the default is dropping off soon this is the moment where they will try anything including a ccj to recoup some monies?

especially if they dont hear anything from me.

currently trying to sort all my debt problems out so....

 

what would you reccomend as my next course of action with this?

 

 

have you move since taking this out

email can be ignored and bounced back as unread and their Email AD blocked


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no i havent moved.

its an old email address so the emails arent particularly bothering me just dont want a ccj raised.

 

but also dont feel its fair paying back what they say i 'owe'

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Not the point its an OLD email

Its the point you are taking direct action they will see

They must abide by the new PAP rules before they can issue a court claim


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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