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    • £3000* as your contribution (Excess) to the sum insured.   If you are on fully comp. you’ll get your repairs, their repairs (and costs) and have to contribute £3k*.   If you are on 3rd party (fire & theft) you’ll get their repairs (and costs) and have to contribute (£3k* AND all of your repair costs), [unless you don’t want your car repaired when you’ll just pay the £3k*]   * £3k if the total exceeds £3k, the tot value of the claim if the claim doesn’t exceed £3k : why it  is important to find out the value of their claim and if their claim is appropriate or inflated.
    • I think you're conflating the discussion with your own view of what open borders means.  Obviously I don't think it's sensible to allow people to come to the country and claim whatever they can - They can't even do that now.  If they have a job, and are able to support themselves then that is what I would say is fair enough.  The real issue with selecting who comes to the country is that you can't devise a system that selects people fairly, and it would need some human intervention down the line.  How do you decide who is of benefit to the country etc.. I think if we go down that route, that is where I feel uncomfortable.  Even if we adopted an Australian points based system it wouldn't reduce immigration, and the hole notion of only allowing people that earn above a certain sum of money to come to the country is plain silly - As if the amount of money someone earns is the mark of their character.  And as we know, we rely heavily on low skilled seasonal labour.     Your point is moot because our low skilled workforce have no reason to move to another country unless the standard of living is equal or better to ours.  I did read the other day though that the UK provides the greatest number of immigrants from any other country to Australia.   I would suggest that the foreign aid everyone likes to grumble at is a way to improve living standards in other countries.
    • I dont care what race, colour, creed, sexuality or personal religious beliefs anyone holds and just like I dont believe anyone should be penalised in any way for their purely personal choices and beliefs, neither do I believe they should expect or be given benefit or preference over any others based on them.   Real non-discrimination in my opinion.   If a person is a benefit to our society - I don't care about their purely personal choices. If a person is not a benefit to our society - I dont care about their purely personal choices.   ... and that certainly is not anything approaching Nazi-ism in my opinion. Sounds more like real world socialism to me than most self-proclaiming socialists I hear and see.     Are people who make 'profit' - all 'bad' - are they heck as like Are people who say we should give everything away to those more 'needy' - all 'good' - are they heck as like and in the vast majority of those cases most are nether of the extremes of 'good' or 'bad',   .. although it is arguable that those who consciously make a personal choice give away all their personal belongings other than perhaps the absolute minimum they NEED - to those more needy ... are 'saints' - if their personal choices accept that, and whether officially acknowledged or not.     I agree it would be great if the world was at peace with itself and everyone, and no-one went hungry or feared for their childrens futures, and there was no greed, or fear or hate or even want - but this is the real world, and we have to deal with it in real ways.   Not even Star Treks federation is close, let alone the reality we need to deal with.
    • This will be won’t pay more.  The Ex-husband got his ex-wife to go to mediation to sort out the financial side because they own property together.  The ex-wife did not like what she heard from the mediator and would not cooperate. So they wasted 3 visits. Afterwards she arranged another mediation meeting but just for herself without the ex-husband involved and paid over £120 to tell the mediation service how shit she thought they were. Then told the ex-husband what she had done.     Now here’s a new bit of information at the moment the ex’s have one of their houses up for sale, can my sister put a lean on the house?  If yes, how does she put the lean only on the ex-wife’s part of the money
    • I have had to fill in a declaration a few times. southern Water are the worst performing Water provider in the UK. They have even been investigated by the Serious Fraud Office.    I have no doubts there will be many vulnerable Southern Water customers with similar issues who are not aware there Watersure Tariff has been wrongfully  removed.   The culture within Southern Water as I have experienced lacks transparency. The Customer Service Manager used language that removed all blame from Southern Water. Instead of saying they would accurately re bill me he said he would look into the overpayments Inhabe been making!!
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Peter4877

Capital Resolve

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Hi all newbie here recently joined to get more help and info regarding capital resolve

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Welcome to CAG, what help do you need with Cr@pital and powerless resolve call??


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Had a few text messages and an automated voice mail today which I’ve ignored It but today my mom has had a letter with my name but her address which I thought was strange, are these [problematic] just after more info please

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You can forward their silly text messages to 7726 (SPAM on your phones keypad) keep a diary of the harassment with a view of taking legal action against them later.

 

 

You're right to ignore, what ever they wish to convey can be committed in writing, NEVER ever discuss this with them over the phone, keep everything in writing.

 

 

What is this all about?

 

 

A mobile phone, loan, overdraft???


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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what debt are they chasing?

have you checked your credit file?


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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You can forward their silly text messages to 7726 (SPAM on your phones keypad) keep a diary of the harassment with a view of taking legal action against them later.

 

 

You're right to ignore, what ever they wish to convey can be committed in writing, NEVER ever discuss this with them over the phone, keep everything in writing.

 

 

What is this all about?

 

 

A mobile phone, loan, overdraft???

 

 

No idea ive owned the house im in for the last 17 years my mom been in here council bungalow for the last 8 years in which ive never lived there so haven't got a clue and to why they never sent it to my address is mind bogling

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i have access to my credit file but cant seem to find anything on there

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What is the actual debt ? Then we can move you to the correct forum ?

 

 

Andy


We could do with some help from you.

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Hi andy the letter doesn't say who the debt is with or for how much

 

it says we have been asked to contact p smith and been provided with this address (which went to my moms house ive never lived there) by a credit reference agency as a forwarding add for this person contact them at blah blah that's all the letter states ring them quote the ref number

 

 

cheers

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Fair enough...well ignore them ...I will move you to General Debt Collection Agencies Forum.

 

Come back if they contact you and you know with what the actual debt is.

 

 

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

 

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

 

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

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are all you old addresses showing on your credit file?


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

spreadsheets 

 

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the address I live at is the address I grew up in we brought house of my parents when they got divorced back in 2001 , so I have no links to my moms add at all , this is what puzzles me

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does your mums address show?


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

spreadsheets 

 

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does your mums address show?

 

My moms address shows on the letter yes

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no I meant on linked addresses on your credit file

try more than one provider too


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

spreadsheets 

 

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Looks like a phishing session, send to miltiple j Smith and hope any of them bites. Very naughty.

 

 

Deffo do as DX says regarding linked addresss, as CRA's will put anything on that a DCA tells them whether correct or not, Credit Reference is Dodge City.


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 OTHER

 

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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Doing a search for Capital Resolve received a letter from them today to a lady who has never lived at my address. Have been here three years as a council tenant and the last person died of old age with a different surname.

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Have you posted on the wrong three od?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Name still showing on upload...unapproved...please redact and respost.

 

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

 

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

 

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

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typica lazy dca, they know that peopel generally dotn move far so they sned a letter to everyone with the same name in the local area and hope that you respond. If everyone else tells them that it isnt them they then assume they are chasing the right person if they only have 1 who doesnt reply. Unfortunately they tend to scrw up when the real debtor has moved away and also in cases like yours they ahve used the electoral roll records but got the wrong end of the stick. They are breaking the law but they dotn care because nothing will happen to them that will hurt.

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