Jump to content


  • Tweets

  • Posts

    • agree with all that HB, but biden certainly didn't excel, and difficult as that is with a garbage spouter like the bean stain coloured Trump, it is what he needs to be able to not just handle - but show up as the spoiling garbage it is. Grown ups don't win by allowing spoiled children free reign in their tantrums.   Admittedly the host failed miserably, but Bidens preparedness was clearly sadly lacking.  
    • Good morning I've attached the reply I've received from Marquis in response to my letter of claim.I would like to add a few things that I consider important. I first reported the heater fault on August 3rd. That was the 42 day since purchase, but Marquis had had the van for 12 days so the clock stops as I understand it so it was the 30th day which means that the fault was present when it was sold. They had had one chance to repair and failed to investigate any further. I think the cost that they are refusing to pay are more than reasonable. An offer of a tank of diesel world have settled part of it.   And they are definitely not getting a copy of my bank statement   Although I am sure that I'm not obliged to use the Warranty provided I've been reading my Warranty document and it says it's administered by "A1 guarantee ltd "and they are who I should ring to make a claim.The email address to make a complaint is a "global ins" email. i find it very confusing as in the front of the schedule it says "This guarantee is a non-insured product, any obligation to repair your motorhome will be our sole responsibility. Should we cease to trade, then this product will no longer be valid"      
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

KPMG trying to offset debt to Lantern


Please note that this topic has not had any new posts for the last 535 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi CAG, I have received a redress email from KPMG ref redress due to me from an old WDA account.

 

I did have an account with WDA which went into arrears and was sold to MM/Lantern. The debt is now stat barred and MM/Lantern have written the debt off as such.

 

kPMG are stating that they will set off the amount of my redress to MM/Lantern.  I have complained to them about this and await their reply.

 

I am aware of the normal set off rules but does this apply to companies in administration? I can’t attach the section of the letter now as I’m on holiday but as far as I’m aware a company cannot off set a debt once it’s been sold to a 3rd party company, am I correct in this thinking?

 

thanks

 

 

Link to post
Share on other sites

Depends if there is an outstanding balance.

You cant be refunded something you didnt pay.

 

 

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

I do have it in writing they have written it off, it’s approx £1k

 

even though I realise I’ll only get pence in the pound for it

Edited by jon8214
Link to post
Share on other sites

And the balance was closed to £0? 

If so - You are due that money.

There is no "Balance" to offset to. It would put the Debt Account into credit in this case. 

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

SB doesn't mean the debt is still not owed in E&W!!

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

 

This may help:

But if the debt was sold on to a third party and it cannot be bought back, or the business chooses not to buy it back, we might take a slightly different approach. That is because the consumer does not owe the business money - it owes money to the third party that bought the debt instead.

 

When selling the debt the business made a commercial decision and accepted an agreeable price for the debt.

 

In those circumstances, we would usually tell the business to calculate the compensation as normal at the point it sold on the debt - and to pay all parts of the compensation to the consumer.

 

The business should also consider the possibility that the consumer might have incurred further losses since the debt was sold on as a result of PPI being included on their debt.

 

https://www.financial-ombudsman.org.uk/publications/technical_notes/ppi/redress.html

 

It is near the bottom of the page so you will have to scroll 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

I would also say that under common law the obligation is still with the original creditor, as it is unaffected by the sale.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

If he physically paid the sums they want to offset then no it must goto t to him.

but if its just notional stuff they wrote off then no.he is not entitled to it.

Jon..you indicate you paid more than the initial loan..what do you mean?

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

total loans with interest was £1100 or was that what you borrowed and int is on top of the £1100..so what was the actual figure you should have paid if the loans had run their natural course and been paid on time?

 

this £800 could be these unlawful charges etc they levied at the time so you didn't actually pay them,

they are now after the ruling [like an IRL complaint] having to 'give them back' 

so £800 is not yours you never paid it, they simply levied it at the time...

 

the remaining £600 puzzles me, if they are saying they made you pay £600 too much then that's surely yours..you did pay it and they cant offset to anyone. if you get my weird logic

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

From my views here - When i wrote the IRL Guide originally i included the part about the FOS and their guidance.

It can be retrospectively used for IRL.

You should be entitled to all the money back.

 

But with the Administration are you actually going to get back £1400??

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

Yes, I agree, all money paid plus 8% on the premiums paid and any contractual interest due to the account being overdrawn (nominal account in credit)because of unpaid premiums,. 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

If you make a fuss and insist the money is paid to you they may agree to save any hassle. 

 

If this redress was awarded through the FOS though, I'm certain they would have told the business to clear the debt they sold before any redress gets paid to you.

 

They have a different approach on Payday loans compared to PPI, it's about putting you in the position you would be in if you didn't take any loans out.

 

Lots of examples on the decision database of them deciding the lender should buy back the account or pay redress to the third party. I don't agree with it but it is the approach they take.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...