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    • They havent shown reasonable care  as professional people so you shouldnt be paying them anything, let alone an inflated bill to cover their bodges. My brother had a similar thing many years ago with a motorbike, that was resolved by having a number of large men collecting the bike and bro then suing for the damage done. Getting your van back will be the real problem to overcome so do you have a spare key and some large friends with a trailer?
    • ignore   Last time i checked CLI are not registered to deal with debts. They simply provide template letters   a dca is not a bailiff   dx  
    • Unless their driver “gets the retaliation in first”.   ”I went to speak to her after she hit the van. I told her she had hit my van. She seemed quite aggressive : then she started taking photos. I thought that’d mean she was wanting to exchange details but then she got in her car & drove off (her driving off whilst I was stationary is there to see on my dashcam......)”   Road Traffic Act 1988 s 170 (2) 2 things are key : 1) was there any damage (even minor / to the bumper) of their van 2) Have they reported it to the police (which you won’t know until you get asked “they notified it within 24 hours, why didn’t you?”   only way to be sure you are on safe ground : notify the police & your insurers.
    • I contacted my local Councillor and received a reply this morning, saying the he would kindly contact our local council on Tuesday morning to see if they could offer any advice.   He also suggested i contact CAB.   It was kind of him to respond so quickly, but unfortunately does not resolve the immediate concern of a potentially scary doorstep visit.   My poor mum has been baby sitting this morning and was terrified!    
    • Hi  was wondering if anyone could help.  Received some quite crazy letters from ‘CLI International Debt Collectors’ about some apparent outstanding debts (speeding fines) from Italy. I was under the impression these were cleared off and have never heard from the Italian motor people for over 4 years now and then randomly got these through the post.  There have been 4 letters - 3 saying what the debt is (no dates or ticket refs though) and then one about how they will now be sending doorstep collectors unless contact within 7 days is made.  Now I have been ignoring but I’ve seen some forum posts about this company but dating back to 2017 so I was wondering if the same sort of rights applied and I can keep ignoring or is this something I should be worrying about? 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 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
    • 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/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
Jaksmyboy

Knightsbridge/CreditFix IVA - treated me very badly - thinking of BK now - help

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You never enter into pointless letter tennis

They all know the score.

 

If the debt was transferred to then then payments were made through the iva

But thats immaterial now as its cancelled anway


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@London1971 is this the process you went through and spoke about before?

 

Just wanted an insight into what happens through the process and, ultimately, what happens to the debt etc?

 

Thanks

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I know you originally posted a while ago but I thought I would let you know my story.

 

In 2011 I lost my job, was making token £1 a month to creditors. By 2012 I was so tired of it all I seriously considered bankruptcy - what stopped me initially was I didn't have the funds to do it. I had between 45 and 50 thousand pounds of debt 

 

Anyway I stared what I will call my unenforecability journey . I sent a CCA Request to every unsecured creditor (credit cards and loans), there were a few lets just say that. 

 

Some of the debt owners wrote back saying they couldn't locate the agreement and the debt was unenforceable - great 

 

Some sent back paperwork that was unenforceable ( this really only applies to accounts oped before April 2007) . I wrote back telling them what they had sent was tosh and to go away , most did.

 

Others sent back what looked like good copies of the agreements 

I did what can only be described as blagged it , I didn't pay , told them there responses were non compliant , in fact to one (about 15K) I actually wrote and said if they thought they had a case go ahead and do me a favour, make me bankrupt. They didn't 

 

Now in 2019 my last debt has been statute barred for just over a month, I am home free. This last debt was an overdraft which it took them a while to default so for that one, to be safe the date of default was my statute barred date 

 

I learned a great deal over the last 7 years, I understand the complexities of consumer credit better than I did. I must say, one (Lowell) did take me to court but could not produce the default notice and I know one was never sent so they lost- that was £5000 and they were ordered to pay £2000+ costs - I had hired a solicitor on a fixed fee when it became clear they would not back off. 

 

 

By the way, I also went to University later in life, I graduated last year and am now doing an MA in Social Research 


Any opinion I give is from personal experience .

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Just to re iterate, any DCA asking for more info in order to request a CCA is trying to spoof you.  No CCA after 12 +2 days, they can sing for it!

 

Yup this is exactly what I did , CCA'd every DCA, and my story is similar to the poster above.

 

 

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@fletch70 That's great news! Thank you so much for sharing your experiences. Looks like you're in the clear now. This is exactly what I wanted to know-the whole process, what might crop up along the way and, ultimately, what happens at the end of it all! 

 

Congratulations on graduating!! I believe its a double congratulations when you have balanced life and work and university! Its tough isn't it... What is your degree in?

 

I will have a read through some of your old posts to have a look what might come my way, and thank you again for sharing.

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Thanks @London1971 so, presumably, they wont provide the CCA seeing as they are asking for more info, so what, it isn't enforceable? Or will it be passed back to Barclaycard or ??

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My degree is in Health and Social Policy - or just social policy, hence the Masters in Social Research 

 

 

With regard to supplying confirmatory info to your creditors 

My view, which may be different to others, in that , so long as it is reasonable then supply it. There is certainly no need to provide a signature but they do have a duty to make sure they send the info to the right person however if they have been writing to you then I would reply saying something along the lines of 

 

'As you have been communicating with me at this address for some time, you must be sure of my identity. If you are not sure of my identity please confirm so I can make a full complaint to the ICO about you sharing my data with an unknown 3rd party'. That kind of puts them in a catch 22 

 

So if its full name and date of birth then yeah- address I am a bit more dubious about 

 

One of the problems with providing old addresses is they can then use that to recon the agreement in the hope that was where you lived when you opened the account. When my Ex died, I wrote to her creditors asking for copies of the agreements so I could pay the debts that were legally owed. One sent back a recon with the address where she died- well I know for a fact she hadn't lived there when she opened the account so they were screwed. Not that there was enough to pay them all anyway but it was one off the list 


Any opinion I give is from personal experience .

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You submitted a CCA request, if they still haven't complied after the 12+2 days it's not enforceable.  They can send you a copy of the Old Testament if they like, but it makes no difference to that fact.

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56 minutes ago, Jaksmyboy said:

Thanks @London1971 so, presumably, they wont provide the CCA seeing as they are asking for more info, so what, it isn't enforceable? Or will it be passed back to Barclaycard or ??

Can't it's been sold

Get reading up


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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

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The CAG Interest Tutorial Read Here

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2 hours ago, Jaksmyboy said:

Thanks @London1971 so, presumably, they wont provide the CCA seeing as they are asking for more info, so what, it isn't enforceable? Or will it be passed back to Barclaycard or ??

Just because at the moment they will not provide the CCA Request doesn't mean you are home free. There are lots of possibilities, they may go quiet because they do not have it, they could sell it on, which might be good for you as the chain of assignment would become more complicated , they might continue to chase you , if they do there is not a lot you can do at this point.

 

The only way they could return it back to Barclaycard would be if very specific terms in their sale agreement are met and unless you have the deed of assignment you can not tell what they are.

 

By the way, when was this account opened and has it always been a barclaycard? I know for example a few years ago goldfish branded cards were sold to Barclaycard as were Egg branded cards before that 


Any opinion I give is from personal experience .

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ive updated your topic title to better reflect your situation.

 

you sent an sar to the useless IVA provider....?

did you sent one to Claims Advisory Group! lets see where this PPI went.

i'd also p'haps write to them as well cancelling any outstanding contracts they think they might have with you.

 

 


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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