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    • 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? 
    • the delivery co arent going to do anything because their diver left the scene without exchanging details and will get clobbered for a criminal offence of failing to do so. What I would do is sit on my hands and see if they make contact with you, if they do you go along with it, if they dont then there is nothing to report unless you want to claim on your own insurance
    • then that will be part of your defence, no ticket on vehicle and the NTK was issued too late to cretae a keeper liability. In the meanwhile you check with the DVLA whe your detailes were accessed, by whom and for what stated reason
    • if they dont respond you can say in your defence that you do not believe they have the permissions because they have failed to produce them and thus have no locus standi.
  • 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
        • Like
      • 0 replies
oldwivesdebt

robinson way chasing wifes old debt in her maiden name

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Hi 

You all helped me out many years ago and really appreciated it.

Today my wife received a letter from Robison Way stating that they have been appointed for HFUKH2L (Ex HPH Ltd).

 

She did have debts going back years ago but dealt with them .

She has no idea what this debt is for as it doesn't state what company she supposed to owe and even so her debts were well over 6 years ago

surely they are statute barred.

 

We have also moved properties in the mean time and the debt has her maiden surname on it as well.

Just wondering whether we should reply in any way or not .

Thanks in advance 

Oldwivesdebt

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Ignore them. If they have not provided enough information, this is just a fishing letter. No doubt further letters will be received and they may provide more info.

 

in the meantime, she should check her credit record, just in case anything is noted.


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ok thank you unclebulgaria67. I imagine an onslaught of letter will arrive shortly going by past experience . thank you again

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send them our statute barred letter in the debt collection section of the library

you need to protect against backdoor CCJ's which they will do if they don't get a response.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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that's what I was worrying about . I know from past experience how these people work but that was from a long time ago. might have thought things might have changed to stop them doing things like that .

thanks 

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Statute barred letter sent but this morning my wife had the same kind of letter only it's stating that they are concerned that they hadn't heard from her. maybe letters have crossed .just await the reply to the statute barred letter 

Thanks

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they may choose to pretend to ignore the SB letter but you can bet your bottom dollar they wont try court because they knw that they will only get a costs order against them fro unreasonable conduct rather than a cash settlement.

It is not uncommon for these troglodytes to ignore the law on debt collection because they (a) wnat the money and (b) wont get punished for being naughty

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They might continue to ask for payment saying although they cannot sue for the cash she has a moral obligation to pay them, at which point a Cease and Desist letter might be appropriate.


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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ok thank you both .

could you point me in the direction of a Cease and Desist letter please .

Is it in the library anywhere 

thanks again

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Youve sent the sb letter

dont enter stupid letter tennis!!


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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Yep, them wasting  a quid a month on sending stupid letters that cant harm you is their loss, not yours

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