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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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Allay Claims Company PPI /Can a percentage be taken even though they didn’t pursue?

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I signed up to a PPI claim firm on a bit of a whim (yes, I know!) and they came back saying that even though it looks like I had PPI with Abbey National (Santander) back in 2000 it’s such a small amount they won’t be pursuing it. They sent this in a letter, also saying I might want to pursue this small amount myself. I cannot now find that letter but I’m still looking. 

 

I’ve not got around to contacting Santander myself yet, it was about a month or so ago. Well, I got a letter yesterday from Santander saying they’re going to make a fairly decent sized payment to me...

 

So, my questions are these; can the claim management company now ask for their percentage on this larger than they obviously realised payment?

 

Here’s where it gets really worrying, I owe Santander more than the amount they’re saying they will pay me on another completely separate loan.

I have a payment arrangement on that loan but have pretty much accepted that they will likely not actually send me the money but offset it to that.

 

Fair enough but if the claims management firm chase their huge percentage when I’ve not actually had it in my hand I’m going to be in an extremely difficult position...

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On the basis of what you say, they seem to have washed their hands of it and so they would have no claim any fee on anything you recover yourself.

You probably won't want to hear this, but you have no idea how much it breaks my heart that we struggle to provide this free forum for hundreds of thousands of people and then we get people who have been members here for 10 years and they still end up signing with PPI schemes and then get into a panic when they think that they may have to pay the fee that they signed up for.

And when people reclaim their PPI with our help, we are generally speaking lucky even to get a £10 donation – or even a thank you.

 


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I totally understand what you’re saying but I would have no issue with paying their fee if I were to have the money into my hands. I’m just concerned that they would try and take the fee even though they said they weren’t pursuing and I won’t actually have the money in my hands and it will be difficult for me to find the cash to pay them, I’m in no way moaning about just paying their fee. If the claim with them had gone through as normal with them I would have paid it because that’s what I signed up for.  

 

I appreciate your advice, thank you. 

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unless the loans were directly related then I would hope satans bank will not try off-set!!

 


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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I’ve read conflicting views on this, some banks don’t if they’re not related (they’re not) but as we’re talking about Santander I’m pretty sure they will. At the end of the day I do owe them that money so it is what it is. 

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no its not, throw the morality card out the window..

 

satans bank have been themselves subject to a few wins here whereby they've said they will off-set [even to a DCA after the debt has been SOLD by them] and when taken to the FOS or confronted with evidence they cannot, CAG has seen a win.

 

there is no way they can off set an old 2000 abbey PPI refund against present day debt...they didnt even own abbey then.

 

banks cant offset PPI.pdf


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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I’ve read conflicting views on this, some banks don’t if they’re not related (they’re not) but as we’re talking about Santander I’m pretty sure they will. At the end of the day I do owe them that money so it is what it is. 

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Sorry about the repost! 

 

Thanks dx100uk, interesting reading. Who knows how it’ll play out, I’ll keep this updated. Thank you. 

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As an update, I’ve not heard anything further from Santander yet but Allay Claims are already chasing for their cut. 

 

I have found the letter from the claims company now, it says clearly that they will not be able to pursue the claim and to do it myself. I just don’t see how they can now be sending me invoices when I’ve not even had any payment. 

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Thread title amended

 

You didn't provide details of your bank account did you when you signed up with this lot ?

 

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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No way! Why? 

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I have known some just take their commision direct from the account......as long as they are only invoicing you thats fine...ignore their invoices.


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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well be expecting to get lots of scary letter

aLLay will not give in quickly or easily.

 

 

did you sign their letter of authority to act upon your behalf with satans bank?

be careful 

it might be best to let each know as from the date of that letter

you regard the contract cancelled/void as satans should not be informing nor corresponding with allay..which they probably are.

and you instruct them not too!

 

dx

 


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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