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    • Couple of things to point out. Council won't be interested in dog's poo in the caravan as it is private property.  At best the h&s department would take a statement and pictures and if it happened again they would act.   As the devil's advocate I would ask: 1. If you were so distressed to ask £4k compensation as suggested,  why did you stay for the full length of the holiday? Is it because your complaint was addressed and caravan cleaned? 2. Bed bugs? Where are the evidence? Couldn't it be another insect's bite? Most of the world population occasionally wakes up to a sore bite from unknown insects.  This can happen anywhere,  even in your house. Hands up if you have never experienced a mosquito bite in your house. 3. Manager took ownership of the problem immediately and fixed the faults. What else could he do? Move you from a caravan site to a 5 star presidential suite? Did you ask for this in writing there and then or you accepted the fix? 4. They offered £500 compensation. That's more than a quarter of the cost of the holiday. I don't think a judge would find that unreasonable.  5. Unfortunately the law doesn't act on ifs, so if something doesn't happen you won't get much interest. IF your boy had eaten the poo, the claim could have escalated by a large margin, but you, as a responsible parent, prevented this and nothing happened to your boy who went on to have a jolly good time. So unfortunately you can't claim for something that didn't happen.  To better understand this, think about a window cleaner leaving his ladder resting on a wall. IF the wind blows it on my car i could claim damage, but not before it happens.   So, my approach would be more pragmatic, by all means ask for more and see what happens, but £500 it's already a good offer in my opinion.    For future reference, whenever i go to holiday parks, caravan sites etc., first thing I do is to clean the lot. It takes an hour or so, but then i'm sure that i won't get any problems from hidden bacteria or other nasty surprises.  I know it shouldn't be this way, but it is. Us, the consumer,  have pushed for cheaper and cheaper prices and this is the result. We need to adapt unfortunately or we would be in court every day. Then there would be no time for holidays.
    • Hi, Last payments were around 2009. The last time any sort of letter showed up was about 3 years ago to my knowledge but only received by me a year after it was written as hung onto by my sister.    I haven't managed to open a bank account yet but made progress in what they required so will try this week.    Thanks for responding. At the time maybe I should have gone bankrupt in hindsight but before I left it pretty much all stopped after asking for the SAR' s. I had settled what I could prior to that.  Then after a big gap I started to get random debt agencies picking up on a few, irrespective of saying there were outstanding SAR requests they came and went and I did inform them where I was living overseas which is why Amex went for the RMA and then suddenly stopped.    You are of course right about running away. Seriously the whole thing gave me real depression which is something I only thought happened to other people. It has taken me all this time to get back to a place where I think I can take a deep breath and deal with it both for my sake and my mum.    I will keep a log. What happens might prove relevant to others and I can't see anyone else has kept one although a lot of people seem to have similar stories.    Thanks again        
    • Just make sure the Blue badge is visible in the car so the JBW bailiff can see it, otherwise he might clamp to put pressure on you.
    • Let them spout and don't tell them that you have recorded the call until its nearly ended and you have said you are logging date and time of all calls as they are in breach of the Protection from Harassment Act 1997    Prohibition of harassment. (1)A person must not pursue a course of conduct— (a)which amounts to harassment of another, and (b)which he knows or ought to know amounts to harassment of the other. [F1(1A)A person must not pursue a course of conduct — (a)which involves harassment of two or more persons, and (b)which he knows or ought to know involves harassment of those persons, and (c)by which he intends to persuade any person (whether or not one of those mentioned above)— (i)not to do something that he is entitled or required to do, or (ii)to do something that he is not under any obligation to do.]
    • It wasn’t recorded as to be honest, I was caught a little off guard however they are calling on a daily basis so I’ll make a point of recording the next one!   there won’t be any crumbling here. I’ve just been reading through the history of this to jog my memory on some of the events and it’s reminded me just how pathetic they are as a business. I fully intend to waste as much of their time and hopefully money as possible. 
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Cap1 card Default advice please

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Hello everyone,


I would be very grateful for some advice.


I am self employed.


Back in 2016, I became unwell and was under hospital investigation.

As I was unable to work, I used my savings to pay priority bills and for travelling etc to hospitals.

Prior to this, I paid on time.


Unfortunately, I fell behind on two credit card bills Capital One and AQUA.

I contacted both to explain the situation.

I sent in copies of my medical report as requested.


Capital one froze interest and told me that I had two months to bring account up to date.

I was in contact with a named representative known here as J. 


I sent a payment to cover the missed payments.

I advised J on the 29th July 2016, that i had posted a cheque.

J told me in a phone call that i had sent to the wrong dept.

He advised to cancel and send a new payment.

My first payment had been sent by recorded delivery so I cancelled but the letter was still delivered and received on the 2nd August 2016. 


However, on the 5th August I received letter from Hoist holdings- Robinson Way saying they now owned the debt.

That the account was defaulted on the 29th July 2016. 


In the last few years, I have argued this default and balance with hoist.

The account has been transferred to Frederickson and back to Capital One, back to Robinson Way to BPO.

I never had any notice of assignments and became lost as to the debt was with.

Hoist said they didnt place default on credit file but its their name on the file.


I feel as though the collection activities have been unfair too.

For example BPO sent emails saying my debt was with Welcome Finance and then called 20 times one day.


With Robinson Way, I requested a SAR request with C1 but no default notice was included, the statement showed charges, no copies of my drs note etc. 


Apologises for the length of this post.


I will do AQUA separate although similar.


Moving forward, I would ideally like to offer a F+F settlement and discuss the removal of the default if possible.

Welcome any advice please.

Thanks in advance.

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 cap1 placed the default upon sale

nothing to do with hoist group.


doubt very much if you'll get the default removed by doing an F&F to them.

and ofcourse it will be on your credit file as PS for another 6yrs which is as good as a default anyway


might just be better to let the whole thing vanish on the defaults 6th birthday.






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