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    • was her cr edit fi le shot anyway when she took this loan out?   dx  
    • in this instance DCBL are operating as mere powerless debt collectors, a DCA.   a DCA are NOT BAILIFFS and have  ZERO legal powers on ANY debt no matter what it's type.   if their client really had a debt in your name, they'd contact you themselves.   as long as they know your correct address it is safe to ignore silly threat-o-grams.   and tell the others that too.   dx      
    • Hello all.  I'm looking for some advice if I may.   I received a Notice of Debt Recovery dated 26th May from DCBL relating to an alleged debt of 71.08 that apparently I owe to East London Energy/Engie. The problem is, I don't recognise the debt at all and when I moved out of the property I lived in which was served by ELE/Engie, my account was all up to date as I pay by direct debt. I even left them with my forwarding address, which they still have on their records and the closing bill was sent to that address.   DCBL are saying that ELE have sent me correspondence about this debt that I've failed to respond to. But the first I have heard about it is the DCBL letter itself. It's totally flummoxed me.   Here's the problem though, ELE never, and I mean, never, answer their phones. I have called about 30 times, no word of a lie, every day since receiving their letter. Not once have I got through to someone. They're not responding to my emails either.    On the local residents group on facebook there loads of households moaning about the same thing. Lots of them have received these letters, some have managed to get through to speak to someone, some have been told it's an error, others have been told 'you owe the money, tough pay it'.   Everyone is complaining that they can't get through to ELE to speak to someone. I don't know what to do.   Apparently if I don'y pay DCBL by 10th June they will review my case for legal recovery. It all seems desperately unfair, especially when I was the one who was informing ELE when they messed up their billing or failed to take a direct debit. I'm scrupulous about my bills. If I genuinely do owe the money I would have gladly paid it, but I just can't understand where this alleged debt has come from.    Does anyone have any advice? I'm at a loss but really don't want to pay DCBL for this debt I have no knowledge of and their added administration fee. 
    • Hi all, I hope you are all well in this strange time? I'm trying to assist my cousin in a complaint that she has with the PDL Uncle Buck, and I've reached a stumbling block. Loan Amount:       £400 Charge for Credit: £350 Agreement Date: 05-Oct-2018 Disputed Balance: £276.79 From initial information I've seen it's been a comedy of errors with there administration side, but for her, misery. Original Payment schedule sent out to her started from 26.03.2019 - she questioned this. They never replied, so took it as that was 1st payment date. 7th Nov 18 she gets a Missing payment and a charge. Questions this, they adamant charge stands as it was a clerical error, she again disputes. 3 weeks of in arrears messages, they eventually agree to refund £15 - but now insist on I&E as she missed the payment - no change in circumstances. She asked for 3 days grace til payday. No reply.  Default notice issued. This eventually gets it self sorted and they missed payment was factored into the remaining. Dec 18 her fiancee passed away, no way to afford the payments & funeral costs until insurance settles  - UB continue to harass despite telling them the issues. Some how she finds the cash an pays something towards the balance, just to stop the harrassement. She loses her job in Feb 2019 - informs people she owe money to, that now on uni credit. UB state that if she pays x amount they can do a payment plan as she's already in arrears. I told her it's against FCA Conc regs, she emails them - nothing back. No chase emails / calls or anything till end Apr. Settlement offer - pay £355 and we will take care of the remaining balance of £535 she emails them to say she can afford £50 pcm based on the the settlement - they agree. August she gets a statement, remaining balance £235 - they had not used the settlement figure as this was to be paid in full only and also incurred missed payment charges(?) I write an email for her email requesting DSAR etc sent on 1st Sep - acknowledged 10th Sep - info sent through 10th Oct - Account was placed on hold from sept til receipt of DSAR. DSAR shows - comment of being financial difficulty, on UC, payment schedule - 9 call attempts, 4 CPA attempts (she requested this to be cancelled 2mths after taking out loan) list of charges and interest after being informed on UC and put into payment plan. Complaint goes off - complaint partly upheld - £235 still outstanding. Complaint again. Account on Hold again. Fast forward to Jan 2020 - Complaint still being looked into will have response within 6weeks.. Email received - Settlement remaining Balance £320 (they added further charges!) can do 40% settlement in 2 payments. Email goes back stating it's under investigation, would accept £150 settlement but over 5 payments. No reply. 21st Feb - Email Settlement remaining balance £276.79 - can offer settlement figure of 195 but require a payment of £55 within 3days --- this is still despite her being on UC and no reply to settlement. She replies - stating can not afford £55, can do £10 pcm to settle. - They accept, but the balance is now 266.79 and not the 195. No acknowledgement. Payment schedule issued for 10pcm totaling 266.79 -- questioned again - no reply or acknowledgement. March - she notices that UB is no longer on one of her Credit Reports. I told her to check Credit Karma & Totally Money - Both show that they are marked as "Settled"  £0 balance from 03/03/2020 So left it as that. May she gets a call from UB collections, chasing £266.79 as she's defaulted again on her agreement (note - they've never acknowledged any questions) - she informs them that as far as she and her credit reports are concerned she owes nothing. Also stated that even if she did - it should be written off, incorrect balances and reporting and as it's gone against CONC where they insisted on a Payment to set up a payment plan. Person raises a complaint on her behalf and said she is going to get the Credit reports amended as it was a clerical error. 26th May - Sum Of arrears notice " On 05-10-2018 you entered into a fixed sum credit agreement with us under which you borrowed £400.00 repayable by 6 monthly instalments. Your arrears under the loan agreement The opening balance (which is the total amount that is due and owing under this agreement) at the date of the previous Notice of Sums in Arrears (dated 26-11-2019) that we sent to you was £318.27. On this date, the payments that you had failed to pay when due under your credit agreement amounted to £259.29. We are required to periodically send you Notices of Sums in Arrears, at intervals of not more than six months, while you remain behind with the repayments due under your credit agreement. The balance now due under your loan agreement on the date of this notice is £266.79. The total amount of your arrears (the sums that you have failed to pay in full when due in accordance with the terms of your loan agreement) is £207.81" 29th May -  We acknowledge your complaint and are sorry to learn you are dissatisfied with our service. Uncle Buck Finance LLP T/A Uncle Buck (the Partnership) was placed into Administration on 27 March 2020. I confirm that Paul Boyle, David Clements and Tony Murphy of Harrisons Business Recovery & Insolvency (London) Limited were appointed Joint Administrators of the Partnership. They are licensed to act as Insolvency Practitioners by the ICAEW. They are bound by the Insolvency Code of Ethics when carrying out all professional work relating to an insolvency appointment. Today - Final Response:   How Uncle Buck understands your complaint You are unhappy that according to your credit file the balance of your loan had been settled and now you have been advised this is incorrect due to an error made by an agent. Our Investigation and outcomes  An email was sent to you on the 21/2/20 offering a settlement figure of £193.75 against your outstanding balance of £276.79 and that if accepted this would close your account. We advised that we needed a payment of £55.35 to hold this settlement offer. You responded to the email the same day advising that you were unable to take advantage of the offer and asked if we would accept your original offer of £10 per month. We responded on the 24/2/20 asking you to complete an income and expenditure form. This was sent back to us the same day. On the 25/2/20 we advised you that we accepted the offer of £10 per month.  You then responded with the date you would be making the payments, confirmation of this was sent on the 26/2/20.  You then queried the amount outstanding; Claire then spoke to you to discuss why the balance was not the £193.75 as this was a settlement offer. < She has never spoken to anyone about this. -- the person who raised the complaint said an email was sent out! As previously advised the agent who made you a partial settlement offer on the 21/2/20 made an error and added a code to your account which meant that your credit file was shown as partially settled. This has now been corrected. I apologise that this error was made and will be upholding your complaint.  However, I can not agree to write off the balance due to this error.   At no time did you receive correspondence from Uncle Buck advising that your balance had been paid.  You were advised on several occasions after this date what the balance was and a payment plan was agreed. Please contact our collections department to discuss the arrears on your account by the 11/5/20.  If no contact is made then collections activity will commence and your account will be removed from write only. This is our final response. Please note, any complaints raised to the Financial Ombudsman Service (FOS), will be directed to Harrisons Business Recovery & Insolvency (London) Limited.  They are no longer dealing with any complaints raised for the Partnership. And that's where I come to a block - they are saying that FOS will not deal with this complaint, really do not know what next steps are for her to get this resolved. Am I correct that they should not be asking for a payment to agree a settlement especially when someone has declared financial difficulty Any advice would as always be grateful  
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BankFodder

GiffGaff - monthly renewable flexible contract – no more 24 months fixed contracts

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If you are fed up with the incompetence of Vodafone, Orange, O2 – and the rest and being locked in for 24 months and having to put up with dismissive, mediocre and sullen service – then why not move to GiffGaff.

Some of the CAG site team have been using GiffGaff for a while now and frankly we can't find any downsides. Even if you're nervous about it, try it for a month or two. You can always terminate and go on to a formal contract with a conventional mobile phone service supplier – although I don't expect you will ever want to go back.

GiffGaff gives you monthly contracts. You can choose to leave that any time you want. You can alter your contract month by month so that if you are going away and you think you need less or more data or less or more call time, then you just set it up for the following month. There is an app which allows you to monitor your usage. It's all the flexibility that you ever dreamt of and the prices are excellent.

If you use this link https://www.giffgaff.com/orders/affiliate/cagger3030?utm_source=giffgaff&utm_medium=email&utm_campaign=email-OBS005&ggCampaign=email-OBS005 to order your Sim card then we will get 5 pounds credit and so will you as soon as you activate your card. If you happen to activate your card before 31 January (not long now) then you will get 10 quid credit – and so will we. Any credits we get will be shared between any of the team who have GiffGaff accounts.

We don't often endorse a product – but so far they don't seem to be any downsides and we've been doing it for years.

Order a GiffGaff Sim card. It costs nothing. Activate it and the maximum you risk is one months contract. If you don't like it then dump it.

 

We have no special ties to GiffGaff and if you have any complaints then we'd be very happy to hear about them and to help you deal with them on our mobile phone sub- forum. We will treat GiffGaff just as aggressively as we do with the others.

If you look at our mobile phone services sub- forum, you'll see that we've had loads of complaints about all of the main providers – Vodafone is the worst – but to my knowledge, nothing against GiffGaff. Extraordinary.

Seems to be pretty well as good as John Lewis.


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Smarty is similar, month by month plans with no tie-in.  No credit check either.  Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. 

We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.

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1 hour ago, aesmith said:

Smarty is similar, month by month plans with no tie-in.  No credit check either.  Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. 

We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.

 

I'm with Smarty and they've been great. They've got the best deal by far for 30gb of data per month for £10 (with free calls & texts). For that price you only get 6gb with GiffGaff. For me the only downside is no wifi calling but their non-EU roaming (important for me) is pretty competitive.

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I've been with GiffGaff for years.  I can add straight credit for a PAYG service or buy packages which give me data when I'm away from home.  I buy what I need when I need it and don't  pay for what I don't need.  My needs can change dramatically month on month and the flexibility is a real benefit.  I save a fortune over being tied in to a fixed contract.

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3 hours ago, aesmith said:

Smarty is similar, month by month plans with no tie-in.  No credit check either.  Smarty runs over 3, Giff Gaff uses O2 so the choice may come down to coverage in your area. 

We've been using Smarty in a Mikrotik router as our main home Internet connection for nine months now, it costs less than our ADSL broadband and gives 20meg download instead of 3.5.

 

2 hours ago, cjcregg said:

 

I'm with Smarty and they've been great. They've got the best deal by far for 30gb of data per month for £10 (with free calls & texts). For that price you only get 6gb with GiffGaff. For me the only downside is no wifi calling but their non-EU roaming (important for me) is pretty competitive.

Yes, I suppose the real point is the coverage. I think generally speaking O2/GiffGaff has a better coverage but people will know better in their own areas.

GiffGaff callers can phone each other for free without having any impact on their minutes – and there can be very handy. I don't know if Smarty does the same thing.

Anyway, the site team on this forum are more likely to use GiffGaff and of course we will accrue some benefit if people subscribe to GiffGaff. They can try it for a month – and then move over to Smarty – and make a comparison.

It's that flexible.

It seems to me that the days of having fixed 24 month or 12 month contracts are finished. Only complete masochists really want to get tied into Vodafone or orange – or even O2 – (even though O2 supply GiffGaff) any fixed term contract is completely unnecessary.

 

Anyway, whatever you prefer, GiffGaff is doing this deal and if you use the link you will get £10 credit – so will we. When you've used up your credit then I don't suppose there is any reason why you shouldn't then move on and try smarty and make a comparison.

 


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Just to make up for maybe treading on CAG's toes with my initial post, if anyone signs up for Smarty using the link below then both they and I will get a free month (the new member pays for a month and gets the second free).  I'll donate any saving that I get to CAG

 

 

 

Mods - if this is out of line then please feel free to delete my post.

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Of course it would be nice just to receive a straight donation 😀


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