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    • In 2016 my business was subject to a fraud regarding a Rolex watch which we had taken in as part exchange from a local and well known customer. We took his steel Rolex and he paid a few thousand £s extra and bought a pre owned gold one from us.  Having bought his watch, part of the deal was we would not sell it until he returned from over wintering  in Australia after a few months. Upon his return he was planning to either part exchange the pre owned gold one back and buy a brand new version of it,  or he might like to simply  buy his original one back.  The watch therefore sat in my safe for nearly a year. At which point we attempted to contact the customer only to find his obituary. He was ill before he travelled so we suspect he knew he might not return.   It was a few weeks before Christmas so we put his (which was now ours) watch in the window (as it was) to sell and sold it within a few days. Had it not sold before Christmas we  would have sent it to Rolex for service and refurbishment, and subsequently offer it for a higher price in the spring (Rolex would also have identified it as fake). Two years later the customer that bought the watch returned it quite upset after he had sent it to a national watch buyer to sell, but was told it was a high end counterfeit (ie not your $20 Chinese throwaway, but one purposely manufactured to deceive).   After some checking ourselves, we refunded the customer and spoke with our insurers.   Our business insurance provided all risks cover with a few exclusions (terrorism etc) and was a very well known policy that many/most UK retail jewellers take up. Indeed we had held the policy for many years.  Fraud is an insured risk.   It is my view that a customer selling us a fake watch is a fraud. The broker enquired with underwriters and they have said it is not covered. I am not satisfied and have asked the broker to send me the wording of the policy so I can read the exclusions. I am told they have searched their archive but cannot find the policy so cannot send it to me. They have asked me if I have my copy? I haven't found my policy document either and fear I threw it away upon renewal. But wonder, if I do keep looking, whether it would be a good tactic to let them have my copy. We have been renovating the house for a year and the attic is absolutely chock a block with stuff, a thorough search through the old books would take a week or more.  I have suggested if they cannot find the wording sold with my policy they should settle the claim. Clearly they cannot reject the claim without the wording? It sounds odd to me that they even need to retrieve the policy to find the wording.    I am quite certain a claim for fraud is an insured risk. I guess somebody has to judge whether the transaction was fraudulent first though. I am quite happy to issue a summons if the insurers reject my claim by trying to suggest the risk was not covered (unless it obviously isn't), which is why we need the wording.   Comments and a strategy would be very useful to understand whether or how to proceed. The claim is for £3500.
    • So let’s say you won’t get more than 1 hour for lunch, so 48Hr/wk is your paid hours. That gives you 2496Hrs/yr at £20k yours hourly rate is £8.01/Hr.    if you are 21 or 22 you should be on £8.36 23 or over takes you to £8.91   so unless you are younger than 21 you are below minimum wage and they are breaking the law if those are the hours you are contracted for. 
    • you read UPLOAD use jpg to redact then convert and merge to PDF.
    • Have a read of our upload guide, that explains how to edit pdf docs.   I'm not one of the legal people but I find it hard to believe that you don't have any cancellation rights after you sign with them. I notice that the agents are part of Countrywide who I would expect to be professional, hopefully other posters will know what rights you have.   HB
    • lose the red bit don't be pedantic..   don't use the health as a reason, just slip it in somewhere as a secondary thought, and that worry concerning them getting covid by you returning back to work, had delayed your return. a few white lies don't hurt.   pers i'd fluff it out a bit.  something like    Notice of intention to prosecute - Thameslink - changed CArNet Ticket date - Please help - **SETTLED** - Public transport (Trains, tubes and buses) - Consumer Action Group          
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Need to make final payment offers after years of paying my debts off - can no longer afford them..


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hi

i'm in a lot of debt and have been struggling for a long time juggling debts.

it's come to a point now that i can't cope.

i've been paying what i can afford but it's nowhere near what i'm supposed to pay.

i'm in two minds whether to go for an iva

 

but was wondering if i could offer a lump sum as final payment to the creditors .

i can get money from my pension but it's only half of what i owe .

 

i've only been paying minimum payments for years but now with all this covid and other things going on the last three months i've only been able to pay what i can afford .

 

would it be a good idea to offer a final payment in hope they will accept it.

 

all the debt is with credit cards

thanks in advance.

 

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who says they are even enforceable.

as you've been here since 2007 and have many threads

i will gather you have already sent each debt owner a CCA request?

 

dx

 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.

 

I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.

 

As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.

 

If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.

 

They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.

 

If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.

 

The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.

 

They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.

 

Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!

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... and if you picked up all of these tips from the CAG – tell your friend he should make us a donation!!!   🤣

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Sent them all the CCA – and when you find that they're not enforceable, you can pay the lump sum to us!  🤣

 

Oh how we laughed.

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No I suggested that your friend should do it if he has taken the benefit of all the years of wisdom from this website

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Well I hope you realise that it was only meant to be a joke – but of course we are very grateful – I'm quite embarrassed now.

However, maybe I should go round to everybody's threads making similar jokes.!

 

Anyway, when your friend is in a better position, we'll help you make a small claim against him to get your money back plus interest.

 

And, thanks by the way. We've received it.

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thanks for your replies.

i haven't sent any cca requests .

the threads from before were debt for my wife mostly and i never  thought i'd be in this position again but i am .

thanks 

 

could someone guide me to the template letters . can't seem to find them .

i know they used to be on here but can't find them anywhere.

thanks

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but the same advice then applied to your debts then too....

 

stop being a cash cow.

get those CCA request off! click the link<<

 

list your debts please

 

type of credit

when taken out

how much owing

original creditor

defaulted date

IF DCA now Dealing and name them

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Need to make final payment offers after years of paying my debts off - can no longer afford them..
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