advice needed,on so many debt collectors after me

[remus]

thank you, trip to optician duly canceled:p

[remus]

as for the stamp question.

any unused stamp is classed as legal tender/payment.

as it can be used or cashed at a post office

i think that is still the case

dx100uk

So do not need to pay for a postal order, COOL:cool: shame they don't make it known:rolleyes:

[remus]

bonnieday,

go careful, coz there is debate over what can be excepted as legal tender, and they may be within their rights to refuse:(

Stick with £1 stamp, at least we save money on postal orders:)

[remus]

Hi michsienna,

have a read of the thread CCA + Non Compliance stuff by Elizabeth1.

Think it might be of help to you:)

[remus]

Hi michsienna, I went to OFT to complain about 1st credit, and they have taken it on board.

As you have done the TS route, and got no satisfaction, why not try them?

Happy to be corrected by anyone if I am making a misleading suggestion;)

but TS are not acting on your complaints, and so information is not being logged/noted, and so nothing changes.

Just a thought:p

[remus]

hi michsienna, it makes you wonder is any one listening??? Ok I rang first, speak to another human being explain where you are coming from, it might make a difference, letters and emails come later once you have established hi its me a person:rolleyes:

Once you have got there attention you can quote them in any correspondance with DCA's, and I have found it makes a difference, BUT be aware DCA's beleive they can do anything, and yeh it seems they can, when will TS OFT etc realise the DCA's are taking the mickey!

I can not beleive you are really no further forward, and now your Mum has became involved:( I am so angry.

[remus]

michsienna, there you go then, kennyparkroad's letter is your next step, shows you know your rights, and they aint gonna mess with you:D also gives you more ammo for TS OFT or anyone that will listen (re your post 202)

I will be keeping a copy of KPR's letter too

[remus]

and at the bottom of the the letter in tiny small print tit reads

ehmmm was you thinking about vanquis lol:p

[remus]

Hi Mich, sorry to hear about your Dad, and as stadium Arc has said we understand your priorities.

And like the dca's were not going anywhere:rolleyes:

Take it easy, send your Dad our best wishes, and cyber hugs from all:)

[remus]

is he an X dca????

ditto the cyber hugs mich;)

[remus]

michelle, just you tell Mr (not really interested)TS, that the reason you are doing what you are doing, is because these companies make our lives a living hell, constantly ringing, and involving other people, who do not need to know our situations, they constantly break the law, and get away with it, and if people do not complain to these bodies such as TS (who are supposed to be there to help with unscrupulous companies) nothing is ever going to change.

It has nothing to do with him if you have a debt or not,(yes we owe money, smack our hands!) it is the way they carry on with threats and harassment, and over the years have placed themselves above the law.

Never forget, they buy these 'debts' for peanuts, the OC can write them of against tax (its all about business and profits) which is why they come down so hard and nasty on us, so they can get as much as possible (lucrative comes to mind) not caring if we can afford it.

You have gone to TS to complain about a company that is breaking the law, their standard of trading is c..p, and someone needs to pull them up, if Mr TS is not capable of dealing with these companies, perhaps he would like to tell you who is, or are they happy to let a company carry on trading, and constantly flout the law of the land.

I will go and have a lie down now;)

Michelle, you have come this far, you are an inspiration, do not lose track of why you are doing this.

And yes please Kennyparkroad, perhaps a letter to Mr TS, with all the legal implications highlighted to give Michelle some clout, because this is what we do in life, come up against an authoritative body, and think they must be right, perhaps I've got it wrong, and so do not pursue it (like we have been doing with the DCA's)

some thing els ive notice is, when one dca goes quite another one starts banging there drum,

michelle xx

Yea strange that;)

Good luck michelle:)

[remus]

TS asked me the same thing

 

i replied

 

"its my legal right to query this so i am exercising that right!"

 

it soon shut him up.

This is what Michelle and all of us need to know, and have the strength to say.

I have read TS are under funded etc, BUT that should not mean that we have no-one to stand our corner.

If TS are asking why we are going to them, I'm speechless:( .

[remus]

Michelle, they are passing you around because they haven't got a copy of your signed agreement (thats how I see it, happy to be corrected:p )

Maybe they can't pass it back to the OC as it's got so wrapped up in peanuts, tax etc.

Hey Clever Guys, what's the next step for mich, official complaint, in writing to OFT? TS?.

Let's get this sorted, and show them we mean buisness:D

[remus]

Hi Michelle, this is interesting reading un1boy vbmenu_register("postmenu_972759", true); vbmenu_register("postmenu_972759", true);

[remus]

michelle, bless, you gotta laugh, and I bet your three are like pigs in muck:eek: they love it.

Take care:)

[remus]

YES YES YES:p getting there mich, slowly, the OFT have taken on my complaint re 1st credit, let us hope that all the evidence we are sending, will lead to a good and proper shake up of the way these dca's operate:cool:

Some light reading for you, if you haven't already seen Wescot- Did you know... , we're getting screwed every which way:eek:

Hope your drying out, and not looking to much like a new age traveller:)

Complain complain and complain some:p more

[remus]

Mich, couple of questions, as I am not up on the legal side, but reading the letter.

1. why do their records not go back pre ofsted report? bit suss!

2. they charged a lot more prior to that date.

3. How can they say "as such you have not paid any of the charges"? its been added to the total.

load of rubbish:rolleyes:

lets see what Rory etc has to say about it:)

[remus]

mich, well, don't you just feel better about your first contact with Mr TS;)

Complain complain and complain some:p more:)

[remus]

 

im still thinking what to do with the unfair charges citi have chrged me.... do i try claim them back myself or have this reclaim company do it for me, the debt i have with citi is far greater then the unfair charges, so i dont want them useing it to pay of part of the out standing debt, and have nothing to pay the reclaims company. (you know you can do it! ) i know you guys on this wonderful web site will be with me every step of the way, but i am still quite nervous.

 

 

Hi Mich, so good to hear you are getting control back in your life, and you can even laugh at the dca's:lol:. keep all the letters they send, as Cap1 has agreed to settle, the dca is harassing you, and you can report them, don't bother doing Cap1's job.

 

Here's to 2008 Mich, have a good one:p