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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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Debt Collector agreed to pay me to provide staff training!!!


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I stated that I was only willing to do something; (telephone their premium rate revenue sharing 0870 number) if I was being paid. I specifically stated that I was not willing to do this if I was not being paid. Having read this they have asked me to telephone.

 

Their letter also completely fails to address the matters that needed consideration if they did not want to enter the contract because they believed that there was actually a debt (which in any case there isn't). My letter was the offer, and I am certain that there is no other way of interpretating their letter other than as acceptance. After reading my e-mail (which they fisrt acknowledged) why would they then have sent that letter that they did if they didn't want to enter into the contract?

 

The remainder of the wording in their letter also reflects closely the form which I specifically requested for if they were to wish to enter into a contract, at times even using the same words.

 

Lest there should be any mistake I will tonight be e-mailing them the confirmation of our arrangement and of the terms of it, and as well as giving them a few days cooling off period I will also check before starting the first conversation (after giving my reference number obviously) that they did intend to ask me to phone them. As this conversation will be recorded, in compliance with the terms of the agreement, I can see no room for doubt.

 

However I can't see why there could be a mistake; I think my offer is fantastic and at a very low price for the service being provided. Remember that I will even be having to provide equipment to record the conversations and send these recording to them, in addition to working within tight deadlines or facing financial penalties.

 

I believe that this will be a fantastic little business and I look forward to winning more customers. I am also thinking about whether there are any other products that I may be able to offer customers.

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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The stupid thing is that some idiot may actually pass your invoice for payment:D

 

Having read this wonderful thread I can say that gingerheid appears to have entered into a valid contract & can demand payment

 

Name for your business Specific Help & Investment in Training

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  • 2 weeks later...

Gingerheid is clearly far too busy to respond so business must be brisk. I wonder has he taken on any more clients? If not I'm sure we could all recommend a few.

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Sorry about that - I've been hideously busy, but with the day job and not the self employment!

 

They started to actually read the e-mail when I phoned, and that seemed to throw them just a little when they realised.

 

They told me the case was closed, and that I should contact their client directly. When I asked to speak to their accounts dept about payment for the call started saying that they couldn't hear me, and finally hung up. An invoice will be sent today.

 

Obviously I would love to post a recording of the call, but I expect that client confidentiality prevents me from doing so.

 

But it went a bit like:

 

>Name of DCA

>Good afternoon, how may I help you.

>I can just about hear you, are you on a mobile phone?

>Ok, much better

>What's the (name of DCA) reference number please?

>And the name please?

>And are you (quotes title and full name)?

>OK. I must make you aware that our phone calls may be recorded for training and quality purposes. Is that ok?

>(quietly) Right. I'm just reading the e-mail. Uhm... *silence* *sharp intake of breath*. Right. *pause* You'd have to take this up with our client.

>You'd have to take this up with our client. Our file has been closed here.

>Right

>*silence* Sorry, the line is extremely bad.

>Have you got water or something running around you?

>Are you near water?

>Oh. Well it sounds like a waterfall or something from our side.

>Yeah

>The file has been closed here.

>So you'd have to go back to (client)

>(shouts) payment for what?

>Uh... you'd have to... take that up with the company. I can't answer for that.

>Sorry, you've definitely disappeared. The signal is very very bad.

>No. Ok, now you've gone feint and now you've definitely disappeared.

 

I'm not expecting to get any further work from them. I'm afraid, so I'll invoice them now and await payment for the work completed.

 

Maybe they are annoyed I took so long to phone; unfortunately I did want to give them some cooling off time just incase of any future legal proceedings, and I do have to give the day job priority as it's it that pays the rent and the bills.

  • Haha 1

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Priceless stuff......well done Gingerheid!!

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Brilliant - can't stop laughing!!!!!

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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lololol

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Phew, I can reply now that others have done so - didn't want the evil genius to stitch me up with my own post - I can't afford £3.00 a posting judging at the rate I post on 'ere... ;)

 

*applauds*

-----

Click the scales if I've been useful! :)

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Oh fer Christ's sake, how long is this going to go on for??

 

Right.

 

I made you project manager,.... OK?? All I've seen and heard so far is a lot of "spiel". You talk the talk but can you actually achieve the brief that was given you??

 

OK.

 

Look, I didn't get where I am today by.....

 

Have you finished now....??

 

Yes, I'm sure but talk, talk, won't get pennies in the bank.......

 

OK. That's it. It's quite simple. It just needs someone to draw a line. Gingerheid........put that away.........Gingerheid........who are you going to bring back into the boardroom with you..........????

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Needless to say, nodbody oes me a penny, unless of course they start sending me stupid letters that say the same thing regardless of what I say to them. And I mean, who would be so stupid as to do that?

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Needless to say, nodbody oes me a penny, unless of course they start sending me stupid letters that say the same thing regardless of what I say to them. And I mean, who would be so stupid as to do that?

 

Why do you even respond them - if there is no case to answer??

 

Have you not considered it might be making it more difficult to the non "Frankie Howerd's" of the gang.......such as myself???

 

I may be unique, in that I've missed the crux of your argument, but after a while of dredging, I'm only seeing someone who responds to automated mouse traps???

 

Is this really the way to go about dealing with debt problem???:rolleyes:

 

 

 

 

God./......I must be a boring old fart if I find this off putting..........

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Well... I don't have a debt problem. I have a someone trying to chase me for money I don't owe problem. I don't owe anyone anything.

 

However what they are doing; ie totally ignoring people, would be a grave barrier to anyone that was genuinely trying to sort out a real debt problem.

 

I believe that trying to teach them to not ignore people, and trying to open them up to more criticism is worthwhile. They are behaving disgracefully, and they have done it over such a long period of time that they cannot claim it was a one off error, one member of staff with a training need who has now left, a regrettable freak occurrance... whatever. There is a compelling complaint which should be hard to ignore.

 

And why not have a laugh while you're going about it? I think it's always good to see demonstrable evidence that people who portray themselves as pretty powerful actually have fundemental weaknesses that anyone could take advantage of.

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Needless to say, nodbody oes me a penny, unless of course they start sending me stupid letters that say the same thing regardless of what I say to them. And I mean, who would be so stupid as to do that?

Robinson Way

Lowells

Link

BCW

Bliar Oliver Scott

Cabot

Crapquest

Activ Crapital

Frederickson International

Bryan Whatshisname

etc etc

 

 

A L L E G E D L Y

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You're right gingerheid.

 

Nothing wrong with having a bit of a laugh with them anyway. Take no notice of me whinging, I was just on a bit of a downer yesterday. Much happier now the weekend has finally arrived...:) :) :)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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It's my 40th birthday today and was feeling a tad down about not being a teenager any longer, this thread had me practically incontinent due to laughing. This is absolute class. I have saved your letter gingerheid and I will use it if am contacted if that's ok.

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It's my 40th birthday today and was feeling a tad down about not being a teenager any longer, this thread had me practically incontinent due to laughing. This is absolute class. I have saved your letter gingerheid and I will use it if am contacted if that's ok.

 

If you think thats funny read this one

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/73108-1st-credit-noting-contents.html

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