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Top content from across the community, hand-picked by us.
Post in Need to make final payment offers after years of paying my debts off - can no longer afford them..
comebackjimmy posted a post in a topic,
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!
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!
Picked By
BankFodder,Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices
BankFodder posted a topic in General Motoring Issues,
Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
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- 3 replies
Picked By
BankFodder,Samsung 75 8K TV - completely broken by @curryspcworld @TeamKnowhowUK
keyblue321 posted a topic in Currys/PCWorld/Dixons,
@curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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- 8 replies
@skinnyfoodco - Skinny Foods taking monthly payments from bank account
mandyjayne posted a topic in General Consumer Issues,
@skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
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- 9 replies
Post in @evansclothing - Evans Retail Limited refusing refund – In desperate need of help
Jennyripper1974 posted a post in a topic,
I’m in desperate need of help
I bought some clothes online in may through Evans and paid through PayPal
returned them all seven days later
I waited the 14days for my refund and no refund came
I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it.
evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
I contacted PayPal
they said the dispute had been closed but Evans at no point had attempted a refund.
fast forward to today
I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
I’ve also contacted their customer service too
all I get is PayPal have cancelled refund because dispute is still open.
I have proved that the dispute is closed
I have got an email saying that if Evans sent the refund they would accept it
but up until the date I got the email they have not once attempted a refund .
I have sent them a letter before court email
I have even offered to have the full refund as a gift card just to get this sorted !
I’m literally at the end of my tether and don’t know where to turn next !
i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
I bought some clothes online in may through Evans and paid through PayPal
returned them all seven days later
I waited the 14days for my refund and no refund came
I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it.
evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
I contacted PayPal
they said the dispute had been closed but Evans at no point had attempted a refund.
fast forward to today
I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
I’ve also contacted their customer service too
all I get is PayPal have cancelled refund because dispute is still open.
I have proved that the dispute is closed
I have got an email saying that if Evans sent the refund they would accept it
but up until the date I got the email they have not once attempted a refund .
I have sent them a letter before court email
I have even offered to have the full refund as a gift card just to get this sorted !
I’m literally at the end of my tether and don’t know where to turn next !
i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
@evansclothing - Evans Retail Limited refusing refund – In desperate need of help
Jennyripper1974 posted a topic in Online Stores,
In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
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- 29 replies
@Inchcapeuk Burton Upon Trent avoiding their consumer obligations
GoldenGoose posted a topic in General Motoring Issues,
Inchcape Burton Upon Trent. Read more at https://www.consumeractiongroup.co.uk/topic/424089-inchcape-burton-upon-trent/
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- 90 replies
@Currysuk customer service cancelled my order but took the money @TeamKnowhowUK anyway
Ikejime posted a topic in Currys/PCWorld/Dixons,
Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
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- 12 replies
@VodafoneUK harrassing widow of deceased man .... for £40!! *** Resolved***
essjaydee posted a topic in Telecoms - mobile or fixed,
Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
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- 9 replies
@curryspcworld Refuse Refund defective F/Freezer 5day old @TeamKnowhowUK
catchingup posted a topic in Currys/PCWorld/Dixons,
Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
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- 6 replies
Caught in Sainsburys - police say i must do a Community Resolution Order - Help I'm a Nurse
Pug Lover81 posted a topic in Retail loss Prevention/Other shoplifting allegations.,
Hi,
I was in Sainsbury’s today and did scan and shop.
I arrived in after a busy day at work and immediately got distracted by the clothes.
I put a few things in my trolley and then did a shop.
I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
I did and they took me upstairs.
I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
No excuse.
I offered to pay for the goods but the manager said it was too late.
He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
The cost of the items was about £40.
I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
I feel terrible. I have to declare this to my employer and NMC.
They kept me in a room on my own with 4 staff and have banned me from all stores.
The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
I’m so stressed,
can u appeal this or should I just accept it?
Thanks for reading
I was in Sainsbury’s today and did scan and shop.
I arrived in after a busy day at work and immediately got distracted by the clothes.
I put a few things in my trolley and then did a shop.
I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
I did and they took me upstairs.
I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
No excuse.
I offered to pay for the goods but the manager said it was too late.
He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
The cost of the items was about £40.
I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
I feel terrible. I have to declare this to my employer and NMC.
They kept me in a room on my own with 4 staff and have banned me from all stores.
The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
I’m so stressed,
can u appeal this or should I just accept it?
Thanks for reading
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- 16 replies
The courier industry – some basic points for customers
BankFodder posted a topic in Postal and Delivery Services,
The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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- 1 reply
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BankFodder,Amigo Loans investigated over affordability checks
NewsBot posted a topic in General Consumer issues in the media...,
The controversial sub-prime lender says the City watchdog is investigating its practices.
View the full article
View the full article
- 0 replies
@fabriclandcouk - How to claim a refund on an cancelled online purchase
koolkat66 posted a topic in Online Stores,
@fabriclandcouk not refunding a cancelled online purchase. Read more at https://www.consumeractiongroup.co.uk/topic/421736-how-to-claim-a-refund-on-an-cancelled-online-purchase/
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- 15 replies
Employment status during COVID-19
QuizBot posted a topic in The Youth Consumer Service,
View this quiz Employment status during COVID-19
What do you do if you’ve been told not to come to work due to the current crisis. Watch the video here or on the Youth Consumer Service Instagram page.
Did you learn anything? Do the quiz
Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20
What do you do if you’ve been told not to come to work due to the current crisis. Watch the video here or on the Youth Consumer Service Instagram page.
Did you learn anything? Do the quiz
Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20
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- 1 reply
One Parking Solutions represented by QDR Solicitors - Damning judgement
shamrocker posted a topic in Private Land Parking Enforcement,
One Parking Solutions - Damning judgement. Read more at https://www.consumeractiongroup.co.uk/topic/421148-one-parking-solutions-damning-judgement/
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- 75 replies
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shamrocker,Coping with extreme hardship
QuizBot posted a topic in The Youth Consumer Service,
View this quiz Coping with extreme hardship
Life can be tough when you're entering the world of work and in the present virus crisis, things are even more difficult.
Watch the video below or go to the Youth Consumer Service Instagram page . Afterwards, you can see if you've understood the points which are being made by taking the quiz.
Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20
Life can be tough when you're entering the world of work and in the present virus crisis, things are even more difficult.
Watch the video below or go to the Youth Consumer Service Instagram page . Afterwards, you can see if you've understood the points which are being made by taking the quiz.
Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20
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- 1 reply
Pre-pay meters
QuizBot posted a topic in The Youth Consumer Service,
View this quiz: Pre-pay meters
An explanation of how some gas and electric companies offer emergency quarantine support.
Watch the video here – or go to the Youth Consumer Service Instagram page and watch it there. Then come back here and do the quiz
Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 6 Category The Youth Consumer Service Submitted 15/05/20
An explanation of how some gas and electric companies offer emergency quarantine support.
Watch the video here – or go to the Youth Consumer Service Instagram page and watch it there. Then come back here and do the quiz
Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 6 Category The Youth Consumer Service Submitted 15/05/20
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- 1 reply
The Youth Consumer Service
BankFodder posted a topic in Helpful Organisations,
The Youth Consumer Service
Advice and support for young people to understand and assert their consumer rights
https://www.instagram.com/tv/B_KPgIZg2I-/?utm_source=ig_web_button_share_sheet
Advice and support for young people to understand and assert their consumer rights
https://www.instagram.com/tv/B_KPgIZg2I-/?utm_source=ig_web_button_share_sheet
- 0 replies
@TalkTalk help needed for vulnerable customer with two small children
mightyroyals posted a topic in Broadband and other Internet issues,
Talktalk ceo help. Read more at https://www.consumeractiongroup.co.uk/topic/420928-talktalk-ceo-help/
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- 15 replies
@BritanniaLtd Coronavirus: Britannia Hotel made staff homeless in 'admin error'
BankFodder posted a topic in The Bear Garden – for off-topic chat,
@BritanniaLtd Coronavirus: Britannia Hotel made staff homeless in 'admin error'. Read more at https://www.consumeractiongroup.co.uk/topic/420603-britannialtd-coronavirus-britannia-hotel-made-staff-homeless-in-admin-error/
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- 31 replies
Shocking pictures reveal ‘disgusting’ conditions inside @Hermesparcels depot where workers ‘feel like slaves’
dx100uk posted a topic in Postal and Delivery Services,
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
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- 8 replies
Euro Car Parks issued this ticket to the police in Devon and Cornwall
BankFodder posted a topic in Private Land Parking Enforcement,
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/
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- 20 replies
@AO tumble dryer faulty at 13 months AO.com - brilliant customer service - **Bravo AO**
messimagician posted a topic in Online Stores,
@AO tumble dryer faulty at 13 months AO.com - brilliant customer service - **Bravo AO**. Read more at https://www.consumeractiongroup.co.uk/topic/419448-ao-tumble-dryer-faulty-at-13-months/
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- 22 replies
Be a kid this Chistmas
BankFodder posted a topic in The Bear Garden – for off-topic chat,
Be a kid this Chistmas. Read more at https://www.consumeractiongroup.co.uk/topic/419309-be-a-kid-this-chistmas/
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- 1 reply
