sillygirl1
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Everything posted by sillygirl1
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Someone is using my husbands name
sillygirl1 replied to Fringer's topic in Local Authority Parking and Traffic Offences
It is probable somebody has the same name as your husband and they have done a name trace. A friend of mine gets letters as he has the same name as a 'frequent offender'. He has a letter witnessed and signed by a solicitor that states he is NOT that person and that usually ends the matter. Cost him £50 to get done but has solved a lot of problems. -
WFS have NOT continued to trade for some time now - so that is a bit of a red herring. What they and their liquidators are doing is consolidating their books and maximising any cash flow they can get from existing loans.
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Do not sign anything they ask, wait to the court date and see what happens then. How can they increase a mortgage term when you don't have a mortgage with them?
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Temp work is like that. I went into a job for six weeks and stayed 18 months. This current job I am in was for one month and is now for two. I've had other jobs that have only lasted one day.
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If they try to take you to court with no documentation they will have a difficult job convincing the judge that they have a claim in the first place. I think they are huffing and puffing to put pressure on you to pay them even more money.
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Your father is not responsible for your mothers debt if there is no money left in the estate. Neither are you.
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When sending it back make sure you have copies of it and take it to your local jobcentre, they will scan and send it directly to the right department for you.
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You need to get to the court 'just in case' they 'forget' to cancel the SPO - if you turn up and they don't you can put your case to the judge who may well be on your side rather than theirs.
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Phillips and Cohen are a nasty lot to deal with. They try to get money from estates which have already been proved and are, as martin2006 says, coffin chasers.. They cannot get money from you for any dead person and therefore should be treated with as much disrespect as possible should they finally make contact with you.
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Deceased Sister - shock letter from Cabot (Marlin)
sillygirl1 replied to sandcottage's topic in Debt Collection Agencies
Simply tell them in writing there is no estate to claim from. Report them to the Solicitors Regulatory Authority and a show such as Rip Off Britain or Watchdog. -
Idem/robinson/cabot alcredit cards mid 90's - **WRITTEN OFF**
sillygirl1 replied to Sev's topic in Debt Collection Agencies
IDEM should be named and shamed in the press for their behaviour towards you - disgusting doesn't even begin to express the way I feel about them after reading your battle. They MUST be reported to the FCA/FOS immediately. -
Always copy anything that goes to the DWP. They lost mine. Our local jobcentre can send stuff electronically to the DWP so I now take anything down there. Saves a lot of hassle and worry. Mine went in February and got 'lost'. Duplicate sent in March and still not had appointment letter yet. Phoned to chase twice and told 'in queue to allocate appointment'.
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Council tax latest.
sillygirl1 replied to Consumer dude's topic in Local Authority, Council Tax and Business Rates Issues
No, because a lot of councils are now issuing 'bulk' reminders and doing everything via contracted out back room staff. Check to see if your council isn't sharing back room staff with another neighbouring council. -
NO to paying the loans off - other than any current running one. Wait for further advice from others on this forum.
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Would be a good idea, but what would be the end achievement if people got so many notices a week/month? I doubt whether it would make them mend their ways.
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Yes, they are there to help you find work. Stop trying to make things difficult for yourself by questioning every action they do. The harder you make it for them the more likely they are to sanction you.
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Is that on your credit report? I bet they registered it on there late - the actual default date should be obtained by phoning Barclaycard and finding out the date of the last payment made - then go three months after that for the actual default date, not the artifical one placed on by the DCA.
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They should have that information if they are acting on behalf of their creditors. I would ignore any further missives from them asking for you to give them cash. Other people will be along soon with more advice.
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When did you last make a payment towards this credit card- it may be statute barred or nearly statute barred.
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Deceased Sister - shock letter from Cabot (Marlin)
sillygirl1 replied to sandcottage's topic in Debt Collection Agencies
Hearse Chasers is a great name! That is what they are - Phillips and Cohen originate from the USA and have been active over there. I would not lhopike to work for them in any capacity, and hopefully this government will wake up and prevent them from operating over here. There is no market for the 6 feet under bottom feeders. Once an estate has been settled that is it. -
Deceased Sister - shock letter from Cabot (Marlin)
sillygirl1 replied to sandcottage's topic in Debt Collection Agencies
It is possible you may receive a letter from Phillips and Cohen, they are a 'specialist solicitors' dealing in 'distressed death debt relief' and are a nasty lot. If you hear from them get back to us and guidance will be given in dealing with these unmentionable excuses for humans. -
Motormile Finance UK RE:Mr Lender payday loan.
sillygirl1 replied to rippedoff15's topic in Motormile Finance UK Ltd/Lantern
I would contact the regulators with that missive and tell them the story to date. Have you had a complaint in about MMF? -
I would keep an eye on any legal fees Kennys may come up with and add to this account. When the account is reviewed have a separate sheet with the legal fees for the aborted reposessions handy and ask for those fees to be reviewed. Make sure you have the money available and if possible try to pay it into the account early to avoid 'banking delays'. The Abbey National tried that one on me but I had paid the money in a week early over the Easter period knowing what they were like!
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NO - THEY OWE YOU MONEY NOW - all those fees are PENALTIES and not allowable by UK law. They are chancing their arm. Other people will be along later to help. Please read the other threads regarding Minicredit and you will see that this alleged debt is non-enforceable in court and as you have already repaid the principle sum and interest on the original agreement they have not got a leg to stand on. Write back stating that you have paid £400 and you are not paying one single penny more and you want a copy of their complaints procedure.
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Load of tosh. It WAS a fixed term account with a set end date. Those charges will be thrown out of court and they haven't got a leg to stand on. Interest charges, debt collection charge, default charges and those attempt charges are all challengable. If I were you I would reply back to them and ask for their complaints procedure and follow it to the letter. Remind them that you will challenge all the added charges in court should it be necessary to do so.
