Sorry to hear you been treated in such a manner that neither store or police took your role or potentially extenuating circumstances into account, being under pressure / work load / previous history if any. 

What i dont get is didnt they offer you a police caution at all, years gone by first offence for specific crimes would just earn you a caution, unless you've got any police history?

Just seems a little unfair , unless cautions dont exist any more, what exactly is a resolution order, a promise not to commit the same offence within the year, else you could be charged for that offence as well?

It may well have been better to force them to arrest you, take you to the nick where you could have got duty brief and cautioned?

Sorry hope things work out

One more thing to add:

 

In early April,

they wrote to me with a letter titled

"NOTICE OF FAILED REPAYMENT PLAN".

 

It went on to say,

 

"Dear mike00,

 

Following your agreed REPAYMENT PLAN you have failed to make repayments to us in accordance with the terms and conditions of that arrangement.

 

We have always tried to mediate the settlement of this debt with you.

 

Unless payment is received within Seven days by the 12/04/2013

you will leave us no option but to proceed with legal action by trying to obtain a County Court Judgement against you..."

 

I never agreed to a repayment plan.

 

They never accepted any I offered.

 

And the fact they try and claim they've always tried to mediate settlement is absolutely hilarious.

Hi Mike,

Personally am concerned having read your story as I've got multiple collectors harassing me daily with one (Speed credit) a similar story where I couldn't settle payment online or get through to anyone on phone, although I mailed they passed it through 3 companies within 5-6 weeks and now have Northern Debt Recovery and Marshall Hoare threatening legal, have you actually received a court date written from the courts ?

I'm afraid because the collectors have applied 400% interest and continue to refuse coming to an agreement

Be interested in your case progression if you don't mind sharing

J'

moved to legal forum

 

dx

Hi DX

I'd like to follow this case, but can't find where it's moved to, could you provide link to where in 'Legal' it is please

Danny don't know if you work there still, can you help on the below as anxiety and depression I got under control since my last period of 'sickness' due to financial stress a year ago, is just about starting to creep in after spending half an hour on your site only to get a 404 website error, considering 33 x £8.99 charges, I'd love to hear about me even getting the benefit of the service you provide on just 1 occasion. Has anyone else been so stupid as to let this number of payments go by without being picked up?

It would be nice if you guys had mailed or even called me once in a while to show some appreciation in being such a loyal stupid customer , but I suppose that would have only high lighted the fact that I was so stupid,

I trust I will hear from you promptly before further action is required.

"I've just discovered 'Postnet t/a L' appeared under my direct debit list by chance yesterday, calling Barclays it appears they've taken 33 x £8.99 over the last 3 years, whether my stupidity or not my blood is boiling at 3am

I tried to submit a refund request through their website but get a '404' error so that don't even go through,

They don't seem to have a number that can be called and although Barclays are going to try raise an 'Indemnity DD case ' what ever that maybe, I need to devote some time to making known that I must have been misled and certainly haven't benefited from what ever service they provide for almost 3 years.

Advice on what plan of action I should take guys and with whom,

Failing any refund with Barclays I may as well take the train down to where ever their offices are and let them know exactly how I feel about them taking advantage of peoples financial difficulties when they are at their weakest, I may have applied to some payday loan and unknowingly agreed to their subscription but how can anyone justify an ongoing charge like this beats me.

To those who feel its my own fault, so you know I have at least twice checked with bank all the direct debits I have set up in the last year, and it appears the reason why it didn't get picked up is because the charge was the same as a mobile phone insurance policy, because the full company name isn't shown on transaction, it was never high lighted however Barclays can't guarantee my cash back because I've had at least 2 unpaid charge backs which are seen as me being notified .

Not happy

Imran Ahmed"

I've just discovered 'Postnet t/a L' appeared under my direct debit list by chance yesterday, calling Barclays it appears they've taken 33 x £8.99 over the last 3 years, whether my stupidity or not my blood is boiling at 3am

I tried to submit a refund request through their website but get a '404' error so that don't even go through,

They don't seem to have a number that can be called and although Barclays are going to try raise an 'Indemnity DD case ' what ever that maybe, I need to devote some time to making known that I must have been misled and certainly haven't benefited from what ever service they provide for almost 3 years.

Advice on what plan of action I should take guys and with whom,

Failing any refund with Barclays I may as well take the train down to where ever their offices are and let them know exactly how I feel about them taking advantage of peoples financial difficulties when they are at their weakest, I may have applied to some payday loan and unknowingly agreed to their subscription but how can anyone justify an ongoing charge like this beats me.

To those who feel its my own fault, so you know I have at least twice checked with bank all the direct debits I have set up in the last year, and it appears the reason why it didn't get picked up is because the charge was the same as a mobile phone insurance policy, because the full company name isn't shown on transaction, it was never high lighted however Barclays can't guarantee my cash back because I've had at least 2 unpaid charge backs which are seen as me being notified .

Not happy

Imran

Thanks the more the merrier my guess at present (not sure until I get time to collate all the data) that there is over 30 names/cases so far.

Hi

I can mail some automated messages they leave if you like?

Got a response from the OFT... Generic one stating that they'll look into MMF for me if enough people moan about them.

 

They've got a CCL which I can post up the number here for too...

MMF been calling my work line too for a couple of months after they had said they removed all details - I want to record a call into them now but please send CCL number

Have you complained to their data controller and given them 14 days to sort it? Have you issued a dispute with the cra`s and the ico.

Hi

I am in similar position with Mini credit, they dont do a great job of providing methods of contacting them - How would i send a letter to the Data Controller and what is their responsibility ?

Reporting a card stolen when it isn't apart from being wrong, wont work as any new card will still be linked to the same account and the CPA wont be cancelled.

Report card a compromised by xxxxxx and require the bank in writing not to allow any further debits from the particular creditor.

Will draft letter tonight and see how it goes, thanks for the input guys

If anyone has any problems with Barclays allowing payments after CPA has been cancelled email - paul.maddox@barclays.com.

 

I emailed him and all money was refunded, they even gave me a good will gesture payment.

Has anyone got another email contact for Barclays, it seems Paul Maddox is no longer there getting an 'invalid' response today.

Its only been a couple of weeks since getting posted - Any help would be appreciated as my branch manager has always got excuses

hi was just wondering if anyone else has had this email from mh its a new one to me and just wanted to know if its a new automated one....

 

You need to start making payments as a matter of urgency.

 

It is quite simple. The more you pay and the more quickly you make payments the more we will be able to drop the fees that have been added to your file.

 

You currently owe including all fees 2941.

 

This will CONTINUE TO RISE as it goes to your Local County Court via Marshall Hoares Baliffs.

 

We would prefer to come to an amicable arrangement so we suggest that you INFORM US TODAY OF THE AMOUNT you will be able to pay and when.

 

Any payment offer which is too low will simply lead us to go automatically to Court to secure repayment of the debt. We will apply for a Warrant to seize goods or an attachment of earnings. WARNING: This judgement will affect your permanent credit file shared by all lenders, affecting your ability to borrow in the future.

 

Remember, the more you pay and the more quickly you pay it, the less work we need to do in monitoring your file and therefore themore we can reduce the fees added.

 

Act now and we will be able to stop your credit file suffering any further.

 

If we DO NOT HEAR from you today then we will have no option but to take this through your local County Court. We will seek a Warrant of Execution to instruct Bailiffs to seize goods and seek an attachment of your earnings. You will be liable for full fees and further Court and Bailiff costs.

 

Act quickly to avoid extra costs.

 

Yours faithfully

 

Charles Hower

 

Door Collections

 

Marshall Hoares Bailiffs

 

Telephone: 0843 381 1111

 

(248)

 

The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.

 

The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.

 

Marshall Hoares Bailiffs Limited is a company registered in England and Wales whose registered address is Marshall Hoares Bailiffs Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number 06871092. Marshall Hoares Bailiffs Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 631168.

 

We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.

Hi OHH just wanted to know how you getting on with Marshall Hoares as I got the same mail today, £400 become £1100 so far, and I had what looks like intentional errors which others mentioned too like address and no '£' besides the figures, know there's a reason but can't remember why?

Good luck

J'

BY LETTER AND EMAILReference: BAILIFF/INTR/17341621Client: Speed Credit - Speed Credit Loan***Client Ref:*17341621Date:*13/04/2013Dear Ahmed,We are writing to give you formal notice that Speed Credit has legally engaged Marshall Hoares Bailiffs to recover the above debt. This means that Marshall Hoares Bailiffs Limited will now handle all recovery.Our records show that you have failed to make payments / not come to an acceptable payment arrangement/ not responded to correspondences / when agents have visited your addresses you have not answered.*We intend to pursue you fully for all outstanding sums including any fees we incur collecting this debt. Payment of 1159 must be received in full no later than*13:00*SEVEN days from 13/0 4/2013*TAKE NOTICE: You should accept this letter as formal notification that unlesspayment is received within 7 days*then your account will be considered for the following:*Consequences of inaction:1.*Court Action*legal action may be started in the County Court (or Sheriff Court if you are in Scotland) for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay.2.*Warrant of Execution*or its Scottish equivalent will be applied if we successfully obtain a County Court Judgment or Scottish Decree for to enable us to seize goods at your addresses and or an attachment of your earnings.3.*Register of Judgements*any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them t o credit grantors and others seeking information on your financial reputation. This will make it very difficult for you to get credit.4.*Credit reference*Speed Credit have already advised the Credit Reference Agencies of your Default. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as "Default Satisfied".GeneralIF YOU ARE NOT SURE WHAT TO DO, YOU SHOULD GET HELP AS SOON AS POSSIBLE. FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STANDARDS DEPARTMENT OR YOUR NEAREST CITIZENS’ ADVICE BUREAU.Yours faithfullyYours faithfullyDoor CollectionsMarshall Hoares Bailiffs*Telephone:*0843 381 1111The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email.*The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statements or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing.Marshall Hoares Bailiffs Limited is a company registered in England and Wales whose registered address is Marshall Hoares Bailiffs Limited, 15 Lyndhurst Terrace, London, NW3 5QA, United Kingdom. Company registration number06871092. Marshall Hoares Bailiffs Limited is licensed by the Office of Fair Trading under Consumer Credit Licence number 631168.We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software.*

Ignore it. That company is currently under investigation. If anything report them to the OFT and include that letter.

Hi Renegadimp /All,

26/02 I disputed charges to speed credit and in little over a month it's now with MH bailiffs as of today, receiving the same mail below as others, I'm going to complain to OFT, but do you think I should make token payment or say deal with my DMP (SC/NDR declined dealing with 3rd party of installments)

They tried calling and text both my work mobile and personal today, I need get them to stop calling my work mobile as its a concern but not sure what to quote or handle?

Hello Darkglobe. Welcome to CAG.

 

If anyone calls you a ****** or any derogratory name, report them. There is NO place for that kind of attitude on CAG.

 

As for minicredits attempts to add on charges, send them a letter to their registered office and deny any and all liability for the charges. They are unenforceable and are considered unfair under OFT guidance on debt collection. Minicredit are very well known for adding on fake charges purely to hike up the debt as a profit for themselves.

 

Now on to your questions.

 

1. You are correct with the statement about the charges being unlawful. Ignore their threats. They will not even venture within 50 miles of a courtroom as they dont want a court to see the false and borderline illegal charges they have added on. The letters they send are designed to scare you into complying with their silly demands. I would suggest making a full complaint about their actions to the OFT as this company are currently under heavy investigation and could lose their licence in 2 months time. I would also advise filing a FULL and FORMAL complaint with minicredit. It doesnt matter if the complaint falls on deaf ears with minicredit, the key is to get the complaint in so you can start the 8 week timer and get the ombudsman involved.

 

2. You are under NO obligation at all to supply a LOW PRIORITY creditor with any I&E information. Same with payslips and bank statements. THey have no legal right to see them and only a court can order them to be shown. Even when a court does order them, the creditor wont get to view them. The court will simply use them to come to a judgement. As this debt wont go near a court, you dont have to worry about all that Also, dont start getting worried about jail and fraud. It wont happen.

 

CAG doesnt condone what you did, but whats done is done, and we can help you. The best way is to stick to your guns, contest all the charges and DONT supply any I&E information.

 

The ONLY money you actually owe is the original loan, original interest for the contracted loan time, and a single default fee.

 

Work out an I&E for yourself, but do not show it to anyone. Since you are on benefits, they only get £1 a month no matter what they say or do. Don't tell them about what you have done, just say you are in financial difficulty and you want all the unenforceable and unfair charges removed, and you will pay them £xx a month. Should they refuse, then you will have no choice but to pay them £1 a month for the life of the account. Dont worry if they try and say they will add on extra charges and interest, as all this will be unenforceable too and a direct breach of OFT guidelines.

 

 

Hope that helps you a little darkglobe. If you have any questions, dont hesitate to ask.

Dark globe that's some great suggestions, i had £150 loan from mini credit last year and within a month it went up to £1k,despite trying to get help from debt line they refused to deal with any 3rd party and without notice continued trying to take cash from my account multiple times a week and twice on some days, eventually some how Barclays processed their request and even though I didn't have an over draft facility, the day before my salary a £1150 plus some £25 charges showed up. Despite calling Barclays 4 tomes that night they said they could do nothing to help, if I had signed any agreement with mini credit I couldn't get my cash back.

Real bad experience but now wish to fight back, who do I take on and how?

Hi Crocdoc

Great info and exactly the sections I need to support my case, only issue is i don't have written evidence of my cpa /DD cancellation request before payment were taken but all done over phone which although the above quotes you can cancel cpa by any method, only thing I think that may help me is that when I asked for every thing to be cancelled, i also got new card, it was then another 3 weeks before mini credit took first payment of £25 followed £1250. I don't have over draft yet these charges showed as a minus day before salary and even when I called then I was told I could not stop it as it hadn't gone through yet. I know this is unlawful but how do I fight it?

Hi Michael

Can I ask what was the outcome as I'm in similar position?

Hi

I'm in similar position and posted a thread earlier regarding best course of action, you think it's ok I go through Paul Maddox too as I got no where with local branch and i didn't get a receipt so only got lengthy phone records with India call centre so fear my case maybe weaker?

Don't want let them get away with it as the original debt if £150 ended up costing me £1250 compliments of mini credit who drove me mental last April.

Any thoughts?

Hi DX

Thx for taking the time to respond, could you explain how obtaining data held via SAR would help please?

Any other suggestions on how to approach seeking compensation be appreciated too, I hope to make a few recordings over next few calls to both bank and collection agencies so any tips from anyone would be great

Regards

I'

Hi

I tried multiple times to get payday loan CPA's cancelled after they first got £25 pm from my Barclays Account 2 months in a row on day of salary,

and then getting £970

after I had spoken to Barclays and best they could do was change my debit card,

I didn't have an over draft facility on my current account yet the minus - £970 had shown online day before salary was paid in,

being half my cash and really now in stress

I was then told all I could do was raise a dispute but if I had signed any agreement with the lender I was liable,

the dispute form they sent me meant either I would have to lie and say I had no dealings to get cash or as I chose to do was not return it.

Following a watch dog programme in Dec regarding this issue I called again and this time I was told cpa can be cancelled

and if the staff didn't help I could still get my cash back,

but they sent me exactly same dispute form which leads you into answering they way they want,

soon as I say I do know who the lender is i will lose.

Now having done few months of research I really wish I had recorded the calls as I believe I most definitely would have a case to fight,

so the best evidence I could provide are dates and times on the numerous times I tried to discuss this issue.

I should add that I had set up a DMP with debt line at the time who out of 5 creditors they had sent letters

I could have downloaded myself, only 2 had agreed installment repayment plans,

this creditor Mini credit aka Micro credit aka Speed credit has refused any arrangements with a 3rd party,

original loan was £125, in total they got £1250 in space of a few months.

I went through long term sick period due to stress and depression something I felt would never affect me,

and due to all this financial burdens got the better of me,

now i have regained a little confidence I feel ready to first take on Barclays

and then Debt line

as I believe they failed to act in my best interests over the course of 1 year,

with my account going through several a/c managers hands and really doing nothing in getting interest and charges to stop,

calls, letters and emails including to work after I had asked for help in getting those stopped,

and then after a 6 month break whilst off work and in hospital etc said I would have to restart my plan

because the old one with 6 continuous monthly payments had been terminated,

they seem to have kept over 50% in management fees when agreement states 15%

Anyway think that's enough for now, if anyone can help and advise before I start some action would sincerely appreciate.

Regards

Imran