paulh1818
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Hi. I was silly enough to take a loan with lending stream a while back and now it has been passed to Motor Mile Finance. They wrote to tell me I should call them to make an appointment for one of their agents. I wrote back with the 'doorstep collection' letter. Now, they have written back with this.. ''NOTICE OF VISIT WITHOUT APPOINTMENT Despite our request you have failed to provide an agreed appointment date and time for one of our agents to make a home visit. As such your account has been placed on our HOME VISIT SCHEDULE and an agent will be visiting your address in the next 7 days. They will also make a report on your LIVING STANDARDS and any assets THAT MAY BE AVAILABLE FOR SEIZURE should this matter be passed to our solicitor for legal review.'' Just for the record, I am not in the least bit worried about this because I know it's a load of hog wash but this would scare the living daylights out of anyone who wasn't aware of how these companies operate. Still, I don't know who the heck MMF think they are! How should I respond to this? Should I even bother responding to this? Thanks Paul
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Wescot-Address Verification my old Lloyds credit card
paulh1818 replied to paulh1818's topic in Lloyds Bank
Hi Damselfish. No further update on this yet. Capquest said they'd be back in touch with me in 3 months and its been about 4 months now. I sent a cca to westcot back in 2010 and received nothing back. I haven't paid a penny since and it has been passed through a few dca's. I'm not sure if you can send second cca request for the same debt and if you did you probably would just get a copy of the 'lloyds' cca. I assume you have checked that the agreement you received is enforcable? Hopefully someone with more knowledge than me will give you some proper advise. -
Wescot-Address Verification my old Lloyds credit card
paulh1818 replied to paulh1818's topic in Lloyds Bank
Ok. Ive been playing letter tennis with capquest about the info from lloyds but today I finally got a proper response from them. They say that lloyds informed them that my dispute is with wescot (My cca request was sent to wescot back in 2010) and I should contact wescot myself directly regarding this. They also say that they are still waiting for the documents (ie. cca) from lloyds and accept that the account is unenforcable until lloyds come up with something. The account is now on hold for 3 months to allow time for this and allow time for me to contact westcot. I'm quite happy to just wait it out but I just don't see why I would need to contact wescot. The dispute was regarding the cca which capquest are now dealing with. -
Good luck Brig and thank you for all your help advice.
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Wescot-Address Verification my old Lloyds credit card
paulh1818 replied to paulh1818's topic in Lloyds Bank
I sent the bemused letter as advised and I thought capquest had given up too. But I have a letter from them today- 'We are writing with reference to your request for further information in relation to your above account. We can confirm we have requested this information directly from Lloyds banking group, however we are still awaiting a response. Your account is on hold, and if interest is being applied this will be frozen.' They go on to say they'll advise me of the situation in 28 days if still no response from lloyds. I'm quite looking forward to see what lloyds will come up with. -
Wescot-Address Verification my old Lloyds credit card
paulh1818 replied to paulh1818's topic in Lloyds Bank
thanks. letter is on its way -
Wescot-Address Verification my old Lloyds credit card
paulh1818 replied to paulh1818's topic in Lloyds Bank
I really thought I'd seen the last of this one but no. The account has been sold to Capquest. Here we go again lol! -
Hi. I have a debt with o2 which has been passed to scot call. I will make an offer of payment to o2 but scot call are saying they will make a personal visit. I have sent them the template letter to stop them but they have responded with this... ''I write in response to your recent correspondence. The case you have referred to is not applicable to your circumstances. As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. Therefore the license you state that has been revoked is irrelevant, which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such. Please advise if you will be making payments on this account. Regards S White '' Any advice as to what I should respond with would be much appreciated. Thanks Paul.
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power2contact are allowed to visit me! mobile debt
paulh1818 replied to paulh1818's topic in Telecoms - mobile or fixed
Okay. Thanks for all the advice. I did ask them provide me with a copy of the legislation or clause that gives them the right to call at my home. Todays response... 'In regards to your comment requesting a copy of the specific legislation regarding a doorstep visit. Please be advised that we are members of the Credit Services Association and we therefore adhere to all of the OFT guidelines. I can confirm that...' they then seem to have done a cut and paste of the first response I included in the first post on this thread-word for word. They finish the letter by saying that this is their final response. -
The response you received that starts 'You are not correct in your assertion that, under OFT rules we can only call at your home if you agree to make an appointment. etc...' is exactly, word-for-word, the same response i got from credit solutions/power2contact regarding a mobile phone debt. Im thinking that this is now just another template that dca's are using as a response. Maybe they managed to organise a meeting. lol.
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Hi. I have a mobile phone account that I have been unable to pay. I have no real reason to dispute the account and will probably make an offer of payment shortly. However, a had a letter from power2contact saying they will visit me at my home. I sent the template letter from cag to stop them knocking on my door and they responded with this... 'You are not correct in your assertion that, under OFT rules, we can only call at your home if you agree to make an appointment. In law, a creditor is in a different position to a postman or a member of the public asking directions. When you opened this account, you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. We will not disregard any reasonable requests you make as to the timing or method by which we have those discussions. Unless we hear further from you with such a request, a doorstep visit may still be a viable option for us to discuss the repayment of your account.' I am not really worried about this. It's just that I don't want them at my door. I have sent the template letter before regarding other debts and they have just accepted it.
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Are the massive charges enough to put the account into dispute?
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I have an email from them that lists all the charges...
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Hi. I was stupid enough to take a loan with Minicredit a while back. It is now with their in-house dca OPOS. I borrowed £100 but apparently I now owe £975. I've been playing email tennis with them for a few months now. I told them I would only make payments to the original amount plus interest which comes to £245. They said they would accept this amount as a F+F if it was paid within 14 days. I couldn't to pay it all at once so they are insisting on having the lot. The rest of the amount is made up of £80 penalties, £100 debt recovery and £640 debit attempt fees! They charge £5 every time they attempt to take money from your bank account! As well as all this, I checked my credit file today and the default registered is for £440. Thanks for any advice.
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I wont be paying more than I already am and I never had any intention of giving them any of my details. The standing order will remain unchanged. And I have just this second had the automated call from 'Mike'. lol! I just couldn't believe the cheek even asking for my card details.
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All I have is an email from wageday... ''Dear xxxx Account Transferred to Debt Recovery Agency Your account is now being handled by Motor Mile Finance UK Ltd who are acting on our behalf. I would ask that all further correspondence regarding your account is addressed to: Motor Mile Finance UK Ltd, 83 Bradford Road, Protection house, Pudsey, Leeds, LS28 6AT All future communication should be made with Motor Mile Finance UK Ltd and any queries sent to Wage Day Advance will be passed onto them to deal with.'' Then an email from Motormile... ''Dear xxxx, NOTICE OF LEGAL ASSIGNMENT OF DEBT Re: WageDayAdvance - Debt Assigned to Motormile Finance UK Ltd We hereby give you formal notice of legal assignment of the above debt. Your debt has been assigned to Motormile Finance UK Limited ("MMF") from WageDayAdvance. All default interest and collection charges have been frozen from your account for 7 days. If the account remains unpaid after this time, we will add default interest to the balance which will significantly increase the debt. Call NOW to benefit from this offer. Please contact us as a matter of urgency to resolve this matter, where one of our operatives will be happy to assist in finding a solution'' I took this as meaning that wageday own the debt while motormile are acting aon their behalf. Maybe I'm wrong? Either way, they'll get their payment next week. should I make a formal complaint to Motormile before contacting the oft and ts?
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I have a response fron wageday. Motormile are the legal owners of my account and I must resolve the matter with them.
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Ok thank you for your advice.
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My standing order with motormile is still in place. The next payment is due next week. Would I be better letting the payment go to motormouth or should I now insist that I pay wageday directly?
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Just had another email from motormile saying unless the arrears are paid my instalment plan will lapse. seems as if they don't know what they are doing now. I am just waiting for a response from Wageday now...
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ok thank you.
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I was stupid enough to take a payday loan with wageday advance. I have not cca'd them. They sent me a email a while back threatening a doorstep visit so I emailed them the template letter from cag. They ignored it and turned up anyway. Luckily I was out but they posted a letter through. Should I respond to them or send a cca request? I will definatley be in touch with the OFT about this.
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Hi. Motormile have ignored all my emails to them so I took the details from their website and set up a standing order for £5 per month. I missed a payment last month so I emailed them to say I'd pay £10 next month to make up for the missed payment. I then received the following email - 'Thank you for your email on 19/11/2012. Due to the fact that you missed your payment there is a broken arrangement now, hence, further collections activity will incur on the account. MMF have reviewed your account and here are a few options for you to avoid any further legal action: Offer 1: we will accept 60% of the balance - £115.35 Offer 2: we will accept 70% over 2 equal instalments - £67.29 per month Offer 3: we will accept 85% over 4 equal instalments - £40.85 per month The above offers are available on the proviso: · The payment is made via debit card · The first payment is received in November · The payment plan or settlement figure to close the account is set up for a date in this month by Friday 23rd November 2012. Please fill out the below details in order to setup the arrangement, Please note that default interest may be added to the account which you will be liable for until a valid payment plan is put in place. Card type: Card number: Valid from: Expiry: Last 3 security digits: Date of payment: 28th November 2012 Amount: Whatever offer you accept Failure to email me back in regards to which offer you accept then your account will be transferred to the litigation department for legal action and you will get an unexpected visit from one of our doorstep agents for which there is an additional charge. Also, by setting up a standing order without agreeing something with us is not a payment plan.' So it appears that because I missed a payment, they now think they have the right to theaten me by phone, email and at my own front door. Any advice on how to respond to this email would be appreciated. Thanks. Paul.
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Reliable Collections chasing OH's JDW cat debt
paulh1818 replied to paulh1818's topic in Mail order catalogues
Oh i forgot to say, they also said in their letter that they are not upholding the part of my complaint that relates to the phone calls because they removed my numbers from their system when I requested and no more calls were made. This is a porky because I did receive more calls at work. Also, they only used details that I willingly gave to jd williams at the time I applied for credit. This is an even bigger porky because I was unemployed when the account was opened so how did they come across my works number? Oh well. It doesnt really matter now. Just glad to see the back of them! -
Reliable Collections chasing OH's JDW cat debt
paulh1818 replied to paulh1818's topic in Mail order catalogues
I would have been happy to make payments to this had reliable/jdwilliams removed the charges, but they insisted. And now its game over. Thanks again.
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