If I was to cancel direct debit and go through the process of challenging Omni capital would be worth dragging myself through the mud ?

It’s an informal part of the course. I guess I should have approached it more scepticism

Yes unfortunately it’s looking this way

Hi In October 2021 I signed up for an IT course to become a solution Architect. The sales rep kept hounding before getting me to commit. Before I assigned I was assured that I will easily get the job after being certified. Now i have passed, it’s nigh on impossible to get a job in this sector without any experience. Not only the course was overly priced but the course was over promised and they have been least helpful in finding me a job. is there anything i can do? The finance is arranged by Omni Capital

Hi thank you so much that’s exactly correct and I’m sorry for the confusion.

On the 24th November we made an online purchase with Curry’s for Apple AirPods. The order went through successfully and received email confirmation. A day later an email from Royal Mail updating about the delivery. When the due date arrived there were no delivery so we waited for couple of days before ringing Curry’s. Curry’s at that time cancelled and refunded the amount and we then purchased the same item from the store. A week later surprisingly the original order reappeared and mistakenly my wife accepted the order. Unknowingly I was under the impression that I was using the new AirPods not realising it was my wife’s 2nd order from store. I called Curry’s and explained that the cancelled order has been delivered and if they could put the item on a buy now pay later scheme. Curry’s policy is that the items have to returned and new order has to be generated for BPL scheme. They went ahead and arranged a collection with DPD but then I called back customer service if they could allow as it would mean more hassle and loss of time. The second advisor decided to cancel the collection of AirPods because it had been used and any apple wearables is non returnable. So the collection was cancelled and call ended. The same day my wife informs me that the AirPods I’ve been using was the one from the store and not the cancelled item. By this time I felt so embarrassed, so I decided to call customer service back again and explain the whole situation and confusion made by me. I told curry’s I have the cancelled items in my possession new sealed and ready for collection. It’s been 2 weeks I have not heard from them, no email or charge for the item on my account. What should I do ?

Another reply from Moorcroft 65C7492B-D9FB-4B7B-BF06-0D7A045AE42F.pdf

Lol thank you so much for your help. He will be so delighted with your this feedback

These are the newest responses from link 1F3E0409-5806-49DA-B1F5-E92A05B34C0B.pdf 439DB314-C309-4374-B9D8-380213100AD7-converted.pdf

That’s fantastic, we will keep you updated with every letter they send and thank you so much

Hope this works.... this is the first response from link after you kindly helped us draft the first letter back in 28th June Link response .pdf

Thank you so much I’ll write that and send it off and keep you good folks updated

Lol I like that phrase ‘forest’ so we write to Link to update his address? Should the letter be straight forward. by the way my friend says thank you so much as you have given him hope

Sorry that’s typo

The O2 is a mobile contract and he pays that monthly and same with CCF. None of the two are in breach These debt are not sold to any DCA and it does appear on the credit file and there is no other debt beside the 3 Link, O2 and CCF

I’ve just spoken to him, other than an O2 contract and paying Creation Consumer Finances which started 10/12/16 with outstanding balance of £168 he has no other further debt.

Credit Karma doesn’t all these details ? we tried with Experian but due to lack of history we couldn’t proceed ?

this is the information we accessed via Credit Karma scamming reclaim for package account fees! Wow this is getting interesting C04BD1D7-0429-473F-8FD9-17BC96EC4D44-converted.pdf

Dear friend after having a lengthy discussion with my friend - he later contacted his ex to see if there has been any letters sent to him regarding is OD debt. We have no some letter hope this helps Ok thank you so much 0331ED1D-E9C1-43C9-8F1C-A861014582C0-merged.pdf

Thank you so much we are in the process of trying to access his credit file and see what information it holds

Apologies for tiring you out - my friend has writing difficulties and is unfortunately is unable to express his concerns personally. I will get all the above information all at once rather than drib and drabs. please kindly accept our apologies

Yes he has other debts that he is paying. The debt in question he informs me he been regularly paying Via direct debit with the exception of couple months missed payment. Strangely one would assume that he ran away but far from it - the first ever call from Moorcroft made him petrified and complied however with no notice of assigned or any formal agreement in place It has left some doubts the way in which his debts is managed.

My friend has asked once the addresses has been updated with the correct debt owners should any future payments Link cease?

Does he update address via creditexpert?

Thank you so much. Would it advisable for him to cancel his direct debit and ignored any future correspondence from Link for the likes of ? Thank you so much