i have never been a virgin customer. i used to be a customer of ntl but left to go to aol. i paid all monies owed to ntl because aol used the same cable and called ntl to obtain the mac address and check the account had been cleared. i have sar'd virgin who sent out statements the statements show last payment made £201.00 it was then removed a few days later and a credit of 30.00 put on. i have explained to virgin its wrong, also they have no credit agreement (to virgin) and cannot supply one for ntl, they have no permission to use my data. also the billing time was 2001/2002, i have explained the time limit, they cannot tell me why no one from ntl or virgin or anyone acting on their behalf has contacted me about this before. my last letter has not been answered. should i now make a formal complaint to trading standards or do you suggest someone else. all i want is cable internet, i even offered to pay 1 years worth of monthly subscriptions upfront, but they refused. i have bt broadband with a top download speed of 60k despite it costing me 45 pounds per month bt cannot improve on the speed.

halifax wont, they just say the law doesnt apply to them.they have taken 100% of my neighbours benefits leaving her no money to feed her two children or put electricity or gas on her meters. ive brought her food and gas and electricity, and now have any future benefits paid into a different account. they have also put charges onto her account making her over her overdraft amount, then charged her for going over her overdraft. war has just started.

sorry for jumping in but im looking at the same thing as jamesx81x ok so you have to give them permission to use your data, but what if you revoke that permission. i have just spoke to the information commisioners office who tell me i have the right to revoke my permission, but she could not tell me if there is any comeback should they continue using it.

paypal are not regulated by the fsa (had a major problem with paypal fsa told me they couldnt do anything about it) would not touch them again

its funny i told them i was recording the call they refused to speak to me.

the background i entered into an agreement with the coucil, who bundled all my council tax arrears into one amount including £75.00 costs and i pay a set amount each month for 17 months. i recently recieve an agreement from them that is completly different from the original agreement entered into some 9 months back. i made sure ALL outstanding amounts and the current years tax was included in the original, the new agreement is for 12 payments starting jan 08 also included is another £75.00 costs. my question is the £75.00 costs anyone know what this is for could i treat this as the bank costs, in so much as if the charge for the costs is greater than the actual amount of the costs would this seem an unfair charge? i have written to the council for them to explain why they sent the new agreement and asked them to explain the costs and why i am being charged again when all can see that would have cost them, is 1 letter and 2nd class post. by the way i have paid all payments as agreed. i hope someone can shed some light on this and i will let you know what they say when i recieve a reply. p.s it is not court costs as they whereincluded in the amounts owed before the £75.00 costs

I would write to the cra and tell them you are not gone away as the debt is over 6 years you wont have any come back from this and your letter should be filed as well as the gone away note

If you have not recieved the information from work by the time of the hearing you do not need to answer any questions asked at the hearing. they are supposed to provide this information before the hearing allowing you enough time to respond to the points raised. if you recieve this and they then ask questions not in the information you do not need to answer them. always take someone with you, give them a pen and paper and ask them to write down what is said if they are a slow writer slow the meeting down to make sure they get everything. do not be pressured into agreeing to anything you dont agree with. do you have a terms and conditions of employment/staff handbook if so read up on disciplinary action. have they followed proceadures correctly. although you might not feel like it i would suggest always fighting tooth and nail in circumstances like this, although the outcome will probably not change you may recieve a offer to go.

I have accepted nat wests offer of settlement as my circumstance dictates. but i believe they are paying me without taking the balance on the account off before payment £2400.00 od (the balance is made up of 100% charges) if they do pay all the money to me, am i still liable for the bank charges or would full and final settlement apply to both parties. thanks

I have a pre paid mastercard accepted just about everywhere i get charged 4.95 per month and its working well for me you can have salary paid in or top it up at the post office, i got it from mycashplus dot co dot uk no credit checks read all the terms and conditions to make sure its ok for you. i know i need to pay 4.95 per month and i budget for that so far ive not had any other charges.

i currently have aol through the old ntl cable and have done for years, i pay 14.99 per month i recieve unrestricted downloads free customer support and all the other stuff aol gives its customers, i recently wanted to take them up on the ;laptop offer as this was through a telephone cable and was told it was a 24 month contract and 39.99 per month and a 5 gig download limit i politely told them no i will stick with what i have already.

Charles Howard and partners (ccs collections) 2nd Floor, 797 London Road, Thornton Heath, Surrey, CR7 6YY Your ref ooooo 03/10/07 Dear Sir. I acknowledge receipt of your letter dated 2 October 2007 and submit this letter by return. Firstly although I am aware you are part of ccs debt collection who have treated me most rudely and aggressively and will receive the same in return, however I am prepared to discuss this issue with you by way of letter unfortunately for you there will be no different outcome. I will explain to you in as much detail, my position on this matter and allow you to make any decision you feel necessary, but I will not pay you, ccs or nationwide one single penny for the reasons I will explain. Firstly This account is in dispute and has been for several years as the charges were levied on the account after it was closed therefore, as this account was in dispute when it was sold/assigned to you, I understand that neither you, nor the original provider, should be pursuing me, or perhaps you would clarify under which legal grounds you feel you are acting in continuing to pursue. Secondly On the 28th April 2007 I wrote to Nationwide and requested statements and information held with regards to the data protection act, (copy enclosed) and stated if I discover that they have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. This was responded to with a single a4 sheet of paper listing charges totaling £0000 (copy enclosed) this is not complying with the data protection act and on the 24th June 2007 I wrote to Nationwide giving them 7 days for them to send the required information,(copy enclosed) unfortunately I failed to keep to my time limit and have since filed a formal complaint to the Information Commissioner’s Office with regards Nationwide, together with a formal complaint against ccs to the trading standards with a copy of this letter at their local office Trading Standards Mid Surrey Area Office Bay Tree Avenue Kingston Road Leatherhead Surrey, KT22 7SY As you should not be pursuing a disputed debt. Thirdly Take notice I will vigorously defend any court claim you may decide to take, with a counter claim for £0000 plus subject access request fee £10.00 plus costs. Therefore I would like to give you the opportunity to do the right thing and send this account back to your client and inform them it is against the law for you to pursue this debt, as I’m sure you know. Furthermore please make it known to the telephone monkeys, that I record all my calls both incoming at outgoing and I will keep records of all text messages sent, as evidence of harassment should you fail to comply with my request. When I receive the paperwork from nationwide, as I’m positive I will now I have complained to the Information Commissioner’s Office. I will contact them direct and offer them the chance to close the account with a nil balance, should they fail, I will complain to the Financial Services Authority and the Banking Ombudsman, and action through the court if necessary to recover the disproportionate charges. I hope with the information supplied, you will see, this is not a case with which you will see any success and your time would be better spent hounding some weaker member of society. Yours sincerely, K65 since 1965 posted 04/10/07 recorded delivery number DL00000000000B

i closed an account at nationwide in 2003/4 now theres 500 quid charges on it. i S.A.R - (Subject Access Request)'d nw and recieved a a4 sheet of paper showing the charges nothing more as this cost me ten quid i have now complained to the Information Commissioners Office to get the proper paperwork. i have been getting hassle from the monkeys at ccs and i have had some fun playing with them on the phone,but today recieved a very nice letter from charles howard and partners since 1975, so i sent them a nice letter Charles Howard and partners (ccs collections) 2nd Floor, 797 London Road, Thornton Heath, Surrey, CR7 6YY Your ref ooooo 03/10/07 Dear Sir. I acknowledge receipt of your letter dated 2 October 2007 and submit this letter by return. Firstly although I am aware you are part of ccs debt collection who have treated me most rudely and aggressively and will receive the same in return, however I am prepared to discuss this issue with you by way of letter unfortunately for you there will be no different outcome. I will explain to you in as much detail, my position on this matter and allow you to make any decision you feel necessary, but I will not pay you, ccs or nationwide one single penny for the reasons I will explain. Firstly This account is in dispute and has been for several years as the charges were levied on the account after it was closed therefore, as this account was in dispute when it was sold/assigned to you, I understand that neither you, nor the original provider, should be pursuing me, or perhaps you would clarify under which legal grounds you feel you are acting in continuing to pursue. Secondly On the 28th April 2007 I wrote to Nationwide and requested statements and information held with regards to the data protection act, (copy enclosed) and stated if I discover that they have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. This was responded to with a single a4 sheet of paper listing charges totaling £0000 (copy enclosed) this is not complying with the data protection act and on the 24th June 2007 I wrote to Nationwide giving them 7 days for them to send the required information,(copy enclosed) unfortunately I failed to keep to my time limit and have since filed a formal complaint to the Information Commissioner’s Office with regards Nationwide, together with a formal complaint against ccs to the trading standards with a copy of this letter at their local office Trading Standards Mid Surrey Area Office Bay Tree Avenue Kingston Road Leatherhead Surrey, KT22 7SY As you should not be pursuing a disputed debt. Thirdly Take notice I will vigorously defend any court claim you may decide to take, with a counter claim for £0000 plus subject access request fee £10.00 plus costs. Therefore I would like to give you the opportunity to do the right thing and send this account back to your client and inform them it is against the law for you to pursue this debt, as I’m sure you know. Furthermore please make it known to the telephone monkeys, that I record all my calls both incoming at outgoing and I will keep records of all text messages sent, as evidence of harassment should you fail to comply with my request. When I receive the paperwork from nationwide, as I’m positive I will now I have complained to the Information Commissioner’s Office. I will contact them direct and offer them the chance to close the account with a nil balance, should they fail, I will complain to the Financial Services Authority and the Banking Ombudsman, and action through the court if necessary to recover the disproportionate charges. I hope with the information supplied, you will see, this is not a case with which you will see any success and your time would be better spent hounding some weaker member of society. Yours sincerely, K65 since 1965 posted 04/10/07 recorded delivery number DL00000000000B lets see what they say

thanks gotta admit im pm laughing tickled me pink it did

i have just had ccs on the phone for reasons unknown. i never talk to debt collectors on the phone and wouldnt answer her demands for name etc. she said "its ok you [EDIT] scamp, we will call back". :D must of upset her. debt collector of the year award mmmmm dont think so. as you can probably guess im now writing a letter of complaint to ccs and the trading standards.

some one who knows how to word it proper should start a petition online asking for the practice of buying and selling old debt to be outlawed, if and when a creditor writes off the debt that should be the end of it. i liken the second hand debt business to trading in body parts

despite being a conference hearing i attended court as i had no correspondence from cobbets, i was surprised to find cobbets had sent a boy to represent them. after we each stated our case the judge decided to allow the stay, however cobbets boy wanted to stop me appealing against the decision stating it was a waste of courts time etc. my arguement being that defence had not followed the oft waiver and i had not at that time submitted evidence to prove hardship as it was cobbets show. the judge said although i had a good aurgument for my case cobbets was slightly stronger so he allowed the stay but has allowed me to submit an apeal. however i may decide to accept the banks offer (still valid i assume) it would mean a difference of £2000.00 less. But it would remove £5000.00 in debts. once my head ache has cleared i will make the decision

if you have pod's for these letters (proof of delivery) i would write stating there failure to respond to your letters will be used in any defence you may need to submit,enclose copys of the proof of delivery.

i dont push anything then most of the time get a human in minutes

congratulations

i will dig a bit further into this later possibly tomorrow as i am preparing to attend court on friday and need to get my own paperwork in order regards k65

i think it is the consumer credit act 2006 section 49 Failure to comply with information requirement After section 36D of the 1974 Act (inserted by section 48 of this Act) insert— “36E Failure to comply with information requirement (1) If on an application made by the OFT it appears to the court that a person (the ‘information defaulter’) has failed to do something that he was required to do by virtue of section 36B or 36C, the court may make an order under this section. (2) An order under this section may require the information defaulter— (a) to do the thing that it appears he failed to do within such period as may be specified in the order; (b) otherwise to take such steps to remedy the consequences of the failure as may be so specified. (3) If the information defaulter is a body corporate, a partnership or an unincorporated body of persons which is not a partnership, the order may require any officer who is (wholly or partly) responsible for the failure to meet such costs of the application as are specified in the order the whole thing is here it may be usefull to read more of it Consumer Credit Act 2006 (c. 14)

irrespective of the type of debt the dca have regulations they must follow the above regulation (from the oft) is what the dca must follow

i think i will nominate, i will send one blank sheet of paper and a note saying . sorry i could not name ONE dca who has not used dubious, underhand, sly nasty, intimidating actions, dca are, by their very nature, parasitic like and should be treated in the same way as most parasites. (i have said this as mildly as possible)