Hi guys I am helping a dear old lady to try and get her finances back in order. The lady has a massive amount of debt but in reality it's just many accounts with various DCA's. To date I have done all the basic's like requesting NOA's which are now trickling through, I will deal with just one DCA per thread in this case Frederickson's Int' She has 4 accounts with them and have sent off the normal letters and have received back all of the NOA's and their version of statements which include Admin fees. Fred's bought this debt last year and the OC did not send out the NOA or any other letter, just the usual threat o grams I'll only post up one at a time to start so here goes. Account balance is £108.67 with 7 late fees of £12-00 each and will be sending off the letter to reclaim. so in reality the actual debt minus the late/admin fees is just £24.67 Now Frederickson's are being awkward in as much as they refuse to deal with me properly, ( I have a DPA release signed and sent to them) which is not like her normal signature. I have looked in the library for a template letter for Fredrickson's to write of the debt for commercial reasons as this lady has zero money left after paying her Priority debts off, She has serious life threatening illnesses that is now being compounded by the amount of contact these DCA:s are making She has 17 debts totalling £3,500 many with fees most of them catalogue debts but she has from credit cards what would be the best thing for her to do in the long run? Letters sent so far all accounts REQ NOA Prove the debt CCA's all debts next will be the DSAR's all accounts Door step letter Telephone letter Have I missed anything out? Also a note to ADMIN will it be correct to post up each debt separately in the relevant forums? Thx most debts are catalogue 3 credit cards and 1 bank account MM

Hi Everybody I have been an avid reader of threads in this sub-forum but have never posted or commented until now. I had a claim from Northampton Court Bulk, I acknowledged the service, I submitted my defence. MCOL lists my defence as received on the 22nd October. I had sent BC a CPUTR letter and he replied with "contact Lowells with a Section 77-79 request" As I believed there was no actual agreement I sent a "prove it" letter instead. Lowell responded with the last item ordered and when the last payment was received and which catalogue it was. Again it rings no bells, however it is on my credit file as a default so there must be something in it! However 38 calendar days have elapsed since my claim was received by MCOL and I am now wondering what to do or more to the point what BC is brewing up!! I have tried to decipher the CP rules which seem to state that 28 days go by then a reminder to proceed is issued by NCBC which if not answered in 7 days leads to a strike out? Is this true? Any advice would be gratefully received. Thank you in anticipation.

Hi, I would just like some advice about how to get rid of my debt. My original debt was roughly £1300 but now its £2500 because of all the interest they have put on my account. I did contact them advising them of my situation back in 2012 and they wouldn't help me or freeze my charges. Because of them not helping me, i just left it and now i really need to sort it out. My credit is very poor now due to this mess, and i just want it gone from my credit file. what should i do? I can't afford to pay it all back either. many thanks Sarah

Back in December I purchased 2 presale tickets to see Robbie Williams which came to £170.00. These were advertised by Ticketmaster as the best seats available. These were for his first show at Wembley on Saturday 29th June. On the night of the concert we were horrified to discover that we could barely see Robbie Williams on the Stage and the only screen had a large speaker covering 2/3rds of it, so we only ended up seeing at best, Robbie Williams ankles I emailed Ticketmaster who advised that I contact the promoters, Metropolis Music. I heard nothing from them until late on Wednesday 3rd July when I received the following email:- [iThank you for contacting us regarding the Robbie Williams concert on the 29th June 2013 at Wembley Stadium. We are sorry to hear that your experience did not meet your expectations. As with any stadium event there are huge levels of production to create a spectacle for the many thousands of attendees. Every experience is unique and subjective so whilst we don’t share your feelings with regards to your complaint we would like to move forward with this matter. As a gesture of good will we would like to invite you back to Wembley to see the Robbie Williams show from a different perspective – this time on the pitch/unreserved seats in level 1 – on Friday 5th July. If you are interested in this without prejudice offer please contact us and your tickets will be ready to collect from 4pm on Friday 5th July at the guest list – further details to follow. Best wishes Metropolis Music ][/i] Needless to say, there was no way I could get time off work at such short notice and most definitely couldn't afford to pay for additional hotel accommodation. Yesterday I received the following email from Ticketmaster:- [iThank you for your email. I'm sorry to hear that you weren't happy with the view from your seats. As a ticketing agent we sell tickets on behalf of the promoters and all seating information is confirmed to us by the promoter prior to going on sale. The promoter works with the production company to make sure they know where the stage and mixer delays are likely to be at every event and make us aware of any restricted views. Unfortunately even with all the advance site maps the exact location of the stage can never be 100% accurate as the set design is often adjusted when it’s being installed. I can assure you Ticketmaster wasn't advised of any restriction in the viewing from these seats and the tickets were sold as full view in good faith. The promoter of the event has advised it will look into all restricted view complaints personally and has requested we direct all complaints to them. Please contact Metropolis Music directly who will investigate your complaint further. Once again. I would like to apologise for any disappointment caused and assure you of our best intentions at all times. Best wishes, Lee Customer Care Advisor][/i] It seems I'm not alone with my complaints judging by the Ticketmaster reviews. Also hidden away on the Robbie Williams Forum is a very long thread which can be found by going to Robbie Live then Ticketing Issues, Concerns, Questions - DISCUSSIONS (starts from Page 24) How long should I have to wait for Metropolis Music to get back to me. I have read that some people who booked concert/hotel packages have already commenced cashback on their credit cards. As I booked travel and hotel accommodation separately, am I being unreasonable in expecting to be reimbursed for this bearing in mind as I only booked these in order to go to the concert in the first place.

Hi, In March I made JD Williams/Reliable Collections aware of my mental health difficulties, while attempting to negotiate repayment of my debt to them via email. Eventually, they insisted that I call them to discuss things, but I refused and said I would prefer to communicate by email. After that, they stopped replying. To my knowledge, guidelines say they're meant to keep debt in-house for customers with mental health issues. Is this correct? If so, what courses of action are available to me now they've sold they debt to Fredrickson (I don't seem to have received a Notice of Assignment from either party).

Looking for advise please and please don't be so harsh to judge! So I have several j d Williams catalogue totalling balance of about 7k. My partner and I split in December and I was left to cover all household bills rent etc alone. Only on a small wage I fell behind payments and got into massive mess. I finally plucked up the courage to speak to people and sorted out repayment plans. J d Williams accepted my plan to them but the interest they charge me is more each month than my monthly plan so I'm getting nowhere? What do I do I'm trying to sort out my debts but there not helping me

Hi I am new on here and would like to ask some advice with my JD Williams account. Account was opened in 2006 and in 2009-2010 I fell behind with payments mostly late payments. I was on an arranged payment plan at this time, I continued to pay but had late payments. Every month even if I paid a day late a 12.00 charges was put onto my account then a few days later another 12.00 was charged they called them administration charge adjustments plus a service charge of 31.20 was also applied, even though they knew I was having financial difficulties and was on a payment plan. The account balance now is 1139.90 all of which are these charges. After a few letters they have said they will reduce the balance by 450.00 as a goodwill gesture but still leaves approx.. 650.00 which are still charges. I do not know what to do now, can anyone give advice please. Thanks in advance

Hi, Does anyone have an email address for reliable collections? I have a few accounts with them, but dont want to pay a fortune on postage for all of the accounts. Appreciate it.

recieved a copy of a reconstructed cca from cabot this morning with my name and adress handwritten in and no signitures on the cca , the letter from cabot states, we can confirm we have provided a reconstituted true copy of your credit agreement which for the avoidance of doubt complies with the consumer creditregulations 1983 and therefore complies with the obligations set out in section 77-78 of the consumer credit act 1974 were do i stand on this

Hi all, A huge thanks to all the previous posters, and help that I have managed to get from the website so far. I just want a second opinion on the actions I have taken so far,m and further advice on what to do next. Summary: I have had a catalogue with Premier Man/JD Williams for a few years. At the start of this year, I was fed up with receiving admin charges etc for not being able to pay £150+, cos I missed my usual payment of £75. I decided to act immediately, before further charges occured, and I get in deeper than I would like. I wrote to them recorded delivery, enclosing a 'please halt charges, experiencing financial difficulties' letter, and also enclosed a 'SAR' letter (save on the postage). They replied I needed to prove my address, so I replied they know its me, because they are still demanding money at my address, sent recorded as always. Anyway, 2 days after the 40 day deadline (23rd of March 2013) I received a letter to say they were processing my request. I decided they were just stalling me, so have just composed a 'Final letter before action' letter, which I will send on Tuesday now, after Easter hols. I have also tonight emailed the ICO about the 40 days passing, and believed they were stalling, filled out the complaint form and scanned all correspondence to date. I will (attempt) to attach the correspondence, all of which I garnished from earlier posts to this fabulous forum, and just want to ensure that everything I have done is correct really. Also, as I suspect they won't reply within the 7 days, after I send the letter, I just want to keep a note here, for further help in dealing with courts or their reply etc. Your expert opinion, as well as extra help if needed is greatly appreciated Millinx

Hi Folks, I'm hoping some kind soul will point me in the right direction for my next move. I have had an account with JD Williams for at least 7 or 8 years now. Last year, I got fed up with all the 'Admin charges' that were placed on the account, so I wrote asking for a summary of all transactions. Oxendales duly did so and I was shocked to find the charges over the years totalled beyond £700. (I do accept, and do not want to get into the argument that I should have simply not made my payments late. There were extenuating circumstances, including living abroad with the RAF which complicated getting payment on time. I did, at the time, explain this to JD Williams but received no sympathy). Anyhow, I wrote to them, requesting a refund for the charges and received the standard 'get knotted' letter. So I moved on to the next stage, by writing and suggesting that, should they not comply, I would consider taking them to court. I heard nothing for two months, and then, last week, I received a letter from 'Oxendales' 'Without Prejudice' which stated, amongst a lot of waffle about whether the charges constitute penalties, that they are still not willing to refund the charges. Furthermore, they have now removed the credit limit for my account although, naturally, they are quite willing for me to use their company as a cash account. I looked at my account today: The 'available to spend' is now a minus figure The balance is the full amount due The credit limit is £0 So I am now confused. Do I have any more actions I can take? Do I have to go down the Court route? Is this likely to cost me anything excessive if |I do not succeed? And can someone please advise me, preferably with links to any suitable templates? This is for an amount in excess of £700 so I'd rather not let it lie, unless I'm at greater risk of it rebounding on me. Thanks in advance for your advice.

Hi It's been a while since I have had to seek advice but any help now is very much appreciated. I have today received a letter from JD Williams for one of the catalogues they supply, I have a few of them, a nd I have agreed with them a set amount to pay. This was reviewed in November last year and was increased slightly which is what I wanted to do. Today they are saying that for one of the payments they want to increase by 100%! Of course I am shocked and I just want to make sure that I am doing everything right. I have communications with JD Williams via email and I get receipts etc and keep everything. I have today emailed them to say that as my wages have not increased by 100%, in actual fact I have not had an increase for over 2 years, and the fact that I cannot increase my other creditors by 100%, I simply cannot justify this increase and will continue to pay the amount agreed at the last review. Is there anything else that I should be doing at all? Many thanks

Hello, Last year I received a letter from Lowell saying I owed a debt to JD Williams and I sent a "prove it letter" which they acknowledged and then I didn't hear anything for a couple of months. Now I have received a letter saying the debt was sold to them on 20/12/12 which I am sure is a while after their original letter to me, I have unfortunately put the original letter away safely and now can;t find it! Nevertheless this letter saying they bought the debt from JD Williams on 20/12/12 also says that before selling the debt, JD Williams checked their records and can find no reason why it should remain unpaid and they have also included a letter on JD Williams headed paper informing me that JD Williams sold my account to Lowell and advises me of the balance. Is this letter from JD Williams enough proof? I have also received a few emails from Lowell stating " We are not aware of any reason why your debt should remain unpaid. It is therefore very important that you contact us as soon as possible so that we can agree repayment. If you cannot afford to pay back the money in one go we are willing to let you pay this monthly by direct debit. You could be entitled to re-pay as little as £1 per day should your circumstances warrant it. If you cannot afford £1 per day then please let us know what you can afford. Please call an account manager today so that we can bring this matter to a close or follow this link and securely set up a direct debit." Please could anyone advise whether I should pay this or take it further as I am 99% sure I cleared this debt several years ago and have even opened a new account with JD Williams since. Unfortunately as it was such a long time ago I cannot find any of those details. I had a similar experience with Lowell a few years ago when they said they were chasing me for T Mobile debt which I knew wasn't owed so I persevered and eventually they backed down as they could not provide me with any details/proof. Many thanks for any help that anyone can give me Thanks Deb

Hi all, I ordered a pair of jeans for my then boyfriend from Premier Man in 2009. I paid for the jeans using my debit card. I recently carried out a review of my credit history and noticed that they had actually opened a credit account and I'm quite furious. I bought the goods, they delivered them, that was that, I had no intention of ordering from them ever again and certainly did not request a credit account. Although it shows as settled and obviously no defaults, I've been advised by my mortgage broker that it may be looked upon negatively and as I didn't know it had happened, I should look into getting it removed. Is this possible? There is absolutely no mention of signing a credit agreement or being provided with a credit limit anywhere during the order process, except for a bit hidden in the Data Protection notice: "We may also use your information, including shopping habits, to open and run your credit account including payment recovery, fraud prevention and debtor tracing and for our marketing." but it never asks me if I want this or not. I think it's really shady and want to get it removed but I'm not sure I have a leg to stand on. As an aside, I will never order anything from any of their group of companies ever again. I've never known any online retailer to operate in this way.

Back in 1997, I helped my mother who is mentally ill and physically disabled enter a payment plan to help pay her £200 debt off to JD Williams (T/A Ambrose Wilson). By 1999 we noticed that the amount she owed was not going down so I wrote and asked for a full statement which was revived within a couple of weeks. I noted that although they had in fact frozen the interest and had not added any charges all her payments were showing as a debit to the account and not a credit, so I highlighted the transactions and wrote off to JD Williams for an explanation, we heard nothing and time went by and it was forgotten. In 2007 a letter came from Reliable Collections asking for £475 for a debt owed to Ambrose Wilson. I wrote back to them explaining the situation and as we had had no contact from the original creditor for over 6 years then it was Statute Barred, again nothing not confirmation they had received the letter or any follow up demands nothing; and again we thought it was over... Now today 02/11/2012 my mother has had a letter dated the 26/10/2012 from Transcom Worldwide (UK) Ltd threatening legal action if they don't hear anything from her by the 5/11/2012, I have quickly fired off another Statue Barred Letter and posted it via Recorded Mail at 10am today 02/11/2012. Of course after 12 or 13 years there is no way they can take legal action, but I was wondering is there anything that can be done to stop JD Williams/Ambrose Wilson from keep sending this debt out to other DCA's Do I send another SB letter to them or is there another type of letter I have to send to the OC or do we ignore the OC as they have not bothered in 12 years to contact her direct.

We have a dispute with 50+ about the PPI on this account. It goes back a long way but basically, my wife noticed that PPI was on her account and had it removed. In light of the PPI situation we wrote to 50+ and said that since they removed the charges after our complaint they should repay the money. 50+ has admitted that the charge was put on and removed but has no information after 6 years as they have destroyed the info. They have provided a copy of the contract which seems definitely dodgy, I will scan that in and maybe start a new thread. I have asked for a certificate of destruction to prove the fact but they refuse to make any move over the account. I have told them that I will be taking action but they have debarred themselves from any further communication. I have also informed the Collection agency (CCS) that we are still in dispute. Where next? Can I go to the Data Agency about non-provision. Can I make life difficult for 50+, ('cos that's how I feel)? The Baron

A true gent in the music world. Sleep piecefully and thank you.

I took and account out in 2007 with JD williams, and nothing was delivered, since then i have been asking them to sort my credit file out, they can not provide proof of delivery . there is another road with the same name as mine and i wonder if goods went there. they can not provide POD ( because its not been delivered) they are unhelpfull and rude and i must have written to 8 different DCA's, has anyone else had the same problem with this vile company they really need their licence removing!

Hi, I'm Mary I'm new here as a poster but long time observer. I wondered if someone could help me with a situation I'm having regarding JD Williams, I'll try to add as much detail as I can. Firstly they said I owed £573, after I sent them a Unlawful Charges Form and a LBL that went down to £118, So I wrote asking them if I could pay that off £20 a month on the 26th of every month. They wrote to me saying yes with a direct debit form. ... However they tried to take the money out on the 21st twice and my wages weren't in there yet. So then I asked if I could set up a standing order in which £20 would come out every 26th and they agreed and gave me their account details, but they added on more charges for missed payments, also a charge as I only paid £20 instead of what they claim is the mimium of £60, now the debt has gone back up to £207 I have a CCA from them to but it's just a "Reconstituted" copt of the original. Is there anything I can do now? thanks.

Ok so a quick rundown of whats happened. I owed some money to JD Williams. Over £600, After Succesfully claiming back unlawful charges it's down to £118.43, I wrote to them asking to pay £20 a month via Direct Debit on the 26th. They wrote back confirming the plan with a direct debit form. The reason I wrote the 26th is this is the day my wages go in. However ... that month on the 21st they try to take the money out, they instantly cancel the plan, write me a letter with a whopping £30 charge, plus I had to pay £15 charge to my bank for going overdrawn. I wrote to them again saying can it be re set up for the 26th, NOT the 21st. They agree and the same thing happens. So I emailed them and this is what they said. "Thank you for your recent email. All our accounts are operated on a 28 day cycle and require 13 payments in a twelve month period. If payments are made monthly only 12 payments will be credited and therefore the account will show in arrears. Statements are sent every 28 days requesting payment and showing the due date by which the payment should be made and these date cannot be changed. We have not tried to take the payment out on the wrong day and the charges will stand. We hope this explains the situation. Yours sincerely Tracey Wagstaffe Customer Relations Team" As far as I am concerned they have lied to me in order to try and get something from me, I keep telling them that I want to pay this off, and they want me to pay this off so whats the issue? Is there ANYTHING I can say or do in order just to get them to take it out on the 26th as otherwise they keep adding charges after charges to a debt that I'm trying to pay. Thanks.