Showing results for tags 'threat'.
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Many people moving home are putting themselves at risk of ID fraud by failing to tell their financial service providers their new address. A Royal Mail survey found a third of people moving forgot to give their new details to at least one provider. Half of those asked said they had received letters through the door thought to contain sensitive financial information for previous residents. The majority said that they were concerned about identity theft. The crime is used by fraudsters who gather personal information in order to raid accounts or raise credit in somebody else's name. http://www.bbc.co.uk/news/business-28142647 Who to notify checklist If you're moving house, it's important to inform the relevant people of your departure. Use our handy checklist to ensure no-one is forgotten. http://www.bbc.co.uk/homes/property/moving_notifychecklist.shtml
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Hi all, I'd appreciate any advice on my immediate problem please. I have a mortgage with Bristol & West/Bank of Ireland. In 2007 I took ill and fell into mortgage arrears, Bristol and West got a Possession Order so I borrowed money to clear the arrears. Due to the unfair interest rate rise imposed by Bristol & West/Bank of Ireland plus personally being unable to function properly due to depression, arrears have accumulated so the Bank is not threatening to use the existing possession order to go for eviction. I have complained to Bristol & West/Bank of Ireland, in March 2014, about the interest rise, plus the charges they keep adding which is making matters worse. Their response to my complaint was unhelpful so I am writing to the Financial Ombudsman to complain - I believe I have six months to complain to the Ombudsman which is fortunate as I cannot predict when depressive episodes may strike nor how long they will last. I do know I cannot afford to pay them £1500.00 in the next seven days, nor do I have anywhere to move my family (wife and 3 children under 16). Does anyone have any advice or could point me to information that might help please? Thanks in advance Brian -
Hi all, first of all, thank you for the this site, it has been valuable in the past after reading threads, and i'm hoping it can be valuable now. my partner has received a letter from Go Debt who are chasing an old debt for car finance. The car was repossessed and she had a dispute ongoing with them for a number of months, before moving out of her previous property and she then was never contacted about it again and that was that as far as she was concerned. The letter from Go Debt is threatening that she is going to be taken to court soon and a CCJ applied for unless she pays the account off in full. It also states that they are aware she is in full time work, and they name her company and aware that she is residing in the property that she does. They state they know where she lives becaus their trace agents confirmed this on the 29th January 2014; this is strange as on that day, she received a random phone call from parcel force asking if she was who she was because they have a parcel to deliver. Not thinking she confirmed it and they hung up, she reported this to the Police and made a full report to them; surely this was this company? We requested that they send the original agreement, default notice and statement, which they provided within about 3 hours of us emailing the request over to them. The agreement looks legit and original, with her signature on the bottom with the date. The statement is dated 05.09.2009, and her last payment was apparently made on the 31.07.2008 (then a random payment 11 months later for £950 "Journal (CR)). The car was repossessed in 2009, and they have provided a letter from the original creditor confirming how the balance was made up and requesting payment proposals. They also refer to a telephone conversation in 2001 randomly where they state my partner advised that she was a full time student (which she was then). My partner has advised that there was a dispute on going in relation to the debt, and has stated that she hasn't acknowledged the debt (written a letter or made a payment) since the last time she made a payment as above. What would you suggest our next step be? Come to an arrangement? I look forward to hearing all your comments and suggestions. -
Hi received a red letter from United Utilities the bill paid last week, payment over four quarters. I was surprised to see this at the end of the letter. Information about your payments behaviour will be shared with credits reference agency . This may affect your ability to obtain credits in the future as the lender will see this when you apply for credit. For more information see Unitedutilities.com/personaldetails On what grounds do they have the right to share this information. -
I received a letter today from Rossendales regarding a £500 debt I owe the legal aid agency. Considering my case was only last week they've been fast off the mark. The case concerned an appeal in Manchester which I was unsuccessful. I live in Scotland. I have two questions: Does the LLA or Rossendales have any authority in imposing this charge as I live in Scotland and we do not have bailiffs? If forced to pay what is the minimum I can pay per month? I have no intention of sending details of my personal finances to Rossendales. I have no contacted anyone yet but I am aware not to contact anyone by phone. Thanks in advance for any advice. -
Hi can anybody advise as to whether this latest type of begging letter, received from parking eye, has lead to court papers being issued. I have received many in the past but never one that has said will. See attached pdf. In this case the Addressee was not the driver, no correspondence has been entered into with PE. Any help as to correct defence wording if this does go to court would be appreciated. Many thanks MD.
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Hi everyone, I am new to the forum so apologies if I have posted a thread in the wrong section, I am just seeking help with a debt problem as are many others. I received a letter before action letter from BC stating that they were acting on behalf of Fredrickson International/Lowell and if that I did not pay debt in full legal action would be instigated against me on 7/4/14. Unfortunately, I am suffer from anxiety/social phobia illness and now receive ESA and live in rented accommodation. I fell into debt problems in 2008/2009. I think the original debt relates to a credit card with Barclaycard and am unsure as to when payments stopped but would have been either late 2008 or early 2009. Due to my illnesses I have "stuck my head in the sand" regarding my debt arrears but receiving a letter threatening court action has meant that my anxiety levels have now gone through the roof. As I need proof of the debt and more details and being unsure as to whom exactly I should write to in order to do this I decided today to write to Bryan Carter as he is the organisation threatening the court action. I printed off a "proof of debt" type letter stating that I did not acknowledge the debt and requesting details after using a template from this informative and helpful site. Inside the same envelope I also printed off a CCA request letter addressed to BC and enclosed a postal order for £1 stating it should be used for purposes of providing CCA only but I forgot to state that I did not acknowledge the debt on this letter but am hoping that my proof of debt letter also enclosed will cover me as I clearly stated this in the body of this letter. I asked someone to kindly post this recorded delivery today ( I am agoraphobic and have not left my home for over 4 years). Can someone kindly confirm that this is the correct initial response to the BC letter? Do you think it is likely that the threat of legal action may be halted on 7/4/14 when they receive my letters tomorrow? Many thanks.
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I've had a text and email from Cash Choice today regarding my balance with them. I've already agreed to payment agreement in Feb that started this month at £20 a month but the email states no payment has been made despite their best (HA!) efforts to ensure this happened: I've clear evidence my payment left my account on the 5th of March using FPS to them with the details provided in a text message from their company. As it's been 15 days since the payment has been made I'm surprised they've not added this to my account. Should I go ahead and ignore this email, they are only reporting on my Noddle CRA that I owe £330 not the higher amount above. Would appreciate any advice you folks could render. StripedTiger
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Hello everyone New to this forum and this is my first post - looking forward to some advice I received a letter today from Motormile Finance - a debt collection agency who it seems train their staff to bully, harass and generally p**s off their pray when you try to talk to them.... Anyway, the letter was regarding a wageday advance debt from 2007, that they say they have recently acquired. I called MMF and asked that the debt be placed into dispute as i do not recall the debt, and as it was from 2007 - it would be statute barred anyway and unenforceable. The agent stated that i could not put the debt into dispute and threatened me with a default on my credit file. I asked how he could place the default on my file that was over 7 years old after one had more than likely already been on there previously and he said "because we can, its down to you to prove there was one before" I then asked for the CCA for the account over the phone, and he said he would get "something" out to me in 14 days - probably via email if they cant do it within 14 days ????? - he then became aggressive, condescending and actually someone impossible to talk to, so i terminated the call. Ive sent them letters today - one complaining about the service issues and a statute barre letter so my main questions are these: can they register a default for a debt from 2007? what do i do if the fail to respond to both my complaint and my statute barred letter? Has anyone else had similar issues with these "people" thanks in advance -
I have today received a CCJ claim from the Northampton County Court Bulk Centre, for a credit card that was held with HSBC a few years ago. The last statement I can find for the account is 2009, although the assignment to the DCA was later than that date. Having read through the forums for some advice (which is very handy and I'm very grateful for) I'm going to write to them tomorrow with a CPR31.14 requesting the agreement, default notice and the assignment. From people's past experiences, what are the chances of them providing this information? And do they have to provide the originals, or just legible copies of the originals? And am I correct in thinking the fee to enclose is £1? If they do provide the info as requested, and I have no other defence, I can't afford to pay them the amount they're requesting. I could offer to pay them a token amount every month or I could borrow a lump sum and make them an offer of a full and final settlement, although it would be much less than they're asking for. Either way would I still end up with a CCJ? Many thanks. -
My husband and I have done all we can to settle any debt incurred while he was out of work. Now we have received more than 1 letter from UMS in connection with a 'debt' to HFO Capital Limited, which I can't recall offhand. The letter shows large, purple letters stating: PROPERTY VISIT before saying they have been instructed to organise a visit to our property to collect the full balance due or make arrangements for this 'long-overdue' debt to be repaid as quickly as possible. I've just drafted a CCA letter to send and was just wondering what else I need to do or be aware of. Do I need to keep my house door locked?
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I have owned a flat for three years and always paid service charges etc on time with no problems. Recently i received a letter stating I was being taken to court for upaid ground rent dating back three years. I had not received any letters about this and had thought ground rent was part of service charges. I was annoyed but decided to pay as it was my mistake and was willing to pay charges (despite not having received a single letter. This was before the solicitors email (complete with scanned letter I didn't receive). My debts are £100. They want £2779.52 in total and are threatening repossession. is there anything I can do?
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Hi, hope someone can help i am getting really worried - in Aug 2013 Kensington took me to court in regard to the arrears on our mortgage and they secured a suspended repossession order which meant we had to pay £915 per month in total. In Nov and December due to emergencies with our home the direct debits bounced. Kensinghton got in touch and did an I&E and told me they wanted me to make an extra £100 per month to cover arrears. They intially agreed over the phone and then 1 week later said that the offer wasnt acceptable. They feel i should pay more and have decided to go back to court and seek and eviction order. I will make this months payment on time next week despite me having an attachment of earnings order this month which leaves us £600 worse offer - this shows that i can afford the court order amount. What do i do about them deciding to go back to court ? will i be notified of a hearing ? what do i do next ? an help gratefully recivced.
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I have a letter today from a collector for a 4 year old debt . It threatens immeadiate payment within 7 days or an issue of a statutory demand the first step in bankruptcy proceedings. What are the next steps I assumed a small claims court summons was necessary first before bankruotcy am i right . The amount is under 5,000 . Also if the form does not bear my full name is it still legal namely john rather than jonathan ? Will there be any point in proceedings where a court will here my offer to pay in instalments or is it if you cant pay the full amount bankruptcy ? Thanks -
Hi, I wonder if somebody can help me with this. I took out a payday loan early last year, rolled it over once,n repaid it completely and thought nothing more of it. Back in October I started to get a barrage of calls, texts and letters from MMF claiming that I still owed money and the debt had been passed on to them. I got a lot of reassurance from this site and the sort of text/voicemail I was receiving was in line with what others on this forum have been getting so I was content to ignore them completely. Today however I received the following email and a quick search of the forum hasn't revealed anything similar. Does anybody have any suggestions as to what I should do now? Should I keep ignoring them or start fighting back? Thanks Dear ***, Reference: *** Debt Balance: £424.50 Debt: Mr Lender Debt Assigned to Motormile Finance Uk Ltd I am the Solicitor at MMF and have had your file passed to me, in relation to the outstanding balance on your account. I note that despite several attempts by my colleagues, this debt still remains unpaid. Please be advised I have received instructions from the Directors of this company to pursue this matter through the courts to recover the outstanding balance. However, as a matter of courtesy, in order to save time and legal costs, I am writing to you to request that you make contact within the next 5 working days. Could you therefore please make contact, without fail to come to an amicable arrangement, failing which I may have no alternative but to follow the legal route to recover the outstanding sums due. Please note that I am in a position to offer to you a significant reduction in the amount owed. We therefore look forward to hearing from you shortly. Kind regards, Neal Chatrath Solicitor Motormile Finance UK Ltd (MMF) Main: 0113 887 9888 Free Phone: 0800 996 1103 Web: E-mail:
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Hi everyone, yesterday i recieved another letter from lowell re a shop direct debt. The letter says the next contact will be from either BW Legal or an agent delivering a stat demand. This letter is exactly the same as one my ex partner got back in september for her Lloyds TSB debt and sure enough within 2 weeks the process server turned up. the top and bottom is i am a bit worried now that there is a high possibility this is not just a threatogram and a stat demand is imminent. I opened the catalogue account probably back in 2000/2001. Dont think its SB but i have had no contact with anyone re this debt for some 4 or more years. There may be some charges but not a great deal compared to the debt amount and i dont think any PPI. Any advice ??? Should i just sit tight and see what happens or should i start the ball rolling on a SAR and CCA request which will hopefully at least tempererily put the account on hold and stop the stat demand being served ??? Just checking but is a CCA request applicable to catalogue debts ??? Any advice ASAP would be much appreciated. Thankyou
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Hi all I have recently had the delightful Scotcall get in touch with me about a former MBNA debt of 5K+ Some time ago I got a letter from MBNA stating they could not locate a credit agreement so would not be pursuing the debt. It was then sold to Aegis who backed off and now some years later Scotcall. After requesting a credit agreement they have sent a photocopy of an agreement signed in a supermarket- not an agreement as I would define one. Any ideas on where I should go with this??
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I work for a County Council and am a paid up member of Unison. I recently had cause to speak to a parent about an issue and they identified themselves as working for Unison during ‘discussions’ about a serious complaint they had. They made several threats to us, using their standing, to have us investigated for apparently wasting money and for discrimination. This is without first establishing the facts that prove they are in fact wrong on every count. We are all facing severe funding cuts and as such are expecting a large number of redundancies and I take exception with the fact that this person has effectively abused their position and threatened people like me in order to bring about change. I’m not naïve enough to deny that this goes on every day in one form or another but I have taken exception to this especially as I pay for people like them to look after our interests and to not make even vaguely veiled threats. Do I have grounds for making a complaint to Unison and will it jeopardise anything with my employment? Any help or advice would be gratefully received. -
I received this email from my landlord " I will issue a writ at the studio where your where you have not given notice. when I get judgement I will make application for bankruptcy and then see if you think it’s amusing" The landlord terminated my assured tenancy agreement on the 12 th August 2013 which gave me 2 months to move out, which I did on the 1 October 2013. His claim is that I didn't give him notice that I was moving out. The guy is crazy that is for sure. He is also holding my deposit which he did not lodge with any of the organisations that you have to.I owe him nothing. His plan is painfully clear, he threatens to issue a writ against me in full knowledge that I no longer live at the address, in fact I moved back to Holland on the 6th October and is where I live, my only reason for being and in the UK and renting a property was that it was I had a 6 months contract in the UK. My concern is that I want to know if he goes ahead with his threat, there is no way that I will know, and the process will go on without my knowledge and he will proceed with a claim against me. It could be said that as I live in Holland I shouldn't care about it, but I still travel to and from the UK on business. My question is can he do this, and is their a public database where claims are filed that I can access online. -
I run a guide unit and have been threatened with loosing hall we meet because of new promise (not going in to that here) and had a letter from PCC saying we have to pay £18 p/h for 52 weeks a year. we don't meet 52 weeks. We have an agreement at the moment with them which doesn't mention the promise. They sent us this as part of reasons why While we respect the changes that Girlguiding have made, under the 1993 Charities Act we are bound that any disposal (sale or letting) of the church hall must be at full market value. It then continued to say that exemption from the 1993 Act could only happen at the PCC discretion and if they thought that the charity's objectives are in line the charitable objectives of the church. Any advice helpful.
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Hi all, We are being chased for a debt of around £6k, originally from a Virgin Money/MBNA credit card. Last payments/acknowledgement of debt were around July 2011. Aplins successfully put a charge on our property for the amount owing earlier this year, and they then sent a nice (for them) letter saying they wouldn't be enforcing a sale, and things went quiet for a while. However they've now sent a letter saying: " We are about to issue a Warrant of Execution against you. This will incur additional fees and costs which will be added to the amount you already owe. Unless you pay the amount of the Warrant the Court Bailiff will call at your address with a view to taking an inventory and levying on goods belonging to you." They then tell me to contact dlc to make payment or come to an arrangement. As they're pretty much guaranteed the money on sale of the house, I think this a strong course of action, and I am tempted to believe this is an idle threat, unless anyone tells me otherwise. Surely I could just point to the charging order and say I can't afford to make a payment? When the court documents came through re: the charging order I didn't contest or respond to them as I'd assumed (perhaps wrongly, it appears from reading these forums) that Aplins etc would have all their paperwork, CCA's etc in order before they took it to court. Also, I have not CCAd DLC as yet - is it too late to do this now the charging order is already in place? Any advice gratefully received as to the next course of action, we were going to write to them and offer to start making token payments, but a good afternoon on these forums has given me more stomach for a fight, and I'm now tempted to wait and see what they do next. Thanks in advance
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Hi,. I have had a debt with cap 1. This was for £2200. It was passed to fredrickson international. After several threatening letters I decided to phone them and I told them that I have had a hard financial period which included several months of unemployment. I said that I currently have a family friend who is williing to lend me money to pay off all my debts @ %40. I said on the phone that the £2200 was made up of approx £300 charges which were unfar in my view at £16. We came to a number on the phone of £1000, which the lady said she would have to get authorozied. She would phone me back the next day. In the meantime she said it might be a good idea to do an income and expendituture doc and send it to them. I didn't do this and she didn't ever phone back. This was a month ago. Now I have a letter from Brian Carter Sols acting on behalf of cap 1 wanting the whole sum in a week's time otherwise I go to court. Any advice please?
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Hi guys, Need help on this scary letter i've had from regal. I've wanted to cancel my car insurance over the phone but they wanted in writing so i've argued over they can start insurance over the internet or phone so why cant they cancel it same way? in the end ive sent a letter with my canceling request and put a date on the letter of the day i've phoned them first time. Unfortunately they didnt accepted it and passed £107 debt to this nasty regal consultants which they think they've got Country Court Judgment against me and if i dont pay by 7 day they will send bailifs and all tha. Sounds too quick and bulls.t to be honest So do you guys think i should pay it or just defend my case? Thanks in advance -
Hi - My son has been homeless for a year or so. He cannot live at home - because of regular violence to himfrom his younger backwards brother. We have extended family units in the area and with his friends there are places he can sleep most nights. He can also sleep on the sofa here from time to time - but not too often. After more than a year of claiming JSA as homeless, the local office are now claiming he he cannot prove he is homeless and therefore they are cutting off his JSA. They also say they will visit the places he says he sleeps to see if they are entitled to "rent" space (although he is paying nothing to anybody for sleeping at their homes). This will devastate him. I haven't a clue how these JSA people think they are entitled to do this. Can anybody help me here? References to the law and government guidance would be useful too. Thanks.
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Hi Guys I have had a letter come through from TBI for the Barclays credit cards now of £6567 £4124 £3168 This letter is from David Jones solicitors and threatens a statutory demand in accordance with insolvancy act 1986 of which I have 7 days to reply before they do that. Then I have 21 days to pay in full or they file for bankruptcy. Now as I have stated before in a seperate post I don't live in the UK I just use my mates address as a mail drop and for my mobile phone and bank account. I have zero assets in the UK also, no house mortgage etc. So what should I do with regards to this letter please? Cheers..
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