Showing results for tags 'threatening'.
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Hi, can anyone help please? I took out a one year membership with Xercise 4 Less gym last year but didn't really use it so decided to cancel after about 11 months. I cancelled my direct debit but, didn't contact Xercise 4 Less to cancel my membership (which I now realise was a bit silly!) but I only had a month to go so figured that when my direct debit didn't go through they would just cancel my membership. I had no contact from Xercise 4 Less to query why my direct debit wasn't going through or if I wanted to continue my membership, so I assumed all was fine. However about 3 months later I get a letter, dated 29 July, from CRS Credit Resolution Services saying that "We've been employed by Xercise 4 Less as your membership remains in arrears despite previous letters being sent to you." (which I did NOT receive) "As a result of this, our fees of £102.50 have been added. Therefore, your account balance now stands at £207.47". I then e.mailed Xercise 4 Less giving them notice that I wished to cancel my membership with immediate effect as I was under the impression that it would end automatically at the end of the 12 month period. My contract with Xercise 4 Less was for £9.99 a month so even if my contract continued after the initial 12 months until I gave them written notice of cancellation, the maximum I could owe them would be 3 months membership totaling £29.97 so how they came to the figure of £207.27 I do not know! I also understood from other threads on this forum that CRS's fees were penalty charges and so not enforceable by law, so I decided to wait for a response from Xercise 4 Less and ignore the letter from CRS. I had no response from Xercise 4 Less to my cancellation e.mail and I then received another letter dated 19th August from CRS threatening Legal Action, or passing to a Debt Collection Agency if I did not contact them within 10 days to arrange payment. Again I ignored this letter. I was then out of the country for a couple of weeks at the beginning of September but when I got back there was another letter from CRS dated 10 September saying that if they did not here from me in 10 days they would pass my account balance to Zinc Group Ltd "one of the UK's leading providers of debt recovery solutions". As I only read the letter when I got back to the UK yesterday, the 10 period is almost up. In between these letters I have also had various texts and automated phone messages asking me to get in touch with CRS. A few days ago I also had an apparently automated email response from Xercise 4 less, to my cancellation e.mail (which I sent back at the end of July!) simply saying that they had received my email and would deal with my query shortly. I am happy to offer to pay the one month's membership fee for the last month on my 12 month contract or even, at a push the 3 months' membership up to the point of my cancellation e.mail but I really don't think I should pay CRS's fees as they seem extortionate to me just for writing a few letters, and as I understand it they are not enforcable in law, and these companies just try to scare people into paying them lots of money. Please could anyone advise me on where I stand with all this and what the best course of action would be for me to take. Any advise and help would be greatly appreciated. Many thanks in advance Stuart -
hi all im new to this site and would really appreciate as much help a i can get this morning 28/08/2015 i had a knock at the door which turned out to be a bailiff collecting council tax arrears from 2012 to 2014 ive had no letters from the council about any arrears or any from this company the company is called sheriff and penny private bailiffs limited there registered office address is 152 halesowen road, cradley heath, west midlands b64 5lp company reg No. 4900240 they have a po box 11614, edgbaston, birmingham, b16 9zg under there name on a letter he gave me he told me he wanted £649.66 or he was going to take goods like tv computers etc etc and would also take my car which is my partners, he wanted proof of the log book which i refused to get i did not let him in, i was able to use my size to keep him stud well back from my front door i told him ive never had any letter from the council about this debt which he replied that i should have i told him there is no way i can pay that and offered to pay a minimum payment of £20 a month he refused very rudely demanding i pay him £150 by cash or card to him then pay £50 a month which i still could not afford his reply was pay it or basicly loose goods he said he will gain access via the police to take goods from my house at which point i had to make sure my 2 young kids of 7 and 9 was no present i also asked for a breakdown of the bill as i said thats not all council tax surely he said no its 2 accounts 2012 to 2013 and 2013 to 2014 council tax outstanding is £264.66 enforcement fee is £235.00 and 2 compliance fee of £75 each account he also said any visits will be £110 each time but he said the next visit will be with a van and a trailer to remove goods and the car he demand he will return on tuesday 1st september to collect either the full amount or the £150 or he will bring police so he can take goods and the car i hope someone can help with this as he has rang me again whilst i type this to remind me he will be returning tuesday many thanks in advance -
Hi, my son started residing with my ex-husband 7 years ago when he was 12. My ex-husband never claimed any money from the Child Support Agency as he was earning a good salary and I wasn't bringing in any income. However the CSA have demanded money me ever since - I've ignored all communication until last week I got a letter from them demanding child maintenance arrears of £300 (for my son who is now 19) and threatening court action! HELP! What should I do?
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hi all I have been fortunate enough to find work a year ago. Upon finding work I signed off JSA and that was that. However Ingues have been persistent to ask me for employer details etc. After missing calls,not replying to emails they sent me a letter telling me if I don't phone them back, they will visit my home to ask for a employment update. There is still a year left on my '2 year programme' that I signed. Should I just avoid the hassle and tell them or if they come tell them to p*ss off.
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The car park for the Maternity Section at the Southern General Hospital in Glasgow was full on the 20th April this year when my daughter went to give birth. Part of the car park was closed for maintenance work and the workmen pointed us to an area where other cars were parked on a side road within the hospital. When we returned there was a notice on my windscreen from CPPlus notifying me of a £40 Unauthorized Parking Notice reduced to £20 for immediate payment stating I was not parked in a designated parking space. All the cars parked in this area also had similar notices. Another driver who was there advised me not to pay and to ignore any follow up. I then received a letter dated 4th June 2015 from PCS Parking Collection Services advising that they had obtained my details as the registered keeper/owner of the vehicle and stating that full payment must be made within 28 days to avoid further action. As originally advised on the 20th April in the car park I continued to ignore this letter. I have now however received a follow up letter dated 3rd July 2015 from DRP Debt Recovery Plus Ltd demanding payment for the unpaid parking charge of £40 for their client otherwise they will recommend their client that court action should be taken. I'd appreciate any advice on what action I should now take. Thanks -
I have an issue with a company called Tracegreen Finance in Liverpool regarding a Hackney I bought from them on HP way back in 2009. Long and the short of it is I defaulted on my payments after I had paid 2/3's of the agreed amount which was initially £25,000. I contacted Tracegreen to request my outstanding balance but they never got back to me and to be honest I was unable to keep up with my repayments. I fully expected them to start with repossession proceedings but this never happened! Some two years or so after my final contact I was involved in a crash and the vehicle was written off. I received a payment from my insurance company for the write off and subsequently left the cab trade for a "proper job". That was 18 months ago now and still I had received no correspondence from Tracegreen. Three weeks ago I had a knock on my door and it was some big burly bloke asking for the cab, saying he was here to repo it as I had defaulted on my agreement. After explaining it had been written off etc and explaining I had received a pittance for it he informed me I owed over £4000 on the agreement and said a court order has been sent a few months previous but was returned as addressee "gone away". I assured him I had received nothing, which I had not, and asked him to send it to me again with a run down of all my payments etc. I received this today but in the letter they are claiming they will involve the Police if I do not stick to my original payments. I explained when he was at my house I would not be able to do this as I was only earning just above national minimum wage. My main question is can they involve the Police in this matter? I appreciate the vehicle was not legally mine when I was written off but surely this is a civil matter for the courts? I am also very dubious the letter is even legal. It refers to the court order and their solicitors but they have not attached these letters nor enclosed any official documentation regarding my agreement. I have heard rumours Tracegreen went bankrupt a few years ago and feel this is just a ploy to get money from outstanding debts and they know they have no legal recourse in this matter. Any advice is gratefully received Thank you -
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The following news story appeared on SCOOP last night and involves a bailiff from JBW Group. A judge told Birmingham Crown Court that he feared the public would think him "mad" to not send the 32-year-old to prison A violent dad who refused to pay a parking ticket has been jailed after he threatened to stab a fines officer when the penalty spiralled to £400. Robert Hunter was sentenced to 15 months after threatening Craig Fishwick with a kitchen knife when he called to his home on Yarnfield Road, Tyseley. A jury convicted the 32-year-old at Birmingham Crown Court after hearing he told Mr Fishwick: "You're not taking my f ****** car, I'll stab you." Jailing the dad for threatening a person with a bladed article, Judge Roderick Henderson said: "The public would think I was mad if I did not send to prison immediately someone who behaves like this." Hunter received the fine last year, but left the fee unpaid, the Birmingham Mail reports. Mr Fishwick, a collections officer with 20 years experience, went to Hunter's home with a bill for £400 on July 16, but received no answer when he knocked the door. He pushed a note through Hunter's door and later received an aggressive call on his mobile. When Mr Fishwick returned, Hunter opened his front door holding the knife and threatened the fine collector, making a 'stabbing motion' and lunging forward. But Mr Fishwick said Hunter never got closer than four feet away from him. Judge Henderson said: "You got a parking ticket and you neglected to deal with it, I suspect. "Lots of us have been irritated by parking tickets. "While there was some impulsiveness in what you did, you knew what it was about, you knew you were stuck with the fine. "You chose to go to the door with a knife." The judge went on: "If you had connected you might have caused very serious injuries. "The reason the courts and public get so wound up about knives is because they cause devastating injuries and can kill someone." The court heard Hunter had a previous conviction for criminal damage and possession of an offensive weapon from 2009. In that incident he smashed the window of a bus with an extendable baton after a passenger gave him a dirty look for parking in a bus stop. Martin Liddiard, defending, said since that incident Hunter had become a dad-of-two and was settled down and working. He said: "It was spur of the moment and reactive. It was very short-lived." http://www.scoop.it/t/lacef-news http://www.mirror.co.uk/news/uk-news/youre-not-taking-f-car-5799147 -
I have a couple of hundred pounds owing to British Gas which I have been late paying and now I have received a threatening letter headed "British Gas" and "Richburns Ltd", addressed to the The Occupiers or Occupiers. The letter says, Removed indentifying info ] They intend to visit the house this week and are threatening to apply for a Warrant of Entry if I do not comply. This is causing me a lot of worry as I already suffer from anxiety and am diagnosed with two chronic conditions. I have been paying the gas bills but on the last two quarterly bills I paid £100 less than the amount asked as I had to prioritise my debts. The problem is I don't have a tenancy and I don't own the house. I don't want to give my details as I have agreed to leave the house on very short notice due to a domestic situation and don't want to risk bills being racked up in my name (which unfortunately has happened to me in the past). My Questions are; 1. Am I obliged to register my details with the utility company because I still pay the bills, even if not always on time? 2. Can they legally break into the house and fit a prepayment meter, which I don't want, as I have young toddler and I will struggle to get out and buy prepayment cards? 3. How should I deal with Richburns, as I have hardly slept for worrying, since receiving the letter from them? please ask me any questions and I will be as honest as I can. -
Would really appreciate some sound advice. I have my landlord's permission to sub-let a room in my home. This income covers the shortfall between my HB and my monthly rent. On Saturday, my new lodger paid a holding deposit and two weeks' rent in advance after we had verbally agreed to an initial three month tenancy. (He originally viewed the room three weeks ago.) The guy was desperate to move in and it was all very last minute. (He and his girlfriend had been having significant relationship problems.) We agreed terms and I promised to provide him with a Licence to Lodge the next day as I would be out til late and he started work at 10.00 pm that night. He agreed to this. Later that afternoon, he collected some of his belongings from his previous address and put them in his room (about 4.45 pm). I had to leave him to move in as I had family commitments. At 6.35 pm I received a text from him saying he had changed his mind as his girlfriend didn't want him to leave their home. He demanded his money back in full. Despite subsequent threatening texts from him, I advised him to seek advice from CAB and told him that if he had a legal claim, I would happily reconsider my decision. (He is Polish and although his English is reasonable, he does not understand English Law.) He was advised by CAB to request a refund for the holding deposit and one week's rent - a total of £180.00. He would allow me to retain one week's rent as compensation for changing his mind. I was under the impression that a contract, albeit verbal, still had legal standing and that if he failed to move in, it was not necessary to refund the holding deposit/rent already paid. It was his loss. If I had changed my mind about him moving in, I would have instantly given him a full refund. I feel as if he is effectively depriving me of three month's income and I have still to find another lodger which may take months (if past history is anything to go by). When I was told of his relationship difficulties, I suggested that a month's trial period might be appropriate and to "keep the door open" and not to commit himself to a long rental period. I put this to him three times but he insisted he needed to move in immediately. He refused the trial period and we agreed on an initial tenancy of three months. I would usually take a deposit and a month's rent in advance. I waived this in favour of just two weeks' rent to assist him in managing his budgeting/finances. As far as I am concerned, I have gone out of my way to accommodate him and feel aggrieved that he should now be sending threatening texts to come "with a friend" to collect his money and do everything he can to involve the police (even though it is obviously a civil matter). He texted this morning to say that, unless I refund him, he will make a claim against me and that I could be fined £810 plus costs if the case went in his favour. As an aside, good luck on that one -- I'm impecunious (as the name suggests), so it's doubtful he would ever receive a penny. The income I receive from letting the spare room keeps a roof above my head and prevents me from being evicted. As I said at the top of my post, I would really appreciate some sound advice on this matter. If I am at fault, I will happily make a refund but feel strongly that I shouldn't give in to threatening behaviour and intimidation without being clear on where I stand legally. Thanks guys! Imp PS I have advised him I will respond to his request within seven days and I have advised that I will keep the room open for him for the next fortnight in case he feels the need to leave his home again. -
Hi all We were planning extension to our house and found some architects online and contacted them for the survey and what is possible in terms of extension. Now i've had 4 architects in my home for the initial survey and mock drawings but i havent signed contract with any of them. The initial visit/survey to the house is like an opportunity to asses the work and then quote. Now when i refused this one architect, she is retrospectively asking me to pay for her survey and drawings even though i haven't used her drawings at all. She says i agreed to a price on the phone, which is like when someone tells you this is how much it is going to cost you if you hire my services. What i told her was that i'm ok with the prices you are quoting but i have to see the drawings before hiring your services. Now she is sending threatening emails of taking me to court and harassing me unnecessarily. Fact is that i never signed any contract nor did i agree to hiring her in anyway. In fact we are still looking at options to extend our house. Can someone please advise how can i report this architect for unethical, unprofessional conduct and deliberate harassment? Can she actually file a case against me even though i have not agreed to a contract verbally, via email or signed any papers ? I'm really stressed out. Please help. Regards MS -
Hi there, I hope it's OK to post this issue here on a new thread. So my situation is this: Today, to my surprise, I received a letter to my house from Ingeus *shudders*. I have officially been off Ingeus for a year now, after completing their 2 year "programme" by April 2014. In this letter they are telling me that "we have a duty to contact you periodically" and that they've been "unable to reach you on the contact details we currently hold" so "therefore we are writing to you today to notify you that we intend to visit you at home to obtain an update". Are you serious?! I haven't heard anything from these people for over a year and now they're going to visit my house? Can anybody tell me what rights I have because I feel that this is harassment. I actually signed off welfare early when I was with them because of their harassment (I'm back on now) but this is a step further in coming to visit my house. They've left a number to call to "let us know whether you are looking for work and if you would like support, or if you are already working". I would call this number but I feel that I shouldn't be obliged to tell them anything and that they have no right to know my business, since I'm not even on their programme. Do they expect to be on my case for the rest of my life? And can anyone here offer advice as to the best course of action to take? If they show up at my door I plan on telling them to p*ss off and will happily get the police involved if they persist. Many thanks.
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Network Rails has said it will review it’s plans during development of the Thameslink programme at London Bridge after a short closure last night caused “Life Threatening Chaos” for rush hour commuters. Lines were shut down for 45 minutes from 4.20pm because of a person on the tracks at Streatham, the operator said. The knock-on delays saw huge numbers of people stranded on platforms and some forced to jump closed barriers to avoid the crush, while onlookers posted dramatic images online. The London Mayor, Boris Johnson said: “This chaos must end now. The scenes at London Bridge last night were completely unacceptable.“ It is a disgrace that Network Rail and the train operating companies have failed once again to get a grip of the situation at London Bridge. Mick Cash, leader of the Rail, Maritime and Transport union said last night’s scenes were ‘horrific’, adding: “RMT is sick and tired of the excuses about the continuing chaos at London Bridge which led to horrific scenes at the station last night. I wonder if those that jumped the barrier are being prosecuted. -
Hi, Wondering if someone could help me? I hit the back of a car 4 months ago, for which I accepted liability. My insurance company has so far paid £800 and are offering £700 for vehicle hire, the claimants however want £1,600. I today received a letter from their insurance company saying the next step was to take a case against the negligent party (me) to the small claims court, unless it was paid, or I paid it myself. I rang my insurance company and they said that they have provided insufficient evidence and that their solicitors would handle the case. can I be held personally liable for the value of the claim, if so what is the point in paying for my insurance?
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BCW have been chasing me re an alleged debt to Orange and I must admit I have just been ignoring them, however a few weeks ago they threatened me with a home visit so I sent the letter which I got off here to say you get not visit my home and I will only communicate in writing. Below is their reply: The stage in which we issue a letter regarding a Home Visit forms part of our automated process. This is pre-determined by Orange. A Home Visit is only proposed when every other available means of contacting you has been exhausted and an amicable resolution in this matter remains absent. We have attempted to contact you on a number of occasions prior to our letter in which we advise of our intent to arrange a Home Visit. We are therefore satisfied that we have afforded sufficient opportunity for you to contact us to discuss this account. The case you have referred to is not applicable to your circumstances. As part of the agreement that you entered into, you agreed to repay the full outstanding balance and that where necessary Orange could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. 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 monies. The OFts Guidance on Debt Collection reference to making an appointment on field visits relates to, where say, the agent has called round and advised by the customer that it was not a convenient time, then he should make another appointment. An appointment is not necessary for the initial visit. lf however, the customer is not there at the agreed time, then the agent can call again at an unscheduled time. ln relation to your request for no telephone contact I confirm that we have removed all telephone numbers held for you, from the account. Please note payment is now due therefore please contact our office on 0845 117 025g in order to discuss the repayment options available to you. A cessation of collection activity will remain on the account for a further 10 days in order to afford you sufficient time to contact us. We are a member of the Credit Services Association who can be contacted in the event of you remaining. Would appreciate some advice – shall I reply to this, just ignore them or just send them a cca? -
Good Afternoon I am looking for some helpful advice on my situation. I am currently signed off due to stress but am expecting a disciplinary on my return to work towards the end of January. I have been with my employer almost 5 years and I am a member of a union. In Oct 2012 I was disciplined for being insubordinate and reacting unreasonably to an email request, my first offence. My punishment was a 6 month warning (expired may 13). Since then I have not had any further issues until recently. Over Christmas we had lost a family member and so I was not myself at the end of December. Without going into too much detail my job can be quite stressful and at the end of 2014 we had a skeleton workforce with makeshift management cover. The person in charge of our section that afternoon was not in a particularly cheerful mood and did not like my joke "should've gone to specsavers", replying "shut up ***". She then began to pester me for updates on various issues I was looking at, using an authoritarian and condescending tone. At first I dismissed the issues as being a storm in a tea cup and answered her politely and respectfully, however she began to raise other issues quite vocally and it became obvious that she was trying to make it clear to the senior manager sat close to her that she was the boss of the team. As she continued I made a tongue-in-cheek remark "she's being a bully again' to let the senior manager know in a polite way that I wasn't happy with her behaviour. The situation escalated over the next hour as I asked her for assistance (as she was the only other person with experience of that product), however she simply asked me to send her the details on email, which I did, and on receipt she simply replied "that's wrong". I asked her to elaborate and she was reluctant to do so, making me feel like I was foolish for not having worked it before. I explained that "I haven't done one of these *** before" and so I required further assistance. She asked me to send her a second version which I did, and again she found fault with it pointing to some "grey areas". I spoke to another member of staff on the phone who verified that the details I had included were correct, which I told her. She still disagreed an beckoned me round to her desk. I asked her "why didn't you tell me that the first time?" She replied that it was a matter of procedure to check everything, but I pointed out that "that field wasn't previously populated so how would I know?" She then accused me of being 'aggressive and bang out of order", and foolishly replied "With my family troubles? I don't think you know what aggression is. Let's take this out (of the office, in private) and I can show you what I mean". She then accused me of threatening her and told me to "sit down". I told her not to "tell me what to do" and then after speaking to the senior manager I left the room. I admit to overreacting but surely both parties are at fault here and so her formal complaint is only one side of the story, although unfortunately she was the same person involved in 2012. Please help (I welcome any constructive criticism). Thanks -
hi all. I hope you guys/gals can help. I have received a letter from the tax office threatening to change my 2015 tax code to pay for some self assessment overdue amount that I believe i do not even owe, as ive only been working since febuary last year and this over due payment is due from 2013! I have never been self employed, however i did let a friend use my bank account to have his wages put into whilst i was on job seekers as he had split up with his wife and they had a joint bank account to which he needed his wages to not go in to. i do remember signing off of the dole a while before i started working because i was meant to be starting full time work, employed, however about 2 weeks in they used their probation period to get rid of me, and DWP wouldnt let me sign back on, i ended up homeless for about 3 months, until my girlfriends mum let me live there, and due to her working she supported me and my girlfriend. due to her support i never did sign back on as i was angry at DWP for making me fill out all of the forms to then shoot me down. the problem now is that HMRC are trying to say that i was self employed and haven't filled out a self assessment, now i've been looking into self assessments and im being charged interest for not filling them out as well. does anyone know what I should do because i've posted 2 letters to them over the last 6-7 months saying that i've never been self employed and that ive only been in my job for just under a year and i've never received a reply back from them. thanks in advance. Dan -
Hi brief run down. My daughter who has mental health issues (and covered under the equalities act) was signed off work with mental health related issues two weeks ago, however due to the time of year and the job she does I suggested she asks the company for support to enable her to keep herself in work (IE following company policy of supporting her own attendance.) However, it became apparent that the support was not forthcoming and she went off sick with the full backing of the senior manager. However, today she gets a letter from the personnel manager giving the normal drivel about wanting to support, but if the illness is going to be long term they may have to terminate her employment? 1. She had attempted to support her attendance 2. Senior manager was aware that she was going to take the time off whilst her medication and mental wellbeing were being sorted 3. The sick note states the end of this week when she was looking to go back in 4. The company didn't meet with her in order to see what support she may need in fact, she says that when she went in the union rep who said he was going to arrange a support meeting told her to just smile and get on with the job? ( How accurate that is, or if added to I don't know. ) This letter has now caused further stress leading to a relapse and is in my opinion etreemily insensitive. As a union rep at the same place I am fuming, but need to keep out of it. So what are others thoughts on this issue what redress do others see? Regards, Bill -
I received a letter from Anglian water threatening recovery action as I 'haven't paid my bill' even though I requested a payment card so I can pay what I can afford and am currently making payments to them. I sent a email of complaint to them (their offices are closed and I'm currently working shifts during their opening hours which is convenient) along with a copy of a letter from my gp stating that I suffer with anxiety and depression. Any extra help/advice would be good as this is causing me a lot of stress which is a shame as I was starting to get back on my feet and start getting more work. -
Hi there, apologies if this is in the wrong place. I'll outline my situation: I lived at a shared property for 6 years with 4 flatmates. I moved out of said property last year (sep'13). I moved a few streets away. During my last 3 years there I was in charge of collecting the rent from other flatmates and paying the landlord each month. The rent was initially paid all in cash and collected in person by the landlord with no receipts. Then we agreed to try paying half the rent in cash and half in bank transfer. This only worked for a few months because some of the flatmates weren't paid on time, and it was odd amounts, so we reverted to paying all in cash as before, collected in person by the landlord. This went on for my last year at the property with no apparent problems. A couple of months after I moved out I was contacted by my (by then ex) landlord saying that he had not received the last year's worth of bank transfers. I told him that he may have forgotten that we agreed to scrap that at the beginning of the year and I had paid him the whole amount in cash (which he counted and collected in person each month, as usual). He denied any knowledge of this and insisted that I now owed him a year's worth of rent (the missing half). This was last Christmas, I told him he was crazy and after numerous phone calls, including one on Christmas eve during dinner, I just barred his number. I had heard nothing more about the situation, and I am in constant contact with the remaining tenants (as we are all friends), but now he has told one of them to tell me to meet him to discuss the money or he will take me to court. This landlord is notoriously dodgy. He lost a court case a few years ago to some other tenants in the same building over rent raises. He constantly harrasses them and follows other people coming or going, I've even seen him photographing people. Although he has no proof that I didn't pay him the rent, I also have no proof that I did. In a court case does it sound like he has a case? He is claiming rent not paid starting from Dec 2012, so 2 years ago now, why would he wait that long if he thought he was missing thousands and thousands of pounds, unless he is just trying a [problem] because he knows there are no receipts? He even gave me a reference for my new flat. It just doesn't add up. Any legal based comments very welcome as I am unfamiliar with any of this process. Thanks
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An acquaintance has today been contacted by a DCA and I found their approach unprofessional / bordering on harassment. My acquaintance was severely upset by their behaviour and attitude. I would appreciate your advice on the general situation (though not necessarily the rightness or wrongness of either party's claims). Is there anything my acquaintance should be doing at this point or should they be awaiting further contact? I am not a lawyer. Context: This acquaintance is a director of a limited liability company (A). That limited liability company paid for services from a third-party (the supposed creditor - B) and in turn had an exclusive franchise for a specific region. The understanding was that the franchise was perpetual and of a similar form to all other franchises provided by B. All contracts / agreements were oral though there is c10 years of historic precedent supporting the existence and nature of those arrangements. Approximately 2 years ago B decided to disenfranchise A and enfranchise a new third party (as it was financially beneficial for B to do so) thereby ending A's sole revenue stream. At that time, an agreement was reached with B that an alternative franchise would be provided though that never materialised. A may have owed B a low five figure sum for services rendered before the termination of the franchise. Following negotiations, as no new franchise was provided, it was understood by A that any sums owed to B were to be cancelled. None of those discussions, or details of sums owed are documented. B did not subsequently send requests for payment. Currently, A has negligible assets and six figure liabilities (including a significant debt to my acquaintance). Any sums owed by A to B were unsecured. Both B and my acquaintance have not been in contact for over 18 months and no requests for payment have been received in that time. Today, a DCA contacted my acquaintance informing them that they required immediate payment. DCA are a small firm (3 family members) and, as far as I can tell, are legitimate - they have a website and no negative media results. From their website, I cannot however determine their company number or if they are a member of any trade associations. As part of the 45 minute conversation between my acquaintance and DCA DCA said: 1) Threatened my acquaintance with criminal prosecution and a potential jail sentence for robbery 2) Spoke in legalese referencing c15 different forms and procedures with no intent (/ability) to explain 3) Had no knowledge of the arrangements between A and B 4) Assumed that my acquaintance was fully liable for A's debts and repeatedly stated that claim 5) Became forceful / insistent to the extent that my acquaintance burst into tears I have recommended that, next time they make contact, my acquaintance do the following: 1) Request they contact them in writing 2) Request that they stop contacting by phone 3) End the conversation at that point 4) Note key details of the conversation Any advice would be hugely appreciated given the distress my acquaintance is experiencing. Thanks, Ben -
Good evening, My auntie used to own a timeshare with Sunny Coast Malta and died over 4 years ago. Since then her sister (my auntie) and my dad have been receiving debt collection letters for the annual maintenance fees for the timeshare. They were not aware that the timeshare would become their responsibility in the event of her death and have not signed anything in respect to the ongoing fees or use of the timeshare. Since her death they have been ignoring the charges. Just recently they have now started to receive letters from Network Credit Services threatening further debt collection. Please could anyone advise what steps they should now be taking? Should they just continue to ignore? Any advice would be fantastic as it is getting to a point where my auntie is starting to feel ill with it all. Many thanks in anticipation -
hi hope someone can help asap I have been visited by Equita baiiff today for unpaid council tax. I have told him that in two weeks I will try and a make a payment but cant promise the figure we agreed due to low income. I have to give him his due he was very nice about the situation. the problem has arisen that he has told me that they can take the car parked out front. this is where the situation gets tricky so bear with me... the car is registered with dvla in my name, but that is for tax and insurance purposes only. it is in fact my 17 year old high functioning autistic sons car that we bought for him to enable us to transport him around, as he finds crowded public transport stressful. it is his car always has been always will be. it was bought privately and he has no receipt. we paid for the car out of my bank account after my husbands aunt died and left us some money. I have been told by various sources that we can get a statutory declaration stating that it is my sons car and therefore the bailiffs cannot take it. is this correct and how do I go about getting one?? many thanks -
Hello Everyone Please accept my apology if this post is a bit lengthy. I'm on Credits Only JSA as I'm working part-time Mon to Fri. Recently, my JSA advisor had sent me to Mandatory Work Activity(MWA) when she learnt I was having holidays from work. She did that although she knew I did not fit the MWA selection criteria. The advisor, despite my objection, just handed me the referral letter to the MWA and said if I don't do it my NI credits will be stopped. Due to her pressure I complied and went and did the MWA for 4 weeks. When I completed the MWA and on my first meeting with my advisor, she handed me another letter for the work programme (WP) personal advisor interview. At that point I protested and said I already have a part-time Job which was staring again in 2 days and I'm not interested in going into the Work Programme. I also said that as far as I know the Work Programme is not mandatory for people on Credits only JSA. All that was ignored and the letter was handed to me. On further research, I was able to confirm that indeed I was exempted from the Work Programme. I have then lodged a formal complaint in which I questioned the reason for setting up a work programme advisor interview for me from the first place without my consent or even discussing it with me. I also indicated that as it was voluntary I had no legal obligation to attend that interview. However, after the interview date (which I did not attend) , I was called by the Jobcentre and told that they have now made another appointment for the Work Programme Interview and if I don't attend it then they will close my claim. I replied that I did explain to them in my complaint letter why I did not agree with being sent to that work programme interview and it was now more than 4 weeks without receiving any reply for that complaint from them. I asked the person on the phone how come it is mandatory to attend that interview while at the same time the law states clearly that the work programme is voluntarily for people on Credits Only JSA? The person replied that all advisor’s interviews are mandatory and if I don't attend then they will close my claim without even taking it to a decision maker. I'm not sure about the motives behind insisting on forcing me into that interview but given previous experiences with my advisor I really do not want to go there. Now today, the jobcentre has sent me another letter stating that if I do not contact them to arrange for another interview within 5 days then they will close my claim. I have already contacted my MP regarding this matter as this is getting too much but can someone please advise me on these points: 1. How valid is the claim that all Advisor’s interviews are mandatory (i.e. normal bi-weekly advisor interview versus a specific Work Programme interview)? 2. Why would they insist and try to force me using threats to attend the work programme interview even although I'm not required by law and I have made it abundantly clear verbally and in writing (more than once) that I had no intention of following that programme? Is it possible that they had already sent my details ,without my knowledge or consent, to the work programme providers? 3. Can they just close my claim just like that for not attending the work programme interview without even considering the compliant that I have raised or even involving a decision maker? Please your advice is appreciated! Thanks for your help. Lucy -
I live in a property that has a prepayment meter, when I moved in the letting agent said that they have written to all my utility companies to let them know about my moving and gave me the prepayment cards (one key for electric for EDF and Gas card for Eon) EDF wrote to me about the electricity and all is fine with that but they then wrote to me to say that I owe them £25 for gas, I advised that it was a prepayment meter and they said they would look into it and get it resolved. Fast forward to today and its still on going but now I owe £200 apparently, I called them up and they assured me there was a lock on the account so no action would be taken while they keep looking into it. I spoke to the national gas grid (xoserve I think) who said the meter wasn't registered with any company. Can EDF still hold me to the debt, no supplier has been registered to this property so how can I be charged for gas I pre-pay for? Also can I go ahead and register with any company for gas without any recourse? -
Just had an annoying call from Cabot about a goldfish account I have told them I don't recognise, Payplan don't recognise and they haven't sent me a CCA about. That's the short version! Bascially he said they weren't prepared to accept a repayment plan it was settlement or escalation! I listened to him for about half an hour and ended up saying I might be able to pay £500 at the end of the month but still didn't recognise the account. He went off saying he needed to speak to his supervisor and wouldn't be 5 mins. 15mins later I hung up. I think I no the answer to what to do - nothing but is there anyone I can complain to as I have told them not to phone me numerous times?
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