I'm going to have their heads! Back a while ago minicredit decided to kill my loan off when I complained due to the fraud. They advised it was all said and done. Opos then got their hands on it and it was a battle to get them to follow suit and do as Minicredit said they were going to do.. Finished I thought.... NO! My Noddle credit file updated this morning and I have an entry against Kapama Ltd for the exact same loan! Even though OPOS promised in writing that it was over and done with!? (Kapama are Opos) Any ideas here? This is the third time I've had to deal with this...

Good Afternoon All I had an EE (formally T-Mobile) contact that I ran in trouble with and got a default placed on my credit file. EE Limited then sold the debt to Lowell Portfolio, however even though EE had sold the account and were nothing to do with it anymore and Lowell Portfolio ‘legally’ owned the debt, EE Limited continued to update the default on my credit file for a further 5 consecutive months (I have proof of this from the CRA). I have been advised that what should have happened is that the default should have been taken over straight away by Lowell and it was Lowell responsibility to update it on my credit file, however EE continued to update it for 5 months, it then disappeared off my credit file and the CRA confirmed that EE had removed it and then 2 months later Lowell added there default. My question is, ‘Has DPA been breached, and is it worth making a complaint to the ICO?’ Many Thanks [/size][/size]

As has been previously mentioned on here ANPR have now been given the boot by the BPA Ltd. This is their press release:- http://britishparking.co.uk/News/bpa-terminates-membership-of-anpr-limited And about time too!

Hello, This is my first post on this forum so I hope I have posted into the correct area, apologies if not! I recently received a CC Claim Form and a Judgement for Claimant (in default) after picking up post delivered to my old address. The CC Claim Form was dated August 2014 and the Judgement dated September 2014. I managed to pick up this post at the start of February 2015 having moved address in January 2011. Until I opened the post I had no idea of what this contained. The Proof of Claim details are:- Claimant - Cabot Financial (UK) Limited, 1 Kings Avenue, Kings Hill, West Malling, Kent, ME19 4UA Address for Sending Documents & Payments - Mortimer Clarke Solicitors, Worthing, West Sussex Particulars of Claim:- "By an agreement between CitiFinancial ("CFE") & the Defendant on or around xx/11/2007 ("the Agreement") CFE agreed to issue the Defendant with a credit card upon the terms & conditions set out therein In breach of the Agreement the Dedendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant on xx/09/2010. THE CLAIMANT THEREFORE CLAIMS: xxx.xx" The amount is between £700 & £800. As I did not know of any claim I did not have any chance to defend myself and therefore the Judgement was made on xxth September with additional costs of around £150. I called the Court to request further information and guidance and later checked out this website and decided to apply to have the CCJ Set-Aside - this cost me around £150 for the service. Before attending Court I received a letter with a draft order from Cabot agreeing to have the Judgement Set Aside and I attended court earlier this month where the Judge granted this as below:- 1. The Judgement against "me" dated "xxth September 2014" be and is hereby set aside 2. The registration entry be cancelled 3. The Defendant shall send to the court and to the claimant fully particularised defence by 3pm xxth April 2015 4. If the Defendant failed to comply with paragraph 3, the claimant shall be at liberty to enter judgement against the Defendant I have submitted a CPR 31.14 Request to Cabot with a copy to the solicitors and also sent a CCA Request to both. Earlier this week I received a letter from Cabot saying that "they acknowledge receipt of my request under section 77/78 of the Consumer Credit Act 1974, however it would appear that the address you were writing from differs to the one which is held on our records". " In order for us to provide you with the information you have requested whilst protecting the data of our customers, I would be most grateful if you would provide by return proof of your address. Acceptable forms are copies of a utility bill or driving licence." "Upon receipt if this information and provide it matches the details on our records, we will be happy to provide the information you have requested". How can I provide them with proof of address when I don't live there any longer? I'm confused as to how this works and concerned that I've not done the right thing! The CCA Request and CPR 31.14 Request was sent by me from my present address with the reference number on the Court Order etc. I've got to put a defence together for the first week of April and I'm under the impression that a CCA Request provides them with 12 days to respond, this is fine if my original requests are valid or does to recent "address differ" throw a spanner in the works and reset the time clock again? Can anyone help me please? Do I need to do anything regarding CCA / CPR? Thanks Simon

Hello all, Need some information for a friend... She was a director for a limited company but the company had money problems and ceased trading and has been closed down. Lloyds are chasing her for an outstanding debt for an overdraft she had with her limited company. The Debt has now been sold to a debt collector who is now harrassing her with letters and stipulating money must be paid. Can someone tell me if the director is liable for the debt, or the limited company itself is liable? Many thanks

Morning, Yesterday I received a letter from "Robinson Way Limited" the letter was for an address confirm. They must have sent some letter to my old address that was 5+ years ago, they could of easily checked the electoral role as I have been here for nearly 3. I am to get in touch with them and let them know if I do reside here. No details of what it is regarding is on the letter, however I think it relates to a Santender loan that I had with an ex a long time ago. My credit file states "Hoist Portfolio" it was recently held via someone else (can't remember who) Loan taken out early 2007 and I think last payment was August 2008 so in theory SB. Should I write back and say that I am who they are asking and get further details? For some reason the default date was early 2010 so that needs to be investigated also. Cheers, Flappy

Has anyone had any dealings with this company? My partner has recently checked his credit record and has two defaults - both from Mail order catalogues (one of which his mum has opened in his name and defaulted on) and the other has the above company name against it. Our original thoughts were both accounts were opened by his mum however she swears that she only opened one and my partner has never applied for any credit whatsoever. I'm assuming this is a DCA and I would like to send out a CCA request to both companies but I am struggling to find a contact address for this company. Can anyone help?

Hello, I have read with interest postings re: Transport Investigations Limited. I unfortunately am having to deal with them currently and am after any advice fellow consumer action group members may be able to offer. In summary, I use a mobile train ticket app which entails purchasing upfront a bundle of 12 journeys in a package. So they are pre-paid tickets which require individual ticket activation before use. On the particular day in question I genuinely forgot to activate a ticket until arriving at my destination. This may also have been down to the app being very tempremental and frequently crashing before I can perform the activation (a problem I have reported to the TOC). So this is a case of late activation of a pre-paid ticket. Once I had activated my ticket upon arrival at my destination I used the app which generates a bar code and I showed this bar code to the automated barrier scanner which alllowed me to exit the station at my destination proving my ticket valid. This was in full view of TOC staff. I was stopped by a RPO working for Transport Investigations Limited once I had passed through the barrier and had the activation time of my ticket checked which showed it had been activated after the train I was travelling on had arrived at my destination. I was questioned about this and allegedy accused of having travelled without a valid ticket, despite other passengers queuing up to buy tickets at their destination (ie paying at the end of their journey, thereby geuinely travelling without a valid ticket,which seems to be tolerated, surely you can only have one rule either you must have a ticket before boarding a train or not (pay on the train is allowed or pay at the other end)) I am being pursued by Transport Investigations Limited now alleging I travelled with intent to avoid paying a fare. I dont know if anyone else has had experience using these mobile app based tickets. I have used the app since March 2014 without incident and prior to that purchased paper weekly tickets and have done so since early 2008. They have sent a letter now saying an application may now be made to issue a court summons. I have replied in full with my version of events in writing, but the letter I have had back, in common with experiences of eveyone else on here, has none of my points/questions addressed. I now have a week to reply before they take it further, I obviously wish to avoid court and would rather accept an administrative settlement. Indeed the TOC policy I have checked says that court is only used as a very last resort the offer of paying the fare (which I of course paid upfront weeks before so they have my money) plus an admin fee is the first option. I would welcome any advice fellow commuters could offer, this has been causing me some stress as I attempt to recover from a recent hospitialisation for surgery.

Effective from 16:00 Wednesday 10th December 2014, Microcredit Limited have Ceased Trading as a Payday Loan Company. [ATTACH=CONFIG]54808[/ATTACH]

Hi all, some time ago I was contacted by Black Diamond-Legal Limited with respect to claiming back PPI. I decided to go ahead, as I just wanted to check on previous unsuccessful claims, this was in June. I have been contacted by an old bank, stating that I am eligible for a refund, they would contact Black Diamond-Legal Limited directly as I had given authority. I have tried to contact Black Diamond-Legal Limited from August this year, to no avail. Has anyone experience with this company/? thanks clayton

Hi, I'm hoping someone may be able to help me with a problem I have which involves Turnbull Rutherford / HFO Capital Limited & HFO Services Ltd. It revolves around a Barclaycard debt going back to 2007. I have attempted to get Divorced & had my submission returned form the Court due to their being a Couple of Charging Orders listed against the property I shared with my ex which we had a mortgage in joint names on. It would appear that a CCJ was granted at Northampton CC on 4th July 2008 in favour of HFO Services Ltd ( I was never notified that they had applied for a judgement so was not able to attend to defend ), subsequently a Charging order was granted on 14th August 2008 at Guildford CC ( according to a letter from Turnbull Rutherford ) although a copy of the Final Charging Order as supplied by Turnbull Rutherford is Stamped Guildford CC & Dated 29th September 2008 ( again I received no notification of this action so was unable to attend to defend). I first made contact with TR in December 2012 to query the Charging Order & also to enquire as to what the debt was as I had no knowledge of it, at the time of my call the representative of TR was very vague & offered little information, although I stated that I had received no paperwork or notice of the action taken his response was basically '' we have the charging order so I doesn't matter now anyway, pay or we will sell your house''. I received a letter from TR a couple of days after my call suggesting that I had discussed a settlement figure for the debt ( which I never had ) and the client detailed on the letter was HFO SERVICES LTD. I spoke to my ex - wife who confirmed that she had not received any paperwork in relation to this matter ( I was no longer living at the marital home & hadn't been resident since 2006 ) I spoke with someone who advised the debt was 6 years old that it would be statute barred & to have no further contact with TR which I duly did. I received another letter from TR in March 2013 again incorrectly stating that I had contacted them and requested a settlement figure ( which I had not ) I ignored this letter and made no contact with TR. I applied to Guildford CC to have the judgement set aside I completed a form as supplied by the court and paid the fee ( cannot recall the amount ) and sent the paperwork to the court. Approximately a week later I received a call from TR which I took by mistake during the course of which the TR representative again suggested that if I didn't pay they would force the sale of the property & also that my attempt to get the judgement set aside would fail, they suggested that the court had contacted them following receipt of my application which had prompted their call. I have until recently resisted all contact from TR however my circumstances have changed whereby my ex wife now wants to move on with her life & potentially re-marry which she cannot do until we are legally divorced, she had suggested that her Father would be willing to settle the debt in order to get the charging order lifted so that the divorce can go through. Reluctantly I have tried to contact TR only to find that they have been struck off and that the Debt is now being handled by HFO SERVICES Limited, I have obtained their number and called them, I have requested a settlement figure to which they have asked me to make an offer, as instructed by my ex father in law I have offered the sum of £1800.00 against a debt of £3547.90, I spoke with a guy called Ankur Srivastava who said he would go back to his client and respond to me by email which he has now done. His response is as below; Your Account With- HFO Capital Limited Original Lender- Barclaycard Original Reference- ..............# Balance Outstanding: £3,670.90 Further to our telephone conversation this afternoon, we would like to inform you that HFO Capital is willing to close the account by offering you a one off payment for £2,753.17 as full and final payment on the account. his represents 75% of the current outstanding balance. We would also like to inform that above mentioned balance does not include any post judgment interest added to it. As you may be aware the judgment was obtained in 2008, however HFO Capital has decided to waive off interest for all this time. HFO Capital Limited would also like to confirm that once the payment is received in full, we would inform the court to get the judgment marked as satisfied against your name and also instruct the land registry to remove the charge from your property. HFO Capital would also be contacting the relevant credit agencies to get the default marked as satisfied against your name. Please feel free to contact me on 0208 899 7452 if you have any further questions. Please note that settlement offers are time bound and would be valid for a fixed time. Regards, Ankur Srivastava HFO Capital Limited PO Box 342, Lavender Park Road, West Byfleet, KT14 6YX T: 0208 899 7457 This footer also confirms that this e-mail message has been scanned for the presence of computer viruses. Any views expressed in this message are those of the individual sender, except where the sender specifies and with authority, states them to be the views of HFO Capital Limited. HFO Capital Limited is a limited company registered in in Eire; Registered Office: 22 Bridge Street, Ringsend, Dublin 4, Eire Registered Number: 446327 Vat Registration Number: IE.9673073N. Director: B Nathan (British) S. Blackburn (Maltese) HFO Capital Limited is authorized and regulated by the Financial Conduct Authority. Interim Permission Number 614989. I have noted that he is saying that his client is HFO CAPITAL LTD & he has signed off his email as being an employee of HFO CAPITAL LTD, the judgment & Charging Order is in favor of HFO SERVICES LTD. I have tried to contact GUILDFORD CC to seek clarification of the judgement & who it is in favour of to see if the fact that monies are being requested to be paid to a company other than that named on the Judgement & Charging Order is legal or if I can get the Judgement set aside due to this discrepancy. I apologise for rambling but am new to this & out of my depth, just wanted to put as much detail on here as possible in the hope that someone can help me. Any help or advice would be gratefully received.

Apologies if this has been asked before but I need to send a complaint to Orange PCS Limited that will get some action. Does anyone have a contact name and address for someone that I can write too. Thanks

Hi, after some advice and investigation on the Which website, we discovered that there's been some issues around self-certified mortgages. We sent a letter to GE Money using the template letter - I'll attach this. We've now had a response that GE Money didn't sell the loan, The Personal Loan Express Limited did and they are no longer trading, so we should contact their administrators. They then go onto say that the issue is 'time barred' because the loan was taken out over six years ago. Then finally they say the complaint is closed and to refer to the Finance and Leasing Association if we're unsatisfied and not to contact the Financial Ombudsman because it is outside their jurisdiction. They also sent a copy of the original credit agreement, which I will also attach. Any advice of next steps to take would be hugely appreciated. The loan was taken out to consolidate debts but there was no checks done on my father's income which now due to ill health is non existant and no checks to ensure that it covered all the debts to be affordable.

Hi Guys, I have had ongoing correspondence with opos regarding a loan I took out with MiniCredit almost 2 years ago. After repeated requests for them to provide me with a completed breakdown of the claimed debt including charges/fees/interests I have finally received the below. They are attempting to claim £1,187.50 on an original loan of £150! Would appreciate any advice on how to respond. I am sure the Debt recovery fee and attempt fees are unenforceable. Here is the requested statement : Loan reference: Date issued: 01/09/2012 Due date: 25/09/2012 Loan principal £150.00 Interest £217.50 Overdue charges £80.00 Debt Recovery fee £100.00 Attempt fees (£5 per attempt) £640.00 Total balance £1,187.50 Payments received 31.10.2012 £100.00 05.11.2012 £100.00 Sincerely, Derek Thanks in advance guys.

Hello This is just a little warning for anyone searching for information on the following three companies.harrington jones limited, cobley johnson partners ( cjp) and consumer claims ( consumer-claims dot com) They are all sening letters to people fishing for work, they are not including their fees and cleaverly miss out vital pieces of paper work where these fees are contained Do not sign any letters of authority from any of these companies hopefully people searching will see this and be warned.

Had a letter earlier this week from: Absolute Locate Dear Mr x We require your assistance to verify information on behalf of a client. This is part of an investigation we are currently conducting Please contact ect ect No, I have not responded, and don't intend too. Letter states this registered office is for a Nat Bourner Huddersfeild HD2 1GN CCL 579084 DPLN ZA019311 Having done some homework and looking on this group, they are not who they say they are First off, the CCL 579084 is incorrect, Consumer credit number 579084 is for a Natalie Alice Bunyer not Nat Bourner as stated in this letter (She has married, but not changed the name) She also resides in Surrey not Huddersfeild this information is therefore falsely registered and constitutes either fraud and or deception. these people are in fact: Global Debt Recovery Limited Milbourne House 66-70 Coombe Rd New Malden, Greater London KT3 4QW I am assuming that their client will be: FV-1 INC of 25 CABOT SQUARE, CANARY WHARF, LONDON E14 4QA if you take a look here at: mylawer co uk - restriction of debt collectors They have already broken the following guidelines 1 Those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is 2 Not informing the debtor when their case has been passed on to a different debt collector 3 Passing on debtor details to debt management companies without the debtors informed prior consent i.e FV-1 INC will have passed any alleged debt onto Absolute Locate, who in turn will then pass that onto Global Debt Recovery Limited and all without my informed prior consent, add to that Absolute Locate is just a dummy office which IMO amounts to deception. Adding to this, they would’ve already broken the Data Protection Act by passing my details on. I will post more when I receive their first letter. But as you can see from my tone, I am not going to be messed with by idiots, I will be going straight for the jugular Ps. If (big IF) there is a debt, if would’ve to be more than 8 years old or more, so Statue Barred.

Hello team, Returning member which needs your kind help again, thank you in advance! Today, I received a phone call and subsequent email from a nice lady from Wilson and Co telling me that they have been instructed to enforce a High Court Write against my Limited Company. None of the documentation, Notice of Claim, Judgement Form, invoices, etc. has ever been received by us. By phone, the nice lady told me that papers were served by recorded delivery to what I confirmed to the lady is our old service address. We moved to a new "virtual office" a few months earlier. (Formally changed via Companies House). We are a web based booking company and have no assets. The business address is a virtual office, we are not there, but any mail (we don't get any really) is forwarded to our home address. They don't have our home address - well I have not given it to them anyway. The debt is for a magazine advert to promote our business. The nice lady has emailed me the details of the Judgment and costs incurred, as follows: Judgment £731 Costs of Execution £111.75 Assessed Solicitors Costs £152.00 HCEO fees: £944.00 I told the nice lady that that I will communicate with her by email, she is happy to do so by email. I confirmed in writing that today is the first time we are hearing about this judgement and writ and that I am amazed at the excessive HCEO fees. The nice lady has been kind enough to tell me the cliam number and and where the judgement was obtained, "County Court Business Centre". Where do I go from here? Can I apply for Set Aside and Stay of Writ? This has got totally out of control and the fees are absurd! Do I contact the creditor, an (advertising/printing house) or do I contact the solicitors which has instructed the High Court Writ against by business or do I continue in email exchange with the nice lady at Wilson and Co.? On a different side-point, I am furious with my ex-accountant who it seems has been "signing for" important letters from the Courts and not informing me. If this is really the case, and the creditor has been sending such letters and claims packs by recorded delivery, then I will be paying my old accountant a visit and making a complaint! At the very least he should be emailing me to say he has what looks to be important letters for me, or even better, he should be refusing to sign for them and they would automatically be sent back to the creditors solicitors, whom would investigate further by either visiting my website or checking Companies House listing for the new service address. I feel like I have a case against my ex-accountant as he has helped balloon this relatively small debt, to a ridiculously large one. Back to what my next move should be? Any help and advice would be most appreciated. Thanks, Jameson

Hi I am looking for some help/advice regarding how to proceed with a CCJ I have obtained against a Limited Company I undertook some work for and have not been paid. The background is that a workmate and I are owed £2915 (total) from a one man band building company whose company address is registered at his Accountants. The CCJ is against the company at the Accountants address which obviously will not have any assets there belonging to the building company so there seems no point in sending bailiffs/sheriffs to that address to enforce the judgement. The owner of the building company made a personal promise (on his daughters life believe it or not) to pay us and has also confirmed that statement to 2 directors of the main contractor he was sub-contracting the work from. Can anyone advise how I can best proceed to recover the debt? thanks

My other half unaware had parked in a car park to her mates flat, unaware of any signs etc regarding non payment back in February this year.. . Not having a ticket on her car, someone must of taken it off, as they did send proof of it on her car... She hadnt paid the fine back then, now have a letter from BP Collins Solicitors "Letter of demand" for the sum of £150.. Do we have to pay this? Or can we ignore the letter?? They are acting on behalf of Combined Parking Solutions Limited (CPS) Any advice etc would be great and many thanks in advance.... If any other info is needed please ask... Thanks.

Please ignore have posted query in wrong area.

Hello Just looking for some advise regarding a county court claim letter received today Issue Date 03/06/2014 Particulars of claim Claimant's claim is for the balance outstanding under a Bank account facility Clydesdale bank plc trading as Yorkshire bank ("CYRB") agreed to maintain for the defendant. it was a term of the Bank account that any Debt balance would be repayable by the Defendant on demand. Despite a demand the defendant has failed to repay the amount due. The debt was assigned to the claimant on the 18/09/2009 The claimant therefore claims 1) 626.79 2) Interest 350.51 The current account was opened probably in the 90's as a school savers account then later transferred to myself probably at sixteen. From my understanding this was completely paid off in 2010 but can't prove it as now 4 years on i have no statements or any details regarding that account What is my next step?

Hi, Mu son had a letter from the above regarding a debt with AKTIV KAPITAL (UK) Ltd-PROGRESSIVE CREDIT LIMITED It did not state what the debt was for. So we sent a letter not acknowledging any debt. We also sent the letter regarding contact by telephone and door step visits. We sent that on the 25th February 2014 Recorded Delivery. Today 12th May 2014 we have received another letter dated 9th May 2014 with copies of the debt in question which was Aqua Credit Card. When my son had this card he did get into difficulties with paying it as he lost his job they were unhelpful about accepting reduced payments so they received no payment. Last payment made 14/7/2011 £20. They have sent copies of the Credit agreement and copies of all of his statements from when he had the card. Last statement date 11/7.12. The letter states further to your recent communication and have pleasure in enclosing a copy of Credit Agreement and detailed statement of account. We trust the position has now been clarified and require a payment and settlement proposal within 7 days in order to resolve this matter without further delay. What is the best course of action to take now. We have had no notification that they are officially in charge of this debt. Shall we write back and ask them for paperwork to say that the debt has now been passed to them. Any help please would be appreciated. Thanks

Hi everyone, First of all, thank you for taking the time to read this, and thank you for any advice you can offer. I have a letter in front of me, from DWF LLP on behalf of Arrow Global Limited, asking me to repay £4709.51. There's a sentence referring to previous letters they have sent, but I haven't received anything. It goes on to say "We require your proposal for repayment of the above amount. We enclose an income and expenditure questionnaire for you to complete and return with your offer of repayment within the next 7 days. Should you wish to discuss this matter please telephone our recoveries team on 01132616178. We look forward to receiving your reply during the course of the next 7 days". There's also a form enclosed asking for a detailed run-down of my income, possessions, property and the like, which I've noticed at the bottom has a section with the paragraph "On providing the above information I/we acknowledge liability for the debt outstanding and my/our offer of repayment is:"... To give you some background on me, I'm very wary of credit, loans or anything similar due to hearing stories about stuff like this. The only loans I've knowingly taken out are the finance agreements on monthly car insurance payments. I'm not overdrawn and have only ever had my current bank account. My cars are always bought cash, as is anything else I buy for the house. I have a contract phone, but it's paid up to date. I literally have no idea where this has come from. The only thing I've noticed on finding this forum (thank God!) is that people have been contacted by this company due to debts with Orange, and while I was with them, I don't know of any debt. I did receive a final bill from them after paying a final bill, but after an argument with customer services it was cancelled. I'll be honest, I know I've done nothing wrong, but I'm bricking it. Please help!

Was unfortunate enough to land myself a Parking Charge Notice from Excel, for "Parking without displaying a valid ticket/permit". Usual gubbins about paying £100 if not paid in 28 days. Looking at the ticket, there's nothing filled in for the site number, which is also required for their payment slip. Would I be best off to ignore it, as has been suggested on other posts? Apologies if anyone is repeating themselves. Ta.

Hello all, I have recently viewed my Credit Report as I was declined credit on goods I wished to purchase and noticed that Gothia Limited placed a Default on my file dating 06/10/2011 to the sum of £168. Doing a little digging into this I uncovered that in my last year of university my ex-girlfriend purchased some goods from h&m in a 'pay after you have received them' type situation. The start date is listed as April 2011 which is when i assume that she had ordered the goods. I do recall receiving some (what I deemed to be) incredibly suspicious letters regarding monies to this amount owed, however I naively discarded them as spam - i genuinely did not have a clue that it was regarding a real debt. I also vaguely recall the names of various companies whilst reading on this forum: red castle (spelling?) Buckanan Clark Wells (Spelling?). I recall receiving this communication to my parents house where i currently reside - i have not been to the previous address since the year that we lived there. I have attempted to read through all of the various threads on here regarding advice on these matters and on various other websites - much to my dismay I am still rather non-the-wiser as to what I should do. Again apologies for my ignorance on the matter but i truly have no idea whether to communicate with them and attempt to pay and have it marked settled or simply wait until what i understand to be 06/10/2017 when it would drop off automatically. If i have omitted any information please do let me know and I appreciate any advice. Kind Regards