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Showing results for tags 'chasing'.
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Not sure if someone else has come across this But I am facing 2 HMRC Issues which shows their non professionalism and inadequacy: Issue One (1): Last year my Spouse was on Maternity for 1 year which included paid, Statuary and Unpaid 3 months of Maternity pay. Since it affected our overall income I rang up HMRC and requested them if we are eligible for any Benefits due but they did calculation based on previous year and said we do not qualify for any benefits as we earned over £32000 for previous year and requested us to call them back later. However few months after my son was born and my wife's maternity finished I called them up again and asked for Child Benefit as our actual annual income for whole year fell below the estimated annual income but this time around guy working out said we do qualify and should've received tax credits HAD we called and Claimed benefits earlier. I disputed that I did call earlier but was given wrong information but he stuck to argument since I never claimed within given months I've now lost out on it. Issue Two (2): I received a letter from HMRC that I currently owe them approximately £500 in tax from year 2013-2014. Problem is that last year when I changed my employment I was charged at Basic Rate so I called up HMRC and told them about my change of job and salary etc and they said they would automatically send new Tax Code into new Employer's System which they did. Now If they are the one who put tax code into system and were aware of all my change in employment details they are responsible for not charging me correctly. Saying that do they have a right to charge me back dated tax for a mistake they made? I've recently read in local newspapers that they have done that with many others this year as they had issue with their computer systems. Can this case be argued and is there a way that outstanding tax be waived off if I put a challenge up with HMRC? Any help will be highly appreciated -
Hi, Hoping you lovely people will be able to give me some advice as I'm having terrible trouble with Marsden debt collectors. Around three months ago my Polish girlfriend moved in with me having been a UK resident for around three years) when she did so i told her to switch her details with the DVLA for her address which she did. Having done that it seems she flagged up on Marsdens list for a speeding ticket that had been sent to a previous address, the short version is she had 4 changes of addressing 1 year and was out of the country for several months caring for her terminally ill mother in Poland. she never received the original speeding fine as she had moved and not notified as she wasn't at a fixed address. the first we knew of it was when Marsden sent a letter saying she owes £1055 ! I contacted them right away to find out the details etc.. . and i took my girlfriend to court to make a statutory declaration to say she had never received the fine in the first place, the court said the bailiffs would be notified and the procedure of the court case would start over again. That was the end of it from Marsden, or so we thought. We received her paperwork from court saying we had a new court date (november 4th 2014) of which we would attend and tell them what happened. However today Marsden have been back to our address with very threatening attitudes saying the court hadn't contacted them so they were still under contract to collect. i tried to contact Poole magistrates court but i just get stuck in a round and round automated phone system. i explained all to the Marsden bailiff who called me a liar and said it all still stands. I have a photocopy of the statutory declaration and the new court papers etc.. but couldn't show them as they were with my girlfriend at her work. How can i stop Marsden coming back they said its not up to them to contact the court but at the same time i can't get hold of an actual person to speak to at court ? Thanks in advance, Danny -
Received a letter a few weeks back from Robinson Way who were chasing a £450 debt for Capital One card that was paid off 7 or 8 years ago and the account was closed. Wrote to Robinson Way saying the account had been paid up and closed many years ago and if there was any arrears then they would be statute barred anyway. Got another letter today from Robinson Way saying that they had "an agreement from November 2012 with Hoist Portfolio Holding Limited" but Robinson Way would be handling the account and an enclosed letter from Robinson Way with their contact details on it. We've never had any contact with Hoist Portfolio Holding Limited but they do share the same address as Robinson Way. Any advice on how to proceed please?
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Hi Guys Over the weekend I received a letter from Marlin which I have attached to this post, as Cabot are the current Creditor will I send the SB letter to Cabot or Marlin? I have made absolutely no contact with Vanquis, Cabot or Marlin in the 5 years, the account went SB on the 31.07.2009 Marlin are very intimidating by their wording! -
Hi guys, I've received a letter from Cabot Financial, regarding a Barclaycard debt. They are asking for 10% of the debt of £3500 as a final payment to close account. I'll be honest and say that I don't remember clearly, but I believe this debt is very old, i.e. around 10yrs or more. I don't have anything showing on my credit files, so could you please advise what I need to do? Thank you.
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Hello I'm new to this. I had a letter from Cabot chasing a debt owing to Littlewoods for £420.47. I wrote to them on the 7th July asking for information as I did not recall this debt. They have finally come back saying it goes back to March 2008. They have not sent me a cca which I requested. What do I send them now? I am adamant this is not mine. Its worrying me. Can anyone advise please?
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Hey everyone. I received a letter today from DWP claiming I owe them £400. I rang them up and they said it was a Social Fund loan and it dated back to September 2011, that it was done via a Girocheque and that it was taken out so that Gas and Electricity could be payed for. I know for sure that this is not mine because I have never had any correspondence with DWP until the letter mentioned and at the time that this dates too I was 18 and beginning University and as such have not been able to even claim benefits in the first place and therefore would have not been able to make a claim for a Social Fund. They gave me the number for the Social Fund helpline so I can get in touch with them tomorrow. I have done a little research and all articles have said that I should tell them to prove that I took this loan out which I know they won't be able too for the reasons above. I just wanted to know if there are any other steps I can take? Thanks in advance
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Hi Guys I have just received a letter (redirected from an old UK address of mine) from EOS debt collection agency stating they are chasing a debt on behalf of a Swiss client of theirs. My questions are 1. Should I ignore it? 2. Can I be pursued in the UK by a UK debt collection agency for a foriegn (Swiss) debt? Cheers
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In 2005 I paid (what I thought was) the final payment towards a mortgage shortfall arising from repossession and sale of a property. The mortgage was in joint names with my now ex wife. I argued with the DCA at the time that my wife was jointly liable despite her claim she could not afford to pay, and eventually agreed to pay 50% of the Lenders' shortfall amount. The DCA claimed to be acting on behalf of the Lender. They wrote and stated that the Lender was prepared to accept my 50% offer in full and final settlement of my liability to them. I paid the agreed amount in full and received a further written confirmation from the DCA that this was accepted by the Lender as full and final settlement of my liability. They stated that the Lender reserved their right to pursue "any party not named above" for the remaining balance. They stated that the Lender would make arrangements to show that my liability has been satisfied on the register maintained by the Council of Mortgage Lenders. However, I have now had a letter forwarded from a previous address claiming that it is from the Lender with a letter 'enclosed' from a 'solicitor' with whom the debt has now been assigned to from another DCA I have never heard of! The letter claiming to be from the Lender appears to have an old logo which I am unsure as to whether they would actually use and it is enclosed with the letter from the solicitor which strangely bears the exact date the solicitors letter bears. They are claiming that I owe them the other 50%. They state the following: "We understand that payments have been made towards this account in the past and from this we have determined that this account is not in dispute, there is no valid legal reason for it to remain unpaid and these payments are an admission of liability. If you believ this not to be the case you must contact us immediately to advise us of the details."! Where do I stand on this. Could this be the 'solicitor' faking the Lenders letter? Any advice appreciated. Thanks. -
I just thought I would check something here. Some time back I was issued with a parking invoice by UK Parking Controls Ltd. I have ignored it for some time and started getting the usual letters from Debt Recovery Plus. the latest one is offers to let me pay my parking invoice by instalments. Surely they need a credit license to take payment by instalments? -
In 2004 I left Australia & returned to the UK. I had an Australian Virgin Credit Card & provided them with my address & contact telephone numbers in the UK. I continued to make payments from my Australian bank account until it was closed in September 2004. I contacted Virgin by telephone & post to ask how to make payments from the UK, no response was received. Correspondence & statements from Virgin also stopped. In October 2009 I received correspondence from Stevensdrake solicitors saying my debt had been sold to Credit Corp and they were demanding full & immediate payment of the debt which had risen to $7208.62. I managed to agree with them that I pay £100 a month but they then wanted it increased to £500 which I couldn't afford. The statements they sent me were irregular and incorrect and they became very threatening. I stopped making payments in 2010 and eventually in 2012 after involving the Australian FOS etc Credit Corp agreed that I could pay the original debt of $3882 minus what I had paid in 2009/2010 in £100 monthly instalments and I gave them my card details to make the payments. They never actioned the payments and are now again asking me to pay the debt in full which is now over $8000 again. As the debt is from Australia and from 2004 do I still owe this debt?
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I had a letter come through the door a few weeks ago from Lucas Credit Services, stating that they were acting on behalf on Lowells. In the envelope was a letter from Lowells saying Lucas were sorting the debt for them, and i had 7 days to reply Before the 7 days was up i had Lucas emailing me "if you don't reply to us, we will continue to correspond to you via email". I had no more letters but 3 emails. Up until now, i've not heard anything about this debt since 2011. It seems as though they are trying to get a rise out of me. Do i correspond to them via email? At the moment, i set it to go into my junk folder, i did debate blocking them. History: Its a Vanquis credit card taken out in 2010 of around £400ish. I tried to pay them multiple ways: went into bank and was refused, rang up and they kept disconnecting me. with that, i didn't bother to pay I then came into financial difficulties, i'd gone beyond the point of no return. It was defaulted in 2011, and no payment was ever made on the account. Its no up to £600 odd, and i know most of that is charges. Whats your guys take on this?
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Hi, I have been getting letters from Cabot Financial chasing a debt from a loan I took out over 9 years ago with the coop it amounts to £3790. I am in a Debt Management Plan but this is not included in it. Can they still chase for a debt that is so old?
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Hello, Looking for a bit of advice please as I have received a letter from Lowell saying I owe Three Mobile £397 so I requested a statement as the number they are saying the debt is on is for an old Three mobile account that I had years ago. I should add that I am still with Three and have been for years with a different number on which I have just got a fantastic upgrade package for being such a good customer! Lowell are saying that the number concerned terminated early so £335 is an early termination fee and £61.82 is airtime balance outstanding. I asked for a statement and they have sent me a statement dated 26 June 2012 from Three showing £61.82 only with a message on the bottom of the Three statement saying "We closed your account on 29th May 2012 but the balance is still overdue" The Three statement makes no mention of an early termination fee and Lowell's letter says "After liasing with Three mobile we can confirm an early termination fee of £335.83 was added to the outstanding airtime balance of £61.82 unfortunately this does not appear on the statements (even though there is only one statement) enclosed" I honestly can't remember how I cancelled this contract but surely I would have known if I'd have cancelled it early and would Three really have let me have an upgrade on my current mobile if I owed them money??? How can I be sure I owe this before I pay it? They are threatening Legal proceedings if I don;t pay within 7 days. I have looked on my Credit file and it shows 2 entries for Three. One shows £62 outstanding says started 25/1/06 updated to 29/7/12 and the other says Settled - started 19/7/2011 Updated to 10/3/13 so no mention of £397 anywhere! Would really appreciate some advice. Thank you Deb
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Hi All. Apologies if this has already been covered. Last year I signed up with BT Infinity, using their Homehub 3. The wireless was appalling, with all of our devices having bandwith and connection problems. It was obvious that this was not a fault, just that the home hub 3 is useless. I raised several cases with BT but of course there was no way they could fix the issue. I asked to try a Homehub 4 but they wanted to charge me extra. Out of principal I refused. As they couldn't fix the problem I moved provider. Since then my wireless has been seamless. So, BT are trying to charge me for coming out of my contract, so far the money owed has been racked up to be around £450 with debt collection fees. But I refuse to pay out of principal, I will not pay for a service they did not provide. We reached deadlock and I went to the ombudsmen, and surprise surprise they gave the old chestnut "BT do not guarantee a wireless service" etc... my argument is that their advertising, on TV and on their website, strongly suggest that the wireless service provided by their home hub 3 is strong and robust, which its not. Is anyone else in a similar position ? What further steps can I take now that the Ombudsman Services have made their decision ? -
Hi Guys, sorry if I'm posting this in wrong forum! I have an old business loan with £15,000 outstanding. However, the business went bust a in Dec 2012 and was Dissolved. I sent Westcot who are attempting to collect for Hoist Portfolio Holdings who bought the debt from Lloyds. I sent them request for True Signed copy etc, they responded two months later with the wrong material. I replied saying that if they couldn't supply it they were in default and had no recourse, using standard letters quoting Consumer Credit Act etc. However, they have now written back saying as it was Business Loan for which I had signed a Personal Guarantee, the Consumer Credit Act stuff doesn't apply. I have 30 days to respond with a plan for repayment or challenge further. I can scan letters if need be, any help much appreciated, as I simply don't have the money to pay them, I'm on the breadline as it is! Thanks. Urban Stealth -
Hi guys I've received a letter from Lowell Financial this week stating that they have... ''bought an outstanding balance i 'had' with HFC Bank LTD. You have not yet cleared the outstanding balance, so they have asked for us to get in touch. We can help you clear the outstanding balance and repaying your debt may help to improve your credit rating'' I will attach a image in the next post. Where do I stand with this as this loan was taken out around 2006/2007 I believe. Thanks Guys
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Lived with a friend about 5 years ago. I was on council tax benefits, he wasn't. The council are now chasing me for £400 because they can't find my friend. I'm no longer in contact with him and don't know where he is. Because they don't know where I live, they had a liability order issued without my knowledge to my PARENTS address, even though I don't live with my parents and haven't since I was a teenager. My parents are now being threatened with bailiffs. I've explained to the council that I do not live at my parents property and they're simply forwarding mail to me. They say they'll make a note but then they keep sending letters to my parents home. I don't know whether to give them my address or if I'm even liable? I'm on ESA and DLA, need round the clock care and have to pay bedroom tax, I can't afford to pay a debt that belongs to someone else. Can the bailiffs do anything at my parents home even though I don't live there? -
I received a letter yesterday from Medina Credit chasing monies to the tune of £328.90 for my old property address which I vacated back in July 2011. They did not state what it was for just saying that they are acting on behalf of Mount Green Housing Association regarding an outstanding debt. I cannot understand what it is for as when I was living there nearly 3 years ago I was a single mother with 2 children and on full housing benefit, so I know it's nothing to do with rent arrears. I left my flat clean and tidy, even the tenancy agreement stated that the tenant is to remove all personal possessions and rubbish, which I did. The only thing I left behind was my carpets (which were in good condition). To be honest I physically could not pull up carpets 2 floors up and dispose of, however I do think it's a cheek that the Housing Association have not contacted me in nearly 3 years and passed this straight on to a debt collector. I have emailed the housing association asking for proof of this debt, so I wait for the response but going on past experiences with them they are totally incompetent and make mistakes all the time. I didn't know if there was a time frame to chase money when you vacate a property because 3 years is ridiculous. The housing association have not followed any protocols at all when chasing money, so just wondering where I stand really any help much appreciated -
just wondering had one of their letters last week and phone calls started tonight. had letter last week with a letter from 3 mobile saying they have sold a debt for a mobile bill. all my mobile bills was paid and it was in 2007 when they changed the network and my service became none usable. they agread to terminate a fairly new contract and not hold me for the reminder contract so was billed and all paid up. i get a bill from lowell saying i owe £54.40 and was going to ask them to prove it until i got my phonecall of them tonight. womman would not refer it as in dispute and wanted me to prove on the phone that they where wrong etc. i said its in dispute and if anything stat barred wich she replied no it aint and their pursuing. they recon three mobile did not have my address well thats untrue they also had my phone numbe r and was never billed or even sent anything i have a new dongle contract with them thats not working due to bad signal and that will be took up on over the next week or so. in the letter from lowell they said they brought the debt in 04/03/2011 so does that restart the clock on the stat barred. -
post in the DEBT COLLECTION INDUSTRY forum dx -
Debt collection agency is chasing me for limited company debt for a company that closed about 4 years ago. They claim I was a guarantor and that the debt would have been registered with credit agencies which will affect my ability to get credit. I cannot remember but I might have signed as a guarantor and money owed relates to overdraft. Any advice would be appreciated. -
Good Morning Wonderful Caggers! It has been a couple of years since I last fell foul of a nasty DCA as all your previous help assisted me in removing them! I have something here I would like a little guidance on if possible. I had 2 EGG cards which were transferred over to Barclaycard. These 2 were settled in Sept 2008 and February 2009 respectively, ans show as such on my Equifax Credit Report (but not on Noddle strangely enough). Marlin seem to have just taken this on and are now calling and threatening solicitors etc., etc., To be honest I don't want to be drawn into a war with these idiots, however, what would be your recommended action with this? It shows on one credit report, but not another? Where should I begin? As always, the best of great things to you wonderful people!
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Hi posting for a friend please. A friend had two bank accounts with Lloyds. There are balances on both accounts (totalling £1100). We put in a claim last year for Bank Charges (a bit late I know, according to MSE it can still be done), the case is currently with the FOS awaiting a final decision. He keeps getting letters from DCA's acting on behalf of Lloyds and has now received a threatening letter from a DCA's Solicitor. Lloyds are fully aware that this case is with the FOS. Are the DCA's allowed to continue to chase the debt even though it is under query and with the FOS? Furthermore, the amount they are claiming is incorrect. Lloyds Bank sent a letter in March 2013 waiving some of the interest charged being £350 across both accounts. The Solicitor's letter does not include this discount. Many thanks
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This originates from Cabot Financial who tried to via CCS Collections to obtain £875 on their behalf, no client was listed. I wrote back making it very clear that I have no outstanding debts that have not been serviced and that if the alleged debt was mine which I know it is not then please provide the proof. After a couple of letters exchanged they admitted that it was an electronic request and they had not provided any paperwork. Now I have Ruthbridge on the case after £2625.70p owed to the Bank of Scotland?? I have never had any dealing financial or otherwise with the BoS or any associated company. Having read the background to Cabot Financial and Ruthbridge it seems both could best be described as chancers who chase statute barred debts and do have a habit of chasing anyone who might fit the bill to get some money. Is there anything I can do get these vultures to go away permanently?
