Hiya Everyone, Long story so i will try and cut it short. I got a car on finance last year (feb) the salesman stated to the finance company (blackHorse) that the car had 38000 miles on the clock, And charged me a 32.9% APR... The 38000 miles is on the Agreement i have got, But the MOT i have from the year before (2010) states the car had 56000 at that point., The car had really got 68000 miles on the clock and not 38000 . So i am now paying a higher price for a car that the finance company paid out on thinking it had alot less miles on it that it really did have. If they had known i doubt they would have paid out all that money against the car. What are your thoughts on this and any response im thankful for

I could do with some advice please... Back in March 2011 I returned to my vehicle from a doctor's appointment to find that a hit and run driver had "T" boned my car damaging the driver's front wing, alloy and door. I asked around but no-one saw or heard anything, so I went across the road to the Police Station and filed an accident report, in order to get an accident number to give to my insurance company. I subsequently contacted Churchill Insurance, my insurers at the time, and informed them that my vehicle had been hit by a hit and run driver. I also informed them that I was not in the vehicle at the time, that there appeared to be no witnesses but that there were CCTV cameras at both ends of the road that would have recorded the incident. At the time Churchill were very helpful and organised a hire car and to have my vehicle (only 6 mths old) repaired. Later that year I sold the vehicle (group 19 insurance) and bought a smaller car with a much lower insurance group (group 6e insurance). When I contacted Churchill to notify them of the change over of vehicle they wanted to charge me an extra £300 plus because I had moved 1 mile down the road into a new postcode area and their excuse. I refused to accept their postcode discrimination and immediately went about sourcing new insurance, which I did find at much less than my original policy. I then cancelled my insurance with Churchill (did not receive any refund on my payment in full of one year's premium). 3 weeks into my new policy, having spent countless hours on the phone to Churchill trying to obtain my proof of NCD, my new insurer's Octagon contacted Churchill on my behalf. I believe that this is something they do not normally do. However when they contacted Churchill, Churchill informed them that I had a "Fault Claim" on my policy. This was news to me as I had never been informed of this and subsequently Octagon said that because I had said "No" to the question on the proposal that asked if I had had an accident that was my fault, that the policy was going to go up by about another £400. In the end I had to cancel that policy and take out a new policy with Octagon - worked out about the same as the previous one but minus the excessive charges for altering the policy. It eventually took Churchill two attempts and 2 months to supply me with proof of NCD. The first NCD letter contained incorrect information, the second was correct in that it stated that I had 9 years NCD, with the NCD Protected and a "Fault Claim". I had in the meantime being trying to ascertain why Churchill did not follow up on the fact that there was CCTV footage that would have shown the parking area where my vehicle was parked and more than likely shown the vehicle that collided with mine, thus enabling them to counterclaim for damages against that driver. No explanation was given to me and despite my protestations that I should not have to be penalised because someone in their Accident/Claims department could not do their job, the outcome was basically "there was no-one else to claim against so the fault automatically becomes yours". Basically I was told to suck it up and get on with life. At the end of August my insurance with Octagon ran out but no new policy was taken out with them as I was added as a named driver on another policy. I requested and received my Proof of NCD from Octagon but on receiving it I found out that Churchill had furnished false information to Octagon regarding the circumstances of my supposed "fault claim". Churchill told Octagon that the claim was lodged as a fault claim against me because "I hit a Third Party in the Rear". Nice one - how do they work that out from a vehicle that has been "T-boned" with no occupants in it by a hit and run driver. Do they employ people to falsify details on their behalf? I contacted Octagon to try to get them to send out a corrected Proof of NCD but as they explained, they cannot do this without first receiving the correct information from Churchill. I have spent the last two days on the phone to Churchill being passed from one person to another. The first person I spoke to in Customer Relations told me he had escalated my query immediately to a top level complaint and told me that I would be receiving £75 in compensation for having to have my insurance the previous year cancelled because of their laxity in releasing my Proof of NCD and also the numerous phone calls I had made to obtain it. He also organised for an enquiry into why Churchill had not acted on the CCTV information and had instead penalised me. He arranged for someone from their Claims department to call me that day who was supposed to be organising for the correct information to be gotten to me in order that I could get Octagon to rectify the Proof of NCD as my partner's insurance company require it and time is now very short for getting it to them. I spoke to someone from their Claims department who was incredibly unhelpful, but who told me that she would arrange for yet another person to call me by lunchtime yesterday to rectify the incorrect information that they supplied to Octagon regarding my "fault claim" on my Proof of NCD No one bothered to follow this up so I contacted them again yesterday afternoon twice, and eventually having spent over 2 hours on the phone to them again, I was informed that the best that they could do was to put in a request to have a variance letter sent to me to furnish to Octagon (this would take 7-10 working days) stating that I had NOT hit a 3rd party up the rear and that in fact my vehicle had been hit by a hit and run driver. The woman from Churchill refused to even contemplate that the "fault claim" could be registered as a "No fault claim" because of the fact that the policy was cancelled. She also could not care less that their laxity and their furnishing false information had resulted in my previous insurers being unable to provide me with the correct Proof of NCD details for the current policy that I am on or that because they can only get information to me "maybe in 7-10 working days" that my partner would stand to lose his motor trader's insurance because of being unable to provide "legally factual" information on my Proof of NCD. I am sorry that this is so long but there is a lot of background information. Basically what I need to know is: If my partner's insurance is invalidated because I cannot provide my "legally factual" Proof of NCD to them can I sue Churchill for providing false information in the first place. This will affect his ability to trade and run his business and also to obtain future Motor Trader's Insurance. Also what recourse do I have for compensation against Churchill for not investigating my accident fully when it was initially reported to them. (I was told that "If we had known about the CCTV footage we would have assigned an investigator"). They were informed of the CCTV and neglected to follow it up with the Police. In fact from conversations with the Police Officer assigned to investigate the report, Churchill did not bother to contact him either. I also requested that they listen to the recording of my conversation with them from March 2011 and from August 2011. Any advice and help that you can give would be gratefully received. Thank you

Hi, I'm new to this and forums, so forgive me if I've put this in the wrong place. My ET1 was accepted. The employers submitted an ET3. Due to 'an administrative error' (Employment Tribunal's phrase), there has been a very long delay between my being physically attacked by my employers and the submitting of forms by them and the employers. I have literally just received the hearing and due process dates and today I have received a letter from my now ex-employers' solicitors, asking for an unbelieveable amount of information, that I would have to get together by this coming Monday. It would take me more than three days under perfect circumstances, but I am on new medication, from the GP, and have been referred to crisis intervention and a psychiatrist, as well as other health care professionals, as in their words, I am very ill, due to the stress of the attack, incidents leading up to the attack, subsequent court case and continuing intimidation and threats. I am too ill to get this replying information in this time frame. How do I word an email to the Employment Tribunal people, to ask for an extension, to get myself together enough, to answer all these questions? I am also suffering side effects from the medications and clinical depression. Also, I have been asked by the tribunal people to describe my disability (also present at the time of employment) under some kind of regulation rules. Do you know how I do this please? I take about ten medications to maintain my hormone levels, including Metformin as I am pre-diabetic and I am diagnosed with Bipolar Affective Disorder, which is triggered by things like stress, including someone trying to kill me. At some point, I will post a full explanation as to what happened, but I need to first remove the stress of being expected to answer a whole heap of intricately detailed questions by Monday. Thank you for taking time to read this; I hope it makes sense (it's hard to concentrate at the moment) and if anyone answers, I thank you, in advance, for your help. If possible, I think I have to ask for the extension today. C

Hello everyone, I am asking this question on behalf of someone else. A friend I know has been suspended at work and had their investigation a few days later. They were given notes from the investigation during which one of the managers were making notes throughout. My friend was extremely upset during the investigation as it had not happened to them before and did not know what to expect. Upon going home and reading the notes in a calmer state, realised that she had misheard some questions and therefore given the wrong answer. The misunderstanding has also meant that she admitted something that she didn't do. The result has been further suspension and possible disciplinary. My friend wants to rectify the misunderstanding and wants to write a letter to one of the managers, stating her side of the story. Basically, what I'm asking is, is my friend allowed to do this? Submit a letter stating what happened due to her misunderstanding the questions asked to her during the investigation? Thank you all for your help.

Hi there and thanks for looking at my question my father( aged 74) took ill 3 months ago. mum was finding it hard to cope with him - his health has been deteriorating rapidly and the decision was taken ( as all family lived over 50 miles away) that they should move closer to me - to provide support and care to both. they live in their own property ( which was bought from the council under the right to buy- 20 years ago i think) the property has been well maintained however the area they live in has been in decline for the past 10 years - we struggled with the idea of selling and after much too-ing and fro- ing and given the urgency decided to sell to a home buyer co at less than market value - the property suitable to their needs was found and we need to put an extra £50K to what they have sold their house, we decided the quickest and easiest option was a buy to let mortgage using the proceeds of their property as the deposit. the question is, my mum claims pension credit - will the sale affect her benefits and would she be able to claim housing benefit to pay the interest on the buy to let?

firstly i didnt have a clue were to post this one ...appologies to admins if it needs moving Hi there i recently missed a court appearance regarding theDVLA Anyway the case was delt with in my absence and i was fined(alot may i add considering the offence ) Someone rang me 2 weeks ago and said “hello Mr yelow yourin the local paper it says you were fined £$$ and it says your age and home addressis Is this right ? I would have thought there would be somthing in dataprotection / human rights article 8 I realise the public interests thing regarding court casesbut i think printing my home address in the local paper is wrong Is there anything i can do ?

This action (beginning a private prosecution) has been discussed in some of our Bailiff threads, well the process has actually been started by one brave soul, though its against Police Officers, not Bailiffs. http://m.guardian.co.uk/uk/2012/jul/15/police-accused-kidnap-private-prosecution?cat=uk&type=article A district judge has given the go-ahead to a private prosecution against two Metropolitan police officers alleged to have kidnapped a man and threatened unlawful violence when they arrested him at his home, the Guardian has learned. Amazingly though, presumably the evidence is thus pretty damming, the Judge agreed and issues a Summons against the Officers. A very rare event it seems!

Given that certain bailiff companies run some offices for their Local Councils, would I be right in thinking that they would be obliged to answer FOI.....................

Good morning, can anyone tell me if I can obtain copies of witness statements from an employment tribunal hearing completed a year ago. I have a similar dispute with the same respondent and probably the same witnesses. Can I request copies from the respondent?

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Hi Guys, I’m looking for inside information regarding back dating Jobseekers allowance and also appealing against decisions made for deductions made to benefits. I’ve read all the pamphlets, the sticky and know what they tell you, I’m looking for info on what they don’t. I have the oddest feeling the system is designed to deny payments whenever possible. What is the criteria for accepting a back dated claim? What is the criteria for reversing a penalty to benefits? Or more precisely what reasons will get a sanction reversed?

I have come across this recent case Smeaton v Equifax, accessible for free on bailii. It has been decided that where a credit reference agency has not been complying with their continuing obligation of retaining accurate data, they will be in breach of the Data Protection Act, Section 13. Furthermore, if they have been negligently, by positive acts or omissions, showing wrong information about a data subject, the CRA's would be negligent and can be sued in negligence to reclaim any losses the data subject may have suffered. The CRA's have lost it to a litigant in person, and have now appealed it in the Court of Appeal, but it goes to show that if there are people who have suffered because of these people, you may be able to sue them. One point to note is about limitation. Cheers!! **Any information given here is not to be considered legal advice and should not be relied upon. Benbane Head does not accept any liability to the recipient or any third party for any loss suffered as a result of reliance on the information provided herein.**

Just been trying for 2 hrs to get my credit report from Equifax after filling in on-line form. After spending time inputting all the information there form wont recognise your credit card number. Try it several times and waste 1 hour still wont accept it. Next spend 30 minutes trying to find contact phone number on site non available. get contact phone number from Saynoto0870 By tne way its 0800 0665825 But you need to understand Hindustani. Spend 15 minutes telling him website doesn't work and him checking god knows what. He then says he can take application over phone GREAT No he wants to make additional charge for taking it over the phone. fee is set by law at £2 so I refuse. Isn't wonderful how easy the government makes these processes.

*******EDIT******** This is a discussion thread continued from here; http://www.consumeractiongroup.co.uk/forum/showthread.php?350867-Car-clamped-on-public-road-by-JBW-for-old-pcn I have every way of knowing that as I have seen plenty of TE8a forms. I also know that the stock argument that local authorities put up is that they are allowed to pass on details electronically to bailiffs under CPR 75 4 even though they don't seem to know that this applies to Orders for Recovery and not warrants and that bailiffs are not applicants to the proceedings (House of Lords 19 July 2011) I also know that the only 'warrant' that B & D have ever issued (in desperation after legal proceedings had commenced) came several months after their bailiffs Newlyn produced a 'warrant' for a court case under CPR 75 4. Not only did we have the farcical situation of two 'warrants' from two different sources being presented to the court as being the 'original', but two parties who have acted in contradiction of each other. Newlyn clearly arguing that CPR 75 allowed the electronic transfer of authority and LB Barking and Dagenham torpedoing it. To cut a long story short Newlyn's solicitor (CAG member 'fatty felton') was only too pleased to settle out of court seven days before the court hearing for a sum of £7000. Now what do think LB Barking and Dagenham have learned from this? And the bailiff had a warrant in you case? Start a thread and we'll discuss this. have you got a copy of the 'warrant'.

Are you a DWP Jobcentre Customer, on a Welfare to Work(fare) Programme or worried about a referral? Then you need to protect your information and data. A very good link below. http://www.consent.me.uk/

i need assistance with employment law, and personal injury claims. i would appreciate any advice that fellow CAG's can provided Work Related Breakdown i suffered a work related breakdown a year ago approx, however despite the problems at work i loved the actually job itself and always intended to return to work when i was well enough to do so, however i was pre empted financially and returned October last year and at that point formally started my grievance. like most people i had not idea of how a grievance procedure would work, so it was a massive learning curve. it is so unbelievably stressful and im still not fully well. all of the stresses remain as nothing had changed within the team on my return and my health has again deteriorated. Occ Health have recommended in writing that my place of work is toxic to my full recovery and i should leave. my p/trist is saying the same, as is my counsellor. they have all made clear that outside of that environment my health should improve enough for me to get another job doing the same type of work but with a different organisation! my question is this. is it possible for me to take civil action over and above tribunal action against my employer for the pysiatric injury they have caused me, in addition to which i had lost all my body hair. my head remains bald and i have to wear a wig, my eyebrow are going again, my arm and leg hair have gone, however my pubic hair did grow back a little. i am very grateful that my eyelashes have grown back - but for how long. i have been tested medically, the is no physical reason for the universal hair loss. constructive dismissal i am aware that the issue of constructive dismissal and discrimination can only be held in a Tribunal. but i would want to know how p/injury would work in a civil court, and could this take place more quickly than a Tribunal, and although not the right venue, will the issues of the discrimination, harrassment, bullying and victimisation come out at a civil hearing? i have an outstanding grievance appeal taking place by the end of March, it is likely to be negative, a little more detail first 'last straw' - manager held PPP (nearly 2 years since the previous one) tells me basically im c.... and that my colleagues have all complained about me, and gives examples of complaint. Fair enough. however all of this has come out of nowhere. manager provides no discussion or plan on how to resolve the situation between me and the rest of team, and goes off on 2 weeks holiday. naturally this has a devasting affect on my feeling toward the manager and the rest of the team, i have believed what he is saying. i make complaint to manager on his return and challenge all his accusation and complain that if the situation were true how is it he didnt try to help resolve the situation? i copy in HR. manager writes back taking no responsibility claiming i have misinterpreted and didnt say some of the things. my complaint was comprehensive and i gave back to him all the examples that he had used! a meeting was held. HR had lead me to believe that the meeting was a grievance as laid out in their policy, but it was a mediation meeting whereby the manager states again that i have mis interpreted and that in fact no one had complained about me - he failed to give any further information. he actually stated that i was made for the job. on hearing this however instead of making me feel better it devasted me further. i couldnt understand how he had done this to me in the first place. i had worked so hard and was so proud of the work. i went into freefall. from the time of the meeting with manager to what i thought was a grievance meeting was just over 2 months during which time there was a complete and utter breakdown between me and the rest of the team. i was signed off sick with work sky high blood pressure and related stress which i had desperately been trying to ward off. emloyer contact during sick leave during sick leave, the manager above my manager demanded to to see me, didnt advise that i could be accompanied and during the meeting told me basically that the best thing for me was to get my arse back on my chair and that in their experience involving the medical profession would mean that i would be off work longer! remember this talk at me is whilst i am unwell and vulnerable. end result even more freefall. during my sick leave there were a bombardment of letters from work, which stressed me out further than you can believe i felt hounded. i thought that it would be better to return to work even thougth my GP didnt think i was ready. i thought that it would be best to stop the hounding and make sure their were no more meetings with my managers manager. phased return meeting GP formally recommended this. unfortunately he did not specify a time. managers manager didnt want to follow GP's advice and tried to insist instead that if i felt tied i went home. luckily an HR officer was present and had to remind manager that it was normal in such circumstance and length of time away that a phased return take place. manager reluctantly agreed to 1 week! there was mention of a review, but no details of when the review would take place or who with. naturally 1 week was not enough. situation with team not resolved. i approach HR for help and am basically told to go away. i return to my GP who tries not to give the 'i told you so' and signs me off again. long term sick which brings me back to my return last year. Discrimination bullying and harrassment prior to the first last straw i had been suffering discrimination harrassment and bullying from another member of the team for a couple of year which i didnt handle very well. i absorbed it - but this just caused me to lose my body hair. i genuinely believe that this new member of staff would get used to me being there, also i had hoped that other members of the team would come to my defence when i was under attack from this 'colleague' - but no one did, some of them even joined in. this colleague was good at getting others to express their prejudices and the others knew better. i felt so isolated, ashamed and scared to say anything just in case they thought i was the one with the problem the one with the 'chip' so i said nothing. there was no one or manager that i had any trust or confidence in that i could take this matter to, so i suffered in silence, until the breakdown came. Employers investigate the complainant on making the complaint my employers carried out an investigation - a shock to me, a bigger shock was later learning that they had carried out an investigation on me too. thank God i was good at my job, good things were said about me. so they cant get me on that angle. grievance 1 outcome it transpired that others had complained also about my 'colleague' and my manager showed up themselves good and proper at the hearing. recommendations. words would be had with colleague and manager, but no grounds for discrimination - however.... appeal 'colleague' had actually admitted to what they thought would be a lesser complaint that they thought they could get away with, but this put employers in difficulty and they had to make a statement at the appeal confirming that at least one act of discrimination had taken place. it was agreed (and is on tape) that i was the brunt of this 'colleagues' abusive behaviour promotion of the main perp it was always the intention of my 'colleague' to get me out of the team and take over my Officer status and effect they way up from what they considered to be a lowly administrative position. they have now achieved this. even with the outcome of the grievance they still hold this position. what does this say? Victimisation (final 'last straw') managers manager has not taken too kindly to my complaint and raised awareness of what's going on in one of their departments and has targeted the 'trouble maker' me. a serious incident of victimisation has recently taken place. but i am covered by a 'protected act' and acted immediately. i put in a grievance about the harrassment and bullying by this particular manager. naturally management have stuck together. so i am just about to put in an appeal. Back to the start again this brings me round to where i started. based on the medical recommendation i think i will have to leave my job immediately i am notified of the appeal decision otherwise i will lose any rights i may have to claim constructive dismissal. i am not sure i want to claim this anyway as i would prefer the matter to go to civil court, where i can completely sue the a... off these people for what has happened to me over the past 18 months. my medical state the complete and utter indignity of having to constantly wear a wig and a cheap one at that as i dont have the money to buy a decent one. how further freakish i look without eyebrows. the constant eye infections because of no eyelashes, or where they were just coming loose and falling into my eye - the constant rubbing. im not so distressed about the rest of the body hair - no on sees any of it. im on medication up to my eyeballs. i have a diagnosed prolapsed disc and whilst of sick couldnt even put my knickers on or use the WC without putting a bucket on it first as i couldnt sit. thankfully my mobility is such that i can get around better, but i walk with a limp now, and still prefer to use the disable WC as they are a little higher. the constant pain in my back, shooting pains and numbness in my left leg is sometimes unbearable. also since being back at work apart from the deterioaration again of my mental state i have the additional indignity of repeated boils on my arse - what the hell is that about? i do hope that there is someone prepared and/or managed to read through this and provide advice or answer my query. Thanks

Hi, we are renting a coffee shop on a farm and booked the Rotary Club's marquee for an art exhibition. All artists must have their own insurance to take part. Can anyone tell me what insurances I will have to take out and with whom? I'm an insured artist myself, but in this case I'm running the venue as well and is the owner of the shop. As ussual I'm doing things back to front and the event is planned for the end of May - so I need some solid advice asap! Thanks! martiens bekker

Hope there is help here!! I received summons for failure to provide Driver information contrary to section s172 The Car is a Company car. However it can be seen from the proof they sent me that I did provide information that I was the Driver. When I rang the Police they explained that although I had provided the information that I was the Driver I had only done so in my capacity as a company representative. And I didn't as me personally in my private capacity!!! As perhaps you can understand I am somewhat confused as I clearly did provide the information. But I can also see that I didn't comply with their process. So faced with this I now need to get some advice as to whether I have or have not provided the information to the satisfaction of the law. Or am I just "guilty" of not jumping through the hoops? JPAP

Hi Everyone, I have recently been going about the motions of getting my credit files up to date with Equifax, Experian and CallCredit. I haven't really had any problems up until I tried to deal with CallCredit. A few years ago, when I turned 18, I went down the bad-credit spiral. I was approved for a loan I shouldn't really of had in the first place, I was given a cheque book with guarantee card, etc etc. I was pretty damn stupid back then. Now though, after some advice from a cag forum member (Whom I know in a personal capacity) I've managed to get most of these debts settled/wiped off. I got in touch with Experian first off. The information they had on there seemed to be mostly accurate, apart from incorrect financial linkings, and the fact that I apparently had a mortgage with my Mother. The joys of having the same name as my dad eh? - This was all rectified pretty quickly. Same deal with experian. This took a little bit more work as their website is absolutely atrocious to navigate, or was back then. So, my Equifax and Experian reports are now squeaky clean, apart from one little red mark due to a default 5 years ago which has since been settled. Now, CallCredit. I checked my file there and they still had my debts that had been settled years ago, being marked as default up until the month I checked the file! There was a load of other incorrect information on there too. In fact, it was the worst of the three. It feels like they are "The land that accuracy forgot". I wrote them a rather stern two page letter, and included copies of my credit files from Equifax and Experian so they could cross reference the entries and see that their information was inaccurate. I posted the letter off, and proceeded to give them their 28 days. Day 29: No response from CC, so called to chase it up. The guy on the phone took my details, confirmed receipt of the letter and said he'd email me back regarding the outcome. Day 32: Nothing received as yet. Called them back again, and the guy couldn't understand why I hadn't gotten a response and said "We do have a 28 day time limit by law to get this sorted out, and we're over that now, i'll escalate this issue" Day 50!!! (Yes, i double checked that was right) Still no response, now they're nearly twice over their 28 day limit and still i've had no response from them. Is there any action I can take against CallCredit? I just want my information fixed. I've got a great job now, I'm planning a finance for a new car, and me and my other half are looking at getting our first house. I've worked hard for years to clear my previous idiocy, and just want to have my record clean again. Thank you in advance, DesignerDave

Hi, Wondering if anyone can offer some advice, as me and my husband appear to be caught in a vicious loop with the job center. For 'wall of text crits you' purposes, I have uploaded a record (sensitive info removed) I've been keeping of the job center's action since 7th October 2010 - which you can view here scribd.com/doc/43314897/JSA-Online At the moment the only money we have had since 21st Oct 2010 is a crisis loan for £90 to live on. We live with 2 disabled pensioners, who, due to this 'hiccup' have been bleed-dry trying to support us during our financial crisis, on top of that, my husband is trying to start a business which is really digging it's heels financially. We have tried appealing against the sanction and haven't been given any information about the decision and generally, they seem to be messing us about. Any help would be appreciated. ~Dray

Hi Guys, I've been given a speeding ticket for apparently doing 40miles an hour in a 30. Without preaching, I drive very cautiously and the area in question is non-residential and simply shouldn't be a 30 in my eyes (I wasn't aware that it was). Anyway. I've logged on to "safespeedforlife" and have seen the photos of the offence. Both photos say "39mph" but all other text on that page and on my letter tells me I've been caught doing 40mph. As well as this, the photo is unclear and from behind and many of us use the car. Is it worth me contesting this? Is this something I can realistically expect to get out of? Many thanks for the time of anyone who replies, Andy

I posted on a thread a couple of days ago, and it struck me that the OP was most of all paralysed because he didn't KNOW that the DCA was in fact powerless, and the forum is so big now that it takes a lot of searching to find the gold so to speak. So.... I want to create a guide to DCAs, and make sure that when people Google any of those names, the thread is at the top of the search, so that first of all, they can be reassured. If they're not afraid, they can start thinking logically and then fight back, but first they need not to be scared anymore. So, I want to name them all, so I am going to post here the ones I can think of, please add to the list. Also if you see one on the list and there is no documentation, could you please post a copy of their template letters (washed of all info, but you knew that, right? ). Ultimately, I want someone to type "Lowells" in a search engine, and they will see their MO, a copy of their threatograms, etc... and so, once that thread is live and going, I'll be asking every one of you to help publicising it, but that's in the future, obviously. (I'm away all next week for starters, so I won't be able to start compiling until after that, but in the meantime, all info is welcome. PLEASE TRY NOT TO DUPLICATE THE INFO, SEE WHAT OTHERS HAVE POSTED FIRST!!!! Thanks, BW

Hi everyone, Have had loads of charges added to my loan account by HFC .Have not paid anything towards account for last 6 months so that they would take court action as I believe that a Judge would see that most of the charges have been wrongly applied. Now get a letter from their in house DCA (debt litigation and recovery services) stating Please note that the current amount to settle your acccount is £???? ,however we will waive £???.We have agreed to accept £??? at X amount in Dec, Jan and Feb in order to close your account. The Questions I have are that if I paid the amounts requested would that be the end of it or could HFC or a DCA come after the rest at a later date? and is the closing of the account only with DLRS or as they are acting on behalf of HFC it would close the account with HFC? For your info HFC have a enforceable CCA which contains within it a list of charges applicable for defaults and late payments that I signed. One other question ,if I accepted and paid amounts and HFC closed account would I still be able to complain to HFC, FSA and anyone else about the incorrect running of the account. sorry if post is too long. Sleepindog