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this is about a Vehicle that needs around 3,500 - 4000 Costs in Repairs or a Full refund. its been over 2 Weeks since I sent the required Extra Information to Claims Team that they asked for . Today I received this email. "I have checked with management and your file is still under review and hope to have a decision to you by next week. Should you have any further queries, please do not hesitate to Is contact us." I Received this email about 6 Days ago "I am sorry to learn of the difficulties that you are experiencing with this merchant. Section 75 of the Consumer Credit Act 1974 covers purchases made using the card costing between £100 and £30,000, where a misrepresentation or breach of contract has been proven. Please be assured that a complete review of your claim is in progress and I will update you as soon as possible. " I was told on the Phone 7 - 10 Days it has been over that. Really not happy about the amount of time they are taking. Is there anything further I should do at this stage ? Its causing a lot of issues in the House and costing us money. I am planning on going Small Claims Route if I need to. as I am pretty sure it is clear cut case It has been just over 4 weeks since Lloyds where made aware of the Issue. . -
I recived a pretty unpleasant visit from Mr Sxxx on Saturday saying he was here to take control of my goods! Id been away for a few days and he'd already left me a letter saying he'd been so I was expecting him. Sure enough at 7am someones banging on the front door I figured it would be him. I opened the bedroom window and spoke to him from there. At one point he made out he could break in I called the police and got them to attend, he then insisted that wasnt the case. This all started on the 4th of April, I received a letter which was a notice of enforcement saying I hadn't paid for 2 outstanding parking tickets that were issued last year. I immediately rang the council that had issued them and explained that I was unaware of one of the fines and the other one I had paid for the parking I sent the ticket back to them with the paid reciept and thought that was the end of that . They advised me that I would need to file an out of time witness statement which they emailed me. I completed the form and sent it straight off. On the 26th of April I recived a letter from HMCTS saying my application had been refused, they dont have to give me any explanation and if I want to appeal it will cost me £255! Fantastic! I emailed Marsrons on the 27th of April with my complete finacial circumstances and offered to start repaying the fines (the origanal fine was £82 each although one had somehow now come to £112) Marstons had by now added £75 compliance stage fee to each fine i had one fine of £187 and one at £157. I heard nothing from them until the bailiff turned up this Saturday (21/5/16, three weeks later). I explained to him that I had tried contacting Marstons to resolve the matter and had made an offer but he said he hadnt been made aware of this I rang Marstons myself, they also say they had no record even though they did admit at one point that they could see an automated response had gone out to my email address. I also showed the email to the bailiff through the window. Their argument now was that on the back of the Notice of Enforcement it says a payment plan must be set up by the 18/4/16 and because it hadnt it had now gone to enforecment stage which meant another fee off £235 had been added, im not sure if thats to both fines or just an overall fee. I had a right going on with Marstons on the phone, the guy I spoke with was hopeless and knew nothing, he just said I had to deal ewith Mr .......now. Eventually I got put through to a supervisor who said all I could do was file a complaint. Ive spoken to National Debt helpline today and their advice is to just start making my payment offer to them through the website but they say I cant get out of the fee's. Im just wondering if anyone has any other thoughts or informaion on this as it seems highly unjust to me! Dont think I have much more to loose, as far as Im aware they cant add anymore fee's unless they get in to my house which isnt going to happen. I have no vehicles or possessions to speak of and am on a low income. Any advice happily received. Thanks -
Hi All So I have had some success claiming back Payday loan charges and getting things written off for irresponsible lending.. Can the same be applied to JD Williams? Currently on my credit file, I have SIX accounts in default with them, totalling around £6000. These were all taken out in the same two years, all when I had multiple defaults/loans on my credit file and they just kept increasing my limits without end. In the end I was buying stuff there to sell to pay my payday loans.. They never asked for my income, bank statements or anything like that.. But kept giving me new accounts when I applied with the same details.. and increasing my current ones.. Any advice?
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Please can someone explain the purpose of group interviews with more than one candidate - does this mean they're looking for more than one person?
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I have looked round for such a Site many times when looking over there for problems similar to we have in the UK.And maybe join such a group to chat to some of our American friends. Never seen it before,or missed it when looking, and the link does not work anyway. A test bed,it says. Now i am sure a wise one ,as i am not tech minded can tell me how long this was going,or perhaps going to happen perhaps. Just copied this to show you how i was baffled,it does not take much to achieve. This is what i am on about. Consumer Action Group - Americans Unite to Reclaim the Right Free help to assert consumer rights. ... Welcome to the Consumer Action Group of America · The Bear Garden · This forum - Questions and Answers. General ... And there was much more,huge in fact. Would sure need one hell of a Site Team . http://testbed.consumeractiongroup.com/archive/index.php -
The ABLE GROUP provide property maintenance services, ie glaziers, locksmiths, plumbers, electricians, drainage, gas, heating, pest control, etc. Please note however: If you need any such services, I suggest you look elsewhere. I have had the most horrendous experience with them and I hope my post helps others avoid going through the same horror story. Booked them to clear my house external drains, was quoted £114 to have them 4 drains unblocked. On the 7th of April, their Eng. came out, informed that the drains were now in good working order. My other half took his word for it and why not... They are supposed to be the specialists. After weeks of rain, I took time during last sunny weekend to clear the garden in prep. for the Summer and noticed that two drains had not been touched at all and were still blocked. Called their Customer Service, a few days ago, no reply. Called today and they refuse point blank to rectify the issue unless I pay again £114.00. What an outrage this company is really. I am absolutely furious with this disgusting bunch of dodgy people, taking the mickey. My advice to anyone is very simple: Learn from my experience and definitely engage an alternative company. -
Hi I have just joined this site,I had worked for Mackenzie Hall and after that PRA Group once they purchased Mackenzie Hall,I no longer work for them,the reason I have joined this site (and others) is if I can help anybody in anyway with advice etc I'm only to happy to help or give advice,if I know the answer to the question! I understand it may be strange an ex employee posting on this site but I have personal reasons as to why. Regards Mashigana
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Hello, I'm currently a student from abroad looking for some help here. 2 months ago, I decide to sign up at Trilogy under Student membership (£19.95/month + £20.00 membership fee). However, realising that I got difficulties to get to the gym (No driving license + Bus is only option) and my research/study schedule was quite full at that time, I canceled that registration within 14 days as they said it would be free. I went the bank, asked them to cancel my Direct Debit assumed that would be the end. After 2 months without any letter/information, today I've got a letter from Harlands said that I need to pay them £89.95 and I am required to contact them at 01444 449166 for further information. I called immediately, but no response; few more times and still zero. I have read few topics about Harlands case, I realize that most of you would advise me to ignore Harlands. However, Im still worry about if I have any legal obligation of if Harlands could take me into the courts or something like that. It would heavily affect my study at the moment. Best regards, Steve
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We have seen the emergence of a DCA called PRA Group - Portfolio Recovery Associates, in the USA, they are one of the largest debt purchasing companies. The USA are not tolerating this company and the articles below show how the Regulators and Courts are dealing with them. Pity the FCA in the UK are not taking note ? and...
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CAG Flyer A4 CAG Flyer A4.pdf CAG Flyer A5 CAG Flyer A5.pdf
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Not sure where to start with this one. After a period of terrible financial decisions (or more aptly completely ignoring financial issues) after the breakdown of my marriage, I am now trying to tackle my financial situation head on and trying to fix my credit record. I have 3 defaults showing on my account, all to Lowell Group. One is for a debt of £1900 for JD Williams catalogue in 2008. I opened and account and my ex-husband bought a ton of stuff on my account, and like many of his debts to me, didn’t pay it. I had contacted JD Williams back in 2008/9 to explain and try and arrange a repayment plan, however they were unhelpful and it was passed to various DCA’s who I have ignored for years (not wise I know) and it’s been sat with Lowell for some years. From time to time they send fishing letters to my current address in my previous name, telling me how understanding they are and asking me to pay a reduced rate. I have so far ignored these too. They recorded a default on my credit record in Jan 2012 (not sure why so long later). The other 2 are for a mobile phone with Orange, where I cancelled my contract but they disputed I was out of the repayment term and charged me a whacking great amount. I went back and forth for a while then gave up and avoided the DCA letters ever since (2009). The last was for a credit card with Capital One, which I defaulted on – all my own stupid fault. I know I can’t ignore them forever as I really want these defaults off my accounts and to be in a position to apply for a mortgage in 3/4 years. Please can you give me some advice on how best to approach Lowell. I’m aware I’ll have to pay the money back, but do you think there is a way to come to a settlement with them where they’d remove the defaults if I can arrange to pay? Or is there any way to question if the defaults have been added correctly? Thanks in advance!
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Hi I have a letter from Moorcroft Group PLC saying they are attempting to contact me (my name and address are on the letter) regarding a personal matter and my address has been provided as a possible address for their customer. It advises me to call them if it is me but also to call them if it isn't so they can update their records. There is a reference on the letter which means nothing to me and I am almost 100% certain I do not owe money to anyone that is not currently being paid. Is there any way I can find out what this is about without calling them as I am very reluctant to do so after reading various forum threads. Any advice on what to do would be helpful. Thanks Just been digging a little more after reading other posts on here. Checked my credit report on Clearscore and this apparently relates to an old BT account from my previous address 4 years ago which I had no idea was there or in arrears and no reason to think it existed. Missed payments from February 2012 but the total owed is relatively low. Seriously annoyed this has been affecting my credit rating. Is there a way I can sort this out with BT without talking to Moorcroft as I really don't want to give them any details.
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Hi Guys, I am slightly confused as to what to do. I will explain the situation below and then explain the confusion. Any help/advice would be more than appreciated. I received a phone call yesterday on my mobile phone from a lady called AMY from the "PRA Group". She claims that I have a "G.E.Capital bank store credit card" debt of £310.91. I am not aware of this debt and told her as such. She told me that I apparently took this agreement out in 2002 and that they had owned the debt (as mckenzie hall) since 2007. She told me that after the name change/merge all files were being revisited. I advised this was the first I had heard about it and took the relevant details and told her I would be writing/emailing them shortly. I have looked through my records and I definitely have no records relating to this. I have even gone onto my credit report and nothing there shows any reference to a g.e.capital account, mckenzie hall account or a PRA Group account. As far as I am aware I have never had such a debt nor never even been contacted about such a debt. I was going to send them a prove it letter, however, this is where the confusion lies, after reading some posts on here it seems to suggest it is also statute barred (if it exists at all). What is the best way to proceed? Should I send a prove it letter? A Statute barred letter? or a combination of both? Any help would be greatly appreciated. Kind Regards
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Hi all. This is the first time I have posted here but am now at my wits end with LINK /IDR Finance. After a number of months struggling to deal with my credit card debts I decided to go on a debt management plan through CCCS ( now step change). LINK /IDR had accepted the amount that was aggreed ie a monthly payment of 43 pounds for a debt of £3,415.14. They didn't receive money because of mis-communication between cccs and link/idr. I wasn't aware of the problem until I recieved a letter saying that I have incurred a Litigation Charge of £102. I received a ccj claim form a day after. On speaking to cccs and link it turns out that because there was a discrepancy between them about the account number the payments were not recieved and after a couple of months of non payment they have now gone down the ccj route. I accept now that I will have to go through the ccj process(which I am gutted about . I began the debt management plan to avoid this in the first place!) but I am wondering would there be any point in trying to go down the route of a cca? Or is it too late for that? Any advice or help would be very much welcomed. Just to add briefly. I spoke to MBNA about the account they said that the account was sent to LINK/IDR for collection. I cannot remember if it had merely been transferred or sold to them. Seeing as the service dept department is closed weekends I will have to wait till Monday to pursue that.
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Sorry I didn't do this yesterday, I assumed others would have remembered, then again, how many of the old guard are left? Well, as one of the olden golden 'uns, I want to wish to CAG a very happy, well done 10th birthday wish! Yes, dear readers, 10 years ago (and one day!), a very small with a small band of misfits and reprobates decided to take on the might of the banking industry, and it was called the Bank Action Group. A couple of months later, the idea came about that maybe, we could do more than just tackle the banks and that there were so many more injustices where the might of the people could challenge the status quo whereby the customer always ended up being wrong... and so the name was changed to Consumer Action Group. Well, 10 years on, here we are, still going, despite numerous efforts to bring the site down in many different ways. Even though I am no longer active on the boards, I will forever be very proud to have been part of the fight, to have helped taking the banks and other industries to task, and so, I hope you will all join me to wish CAG a very happy 10th birthday, and here's to the next 10! -
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The following press article features on SCOOP this morning: http://www.ccrmagazine.com/index.php?option=com_content&task=view&id=14497&Itemid=33 High Court Enforcement Group (HCE Group), the largest independent and privately owned high court enforcement company in England and Wales, is proud to announce the acquisition of The Sheriffs Office, with effect from 31st January 2016. Following the acquisition, both businesses will continue to operate as separate legal entities. The combined experience and expertise in both High Court and specialist areas of enforcement within both companies, will prove a valuable and unique resource for all existing and new clients. The two firms will be building on their combined strengths in a number of areas, including client service delivery, compliance and governance, specialist enforcement services, IT infrastructure and geographical coverage by field-based enforcement agents. As a whole, this will see the Group, including their judicial services firm Excel Civil Enforcement, become the largest High Court enforcement company. Martin Leyshon, Group Director of High Court Enforcement Group and Chairman of the High Court Enforcement Officers Association commented: “The acquisition of The Sheriffs Office is a very exciting move for HCE Group. The businesses naturally complement each other and together will give clients a huge amount of choice in terms of services in the enforcement market. 2016 is going to be an exciting year for us, where we will be building on an already solid platform. It’s a great fit." Commenting on the announcement, David Carter, Chief Executive at The Sheriffs Office, said: “The Sheriffs Office is hugely excited to form part of the largest High Court enforcement company in the UK. The breadth of experience and infrastructure this acquisition brings will allow us to provide our clients with unparalleled levels of service and support right across the enforcement spectrum. 2015 was an excellent year for the Sheriffs Office, where we launched a number of specialist services and entered new markets, all leading to growth in all sectors of our business.” -
I have been following this forum for a while and sent the co-op a section 77-78 request for my credit agreement. This is what they have returned. Is this enforceable? If not, what should my reply be? Sorry, I thought that I could place an attachment but cannot. Does anyone know a site I can upload documents to for viewing?
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Hi all, I think I'm in quite a bit of hot water with this attack from PRA Group I've following the advice from other contributors in here & been through all the necessary communication with this DCA's solicitors & although very late in the day they have provided all that the court ordered them to evidence proof of debt, correct legal assignment etc. I was wondering if anybody would be willing to cast an eye over the evidence provided & comment on whether it is all in order or if there is perhaps any legal grounds to which I can defend myself in this claim based on any paperwork/contractual errors. The PDF links to the evidence provided by the claimant are attached. Any help would be greatly appreciated. Thanks, Mark -
Good afternoon, a few months ago i received a letter from a company called Marston Group enforcing a High Court Writ on behalf of Eon Energy. The total is 1144.00. Since August this year i have paid 150 pounds per month to clear the balance which we both agreed this month the direct debit did not go through (still need to speak too my bank however sick of sitting on hold today). There was sufficient cash in my bank as far as i'm aware and still is now. Today i called Marston as i received a letter from a Mr Hates (their door step agent) stating they had enforced a stage 2 fee 594 pounds!!!! I tried too explain that there seems to be an issue with my bank and im actually calling to pay the 150. Too which they said oh great however you will still owe 1000 odd pounds. I asked politely if they could reverse the charge as im only a week late and its not like im saying i can't pay. Surprise surprise they said no. After discussing with the guy for a couple more minutes trying too explain my situation the fact that im finally getting my head above water he turned around and said we don't care how do you think we make a profit? I then asked too speak too a manager who couldnt help. I am going too call again shortly as i was too wound up by the end of the call i just hung up. IF i pay the 150 shortly i should have paid this month and next week too clear the balance i feel i owe i.e. minus the 594 charges for stage 2 too the court instead of Marston and get a reciept from the court showing that the balance is in fact paid (i'm not even sure this is possible). Could Marston still enforce this stage 2?? i am due a sizeable bonus at LAST next week however i do not feel i should part with 594 pounds. I just feel this is comepletely unfair and they are preying on the vulnerable. They tried to say they called and sent me a text yesterday i have not recd a missed call nor an sms as i would have reacted like i did when i saw the letter today. There was no mention of them adding stage 2 apart from according to them when they first sent me the original letter. (Need to dig it out). Should they have sent another letter before sending the guy today and enforicing this stage 2 fee? Sorry for such a long original post but as you can imagine im livid. Any help/ advice welcome. Thanks! -
Hi all, I rec'vd a text this morning stating - "Please contact PRA GROUP quoting ref #xxxxxxxx or visit pragroup.uk.com to make a payment. SMS msg opt out text STOP to 60070............... now whilst I do have some defaulted debts I can possibly tell which one this relates to, if I email them quoting the ref no. they gave asking what this is about will i re-open the debt and extend the timeline?
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Hi Everyone, In 2012 I got a payday loan which snowballed into another until finally I could not afford to payback the amounts. The first loan was from Wonga (£430 still owed at point of default) and the second from QuickQuid (£220 still owed at point of default) . I received an email in August from Wonga and Red Castle DCA to say my debt had been cleared due to new FCA rules about affordability and all records would be removed from my credit report. I have checked all 3 credit reports, there is no information from QuickQuid or Red Castle on any of them and Wonga shows as £0 owed, but there is a default registered by a 'PRA UK', there is not much information about it, just say's there is £70 owed for a payday loan, it was defaulted in March 2013, and last updated in mid 2014. Does anyone know if QuickQuid are using this DCA? It's an odd amount since neither debt was for £70 and it is a different DCA than Wonga mentioned meaning it might be for QuickQuid. If it was for the Wonga loan which has been written off can I get this removed and if it is for QuickQuid I wonder why only £70 and how should I go about settling it and could I get it removed? I have no other debt other than my overdraft, so the £70 default can't be for anything other than the 2 payday loans. If I contact them what should I ask them for to prove the debt is correct/genuine, I don't have a £70 debt for a payday loan, one cleared and one for £220, and it does not say who it is from originally. Also I read somewhere the clock resets to 6 years the first time you contact Debt Collectors. I have been in contact with Wonga and QuickQuid about the debts before but not debt collectors, so worried about impacting my credit score for longer by calling them directly now, and if it was possible to go via QuickQuid/Wonga? Any help appreciated and happy to be joining the forums. -
I have had an ongoing claim with Jet2 for compensation following a fight delay in Feb 2011. There are six family members in the group, my wife and I, and four children under 16. I am the lead passenger and paid for the flights and the booking was made using my Jet2 account. It was a technical fault and they have been using the “unexpected circumstances” excuse since 2011, and most recently said they were waiting the outcome of their appeal to the Supreme Court which they said would affect the outcome of my claim. When the Supreme Court refused permission for them to appeal, I wrote again asking for the full amount plus interest. They have now asked me to submit a separate claim for each individual or they won’t consider them. This is the first time since I first claimed in 2011 that they have made such a request. After my initial claim, they made a partial pay-out for our allocated seats booking-fee, all on the same claim. So they have the all the passenger details and they have even partially paid out on the claim. I am inclined just to go straight to the County Court now because they are obviously just time-wasting. In my most recent letter, I said that if they did not inform me within 14 days of how and when they are going to compensate me, I would pursue the matter in the court. Am I now justified in taking them to court? Is it reasonable of me to expect a reply in two weeks after an almost four year on-going case ? Their normal reply time is six to eight weeks. If I don’t submit the claims again individually, would they be able to use that as reason for not paying if I go to County Court? Many Thanks -
Hi, I have really screwed up.. Did not take this very serious. Received a claim from PRA group, so put in a defence within 14 days than within 28 days. Than received a DQ file and just waited to hear back from the courts but did not hear anything until yesterday with a issue of notice of warrant of control by post. So logged online and saw the claim stats (see below) Is there anything I can do? can I still defence ccj? claim stats below A claim was issued against you on 06/07/2015 Your acknowledgment of service was submitted on 20/07/2015 at 09:12:06 Your acknowledgment of service was received on 20/07/2015 at 12:00:39 Your defence was submitted on 05/08/2015 at 12:30:02 Your defence was received on 05/08/2015 at 14:00:49 DQ filed by claimant on 14/09/2015 General sanctions order was made on 17/09/2015 Your defence was rejected on 07/10/2015 Defence was struck out on 07/10/2015 A judgment was issued against you on 19/10/2015 A warrant ????? was issued against you on 06/11/2015 at 19:24:08 Would really appreciate any help... Thanks Neil -
Yesterday I began receiving phone calls from a 0203 number, which turns out to be PRA Group Debt Collectors (Aktiv Kapitol). They are now bombarding me with calls (even the number is on auto reject) and automated voice mails requesting I call them. I used to have dealings with Aktiv over an old HSBC debt which passed in statute bared status over a year ago (if not longer). I won't answer these calls and will only deal with them in writing (if I have to contact them at all) but other than that what can I do? I am unable to pay off the debt (and it is unlikely I ever will be able to) and to be honest I thought I had put the days of being chased by DCA's behind me. Also, why start bothering me now when I have had no contact with Aktiv for years (save for an account statement last year)? The debt is no longer on any credit file (I check all of them religiously) although I am worried they will try to [problem] me in some way. Any advice? Thanks in advance.
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Hi, The other year I was continuously 'locked out' of my Argos/ Home Retail Group account. Unfortunately I had to have emergency spinal neurosurgery so had other more important things on my mind. During my recovery I wrote to them several times explaining the scenario...I was on sick pay with a protracted recovery time. Home Retail Group initially ignored me, sent me demands, lost 3 income/outgoings finance forms. Then attempted to charge me a whole years interest for a card that due to being locked out I was unable to access. So, to cut a long story short, the FOS found in my favour, made them refund the interest, and left us to arrange a reasonable payment. Fair enough from my perspective. However...that was last December. I'm back in work, but in a reduced capacity.....worse off financially. I have now written 4 times offering a very reasonable payment. All I get in response is 'please contact us by writing to make a re-payment offer'. Erm I have 4 times. SO that is the never ending saga. However....having spinal cord damage, and hence mobility issues I rely on my car for everything, including getting to work. I need new tyres. So I tried to pay monthly via a tyre company. I figured taking the hit of the interest over a year was preferable to shelling out all in one go. I was turned down. Now despite a few wrangles with unscrupulous companies (usually due to them messing things up) I've always had a very good credit rating. Always good when checked via experian etc. I have never ever had any issues with obtaining credit. Checking my credit file for the first time since before my big operation, I find out I have a poor credit score wholly due to Home Retail Group issuing endless defaults. They issued defaults when I couldn't access my account(FOS ruled in my favour) and also for every month since last December when I have been asking them to sort the payment out and send a direct debit form. I've written today asking them to redact these alleged defaults. However...knowing Home Retail Group the letter will be ignored or they'll pretend it didn't arrive.....as with seven previous written communications sent to them. What I could do with is the email address of Home Retail Groups head of complaints. Anyone have this? Any other ideas? I'm now looking at driving to work in the North with almost bald tyres due to Home Retail Group sabotaging my credit rating. I can't walk very far, so if I get stuck in the snow I'm stuffed.
