jdwilliams/reliable collections help required

[pt110856]

Hi Everybody. in july 2010 my husband had problems with jdwilliams/reliable collections.

due to ill health reliable decided to cease all collections on his accounts.

 

today he received a letter from one of his creditors asking for the monthly payment and added a credit charge to the account.

can they do this.

help needed as to what to do next.

regards.

pt110856

[rebel11]

Hi pt

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

I've amended the title to reflect the issue.

[pt110856]

thanks rebel. pt

[dx100uk]

firstly check the debt that is being chased shows on his CRAflie

 

dx

[pt110856]

hi dx,

in there letter they did say that it will show on his cra file,

to show others how he has conducted this account.

 

my husband has mental health problems, and reliable and the jdwilliams group are aware of this,

when it all started there (in-House) solicitor made an agreement that they would deal with me,

and that they would send the letters in my name so as to not put my husband under anymore stress.

 

the letter they have sent was in my husbands name, and he opened it,

suffice to say that he is really upset today.

 

he feels he is going backwards instead of forward.

 

should i send them a copy of the letter in which it states that they will cease colllection.

 

regards pt.

[dx100uk]

check it DOES SHOW

 

dx

[pt110856]

hi dx, i have tried the big three cra,s but as i donthave a credit/bank card i cannot get on these sites. any sugeestions, regards. pt

[silverfox1961]

Hi Everybody. in july 2010 my husband had problems with jdwilliams/reliable collections. due to ill health reliable decided to cease all collections on his accounts. today he received a letter from one of his creditors asking for the monthly payment and added a credit charge to the account. can they do this.

help needed as to what to do next.

regards. pt110856

 

Did they say they will cease all collections in writing.?

Did the solicitors say they will deal with you in writing?

 

either way, a formal complaint to JD (not reliable- same company anyway) is in order as they are now harassing a KNOWN vulnerable person

[pt110856]

hi silverfox.

i have a letter off a Glenn Taylor, ( Reliable Collections. Account Management Team.)

Saying That They Will Cease Action On The Account.

 

I Have A Letter Off S.Beat ( JD Williams Solicitor.)

Stating That They Will Deal With Me Instead Of My Husband.

i will get a letter off to them as soon as other half gets settled.

 

thanks. regards. pt

[dx100uk]

hi dx, i have tried the big three cra,s but as i donthave a credit/bank card i cannot get on these sites. any sugeestions, regards. pt

 

can you not use the £2 PO version?

 

dx

[silverfox1961]

hi dx, i have tried the big three cra,s but as i donthave a credit/bank card i cannot get on these sites. any sugeestions, regards. pt

 

there is also a free one out there-Noddle. The testing phase is finished now so they should be accepting new customers.

I have stored the three paper application forms as they don't make them too easy to find

[pt110856]

hi dx & silverfox.

sorry for the delay in replying.

i have registered at noddle as i need to get info asap.

i am not computer savvi, as husband usually deals with things, but since becoming ill, i am trying to get things sorted.

will let you all know what happens when i get a reply from these people. god bless. pt.

[pt110856]

hi everybody.

i have today recieved another demand off one of my husbands creditors,(jd williams.)

last week i sent jd williams a letter informing them that collection on these accounts had ceased.

 

i told them that the company solicitor had agreed to speak/ correspond with me as my husband suffers from various mental and physical illnesses. my husbands name was on the envolope.

 

dont know what to do now. help please. thanks p.t

[silverfox1961]

I think it is time for you to contact Trading Standards.

 

It may be that one department is not contacting another but that is no excuse for the feelings this sort of action can create

[pt110856]

thank you silverfox. i will sort a letter to trading standards, i think i would have to ask them if they

can do a home visit, i can only ask, my husband is virtually housebound, will keep you informed, regards; pt

[silverfox1961]

You can go through to Trading Standards via consumerdirect

 

http://www.direct.gov.uk/en/Governmentcitizensandrights/Consumerrights/index.htm

[dx100uk]

also someone the other day had issues with getting their cra file

 

they went into their bank

paid £2 and they gave it too them

 

dx

[pt110856]

hi silverfox & dx. thankyou for the information, i will act on it, and keep you informed. regards; pt

[pt110856]

hi silverfox & dx.

sf i had a look at noddle while my son looked through his dads paperwork and come up with a visa card amongst all the junk, it was still in date,

i have downloaded his credit report, all his accounts with the jd williams group are showing UC

under each month And Up To Date.

do you know what this means. regards pt

[dx100uk]

there should be a key to what that means on the paperwork or the site.

 

dx

[silverfox1961]

I hope this is right. I think Noddle use CallCredits reporting codes and as such UC stands for:

Unclassified or recently opened account payment delay.

 

What that actually means, I have no idea!

[pt110856]

hi silverfox & dx. i emailed noddle yesterday, and received an answer this morning about UC.

UC means the accounts are unclassified. i dont know what that means. my son has suggested that

it may be sold of to another dca. so dont know what to do. any help. regards; pt

[silverfox1961]

It may be that the account is getting ready to be sold but it's a case of wait and see.

[dx100uk]

ithought that but was not sure

 

how many months is it showing?

 

that noemally means the OC has not reported anything or does not want to report on its status.

 

v good ind there is something wrong with the balance

and they dont want rapping on the knuckle for reporting false info

to the cra's.

 

 

i would move this forward no

 

there are obv going to be huge penalty charges

late/letter/debt collection/debt management/phone/

 

i'd sar them and lets get our ducks inline

 

dx

 

dx

[pt110856]

hi silverfox, & dx.

i am dealing with four accounts, (all jd williams group.) they all became unclassified in november 2009.

 

i have also found that one account, (jacamo.) is on my report as Melgold Ltd. ( The Country Garden.)

i find this strange.

i have not been notified of any change.

any ideas.

regards. pt.