Jacamo

[dx100uk]

you cant reclaim interest

 

dx

[yasminora]

on the statements it calls the large payments credit charges. not sure where that fits. its not late charges.

[ericsbrother]

No such thing legally.

[yasminora]

ok ty Just waiting to see if they respond now

[yasminora]

They're just ignoring me. Got another statement today with yet more charges. Its growing so fast i'm going to owe double what i initially owed. Heres a list of charges from last 3 months

1st April Administration charge £12

1st April Administration charge £12

1st April Service Charge (Follow 8 2.843% £41.85)

4th March Service Charge (Follow 7 2.843% £40.14)

4th March Administration Charge £12

4th February ( FOLLOW 6 2.843% £39.89)

4th February Administration charge £12

4th February Administration charge £12

7th Jan Service Charge (Follow 7 2.843% £49.50)

 

Apart from the big credit or service charges they are charging administrating charge of £12 twice on the same day each month. It says the 12 is month admin so why are they taking it twice each time. I can't keep up with this and am stuck as can't get admin order to get the charges stopped without having a ccj and they say they aren't taking me to court and will simply get debt company to come to my house. I think they won't do that until they are satisfied they've added enough money on to teach me a lesson.

Edited April 2, 2013 by yasminora

[dx100uk]

admin fees

go get em back.

 

anything £12

 

they are late and over limit charges

 

fill out the foscisheet from here.

 

put their APR in cell D15

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

[yasminora]

thank you

[yasminora]

They must have found my landline because they have just rung.

 

I have never given them my landline.

 

She was ok and even came down to £15 a month but said they couldn't stop the charges etc of nearly £60 a month.

 

I said there was no point as the £15 was just going to pay part monthly charges

and that in that case I was going to pay £1 a month.

 

They're not backing down and I don't think they will.

 

I think they'll continue to charge credit and administration charges until the debt is doubled.

 

Having a little girly cry now Fed up.

[dx100uk]

which is why you must never ever discuss your debts on the phone

 

the fca/fos/TS clearly state in all their guidance that a company MUST help a debtor.

 

you should be following and sticking strictly to the advice in post 5

 

end off!

 

dx

[BRIGADIER2JCS]

This is sheer bloody mindedness why cant't they stop the charges as dx said all the ''guidance'' says they should.

[yasminora]

which is why you must never ever discuss your debts on the phone

 

the fca/fos/TS clearly state in all their guidance that a company MUST help a debtor.

 

you should be following and sticking strictly to the advice in post 5

 

end off!

 

dx

 

You're right. They caught me unawares. I won't speak to them on the phone again.

[yasminora]

I think they know that they can get hundreds on top if they carry on with charges. thanks for the responses

[yasminora]

Another letter received today from their inhouse debt collectors.

 

OUTSTANDING DEBT: £1545.35 TAKE NOTICE NOW DUE: £350 Our Client: Jacamo

 

We have been instructed by our client Jacamo to consider passing our account to a nationwide doorstep debt collection company who may visit you at your address to collect the above debt. You have made this action necessary as you have failed to contact Jacamo or us to make payment or offer any proposals to do so. (I'm astonished at this as i have sent numerous emails and letters and spoken once on the phone when they called me so saying i have made no offers is a lie.)

 

You have 7 days to make your payment or to offer a repayment plan. We are prepared to accept instalments that suit your circumstances but you need tomake contact with us urgently to agree such proposals.

 

Should you wish to avoid the above course of action it is important that you call us now on ***** to speak to one of our account managers and make a payment.

 

 

 

 

I'm shocked that they are saying i've made no contact. Also when passed to national debt collects will that stop all charges? I want it to go to County Court. Does anyone know why a lot of debts are no longer passed for CCJ's. I'm worried they can send in Bailiffs without me being able to explain my position and offer payments to a court. This would also allow me to take out an administration order. As you have to have at least one ccj before you can.

 

Any advice appreciated.

[BRIGADIER2JCS]

No passing it to a doorstep collector will not stop the charges.

The possibility of ''bailiffs'' being instructed is a long way off.

Firstly they creditor/DCA must issue a claim in the County Court,

you then can enter a defence to their claim, you would have to

loose the case, and a judge would make an order as to how the debt

is to be paid, only if you fail to comply with the judgement can the creditor

apply to the court for a warrant of execution if that is granted then creditor

has a number of courses open to them to collect the debt one is instructing

a bailiff to levy on your goods another is asking the court to make an attachment

earnings order.

[yasminora]

Jacamo did say at one point that they never take people to court. I find that more worrying. At least a court would stop the charges and would accept the 10 a month from me. Can they get a bailiff without taking it to county court?

 

Thanks

[ims21]

They cannot get a bailiff without going to court first and winning.

 

What have you done about the SAR and the reclaiming of the charges?

 

Anything at all?

[yasminora]

Hi,

 

SAR sent off to Jacamo customer service address but nothing yet in response. Form for reclaiming charges filled in but not sent off yet.

[ims21]

When did you send the SAR....has the 40 days expired yet?

 

The form for reclaiming charges...do you mean the spreadsheet?

[yasminora]

no hasn't been anywhere near 40 days yet. sorry, yes i mean the spreadsheet

[yasminora]

Got email today:

 

In order for me to consider you request to reduce the repayments to £10.00

on a interest free payment arrangement on you account, I would ask that you

forward the supporting documentation to confirm your circumstances.

 

I have placed your account on hold for 28 days awaiting this and on receipt

I will be able to assess your circumstances.

 

This is the first time they have mentioned the possibility of stopping charges and accepting my offer. I will send them evidence of my DLA and ESA and see what happens. If they do this for me its only thanks to people here. Without you I would have folded right away.

[yasminora]

I've received a letter today with forms attached.

 

I am on highest care dla because i have a severe anxiety disorder and other problems.

 

I had mentioned this in a letter simply to let them know I was on DLA.

 

I have received what i think is such an intrusive form that i have found it very upsetting.

 

It is all about what they are calling my 'mental health conditions'.

 

They want to know in the form all details of my health problems.

 

Doctors letters, what i have,

what it means in regards to managing money etc.

 

They want reports from other medical people.

 

I won't do it.

 

Its nothing to do with them or the reason i'm in debt.

 

I'm really upset and fed up with the whole thing.

[dx100uk]

yep quite correct.

 

dx

[dx100uk]

as advise in post 5

 

follow that to the strict directions.

 

they have NO legal right to that info

 

it is a cat debt, VERY low priority.

 

only a JUDGE can demand that info.

 

dx

[BRIGADIER2JCS]

I agree with dx send the letters posts 5#&6# reI would though suggest sending a redacted cop of the letter regarding the DLA award, and state that personal sensitive medical reports are NOT for the eyes of unqualified untrained call ''customer service'' clerks.

[yasminora]

thanks guys am really sorry to be dragging this all on. They also want to know details of all other debts and for me to give details of exact amount of benefits etc. I'll just carry on down the route you've advised.

 

Thanks again