Jacamo

[renegadeimp]

Jacamo are well out of order with that reply. When you SAR them, they have to send you EVERYTHING they hold on you. Not stuff they think they have to.

 

Stop worrying about this debt. Even if they take it to court and you defend, a judge would see right through it, and probably knock it right the way down. remember, all these charges are completely unenforceable and can be reclaimed at the interest rate they charged you.

[dx100uk]

yes get that sar off

 

to be honest you ideally should not be using the phone as advised

 

dx

[yasminora]

I won't speak to them again on the phone and will send off for the SAR and post back what it says as soon as it comes. Thank you again for the help.

[yasminora]

Haven't got back the SAR yet but

 

did receive the following credit agreement today which i have attached and have never seen before.

 

I've blocked out my name and account at the top but that is actually written in pen by someone at Jacamo.

 

As you can see there is no signature by me at the bottom.

Problem is there is a letter attached that says

 

"Further to your recent letter the current outstanding balance on this accountis is £1801.14, the terms of repayment are £54 every 28 days.

 

Interest charges are currently being charged at 2.84 pence in the pound (39.9% variable every 28 days).

 

We have not issued any default notices or obtained any court orders in relation to this account.

 

Please find enclosed a 'True Copy' of your credit agreement setting out the Terms and conditions to which you agreed when the account was opened,

along with the current terms and conditions.

 

We cannot hold this account or stop charges being added until a mutual agreement has been reached."

 

The £500 charges on top of the original £1300 debt have been charged by them over the last 11 months which is how long i've been having problems for.

 

So its going up £600 a year and they have told me they will not take me to court.

I could end up owing tens of thousands by the end of this.

Add that together with the other 2 and i'm going to be in big trouble

 

I do keep trying to come to an agreement but their agreement means pay what they say not what i can afford.

 

Thank you

[dx100uk]

as per post 72

 

you call the shots not them

 

dx

[yasminora]

but won't they one day take me to court? And when that day comes I could owe thousands.

[dx100uk]

no

 

and

 

no

they balance is their penalty charges that are UNLAWFUL.

 

go read a few threads here

 

dx

[yasminora]

ty i'll hunt around and take a look

[renegadeimp]

Almost a full year dealing with this, a full year where people give you the same answers, but you still ask the same questions.

[yasminora]

Almost a full year dealing with this, a full year where people give you the same answers, but you still ask the same questions.

 

I'm unsure why you responded a few days ago with a really kind and helpful answer and now suddenly feel the need to become sarcastic and unneccessarily unkind on something you most certainly haven't been dealing with for 12 months as you've only replied once and that was a few days ago. It has gone on for 12 months because Jacamo has refused to stop the charges for 12 months. Had I known there was time limit here I wouldn't have posted. It's quite easy to ignore the thread if you're fed up with it. Simply don't click on it. I come here because people are so knowledgeable and kind. Obviously you're not one of them. I won't post again.

 

Many thanks to DX, Brigadier and all others who have taken the time to help an anxious old woman I'm very grateful. x

[renegadeimp]

I'm unsure why you responded a few days ago with a really kind and helpful answer and now suddenly feel the need to become sarcastic and unneccessarily unkind on something you most certainly haven't been dealing with for 12 months as you've only replied once and that was a few days ago. It has gone on for 12 months because Jacamo has refused to stop the charges for 12 months. Had I known there was time limit here I wouldn't have posted. It's quite easy to ignore the thread if you're fed up with it. Simply don't click on it. I come here because people are so knowledgeable and kind. Obviously you're not one of them. I won't post again.

 

Many thanks to DX, Brigadier and all others who have taken the time to help an anxious old woman I'm very grateful. x

 

I didnt intend for it to sound like that, my apologies. It's just the same answers have been given over and over and the answers never change.

[yasminora]

Thank you for that. I understand what you're saying but the reason I keep asking is because I've only just this week received the credit agreement and the recent letter so things are being dragged out by them. Sometimes I maybe haven't fully understood answers and so will ask again if I'm unsure. Jacamo are dragging it out and although people are saying ignore it etc and in the end they can do nothing, when they contact me saying different things it makes me anxious. I haven't sent off for the SAR and hope its ok to let you know here when I get it.

 

Thank you again and sorry if I got upset over your reply.

[renegadeimp]

Jacamo will drag it out. It is in their interest to get you to cower down and pay the silly charges. It's how they make the bulk of their money.

[dx100uk]

no need for that.

 

what you need to be aware of is that we see the kind of worry you have on a daily basis.

 

its very sad that punters like you get for want of another word 'fleeced a spoofed'

 

by wha these companies intimate cold happen

 

I can understand where the frustration of regular posters comes from

when people don't quite pick up on whats pointed out.

 

dx