Ripped Off by a Claims firm - Debts 'Unenforceable' Law Change in Scotland ?

SouthCoast

Small claims in the sheriff court

http://www.adviceguide.org.uk/scotland/your_rights/legal_system_index_scotland/small_claims_in_the_sheriff_court_scotland.htm

TheRealDeal_2

Surprise surprise their phones were engaged and now the line is closed at 7pm.

I tried calling the Financial Ombudsman and their lines were closed too.


P.S. Thanks for the link SouthCoast

pepe2008

Fang wrote: »

You can't con and honest man.

Fang,Dont talk such b*ll*cks!

...and to the Original Poster...
The Firm you have been dealing with should be reported to the Financial Ombudsmans Service and your Local trading Standards Office. They are out-and-out con merchants, as are all the Firms of this type.

They can do nothing for you that cannot be done for free with a little advice and Guidance from sources on here.

TheRealDeal_2

pepe2008 wrote: »

...and to the Original Poster...
The Firm you have been dealing with should be reported to the Financial Ombudsmans Service and your Local trading Standards Office. They are out-and-out con merchants, as are all the Firms of this type.

They can do nothing for you that cannot be done for free with a little advice and Guidance from sources on here.

I did call the Financial Ombudsman this morning and they told me they cannot deal with it, they advised I contact the Ministry of Justice.

After that I called back the Firm in question and had another lengthy debate that got nowhere before being cut off, I called back again, asked for a Manager to complain....

Funnily enough no Manager was available, I was then put on hold after explaining my problem and then the Adviser came back to me to say that the Refund has been signed off but I need to write a letter explaining why I want a refund and requesting the proper amount of £1500.

So perhaps I am getting somewhere ?

I'm not good with letters though, I don't know where to start.

TheRealDeal_2

I was wondering has anyone on here heard anything about the Law in Scotland changing with regards to Debt not being allowed to be declared 'Unenforceable' ?

I can't find anything on it.

ILW

So you thought you had found a way out of repaying your debts, the debt company have found a way out of repaying you. Who is the victim?

TheRealDeal_2

ILW wrote: »

So you thought you had found a way out of repaying your debts, the debt company have found a way out of repaying you. Who is the victim?

Not exactly no, I was lied to by this company when I was at my most vulnerable.

I was trying to repay my Debt after getting advice from Debtline Scotland and Citizens Advice, I used their Template letters to contact all my Creditors and request they freeze the interest and take lower payments.

They either refused or ignored me and constantly harassed me day in and day out.

Adding them all up meant I had about an average of 5-10 phone calls per day and 2-5 letters per day.

I was given all the talk from this company when I was desperate so I signed up, after that my phone and letter box went quiet for nearly a year so things seemed to improve, last week when this company told me the Law changed in Scotland and the Debt Collectors will be hassling me again, I felt physically sick. They wanted to reinvest my money into another scheme....

This is when I thought something was amiss.

The company I was dealing with I actually found out today have been caught out by a BBC investigation team so I'm not a solo victim of their dodgy dealings.

I don't appreciate you ILW implying that I was not caring about my debt and trying to cheat my way out of it.

My creditors didn't care of my situation and when I was at my most vulnerable I got conned, plain and simple !

NorthernLas

RD - Just try and ignore posters who are not being helpful to you.

The letter should be something like this

Dear Sir,

re: agreement xxxx

I was informed on XXX by telephone that the 3 agreements you were investigating on my behalf are in fact enforceable. As requested by yourselves I am writing to formally request a refund of the £1500 paid by myself.

Please update me on progress within 14 days.

Yours faithfully

Once you have this in hand then you can work out what to do next. Either agree repayment plans or identify if the accounts are not enforceable. If you can explain what you mean by 'nothing changed using them', I'm sure people on here can help.

TheRealDeal_2

NorthernLas wrote: »

RD - Just try and ignore posters who are not being helpful to you.

The letter should be something like this

Dear Sir,

re: agreement xxxx

I was informed on XXX by telephone that the 3 agreements you were investigating on my behalf are in fact enforceable. As requested by yourselves I am writing to formally request a refund of the £1500 paid by myself.

Please update me on progress within 14 days.

Yours faithfully

Once you have this in hand then you can work out what to do next. Either agree repayment plans or identify if the accounts are not enforceable. If you can explain what you mean by 'nothing changed using them', I'm sure people on here can help.

Thnk you very much for that, its a helpful response just as I was looking for, I can't thank you enough !

I will get the letter out Recorded delivery tomorrow.

TheRealDeal_2

I think its Time that I named and shamed this company, I don't need to do it though because any decent Google search brings this up which I only discovered today...



It is dated Saturday, 13 February 2010 -

http://news.bbc.co.uk/1/hi/business/8507054.stm