TSC Credit Management letter - VIRGIN MEDIA T&C

djkemp1

-Sorry i posted this on another part of the forum but was advised to post here instead -

i have just had a Final Notice letter through from TSC Credit Management informing me that i owe money and the creditor it names is Virgin Media T&C.

i have had two separate letters through with two different account numbers on. the first letter says i owe them £97 and the second letter says i owe £31

i have never been with virginmedia, the only thing i can think of is that i was with NTL about 4 years ago! at a different address but i was told over the phone that the bills had all been settled and i could disregard any other bill that came in, and no other bills ever did come through, i never received a final confirmation letter from NTL.

what is going on here? surely i am not liable for this as when i was with NTL i was assured that the bill etc was settled and i owed them nothing. assuming that is what is happening.

HELP??!!??

RAS

Hi
You need to send both lots of people a CCA letter, bascially demanding that they prove that you owe them money.

Will post it up shortly.

If they do not send this, they cannot register defaults or collect themoney from you.

Tuscan54

Yes I receive a letter from these people relating to a an amount which they say I incurred with NTL 4or 5 years ago. I delt with the disputed bill at that time and was told it was NTL`s error. When I rang TSC the were very off hand and told me to ring Virgin Media. I rang the number they gave me and it was not recognised. I think this is very sharp practice and will dispute the amount. I have kept all my correspondance with NTL from that time. Can I claim back fron these people my costs for carrying out this action? Can I have a copy of this CCA letter? What does CCA stand for?

RAS

Consumer Credit Agreement. Has to be supplied or the debt is unenforceable.

So this is what you send, recorded delivery, print your name. If they do not send the complete and proper documentation back with the time limits, you have to pay nothing.

Please do not sign it, just print your name. We have instances reported here when the returned sig was that of the person who sent the letter and not the putative debtor!

theThe Loan Company
Company House,
Church Street,
Newtown,
Kent,
R1 7HG

Dear Sir/Madam

Re:− Account/Reference Number 4563210025897412

I do not acknowledge any debt to your company.

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

1. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request; your obligation also extends to providing a statement of account. . We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

We understand a copy of our credit agreement should be supplied within 12 working days.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

We look forward to hearing from you.

Yours faithfully
Mr A N Other

The one pound is the statutory fee that you have to send to pay for the CCA. it must be sent registered mail or special delivery and check when it is received.

The DCA have 12 working days plus 2 to respond to you before they are in default. 30 days after that, you can tell them where to go, rather firmly.

slipthru

I was with Telewest for 9 months in 2005. I moved house and asked to take the service with me. When I called to check if it was possible when I first found the flat they said it would be fine as they serviced the road. However, when I moved in I found out that my flat wasn't covered. So they arranged to come and collect the equipment on two separate occasions but both times never turned up. I completely forgot about it until I got a call out of the blue about a year ago. I denied having any debt - as far as I'm aware I don't - I've never received anything to suggest that I do in writing and phone calls were useless. I have since moved again and today received the final notice letter demanding payment or contact with them.

Do I have any rights? They have never contacted me, they were unable to provide a service I'd signed up to despite assuring me they could, yet I'm now being faced with legal action. How does this work?!

RAS

slipthru

Can you post a new thread as this is a different issue.

djkemp1

no its the same issue, NTL and TELEWEST were part of the same company. and the final notice they received is what we have all received too.

this CCA you say i need to send to TSC and VIRGINMEDIA??

djkemp1

Ok heres the latest: -

i phoned VirginMedia who asked for the customer number on the letters received, and she stated that it was in fact the old NTL accounts. so she went into them and started looking for a while and came back and said the two ammounts that i owed as stated on the letter from TSC, i got into quite a big debate and she just kept saying that the system showed that i owe them this money still, i explained that i had a lot of problems when it was still NTL and that eventually a manager said he'd sorted it out and cleared my accounts - her reply was that because there was no notes on the system to say i didn't owe this money then it meant i had to pay up as i was in debt to them, she asked if i wanted bank bills to prove this, and when i said yes she told me to wait while she spoke to her manager, after 4 or 5 mins she came back and said she would try and get these bills sent out but as they are quite old it maybe quite difficult to do. to which i replied well i am not paying anything unless i have a previous bill stating this, so she said she would get that done and tod me to contact TSC to inform them that i was awaiting a previous bill.

........ now i phone TSC

i spoke to a nice lady and explained the whole situation again and told her i had rang virgin with no luck what so ever. when i told her about the amount of people on these consumer sites that are also having these problems she agreed with me and said she was aware of a lot of people in the same position as me disputing the virginmedia payments. however she said as they are a debt collecting company she was unable to help as they are employed by VirginMedia to get this money back. i explained about the fact i was awaiting bills and she said she would note on the system this info and to call back in 7 to 10 days and if i still hadn't received bills then TSC would have to try and get them.

what are we to do????

i don't want to pay out £130 for a service that was settled 4 years back (or so i was told)

RAS

Is this mobile phones ?

fermi

RAS: I don't think the old NTL contracts/agreements fall under the Consumer Credit Act 74.

From what I remember my old NTL accounts were just a simple "service" agreement (or something similar).

RAS

fermi

That's why i was asking. had not realised it was likely to be mobiles.

Sorry but I am a bit of a Luddite/late adopter. Only have PAYG and rarely use that.