If you should be nevertheless just getting letters, you need to invest written (perhaps not phone) issue to T-Mobile. I would recommend making use of Resolver – it is free solution that can help monitor complaints.

See and also you like to whine about Billing / Being charged for the service that is cancelled. If this problem does not resolve the situation, you ought to go towards the Ombudsman that is relevant Resolver solution can deal with that too.

After investing in your T-Mobile issue, you ought to notify the DCA on paper that your debt is with in dispute with T-Mobile and you have actually put in a written grievance and therefore you would like them to suspend any style of enforcement action and stop to get hold of you in regards to the so-called debt through to the issue is fixed.

I happened to be announced bankrupt in 2013 in britain plus some of my old records which were contained in the bankruptcy continue to be showing as ‘active’ and default that is‘in to my credit reports/files. It is despite these ongoing organizations being notified of my bankruptcy. We have contacted all of them via post and e-mail and nearly all of them have actually simply ignored me personally. Exactly what can i really do to have them to solve this? Will they be breaking what the law states? Thank you for your own time Sarah

Sara (Financial Obligation Camel) says

Hi Sarah – listed here is a write-up that looks at clearing up your personal credit record after bankruptcy:

I’ve had an arrangement with a business collection agencies agency for many years, a decreased degree repayment had been agreed and I also have not missed, We spend by direct debit. They will have started delivering letters asking me personally to resubmit my income/expenditure…can they do such a thing them this information and continue with my currentt payments if I do not give

Sara (Financial Obligation Camel) says

You don’t have actually to provide them A income that is new type. But so they could go to court for a CCJ if you refuse, they may decide you have got more money.

Hi, i’ve been in dispute about credit cards financial obligation, I had PPI regarding the policy and had been informed because of the bank card business that my re re payments will be covered beneath the policy, but i’ve been informed because of the insurance carrier that I became struggling to claim because of the fact I didn’t spend course 4 national efforts whilst being one-man shop. A DCA business have actually required re payment for the balance that is outstanding they usually have stated which they usually takes court action to recuperate the total amount. May I declare that the agreement is unenforceable regarding the grounds that the PPI policy that types the main loan in Arkansas agreement ended up being mis-sold?

Sara (Financial Obligation Camel) says

No, but we suggest you add in a claim for a PPI reimbursement as quickly as possible – that will enable you to reduce and sometimes even pay back the balance that is outstanding. Don’t work with a claims company!

Hi, i’ve currently started a claim for mis sold PPI using the FOS, but the DCA are still threatening court action, also that a dispute is still in progress and could take up to six months to complete though I have informed them. Could I ask the claim be struck down if court action is pursued, regarding the grounds that the claim might perhaps maybe maybe not occur if my dispute is upheld by FOS?

Sara (Financial Obligation Camel) says

Then i suggest you talk to National Debtline about your options if you are very worried they will start court action. Nonetheless it may just be sensible to achieve an arrangement to cover aided by the DCA in order to prevent this?

I’ve been threatened by having a ccj in a single weeks time, I am able to pay the balance in complete from the 28th of jan. can there be time period limit to cover the total amount in complete prior to it being set in rock from the file? We have read that 1 month when they plan? just so it is known by me could be good to understand the reality? many thanks

Sara (Financial Obligation Camel) says

“Threatened with a– that is CCJ you have actuallyn’t yet gotten a Claim Form through the court?

Within 30 days, it will not appear on your credit record if you get a CCJ and you pay it. I don’t understand it very old if you have a reason to contest this debt – is?

no its from a financial obligation management/solicitors. they stated they will certainly register into the courts from the twentieth, could it be 1 month from then or once the court get intouch. its from an old littlewoods account from after some duration ago ВЈ150

Sara (Financial Obligation Camel) says

To resolve your concern, if your financial obligation collector place in a Claim from the twentieth, you will have two weeks to register a defence, or perhaps you can expand this by doing the acknowledgement of solution kind you’re getting because of the Claim kind. From then on a weeks that are few you will have a judgement and from that date you have got 1 month to cover.

Nonetheless, it’s worth talking to the DCA now and wanting to deal in order to avoid court, because then court expenses will be added on.