Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Viral_Jim on 01 August 2017, 20:57:52
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When I cancelled the omega insurance with Tesco, I cancelled it before the last payment was taken so there was an outstanding balance. Without contacting me, Tesco handed the debt off to Moorcroft debt collections. Not how I would have handled it but ok.
After they called me I declined to pay on the basis I needed to confirm the actual outstanding balance with Tesco. Dealing with the organ grinder rather than the monkey as it were. So I called Tesco, paid up and that was that.
Got another call tonight asking me to make payment. I explained I already had, then the guy on the phone tries to pressure me into sharing my credit card statement to prove payment! On what planet would you share sensitive personal financial information with a random company that you have no commercial relationship with >:(. I told them where to get off and talk to their client.
He then tried to imply they'd take me to court. I told them to go ahead, it'll be funny and I'll claim some expenses for the privilege of defending the claim.
We await developments.
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If they claim they have incurred costs by chasing you for payment, and you are refusing to pay their costs...watch out. They are mercenary bastards.
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I use Stepchange to deal with them... Think they only had the account for a month before throwing it back to Lloyds...
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My wife needed a credit card, and we agreed that an asda one would be good as cashback on asda purchases.
Gets the card and there are 2 ways of getting it working. one is to phone a real person and the other is on line.
The online method automatically puts your statements onto online only, without you being aware.
So my wife uses her card about 3 weeks later for the first time. Then we are waiting for a bill. After about 5 weeks, we check on line and find that she's had a bill and defaulted and had a "fine" of 12 added to her next bill. So we quickly pay the total.
The very next day she gets a letter from a debt collection agency. She phones asda credit cards and they apologise and refund the £12 as they can see it's not her fault and put her back on paper statements.
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If they claim they have incurred costs by chasing you for payment, and you are refusing to pay their costs...watch out. They are mercenary bastards.
Yes indeed they can, but Tescos should have refused to deal with you after passing the debt to a third party collection agency, in theory, they have annulled the Debt from Moorcroft.
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Credit cards are devil's work...
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We all get bombarded with persuasions to do everything online. When it all works' great. When it doesn't it's a disaster, and the disasters are all too frequent.
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
Hmmmm if you can pay it off each month then you don't need one ::)
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
Hmmmm if you can pay it off each month then you don't need one ::)
While technically true, I think they still have a place. Firstly they provide additional protection for purchases, we have used the section 75 rules to reclaim money for purchases which have gone wrong more than once.
Also, SWMBO and I have each had two free business class upgrades to the US and back as a result of the air miles we accrued, at least half of these have come from CC spend.
As with many things though, they have the potential to land you in the sh!t if used incorrectly ;)
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
Hmmmm if you can pay it off each month then you don't need one ::)
Section 75 protection is a wonderful thing - and for large purchases you'd be mad not to take advantage of it.
Had I not paid by CC for a £450 wiring loom then, right now, I'd be out £450 with no wiring loom now that the company I bought it from has (apparently) done a runner. But I paid on a credit card, so I'm not - I have my £450 back and they're left to fight with the credit card company.
.. wait, what Jimmy said ;D
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
Hmmmm if you can pay it off each month then you don't need one ::)
I disagree. My money stays in my bank account all month earning (a bit of) interest. Come the end of the month, my credit card is automatically paid off in full. I also win in that my credit card gives me some money off fuel & some other things and I don't need to go & get cash to pay for stuff ...... I effectively have £20k in my back pocket.
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Send a recorded letter asking for proof of liability for the debt as well as dates of all correspondance sent from the aggrieved party(ies) to yourself and when the notice of default was sent. Unless they are squeeky clean and have followed the correct procedure (which it sounds like they are not) they will most likely back down at that point.
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I had the same when I moved house and a utility company sent my final bill to my old address, then wondered why it went unpaid.
Contacted the utility and resolved the issue then advised the debt collectors that sex followed immediately by travel was their best option. Didn't get any further hassle.
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All of this bravado is fine, as long as it is the correct and legal way to go about things. If you think that your life can't be made hell by these companies, then take a trip over to MSE forums. You will see there that, despite you doing things correctly, a lot of companies play fast and loose with your credit file.
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Just one, small, incorrect default on your credit file, and......
http://forums.moneysavingexpert.com/showthread.php?t=5684927
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Credit cards are devil's work...
A valuable tool if paid back in full every month.......which I do.
However, I don't believe credit cards should be made available for women. Same goes for the vote.
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I had the same when I moved house and a utility company sent my final bill to my old address, then wondered why it went unpaid.
Contacted the utility and resolved the issue then advised the debt collectors that sex followed immediately by travel was their best option. Didn't get any further hassle.
??? ??? ???
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I had the same when I moved house and a utility company sent my final bill to my old address, then wondered why it went unpaid.
Contacted the utility and resolved the issue then advised the debt collectors that sex followed immediately by travel was their best option. Didn't get any further hassle.
??? ??? ???
i think that was a long way round of saying f*** off ::)
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I had the same when I moved house and a utility company sent my final bill to my old address, then wondered why it went unpaid.
Contacted the utility and resolved the issue then advised the debt collectors that sex followed immediately by travel was their best option. Didn't get any further hassle.
??? ??? ???
i think that was a long way round of saying f*** off ::)
Long-winded but witty. :D ;)
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Credit cards are devil's work...
A valuable tool if paid back in full every month.......which I do.
However, I don't believe credit cards should be made available for women. Same goes for the vote.
Oh dear, is you in deep doo-doo! Wanna hide in my cupboard?
Ron.
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Credit cards are devil's work...
A valuable tool if paid back in full every month.......which I do.
However, I don't believe credit cards should be made available for women. Same goes for the vote.
Oh dear, is you in deep doo-doo! Wanna hide in my cupboard?
Ron.
Women tend to believe that money spent using credit cards is not 'real money' but 'play money'
Credit cards are the reason the average British woman owns 200 pairs of shoes. :)
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Are you serious? 200 pairs?
I own one pair for everyday use and another pair somewhere in a safe place, just in case. 8)
Ron.
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My daughter owns 30 pairs of trainers alone, never mind the shoes & boots. Apparently the trainers ranged in price from £175 - £500 a pair.
She doesn't own her own home. ::)
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:o :o :o :o :o :o :o
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Then there was the £1200 Burberry coat, the Argentinian leather jacket (price undisclosed so far) a pair of those shoes with the red soles (god knows how much), and mustnt forget the Arsenal season ticket -£thousands I should think.
Rent is over 2 grand a month. How much of a mortgage would need that amount as a monthly repayment ? ::)
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Then there was the £1200 Burberry coat, the Argentinian leather jacket (price undisclosed so far) a pair of those shoes with the red soles (god knows how much), and mustnt forget the Arsenal season ticket -£thousands I should think.
Rent is over 2 grand a month. How much of a mortgage would need that amount as a monthly repayment ? ::)
£24000 each year. :o :o :o She must be a wealthy woman.
I understand why people rent short term, but in the long run there is too much 'dead money' going to waste.
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Shoes? what are they? can't afford shoes. ::)
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Then there was the £1200 Burberry coat, the Argentinian leather jacket (price undisclosed so far) a pair of those shoes with the red soles (god knows how much), and mustnt forget the Arsenal season ticket -£thousands I should think.
Rent is over 2 grand a month. How much of a mortgage would need that amount as a monthly repayment ? ::)
£24000 each year. :o :o :o She must be a wealthy woman.
I understand why people rent short term, but in the long run there is too much 'dead money' going to waste.
Earned a decent salary until 3 months ago. Now jobless and living on savings. 2 grand a month for a 1 bed, 3rd floor flat, is madness to me, but the market value of the flat is over £700,000, so saving a deposit for that while paying over 2 grand in rent isn't easy.
Buying all those shoes and clothes doesn't help at all of course, but that's women for you. ::)
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Then there was the £1200 Burberry coat, the Argentinian leather jacket (price undisclosed so far) a pair of those shoes with the red soles (god knows how much), and mustnt forget the Arsenal season ticket -£thousands I should think.
Rent is over 2 grand a month. How much of a mortgage would need that amount as a monthly repayment ? ::)
£24000 each year. :o :o :o She must be a wealthy woman.
I understand why people rent short term, but in the long run there is too much 'dead money' going to waste.
Earned a decent salary until 3 months ago. Now jobless and living on savings. 2 grand a month for a 1 bed, 3rd floor flat, is madness to me, but the market value of the flat is over £700,000, so saving a deposit for that while paying over 2 grand in rent isn't easy.
Buying all those shoes and clothes doesn't help at all of course, but that's women for you. ::)
Hard to get my head around this equation.
I suppose 'planet London' can charge whatever it wants. ;)
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People in London seem to lose all concept of distance. When I was looking down there I looked at catford and flats were merely unreasonable (2 bed was about £180k at the time -4yrs ago ish).
When I told people in the office they looked at me like if told them I was going to commute from cumbria. Yes it would take longer, but I'd rather have known I was on the property ladder and getting some of the benefits of the London market, rather than paying someone else's pension.
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My experience is, that they get attached to a certain area. In this case Shoreditch, because it was a very cool place for a young person to live
Now however it has become uncool because its too popular. ::)
No, me neither. ;D
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My colleague (who's on secondment with us) chose to live in Shoreditch when he moved to the uk He works for a big accountancy firm, is vegetarian and his only hobby is going to the gym.
If they're all as cool as him, the place must be rocking! :y
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I believe there is a by law which means you can only walk the streets of Shoreditch if you have an Apple Mac under one arm and a copy of the Grauniad under the other. :y ;D
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In my early youth, Albs, Shoredith was - what shall I say - very low rent; as for the Grauniad (was the manchester Guardian back then), reading was a skill not acquired by many!
It was near to Petticoat Lane, though..... :y 8)
Ron.
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In my yoof Shoreditch was the place to go for late night drinking on a Friday night and a trawl round the strip clubs! :)
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I thought I recognised you from somewhere! :D
Ron.
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
Hmmmm if you can pay it off each month then you don't need one ::)
If you AREN'T paying it off every month, then you are getting into a whole array of trouble... ...and then you SHOULDN'T have one.
Most credit cards offer some kind of rewards system, thanks to all those who do default (cheers :y), that's worth taking advantage of, as its some of the additional protections (but note debit cards now also have protections in place as well).
As dad drummed into me, if you can't afford it, don't buy it. Simples. Although he did cut me slack when I needed a mortgage ;D
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Then there was the £1200 Burberry coat, the Argentinian leather jacket (price undisclosed so far) a pair of those shoes with the red soles (god knows how much), and mustnt forget the Arsenal season ticket -£thousands I should think.
Rent is over 2 grand a month. How much of a mortgage would need that amount as a monthly repayment ? ::)
£24000 each year. :o :o :o She must be a wealthy woman.
I understand why people rent short term, but in the long run there is too much 'dead money' going to waste.
Earned a decent salary until 3 months ago. Now jobless and living on savings. 2 grand a month for a 1 bed, 3rd floor flat, is madness to me, but the market value of the flat is over £700,000, so saving a deposit for that while paying over 2 grand in rent isn't easy.
Buying all those shoes and clothes doesn't help at all of course, but that's women for you. ::)
Hard to get my head around this equation.
I suppose 'planet London' can charge whatever it wants. ;)
Which suits me, if the daft want to live in that hellhole, it keeps them away from me :)
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My colleague (who's on secondment with us) chose to live in Shoreditch when he moved to the uk He works for a big accountancy firm, is vegetarian and his only hobby is going to the gym.
If they're all as cool as him, the place must be rocking! :y
Either of them is reason enough to be on "the list" when I become President of the UK ;)
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I thought I recognised you from somewhere! :D
Ron.
Didn't know you used to be a stripper Ron. :)
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I thought I recognised you from somewhere! :D
Ron.
Didn't know you used to be a stripper Ron. :)
So, your saying you used to frequent male strip clubs :o :o ;D
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I thought I recognised you from somewhere! :D
Ron.
Didn't know you used to be a stripper Ron. :)
So, your saying you used to frequent male strip clubs :o :o ;D
No. There were some big girls, but I don't remember a Big Veronica. :-\ ::)
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Credit cards are devil's work...
Not if used & paid off each month. They can be very handy & convenient ;)
Hmmmm if you can pay it off each month then you don't need one ::)
If you AREN'T paying it off every month, then you are getting into a whole array of trouble... ...and then you SHOULDN'T have one.
Most credit cards offer some kind of rewards system, thanks to all those who do default (cheers :y), that's worth taking advantage of, as its some of the additional protections (but note debit cards now also have protections in place as well).
As dad drummed into me, if you can't afford it, don't buy it. Simples. Although he did cut me slack when I needed a mortgage ;D
Generally use my cc for work expenses so get the vast majority of it back when I put my expenses claims in. The same as TB I was brought up with the moral of if you can't afford it you can't have it.
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I thought I recognised you from somewhere! :D
Ron.
Yes, I was in drag, as veRONica! :-[
Didn't know you used to be a stripper Ron. :)
So, your saying you used to frequent male strip clubs :o :o ;D
No. There were some big girls, but I don't remember a Big Veronica. :-\ ::)
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I thought I recognised you from somewhere! :D
Ron.
Yes, I was in drag, as veRONica! :-[
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I had the same when I moved house and a utility company sent my final bill to my old address, then wondered why it went unpaid.
Contacted the utility and resolved the issue then advised the debt collectors that sex followed immediately by travel was their best option. Didn't get any further hassle.
??? ??? ???
i think that was a long way round of saying f*** off ::)
I read as "go forth and multiply", which is the polite way of saying the same. :y
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Or, "go and do somethiung ending in "off" - you have a few choices....." ;D
Ron.