Ricky62

[Ricky62]

Hi, I started using calims management compant belmont thornton back in April, initially they were quick in dealing with my complaint, so qick in fact I ended up with a debt to them as the credit card involved just deducted from what I owed them, as I am out of work, paying this debt to Belmont Thornton would be impossible given my level of income. I tried writing to appeal to their better nature, in a nut shell they didn't have a better nature, and basically said 'tough do do, you signed up', they went on to try and justify their stance. I immediately infromed them not to continue any further claims, incase this happens again, I had no reply.

They then started chasing the original debt, no less than 6 over due letters on each of the two small claims, plus text messages. Finally when I failed to pay the referred the debt to a collector (this being after 4 months) I borrowed the money from family to pay them off.

At the end of August I had a letter from LloydsTsb making an offer in settlement of my complaint with them. I had no correspondance from Belmonts at all ,no up dates, no this is what will happen, no nothing. I then spent more than a month worringying myself to death that I will end up with another huge debt to Belmonts. However I got sent a cheque from Lloyds in settlement and then Belmonts woke up and started hassling me for payment. Do I have to pay them given I asked them to stop, their lack of customer service, and that the payment from Lloyds was automatic and Belmont didn't have to do anything?

[skv123]

Re: Ricky62

Did you write to them telling them not to continue? If so do you have evidence?

Alternatively if it was via telephone do you know if they record calls or do you have phone records confirming that you telephoned them on or around when you think you cancelled?

The problem is that even with cancellation there will be a fee due, although it may well be a smaller fee.

I would invoke their complaints procedure and formally explain why you dispute the new invoice. I would further state an intention to refer the matter to the MOJ should they not respond to your satisfaction.

[Gorang]

Re: Ricky62

I personally would also send Belmont a SAR to see what they have all done, ie how many creditors they have contacted on your behalf and also to see when and how they contacted them

[Ricky62]

Re: Ricky62

Did you write to them telling them not to continue? If so do you have evidence?

Alternatively if it was via telephone do you know if they record calls or do you have phone records confirming that you telephoned them on or around when you think you cancelled?

The problem is that even with cancellation there will be a fee due, although it may well be a smaller fee.

I would invoke their complaints procedure and formally explain why you dispute the new invoice. I would further state an intention to refer the matter to the MOJ should they not respond to your satisfaction.

Hi thanks for info I did put it in writing but not formally i.e. I hand wrote a note on one of their letter/forms telling them not to proceed if that means I will be left a bill to them having not had a cash refund.

May I ask what MOJ is?
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I personally would also send Belmont a SAR to see what they have all done, ie how many creditors they have contacted on your behalf and also to see when and how they contacted them

Hi thanks for info what is SAR please?

[Gorang]

Re: Ricky62

May I ask what MOJ is?

Ministry of Justice, and they are the regulator for companies like this

Like i said I would be inclinded to send them a SAR (subject access request) also as it seems that they have not been very forward in letting you know who, never mind when, they have contacted anyone about your debts

So a SAR will/should show you exactly what they have done and when
If they comply with the request, if they don't then they can be reported to the regulators for non compliance of the DPA 1998 request

[labman]

Re: Ricky62

I've sent a pm to someone who is very knowledgeable about CMC's to ask if they would have a look at it for you.

[charitynjw]

Re: Ricky62

& link to SAR

http://www.legalbeagles.info/forums/...ad.php?t=27538