taking money unlawfully ... awful telephone manner

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stevetomlinson's review of 123 Debt Solutions www.123debtsolutions.co.uk

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“taking money unlawfully ... awful telephone manner ”

Written on: 20/03/2013 by stevetomlinson (1 review written)

the company took money from my account without my go ahead... i gave them bank details with my pack but never gave the go ahead date... when i decided to not proceed they still took money regardless.... the telephone manner was disgusting and they laughed at me over phone ... they have created more stress instead of lifting it.... there are companies like the cccs that will do it all for free... dont give your money to 123 ... they take a massive chunk of your money meaning you debt will take longer to finish paying

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123Ds's Response to stevetomlinson's Review

Written on: 21/03/2013

Sorry if you feel this way, however I have to comment on your post. You sent your documents back to us to start your debt management plan on 24/01/2013. You were very happy with the advice that you received, and YOU setup a standing order to commence on 01/03/13. This was the payment that we received, WE DID NOT TAKE THIS FUNDS WITHOUT YOUR "GO-AHEAD"! You did not put the correct reference on the payment, so it took time to locate the funds. Once we confirmed receipt, you verbally informed us that you had changed your mind have given no previous indication. You were outside of the legal cooling off period of 14 days, and we had already prepared the documents to send to your creditors. You have still not complied with our agreement to cancel the plan in writing, which you must do. I was present for the call which you claim to have been laughed at, and heard nothing but a 10 minute rant from you which left our agent visibly upset. I fail to see what we have done wrong, and fail to see how we have caused you stress. You were happy to start the plan, happy to send a payment to us. It is not our fault you attached an incorrect reference to the payment, and we cannot be blamed for "taking" a standing order from your account. We are upfront with our fees, and have nothing to hide as we are amongst the lowest fee-chargers in the industry. These were clearly explained upon assessment, and knowing that there was a free sector you still decided to enter an arrangement with us. You signed to enter an arrangement with us, then decided to change your mind 1.5 months later, yet the debt management company is still to blame. It is very easy to find a scapegoat in this situation - some people need to face up to their own responsibilities and actions!

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Stevetomlinson's reply to 123Ds's Comment

Written on: 21/03/2013

am just lookin at the bad reviews for 123 on the internet, a lot saying the same as myself and other matters that are are far more serious than my 60 pounds loss ... i know that not one penny of the 60 pounds taken is going to a creditor... obviously i am a liar and have not been cheated or scammed ... no go ahead was given for a payment but thats 123 debt solutions oh so factual word against mine.. back handed tactics and sly ... never mind .. have advised my partner and a friend to come off the dmp and i suppose thats a result and am more than happy with that .

i will not be responding to any more comments on this matter on here.... its always nice to have the last word..

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Grateful123's reply to Stevetomlinson's Comment

Written on: 03/09/2013

Today, virtually all the major banks, credit card companies and other lenders agree to pay FSCs in recognition of the unique service CCCS provides to the financially vulnerable. The payment is based on creditors returning a percentage of the monies repaid to them through Debt Management Plans (DMP's) So the creditor pays CCCS through the monies they receive via CCCS from you....sounds like charges.

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Stevetomlinson's Response to stevetomlinson's Review

Written on: 21/03/2013

reluctantly i only gave one star as that was mimimum requirement for site ...

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