On Grumbletext.. Logic Group- does anyone know how much interest this logic group charge. the reason im asking is that i was made redundant in 2000 and was left with a debt of 3500 from ibna they passed it on to logic and i agreed to pay 50 pound a month which im still paying now. by my calculations iv paid about 6 grand to date and they.r still taking it out my account. ive received no statements or anything :( Grumbletext, UK consumer complaints about Logic Group - post your opinions, complaints, comments online or via SMS about Logic Group Logic Group complaint, Logic Group review, Logic Group opinion, Logic Group consumer review, Logic Group consumer complaint, Logic Group customer complaint, Logic Group consumer opinion, Logic Group customer opinion, Grumbletext

billybobcat
19:38 21/12/11
Posts: 1

logic group

does anyone know how much interest this logic group charge. the reason im asking is that i was made redundant in 2000 and was left with a debt of 3500 from ibna they passed it on to logic and i agreed to pay 50 pound a month which im still paying now. by my calculations iv paid about 6 grand to date and they.r still taking it out my account. ive received no statements or anything

Recovered post hack Guest
23:13 05/09/06

Re """" posted by mjt2006 at 11:

Re """" posted by mjt2006 at 11:46 03/09/06 ... No-one, but no-one 'owes' anything unless it is proven they owe it. Personally I have given up paying anything ever. simple really, what's a credit rating or two matter these days?

Recovered post hack Guest
23:11 05/09/06

Re """" posted by mjt2006 at 11:

Re """" posted by mjt2006 at 11:46 03/09/06 ... No-one, but no-one 'owes' anything unless it is proven they owe it. So shut up and go back to your snivvelling little inadequately paid debt control job, get a life and spend the remaining boring days you have left on this planet conversing with people as obnoxous as you. Perhaps this clarifies better my opinion than, starting 'But I disagree with your post ....'

Recovered post hack Guest
12:46 03/09/06

You Owe The Money So Pay It!!!

You Owe The Money So Pay It!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Recovered post hack Guest
8:54 26/07/06

By the way. I'll let you al

By the way. I'll let you all draw your own conclusions but it would be interesting to get a list of Golds Solicitors partners names (which they claim is available on request), a list of Directors of Logic Group Plc from companies house and see if there are any correlations. You can get list of who the partners are at law firms from http://www.lawsociety.org.uk/choosingandusing/findasolicitor.law HTH

Recovered post hack Guest
0:51 26/07/06

Re ""Re: The Solution is To Fig

Re ""Re: The Solution is To Fight Back"" posted by GlasgowGuy1974 at 23:42 25/07/06 ... Most people don't analyse their corres like this. And if you consider that it's only in the last few years that there's been forums like this there was previously no way that people could come together to fight them in this way. So they could get away with this, but no more. UOTE

Recovered post hack Guest
0:42 26/07/06

By the way. If you get a le

By the way. If you get a letter from Golds Solicitors, compare the photocopied letterhead with Logic Groups: Address: Same BGC Slip: Identical Barcode above your address: Identical Scrawled signatures: Could be by the same person for all I know I'll let you all draw your own conclusions but it would be interesting to get a list of Golds Solicitors partners names (which they claim is available on request), a list of Directors of Logic Group Plc from companies house and see if there are any correlations.

Recovered post hack Guest
10:54 20/07/06

Re ""Re: The Solution is To Fig

Re ""Re: The Solution is To Fight Back"" posted by GlasgowGuy1974 at 19:36 19/07/06 ... Hi there. Look at it this way, if you had a bad meal you wouldn't bawl out the waiter but complain to the manager or cook. Similarly, if (and it's a very big if) someone does turn up do this: Tell them that you are sorry they've wasted their time - the debt's not yours, you've spoken & written to company X many times & they've ignored this. You are not paying them or company X any money whatsoever. COnfirm your address is as where he is & if company X will write to this place with a reply matters will be resolved. Most collectors aren't bad guys & they only want an easy life. Most people pay up w/o any issue so he'll just move on. If he/she gets in the least stroppy say goodbye & shut the door. That's it period. HTH For further info check out the topic CAPQUEST UOTE

Recovered post hack Guest
20:36 19/07/06

I received another phone call

I received another phone call today from logic group and I refused to discuss the account with them as per a solicitors advice not to worry about collection agents. Their rep said they now had no choice but to send someone to visit me to discuss the account and ended the call. They caught me off guard otherwise I would have reminded them about the letters I sent. I just can't believe the brass neck on them. Any advice on how to deal with them - are they just making noise like a big kid? It looks like I now have no option but to raise court proceedings because it doesn't look as if they're going to go away otherwise. Thing is the bank have added more charges on the account (over ï¿½60 since I first tried to reclaim charges) and the total is to much to raise a small claim. Is it possible to sue for the charges and interest separately? I have contacted the OFT and trading standards about them. The OFT concurred it was a matter of concern to them, threatening a home visit after I'd written telling them that would constitute harassment. Trading standards said if they turn up I shouldn't let them in and if they refuse to leave I should call the police. Re ""The Solution is To Fight Back"" posted by GlasgowGuy1974 at 9:20 14/07/06 ... Hi there, if you've got the time, checkout the topic under 'capquest' There are myriad postings from people in your/mine/our situation and what they/we've done about it. Don't let the (you know the word) grind you down!! HTH UOTE

Recovered post hack Guest
13:04 14/07/06

Re ""The Solution is To Fight B

Re ""The Solution is To Fight Back"" posted by GlasgowGuy1974 at 9:20 14/07/06 ... Hi there, if you've got the time, checkout the topic under 'capquest' There are myriad postings from people in your/mine/our situation and what they/we've done about it. Don't let the (you know the word) grind you down!! HTH UOTE

Recovered post hack Guest
10:20 14/07/06

I received a voicemail message

I received a voicemail message the other day to call someone regarding my Bank of Scotland current account, he didn't give the company name but I traced the number to Logic Group Plc. The following day I received a letter from Logic Group about an overdraft with the Bank of Scotland (that I'm disputing because it consists entirely of bank charges) , threatening court action and home visits if I don't agree to pay up. The same day I received a phone call from one of their representatives, he said where he was from and why he was calling. I interrupted and told him I'd received their letter and had sent a written reply outlining my position. He asked about the nature of my letter to which I replied ""You'll find out when you receive the letter but my solicitor advised me not to speak to you"". He just recoiled at that and wound up the call, it was clear from his voice tone he was probably used to people who cower under pressure from debt collectors and was not prepared for someone who bites back. In my letter to Logic Group I made it plainly clear they cannot intimidate me by alluding to having automatic powers to do what can infact only be done by a Sheriff Officer or Bailiff who is in posession of a court warrant and accompanied by a police officer. This is the second debt collector Bank of Scotland have set on me, Blair Oliver & Scott Ltd were dealing with it before. They too made threats of home visits and court action, none of which came to bear. I wrote to Blair Oliver & Scott making my position clear and have heard nothing further from them. My advice is just let them spit in the wind until they get bored. Alternatively do what I've done and set the Financial Ombudsman Service, OFT, Credit Services Association on to them. I may even see if I can get them some bad publicity on telly and in the newspapers. Good luck with all your situations, I'm off to find editorial contact details for BBC Watchdog and the Daily Record. If you've had bank or other penalty charges imposed you can get them back, find out more at www.bankcharges.info and spread the word!

Recovered post hack Guest
10:36 13/06/06

Hi, I have asked Grattan via

Hi, I have asked Grattan via Logic Group to send me a copy of the signed credit agreement ( that I know doed not exist) and I have been informed that due to the backlog of paost that they have, they can not send me any 'proof' for at least several months. It has now been at least a month since I wrote to them and noticed that I can send them a letter if it not supplied within this time. Has anyone got a copy of this letter, so that it looks professional. Many thanks.

socbjehy23 Guest
10:03 13/05/06

Logic Group Plc

I have received a Notice of Enforcement Action from Gold Solicitors as per instruction from Logic Group PLC as they are stating that they have not received payment in accordance with the court order. I have been making regular payments via a standing order and have proof that these amounts have been deducted from my account via my bank statements. The letter states that they intend applying to the court for one of the following to enforce all or part of my judgement debt. 1. Attachment of Earnings Order, whereby they will request my employer makes deductions from my salary in respect of the outstanding judgement debt. 2. Warrant of Execution, whereby they will request Bailiffs to visit my property to levy goods to sell at auction to recover the case to value of the Warrant. The Bailiff may also collect the outstanding Warant in cash. 3. Charging Order, whereby they will request the court put a charge over my property for the balance of the debt. 4. Third Party Debt Order, whereby they will request the court makes an order that my bank pays money from my bank account directly to them. It also statement that if they require further information to assist them in enforcing the above they will apply for an Oral Examination. They will request that I be questioned under oath as to my means and that I produce documentation in support. Failure to comply with a court order requesting this can result in imprisonment for contempt of Court. The correspondence is dated 10th May and I received this on 13th May. I have tried to contact Logic Group, but their offices are only open between the hours of Mon-Fri 8.30am-5pm. Could anyone give me some sound advice as to what to do because this Enforcement is not justified as I have not broken the agreement??

rush123
20:30 05/05/06
Posts: 18

Re: LOGIC GROUP PLC

Re "Re: LOGIC GROUP PLC" posted by mjt2006 at 15:27 04/05/06 ... No this is crap you are talking about . talk abot the truth. i tell you one thing they are trying to con you . do not fall into theier trap. IM WARNING EVERYONE WHO COMES UP WITH THIS KIND OF PROBLEM AS ABOVE WITH LOGIC OR CAPQUEST . WHat you should do is the following.- this advice i give is taken by a solicito and many legal bodies. so its up to you to follow this. if you dont YOU WILL GET HARRASED THERE IS NOTHING TO IT. 1. COMPLAINT TO OFT AND EVERY SINGLE ORGANIZATION POSSIBLE. YOU CAN GET THIS FROM THE NATIONAL DEBT HELPLINE AND CAB 2.MAKE NOTE OF YOUR COMPLAINT - DO IT ONLY BY WRITING AND PUT EVERYTHING DOWN. THERE ARE LOTS OF INFORMATION ON HERE YOU SHOULD READ CAREFULLY. ALOT OF PEOPLE HAVE HAD THIS PROBLEM AND A LOT OF ANSWERS THEY HAVE GIVEN IS SIMILAR . PLEASE READ THE THREADS . THERE IS SO MANY ADRESSES ON HERE YOU CAN WRITE YOUR COMPLAINT TO. EVREYTHING SHOULD STOP ONCE YOU COMPLAIN. GET HELP TO WRITE YOUR LETTER IF YOU NEED TO . BUT BE FRANK AND SAY THAY YOU ARE BE HARRASED ALL THE TIME. DONT LISTEN TO PEOPLE WHO SAY THAT THIS CXAN BE DONE AND , TALK TO YOUR DEBT AGENTS AND SO ON . AS THIS IS BULLSHIT. ALL THEY ARE CONCERNED IS HITTING YOUR POCKET AND IN WHAT WAY GETTING YOUR MONEY. DO NOT FALL INTO THE TRAP. MY ONE ADVICE WHICH WILL WORK IS. COMPLAIN BY WRITING - LETS SHUT THIS COWBOYS DOWN FOR GOOD.

mjt2006
15:27 04/05/06
Posts: 1

Re: LOGIC GROUP PLC

At 19:56 04/04/06, rush123 wrote:

At 13:29 04/04/06, cleghm01 wrote:

Hi All,

A creditor of mine has recently passed a debt to Logic Group. They have sent me letters threatening Sheriffs Court/ Baliffs etc and have refused to accept an offer of payment via CCCS, with whom I have an account. I have occaisionally had deailings with them over the phone when they were always rude etc.

I need some advice - they keep charging huge amounts for sending letters out to me and pester me with at least a phonecall a day sometimes. Is there anything I can do about this? I have seen lots of stuff on here about "Prove it" letters but don't know if this is the thing to do.

Any help would be really appreciated, thanks, cleg

hi

you need to complain to OFT and Other organisations in writing. complain to CSA as well . complain to every single complaints department. you will find many info on here . if you dont complain you will get harrased and harrased and harrased is nothing to it. get legal advice and take action. find out if you owe the debt first and get your facts right. if you dont .dont pay a penny. Read all the treads on here and the capquest treads as well. . i have put a lot of info on the capquest site that evreyone would find useful.

Hello,
You do not need to complain about this when it comes to the Office of fair trading. As long as you speak to the Logic group about your dealings with the CCCS and that they will be helping you to clear your debt, this should not be a problem for them.
By law they have to look at your offer of payment due to OFT guidelines.
I must let you know however, that if a payment plan which you will be setting up with Logic was to break, then they will be on to you like flies around poo.
It's not a nice thing being in debt but as long as you keep in touch and stick to your arrangement with them there should not be any problems.
After 3 months they will be also looking to review your account and financial summary which you will have had to give the CCCS. As long as a copy goes to the Logic Group this should be fine for 3 months.

rush123
19:56 04/04/06
Posts: 18

Re: LOGIC GROUP PLC

At 13:29 04/04/06, cleghm01 wrote:

Hi All,

A creditor of mine has recently passed a debt to Logic Group. They have sent me letters threatening Sheriffs Court/ Baliffs etc and have refused to accept an offer of payment via CCCS, with whom I have an account. I have occaisionally had deailings with them over the phone when they were always rude etc.

I need some advice - they keep charging huge amounts for sending letters out to me and pester me with at least a phonecall a day sometimes. Is there anything I can do about this? I have seen lots of stuff on here about "Prove it" letters but don't know if this is the thing to do.

Any help would be really appreciated, thanks, cleg

hi

you need to complain to OFT and Other organisations in writing. complain to CSA as well . complain to every single complaints department. you will find many info on here . if you dont complain you will get harrased and harrased and harrased is nothing to it. get legal advice and take action. find out if you owe the debt first and get your facts right. if you dont .dont pay a penny. Read all the treads on here and the capquest treads as well. . i have put a lot of info on the capquest site that evreyone would find useful.

UpOverTheEyeballs
17:37 04/04/06
Posts: 59

Re: LOGIC GROUP PLC

Last edited by UpOverTheEyeballs on 14:46 22/12/07; edited 1 time in total

cleghm01
13:29 04/04/06
Posts: 1

LOGIC GROUP PLC

Hi All, A creditor of mine has recently passed a debt to Logic Group. They have sent me letters threatening Sheriffs Court/ Baliffs etc and have refused to accept an offer of payment via CCCS, with whom I have an account. I have occaisionally had deailings with them over the phone when they were always rude etc. I need some advice - they keep charging huge amounts for sending letters out to me and pester me with at least a phonecall a day sometimes. Is there anything I can do about this? I have seen lots of stuff on here about "Prove it" letters but don't know if this is the thing to do. Any help would be really appreciated, thanks, cleg

UpOverTheEyeballs
10:34 26/03/06
Posts: 59

d

df Last edited by UpOverTheEyeballs on 14:35 22/12/07; edited 1 time in total

julie11
22:01 25/03/06
Posts: 1



i received a phone call from mr roberts, he demanded i pay my debt in FULL. he listened to all the fact regarding the none repayment of my debt, i told him i was on the breadline trying to make ends meet, but he said i had knew about this debt for some time and asked me what efforts i had made to pay off this balance, this man was not very customer focused, in fact he was very abrupt and intimidating, even though he sounded very professional i do not think this is the way to conduct buisness. i can honestly say mr roberts is mean and nasty, how can this man sleep at night, robbing innocent people of a living! [/b]

rush123
21:21 16/03/06
Posts: 18

logic

Re "a few student loans - chased by Logic for one..." posted by quizical at 11:08 16/03/06 ... Hi i think the limitation act still appies. But do take asdvice .contact the national deb line or your nearest CAB. take note and if you are in the win send them the letter on here explaining the limitation act. If logic tries to harras you complain to oft and every single organsation you can think of. e- mail or write to the complaints dfeparment. you can get all details from this brilliant site. also you can ring the national debt line for advice. do not pay anything if you dont owe them any thing and you are not sure . get your facts and then act accordingly. please read the following information which will help you. But do take legal advice. [i]1.Student loan agreements are simple contracts and this gives the Student Loans Company (SLC) 6 years from the date you last paid or acknowledged the debt to go to court to enforce the agreement. There are two sorts of student loans and different rules apply depending upon when you took out the loan. Old style or ï¿½mortgageï¿½ student loans are consumer credit agreements. Payments cannot be automatically deducted from your wages. The SLC has to go to court before they can enforce the debt against you. This means that the Limitations Act can apply if you have not paid or acknowledged the debt for over 6 years. (Asking for the loan to be deferred could count as acknowledging the debt and start time running again). From September 1998 new style or ï¿½income contingentï¿½ student loans include rules to say that repayments are automatically deducted directly from your wages or through your tax return if you are self employed. This means that the SLC are still allowed to take money from your wages for a loan over 6 years old as they do not have to go to court to do so. 2 Any practice liable or intended to mislead the debtor - whether as to the origin or authority of any document or as to any other material matter is likely to be regarded as deceitful or oppressive or otherwise unfair or improper within the meaning of section 25(2)(d) of the Consumer Credit Act 1974, whether the practice is unlawful or not. 3 A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account. [b]Please note that you cannot have acknowledged the loan for that six years. 4 .Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970 5. Report them to these addresses They are: The Manager, Regulatory Services, Mottisfont Court, High Street, WINCHESTER SO23 8ZE . 6. There's also a complaint form on the Office of Fair Trading website, if they get enough complaints they'll do something about these 'people'. http://www.oft.gov.uk/Adviser/News/debt.htm Andy Lowther Office of Fair Trading 1C/015 FREEPOST London, EC4B 4AH 7. if you are getting harrased all the the time via Phone calls - log your calls and take action [/i]

quizical
11:08 16/03/06
Posts: 1

a few student loans - chased by Logic for one...

Hi I had 4 student loans - i.e. (1) 1991, (2)1992, (3) 1993, (4) 1994. I am sure others are in the same kind of position. I paid off loan 1 and was quite sure that I had paid loan 2 off too. In 2000, I was chased for loans 3 & 4 by Legal & Trade debt collection. After checking with student loans co, I came to agreement with legal & trade to pay off loans 3 & 4 by monthly instalments. This was done by 2005. No court action was ever taken. However, i am now being chased by LOGIC for loan No.2 i..e from 1992. Student loans co. do not give reasons why this was overlooked (or confused by them) when the matter was passed by them to Legal & trade in 2000. I understand limitation period of Limitation act etc but my query is: By acknowledging loans 3 & 4, am i scuppered regarding loan 2 too? Or is each loan definitely treated as a separate entity? Thanks

rachystew
11:09 03/03/06
Posts: 10

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Re "Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS" posted by rachystew1 at 10:22 01/03/06 ... Hi All, Just an update. YES I did get a letter today in my maiden name (as expected). However the letter was very poilite and informed me that they had noted my comments (this was me informing them I had complained to the OFT and had CC their letter and would be forwarding anymore of their letters on to the OFT). They have now forwarded my letter to their client (SLC) and await their response. My account is now on hold for 30 days (however reading this site I think other people have heard this before! Good news the Trading Standards are now looking into this matter for me and will be talking to CapQuest on my behalf. If I hear anymore I'll let you know. Rachystew

rachystew1 Guest
10:22 01/03/06

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Re "Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS" posted by rush123 at 20:36 27/02/06 ... Hi, Well I told you I'd let you know if I heard anything and yesterday at lunchtime good old CapQuest rung. Asking me for via my maiden name (which I have been married for over 3 yeras now). So I stated that the person of that name does not reside here anymore. In which they hung up. So I'm just waiting for letter now (probab;y in my maiden name). I have now put a formal complaint in to the OFT, as I spoke to the National Debitline yesterday about all this and they also advised me to do this. Intrestingly the lady at Nation Debtline mentioned that they have been recieve a number of similar calls about CapQuest and old student loans. So CapQuest must be going on a hunt for old loans and hoping to get lucky! Well I'll wait for the letter and see what happens next. I think I'll see the CAB office adviser next and see waht they suggests would be the next move. Best Wishes to all Rachystew

rush123
20:36 27/02/06
Posts: 18

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Re "Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS" posted by rachael.gre at 10:50 27/02/06 ... Hi You have got a Old style student loan- Dont panic this is also called a mortgage student loan and yes it falls under the limitation act. They are trying to con you. ( Make sure you have not acknokledged it yet in writing for that six year period.) if you havent its all good. Do not fall into the trap. i dont know what links The SLC has got with Capquest or logic but something is not right AND DARE I SAY?. It is DEFINATLY statuatory Barred. it is a criminal offence to mis lead people. If ANY ONE OF THESE PEOPLE ARE is misleading You. You should write a letter to the OFT- Office of fair trading, keep copies of all letters.You should make a complaint to all the bodies. Your CAB is 100 % correct . If you still got Dought ring the National Debt line on 08088084000 and 0845 7224 499.. They will say exactly what i have said and hundreds of people have said on here. They will try anything to coning you to get their money. Know Your rights. They can not take you to court. if they do . Your defence is the limitation act. You could basically sue them then for time wastiung any other loss of earnings. I would like to point out the following in bullet point so any one who gets problems will basically take this brillant forums advice. i am so happy that this forum has got something like this and a lot of innocent people who havent got any idea can got to. please follow the following pointS and take action 1.Student loan agreements are simple contracts and this gives the Student Loans Company (SLC) 6 years from the date you last paid or acknowledged the debt to go to court to enforce the agreement. There are two sorts of student loans and different rules apply depending upon when you took out the loan. Old style or ï¿½mortgageï¿½ student loans are consumer credit agreements. Payments cannot be automatically deducted from your wages. The SLC has to go to court before they can enforce the debt against you. This means that the Limitations Act can apply if you have not paid or acknowledged the debt for over 6 years. (Asking for the loan to be deferred could count as acknowledging the debt and start time running again). From September 1998 new style or ï¿½income contingentï¿½ student loans include rules to say that repayments are automatically deducted directly from your wages or through your tax return if you are self employed. This means that the SLC are still allowed to take money from your wages for a loan over 6 years old as they do not have to go to court to do so. 2 Any practice liable or intended to mislead the debtor - whether as to the origin or authority of any document or as to any other material matter is likely to be regarded as deceitful or oppressive or otherwise unfair or improper within the meaning of section 25(2)(d) of the Consumer Credit Act 1974, whether the practice is unlawful or not. 3 A debt is considered Statute Barred if a creditor has not contacted a debtor for a period of 6 years and no action has been taken on the account. [b]Please note that you cannot have acknowledged the loan for that six years. 4 .Although the debt is still legally acknowledged as being owed, the creditor is not able to take any legal action against the debtor in order to recover the debt. It is considered unfair if a creditor or debt collector misleads the debtor into believing the debt is still legally recoverable. It is also considered an unfair practice if the creditor or debt collector press for payment after the debtor has stated they will not be paying the money owed. This could amount to harassment contrary to Section 40(1) of the Administration of Justice Act 1970 5. Report them to these addresses They are: The Manager, Regulatory Services, Mottisfont Court, High Street, WINCHESTER SO23 8ZE . 6. There's also a complaint form on the Office of Fair Trading website, if they get enough complaints they'll do something about these 'people'. http://www.oft.gov.uk/Adviser/News/debt.htm Andy Lowther Office of Fair Trading 1C/015 FREEPOST London, EC4B 4AH 7. if you are getting harrased all the the time via Phone calls - log your calls and take action 8 If you getting harrsed at the door by these low paid or may i say commision based staff who work for these cowboys - do nothing just call the police- They are acting illeagally.they dont have a leg to stand on then. 9.Finally DO NOT WORRY OR GET SCARED . THE LAW AND THE COURT IS YOUR DEFENCE . THEY CANT DO NOTHING - THEY ARE JUST TRYING THEIR LUCK ON INNOCENT PEOPLE.[/b] Thank you any replies would be welcome.

rachael.gre Guest
10:50 27/02/06

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Re "Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS" posted by rush123 at 19:55 23/02/06 ... Dear All, I wrote a while ago. I had a letter demanding money from Capquest then the SLC for a loan I took out in 1994 and have heard nothing from SLC or paid any money in that time. I wrote a similar letter to the one on this link (The Citizens Advice Bureau helped).I too paniced and set up a Direct Debit but was told by the CAB office to cancel it. The CAB oofice also ststed that "verbal confirmation" of the loan is not admissable evidence and can not be used to take ownership of the loan. Since the letter was sent Capquest wrote to me to say and I quote " Please be advised that because Student Loans are publicly funded they are still repayable and are not subject to ststute barring" .I took this letter to the Citizen's Advice and they told me that there Specialist Support Unit have very rarely been wrong and they believe that the loan is statute barred (as pointed out several time on this site, and frankly I'm more inclined to believe this site and the CAB office rather that CapQuest. The CAB office composed a letter to SLC with a copy of Capquest response (as SLC has not responed in anyway). The letter is as follows and was sent on 14.02.06: Dear Sirs, I wrote to you on 30.01.06 but have not had a reply. I have, however herad from CaoQuest (see copy of the letter dated 01.02.06). In my letter of 30.01.06 I indicated that the recovery of the 1994 Student Loan was ststute barred. This statement was based on advise given to me by my local Citizen's Advise Bureau and their Specialist Support Unit. You will see thta CapQuest indicate that publicly funded loans are not subject to the Statute of Limitations. Either they are correct or the Citizen's Advice Bureau is correct. Would you please (as the Lending Body) tell me by what exception or auyhority student loans are exempt from the Limitation Act. I look forward to hearing from you but in the meantime and believing the CAB's advice to be correct, I have cancelled the Direct Debit arrangement w.e.f. 30.01.06. Yours sincerely Since then its gone very quiet from both CapQuest and SLC. I must confess everytime the post comes or the phone rings I am expecting it to be one of them. But until I hear from SLC about the Limitation Act I am doing nothing as the CAB office also want to know what's happening as they need to know if the Spealist Support Unit are wrong. If I hear anything I'll keep you all posted. Regards RachyStew

Harrassed
21:17 23/02/06
Posts: 134

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

I think youi're wasting everyone's time here. READ THE THREAD. If you still don't understand, seek legal advice.

rush123
19:55 23/02/06
Posts: 18

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Re "Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS" posted by Harrassed at 16:20 23/02/06 ... I Last edited by rush123 on 22:17 27/02/06; edited 1 time in total

Harrassed
16:20 23/02/06
Posts: 134

Re: LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Yes, all the information is correct and yes, you can send that letter. Try reading the whole thread, this information has already been given. The link below for further information. http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=25_liability_for_debts_and_the_limitation_act

rush123
15:46 23/02/06
Posts: 18

LOGIC GROUP AFTER A LOAN WHICH IS VERY OLD-OVER 10 YEARS

Re "" posted by Harrassed at 13:34 23/02/06 ... Hi please give me advice I have not ever seen a company operate in a matter so un lawfully. I really symphatise any one who comes into contact with these Arrogant and rude threatning people. If you do get threatning messages like this report them to the poice as they are breaking the law . Do not be afraid of these peolpe as they will try to push you over and put you so weak. I DO NEED YOUR ADVICE.I TOOK A STUDENT LOAN OUT IN 1995- 96. I HAVE NOT PAID OR CONTACTED THE STUDENTS LOAN COMPANY SINCE THEN AS I WAS NOT EARNING ENOUGH TO PAY THEM BACK. ITS BEEN ELEVEN YEARS NOW AND THERE HAS BEEN NO COMMUNICATION FROM ME OR THE STUDENTS LOANS COMPANY. tHEY HAVE NOW PASSED ME TO LOGIC TO DEAL FOR THEM.I HAVE NOT AKNOWLEDGED THIS LOAN FOR 11 YEAR AND STILL HAVE NOT. ACCORDING TO THE LIMITATION ACT 1980 SECTION 5 DO I HAVE TO PAY THIS BACK. IS IT TRUE THAT AN ACTION FOUNDED ON SIMPLE CONTRACT CAN NOT BE BROUGHT AFTER EXPIRATION OF SIX YEARS IN WHICH THE CAUSE OF ACTION OCCRUED. is this information correct as these idiots Logic are trying to take me to court and harrasing me constantly. please help jason CAN I SEND THEM THIS LETTER- WHAT DO YOU THINK. WITHOUT PREJUDICE Dear Sir/Madam Re: Account No/Reference No: No debt is acknowledged to you. You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5 ï¿½an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.ï¿½. The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed. Any such action WILL be defended and challenged on the above grounds. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. If you do not supply such confirmation, I will be making a complaint to the statutory authorities. I look forward to your reply. Yours faithfully (Your signature)

rush123
15:29 23/02/06
Posts: 18

LOGIC GROUP PLC

Hi please give me advice I have not ever seen a company operate in a matter so un lawfully. I really symphatise any one who comes into contact with these Arrogant and rude threatning people. If you do get threatning messages like this report them to the poice as they are breaking the law . Do not be afraid of these peolpe as they will try to push you over and put you so weak. I DO NEED YOUR ADVICE.I TOOK A STUDENT LOAN OUT IN 1995- 96. I HAVE NOT PAID OR CONTACTED THE STUDENTS LOAN COMPANY SINCE THEN AS I WAS NOT EARNING ENOUGH TO PAY THEM BACK. ITS BEEN ELEVEN YEARS NOW AND THERE HAS BEEN NO COMMUNICATION FROM ME OR THE STUDENTS LOANS COMPANY. tHEY HAVE NOW PASSED ME TO LOGIC TO DEAL FOR THEM.I HAVE NOT AKNOWLEDGED THIS LOAN FOR 11 YEAR AND STILL HAVE NOT. ACCORDING TO THE LIMITATION ACT 1980 SECTION 5 DO I HAVE TO PAY THIS BACK. IS IT TRUE THAT AN ACTION FOUNDED ON SIMPLE CONTRACT CAN NOT BE BROUGHT AFTER EXPIRATION OF SIX YEARS IN WHICH THE CAUSE OF ACTION OCCRUED. is this information correct as these idiots Logic are trying to take me to court and harrasing me constantly. please help jason

Guest
14:37 16/02/06

Re: Help

Re "Help" posted by Flame Television at 15:04 25/01/06 ... hi i have been living in my flat now for 6 months, received a letter last week from logic threatening to send a debt collector round to collect on a student loan taken owed by somebody ive never heard of who couldnt have lived in my flat for at least 3years prior to my buying it, since i knew the previous owners. logic continue to leave aggressive messages on my answering machine, despite my having rang them and explained the situation. they request that i send a copy of my tenancy agreement if they are to stop calling. i dont trust them and dont know whether to do so, since surely it is their responsibility to track dow the people who owe them. what to do?!

Guest
18:05 13/02/06

Re: logic group

Re "logic group" posted by cheekychops at 12:00 20/08/05 ... Post removed by Moderator. I have reviewed the post you quoted and found no inappropriate language, indeed if the facts are correct then it is a valid critisism of Logic. Given that I have been able to satisfy myself of the complete inaccuracy of your allegations re the quoted post, I have removed your post entirely.

confused?! Guest
14:14 12/02/06



Re "" posted by bigdog at 16:37 01/02/06 ... I am about to go for an interview with this company and I am concerned about what I have just read! What position did you haold here and I am guessing you would recommend against working for them, especially at management level?!

vikki Guest
17:20 01/02/06

BAD SERVICE?

Re "" posted by bigdog at 16:37 01/02/06 ... BAD SERVICE Have you recently been on the end of absolutely terrible customer service? Have you been: ï¿½ Manipulated and pressurised by call centre staff? ï¿½ on the end of stroppy assistants in a designer clothes shop? ï¿½ had your summer holiday ruined? Experienced awful service: ï¿½ in hospital? ï¿½ with your bank manager? ï¿½ in your local supermarket? ï¿½ in a restaurant? And is it ruining your life? We are making a new series for BBC1 about bad service and are looking for people to share their stories. Our customer service guru will challenge the bad service culprits on your behalf and work with you to make sure it never happens again. We need you to share your stories. Please email [email protected] or phone 0117 985 8750.

bigdog Guest
16:37 01/02/06



I am an ex employee of the Logic group and i must say i have never come accross a more unprofessional disorganised company in my life. They run an automatic dialler system which leaves automated messages on peoples answer machines asking them to call collectors like Michael Knight, Mary White etc. These people do not work for the company and never have done, which is why if you call back to ask for them you are advised that they aren't in the office at the moment or that they are on another call. They also send out letters signed in the name of these people which surely must be illegal?! They also send out letters in the name of a Mr A Whitelaw who hasn't worked at logic for over a year. The majority of the collectors are really nice, down to earth people and not at all like some people in previous messages on this site have made them sound like but the management are a joke and pressure the collectors into being nasty with people on the phone. I was only employed with the company a matter of months but in my time there i saw enough to convince me that the logic group plc are the most unprofessional company to either work for or be harrassed by. If anyone has any more questions regarding this outfit feel free to ask me any questions and i will try to respond as quickly and honestly as i can.

Flame Television
15:04 25/01/06
Posts: 6

Help

Re "" posted by Maz74 at 9:59 24/01/06 ... Hello, I think I might be able to help, give me a call on 0207 713 6868 and ask for Jamie. thanks Jamie

warweezil Site Admin
10:06 24/01/06
Posts: 277

)870 numbers

Re "" posted by Maz74 at 9:59 24/01/06 ... You might like to spread this number around by posting it at http://www.saynoto0870.co.uk/ its a handy resource that I always use before calling any company that has an 087XX number

Maz74 Guest
9:59 24/01/06



Hi - am having huge problems with Logic, they keep trying to get hold of me on my parents phone no. Leaving a message with no reference and then not being able to find any trace of me (either at my parents address or any address I've had since I left home) when I call back. Always immensely patronizing and arrogant when you call them - someone hung up on me this morning and I hadn't even got to the slightly raised voice stage!! Given that I've paid off my student loan, have never had a catologue account and there are no overdue debts on my credit file (I've checked!) can anyone suggest why they are after me? I'm getting really concerned and more then a little angry that they keep hassling my (elderly) parents trying to get hold of me but won't even tell me why. They won't even tell me what business they are in when I call - it's only by doing a bit of digging that I've been able to find this much out... by the way don't call them on their 0870 number, call them on 01506 473800 and ask for extension 1136, that will take you through to one of their advisors (the snotty one I spoke to today) at standard rates rather then the rip-off 0870 price. Alternatively ring between 5-7pm when they are usually busiest and leave a message so they have to call you back.... Any other advice anyone can give me would be much appreciated....

thedude Guest
16:26 22/12/05



By OFT guidelines everybody should be aware that when offering a payment towards a registered debt, you have to be able to back your offer with an up to date financial statement so they can look at this in a realistic and positive manner. The full balance will be asked for as the debt has gone passed installment stage initially but everybody needs to explain their financial situation so that the debt can be cleared. just a tip!

halewoodlad Guest
20:58 01/12/05

logic group

Re "" posted by Bigbadjohn36 at 2:21 04/11/05 ... these idiots are trying to take me to court for a bill i dont owe and i have proof that the bill was paid these people are geeks who where picked on in school what a sad lot

Bigbadjohn36 Guest
2:21 04/11/05



[color=indigo]Yes u guessed it too am having alot of problems with Logic,it seems to me like most people who have bothered to comment that they don't give a damn about people or their feelings and reading all these comments has given me new hope and i just want to say thank you and will be calling various people tomorrow to get advice..once again thank you everyone on here,,,will come back and let u know the outcome...John[/color]

chris999 Guest
13:42 24/10/05

Logic Group Made my friend cry.

Big tough company Logic Group. I got a tearful call from my friend today who had missed about 3 or 4 payments to Logic. I must admit she is a little scatty. This bloke calls her up regarding her student loan repayment, telling her she has defaulted and now THIS IS IT, Logic will take her to court and seize her bank account and sent the bailiffs round take her TV, DVD Etc. There is nothing she can do this is the action unless she pays the total now (ï¿½4000). She is the sort of girl who cries if someone shouts too loud and they have taken advantage of this. Logic know she is a single mum on benefits and yet they pursue this hardline approach, which is really pathetic. She has not received a letter from them regarding this default as of yet. Any Advice from anyone please? I am not legally minded and neither is my friend. I am an ex welsh guardsman and I know what course of action I would like to take on the muppet who called her.

jodeci
11:12 21/10/05
Posts: 1

HELP!!!

In late August 2002 I placed an order with Look Again/Grattan Due to their bossy insistance I had to pay in monthly installmants rather than a one off which I initially requested. After my goods arrived it was over two months 2 months before I received any statements or invoices. When I did, I found I had all 3 missing statements at once, the matter had been passed to their debt recovery department demanding I paythe full amount and late-payment interest, when I disputed this is issue they would not listen or accept normal payments which I willing to make. I paid the full balance by November just to get rid of them and the rude staff. Later it came to light they had given me bad a bad credit reference as a DEFAULT on my credit check, over the ï¿½215! This is still on my credit check and has gone against me on Mortgage application this week! How can I clear it? This is the only issue I have against my credit rating, have never been in debt or late with any other payments PLEASE HELP

melgar2 Guest
15:44 13/10/05

Re: logic group

Re "logic group" posted by cheekychops at 12:00 20/08/05 ... WE CAN SEVERLEY DISRUPT THEIR BUSINESS LEGALLY - See below Complete Idiots I have a student loan with the Jobbies at the Livingston Office.. I was repaying 25quid a month then they called me and said this was not acceptable and that they never agreed with it in the first place (I had been paying this ammount for 6 months at their request). They said pay 70 quid a month or they will take me to court ....I said no i cannot afford that amount and week later they called me back and said they had made a mistake at that they had remembered the agreement i had with them to pay 25 quid.. 30 minutes later they rang again and said this was wrong and that if i didnt start paying 70quid immediately....blah blah blah threat threat threat etc. I said No again. An hour i called to complain and they chap on the Phone A Mr Barnes (Complete wally with an anoyying nasally voice) had the cheek to say that quote "Can i be honest with you if we dont get an increase to 30 quid a month we could lose this account and it will be given back to Student Loans (Like I should shed a tear for this pr**k) I Said No again and then his muppet of a boss "I am MR Smith" (the name conjures up illicit visits to a travelodge on a friday afternoon with some ropey old...anyway you get the picture) told me pay 7o quid a month end of story.............. To a very long story short if you have a problem with these guys speak to the CREDIT SERVICES ASSOCIATION 0191 2865656 ALSO ask for a Mr Stuart Liddle at the Livingston Office he is charge of these 4 quid an hour Call centre Monkey's Give him a RIGHT EARFUL everyday for 5 mins that will stuff his dayif we get enough people sticking it to these tossers CALL STUART LIDDLE ON 01506 473 800 TELL SWITCHBOARD ITS A PERSONAL CALL THEN YOU WILL BE PUT THROUGH AND YOU CAN GIVE THESE BLOODY COWBOYS AN EARFUL

cheekychops Guest
12:00 20/08/05

logic group

I have recently been dealing with Logic group plc. They are a bunch of cowboys who do not even know the rules and laws that govern their line of work. I was being chased for a student loan from 10 years ago. I had spoken to the student loan company who confirmed the amount of the loan but mysteriously ï¿½400 extra charges appeared with Logic. I contacted one of ther call advisors and had a lengthy discussion regards this matter, a few days later a final demand came through for the whole amount including the extra charges. I sent a document to Logic Group challenging their right to chase the loan as it had been more than 5 years since any contact with the student loans company and under the prescription and limitation act the debt could no longer be recovered through a court. No reply came. I then had a series of left messages on my answering machine. I contacted the copany to be told that they had received the letter, which the call advisor read to me. Letter also stated that I disputed the charge. Company refused to acknowledge the dispute (which is against the law), advised them it was against OFT guidance for debt collection, advisor told me this was not the case and tried to argue the point even after I told him I had sought legal advice from a solictor, CAB and the national debt helpline. Advisor was extremely unhelpful. Asked to speak to a manager, advised none avaiable (surprise). Left matter at that but wanted a written acknowledgement to letter. None came. Yet another reminder came through the door saying I had made no contact with the company. Another letter came threatening me with a debt collector. Btw, only people who can recover property is a bailliff through the courts. Contacted company yet again to be told that they had never received letter disputing charges, which i told them was rubbish as original call advisor had read the letter to me. Told them I dd not want any more contact over the phone, only by letter, which they told me they could not do (obviously they are not operating in a legitimate manner and dd not want anyone to have any evidence in a court) Demanded to speak to manager, told none available, told them I didnt care about excuses and demanded again to speak to manager. Advisor finally came back and told me they were going to write off debt after speaking to a manager (obviously because they could not enforce it as they had no legal standing), but all the way trough this I was never given the opportunity to speak to somebody in authority. My advice is before you deal with logic, seek legal advice and find out exactly where you stand and do not tolerate their bullying tactics. Always ask for written correspondence from companies like these as they will try any dirty trick possible. If you need any advice or help straight away there is the national debt helpline, best time to call is when coronation street, eastenders etc is on telly as that is their quietest times.

jonathan.cook
18:59 23/07/05
Posts: 1

Debt Collectors

Hi, I have been contacted recently by a debt collector regarding a car i had on finace about 5 years ago. I wont go into great detail, but it was company called welcome finace with the 43.7% rate, The vehicle was sold to me and ceased to work within a month, the engine went , i had it in the garage 4 times in 2 weeks to repair parts of the vehicle.I had the AA out 2 times to recover me home, the AA man informed the vehicle was a pig in the poke and i had been ripped off, Anyway with all this going on with the first few weeks of purchasing the car i sent numerous letters to welcome finace explaining i want to cancel the agreement because the car wont last anther week, due to the major problems witht the engine....eventually after much contact with welcome finace i received a letter stating that they will arrange to collect the car and the agreement will be cancelled, it took them 4 months to collect the car from my home address, and that was the last i heard from them...Now i have this debt collecting company demanding 3000 pound....I have told the debt collectors to get stuffed and they are not going to get a penny out of me, and if they want to take it further send me a court date.....Im just wandering where i stand on the matter...please can some give me some advice to deal with this matter...many thanks

pondlifer Guest
17:25 09/06/05



Re "" posted by randythealtitudeburn at 11:29 11/03/05 ... In england there is something called statute bar, which means that if a creditor fails to contact you for over six years for a unsecured debt - they have to let it go. They therefore cannot enforce in a court of law the debt, it is unrecoverable - but check your dates and ensure that you are on a correct footing before threatening these hogs - they're smart arses but are not fully aware of the Law

pondlifer Guest
17:24 09/06/05



Re "" posted by randythealtitudeburn at 11:29 11/03/05 ... In england there is something called statute bar, which means that if a creditor fails to contact you for over six years for a unsecured debt - they have to let it go. They therefore cannot enforce in a court of law the debt, it is unrecoverable - but check your dates and ensure that you are on a correct footing before threatening these hogs - they're smart arses but are not fully aware of the Law

pondlifer Guest
17:24 09/06/05



Re "" posted by randythealtitudeburn at 11:29 11/03/05 ... In england there is something called statute bar, which means that if a creditor fails to contact you for over six years for a unsecured debt - they have to let it go. They therefore cannot enforce in a court of law the debt, it is unrecoverable - but check your dates and ensure that you are on a correct footing before threatening these hogs - they're smart arses but are not fully aware of the Law

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