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oldgirl

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  1. No I didn't dx, this was meant to be a new thread, I have no idea how I managed to merge it with an old thread, my main concern is the latest carry on with AL.
  2. Any advice would be much appreciated please, will keep it as brief as possible. On 24/10/2016 I received a notice of assignation from Bcard, in the same envelope a letter from AL saying that they would be servicing my account on behalf of BC, I had made no payments for over a year. I sent a CCA straight away to AL (should have been BC I realise now), on 30/11/16 had letter from AL saying that they had purchased debt on 30/9/16 and would have to request said documentation from BC. On 2/5/17 I received from Barclaycard via AL a letter stating that they were sending me a reconstituted copy of my agreement, this consists of a blank sheet of paper with the address which I took the BC out on in July 2002, the agreement states in a small box that it is a credit card agreement between me & BC, with my new address of past 9 years. There is also a copy of terms and conditions, no signature anywhere from either myself or BC, also looking at my credit file my account was defaulted on 27/8/2015 by Asset Link not Barclaycard, even though AL did not buy it until 30/9/16, how can this be? Latest is I received a SOA on 26th June stating that the full amount is due and for me to contact them to discuss it (I wont be) also the £1 postal order for the CCA was credited to my account. I'm so confused, hubby is very, very ill and I can do without this. I'll leave it at this for now but will answer any questions, thank you for reading. Amount is for £5,010. Not sure how this has ended up on one of my old threads, would some kind person be able to move it for me please.
  3. Still receiving letters from Shoosmiths, latest one threatening court action (by our client), usual expenditure sheet. All of which will be ignored, do these people never give up, not worrying, nothing to give them, no assets and hubby very ill. Thanks for listening folks.
  4. We recently applied for this, hubby received his new tax code & a cheque for £212 for tax year 2015/16, nothing as yet for tax year 2016/17. Applied online for both lots backdated, so we'll see wether we receive the £220 or not.
  5. No hassle from Santander, we had a DMP for all our creditors with Stepchange, they were extremely helpful & arranged payments with all our creditors. After about 6 months we decided to administer the DMP ourselves, just carried on with arranged payments, no interest added by Santander, we owed them £2600 now down to £1800.
  6. Good morning worried man, you've come to the right place for help, hubby & myself have a lot of debt (way more than you), we also have an od with Santander so had to open another account, we opened a Cashminder account with the Co-op bank, it's especially for people with poor credit & we had no problem at all opening it, we did it online, hope this helps.
  7. We had a DMP with StepChange, they were very helpful & free, decided to self manage it ourselves, all we did was informed SC that we would be doing it ourselves, then we simply carried on paying the same payments to our creditors as we had been paying via SC. No problems at all apart from a couple which had been passed to debt collectors, they tried to get more from us without success, we just took good advice for dx to set the payment we wanted to pay, not what they wanted.
  8. Go onto your account, into manage devices, you should see the title & are given a choice of actions to take , one of which is return item, hope this helps
  9. To every one of those brave men and women who have died for us, a very big thank you.
  10. Thanks very much everyone, good sound advice.
  11. Thank you citizenB, have just posted a letter off to them.
  12. Many thanks for the advice: dx, no i have not got round to sending cca requests yet, the letter says: Regarding: Capital One Bank (Europe) & refers to them as 'our client' in the letter. citizenB: the outstanding debt is for £861.40, yes good advice about the amount being acceptable to Capone through Stepchange, this is what i will put in the letter that I'm about to write. Thanks again, much appreciated.
  13. Just a quick question please folks, have received an income & expenditure form from, Credit Solutions of Purley, Surrey, am i legally obliged to fill this in and send it back to them. We had a DMP with Stepchange but decided to self manage, all ok apart from Capital One who have passed my account on to CS, they are trying to squeeze more than the £5.79 a month as decided by Stepchange out of me. I'm tempted to knock it down to £1, what would be the outcome if i did, anyone any advice please?
  14. Sorry it's taken me so long to post this list, here it is in all its awful glory: Aqua credit card, £1200, hubby Capital One cc, £3570, hubby Halifax cc, £9000, hubby (the one we are most worried about) Very mail order, £1700. The rest are mine below: Barclaycard £4600 Capital One cc £750 Kandco £1000 Next £350 Opus cc £548 Then we have a joint overdraft of £2600 with the Santander, our pensions at the end of December will be paid into our new Coop cashminder account. We've sent off the forms to StepChange for our DMP but see on here that people have done their own and we are wondering wether to go down that route, it's like walking through treacle wondering what to do for the best. We know that Halifax are going to be a pain, have read on here how nasty they can be, poor old hubby is not in good health and he is worrying more than me, I suppose I'm a bit more hard faced but I hate seeing him worrying, thanks for reading and the advice already given.
  15. Really pleased for you Kaz, enjoy Xmas with your family & I hope that 2015 brings you all that you deserve, you're a good person Kaz and deserve to be happy xx
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