Jump to content

coffeesupper

Registered Users

Change your profile picture
  • Posts

    27
  • Joined

  • Last visited

Reputation

1 Neutral

1 Follower

  1. Thanks for replying, i agree it would help her to go and sit and talk to someone, who she can authorise to act on her behalf as she feels unable to communicate direct with the bank herself (an old school friend works thier & she is embarresed about her whole situation). I don't live in the same town so am limited as to what i can do, she is about to be rehoused with a housing place in the next few weeks, at the mo she has a room in a friends house. her benefit is paid by giro, so nothing since she stopped working is getting paid into the account.
  2. Well i have an update on my situation....... Letter dated 18th march arrived yesterday from my old friends MBNA!! similar wording to last letter from them..... Under section 7 of the Data Protection Act 1998 as per my request for statement information. They say they have provided this free of charge on this occasion which is what they said on the last letter but they have actually returned my postal order this time:D . Signed by Rachel Claridge (Vice President) They have included more information than the last letter, which only showed charges, this has it all. Credit Insurance Fee's keep popping up throughout it and i think this is PPI (i was on benefits when i got the card) what should be my next move? Also Equidebt have now gone over the 12+2 days and i haven't heard from them other than they'd requested my Credit Agreement from MBNA, so should i let sleeping dogs lie? Thankyou folkes for any help you can give me. Have a great weekend
  3. Just to 'bump' this thread up, can anyone advise on what she should do next? i will be seeing her over the easter weekend and hope i can give her some info of some sort. Thanks.
  4. Hello, thanks for replying, her account is still open (she thinks) although not been used since Aug 2007 when she lost her job and stopped getting wages paid in. The letter from SC&M is dated 4th March 2008 I have debts of my own but she really needs to get something done, i know how it 'eats' away at you and she has enough on her plate, she's only 20 and got her-self into a mess! Thanks.
  5. I recently joined and with help from here have started the process of dealing with my finances, debts etc......anyway....... Mentioned to my friend about this site & she has given me these details hasn't told any1, she was embarressed. She has ignored letters but realises in her stressfull condition she must do something (she is expecting, in May) about to become a single parent. I hope some of u good folk can guide her (via me) through the mess she is in with Lloydtsb, i have all her letters now, she knows things can't get any worse and a problem shared is a problem halved. She got a phone contract, had a Direct Debit set up from her Lloydtsb account to pay it, whilest she was working it got paid regular, monthly, she didn't realise that with the contract she got 3 months free phone insurance at £5.99, turns out you had to cancel it, she called to cancel after she noticed it, and was told it would be cancelled. She lost her job and inclusive accomodation, still had the contract, but no way of paying, so eventually the contract got cancelled. The bank account was then not used. Trouble is the £5.99 insurance a month was still an active Direct debit, her post still went to old work accomodation and she didn't get her post for a few months. The active DD was still being requested, and L-tsb paid it upon each request. They'd sent her a letter, saying they had made the payments so the account had now gone overdrawn, she had no money at all going into the account. Because the bank paid out the £5.99 and made her overdrawn they of course were now going to charge her. So this went on for a while, without her seeing the statements/letters, the insurance had not been cancelled. When she did get her post she didn't contact the bank, and still didn't realise the insurance was causing all the charges to mount up. She didn't ring the bank. So i have now looked through her paperwork. the letters from the bank now tell her the charges and as it stands (last statement) they say she owes the bank £637.51, the Jan statement said £468.15, and the new amount is dated begining of March, so you can see how this is mounting up. She is on benefits, no permenant fixed abode (yet) and in a mess. Last letter is from Sechiari,Clark & Mitchell solicitors, giving her 7 days to pay, or court issues may be issued against her. As you can see she desperately needs some help, would appriciate any advice, thankyou.
  6. Thanks Steven, i'll wait to see what happens next then!
  7. Hello, Just got in post waiting for me from Equidebt with regards to CCA : Confirming my letter and £1 payment. '' A request has been placed with our vendor for a copy of the Consumer Credit Act document'' the account has now been placed on hold until this matter has been resolved, no further collection activity will occur untill this matter is resolved. So they have bought the debt without all the details it seems ( typical from reading various threads on here!), do they still have 12+2 days from my request to come up with a valid credit agreement? Thanks for any answers;)
  8. Hi, sorry for the delay (housework!!) erm no way of knowing, they just gave me a printed A4 sheet with the dates/amounts they charged me, that's all. The debt was sold as soon as i started asking questions, which is why i think it's a duff non enforceable account? should i write another S.A.R telling them to use postal order they already have?
  9. Just bumping this, i don't know what to do next, it's not a statement by any stretch of the imagination i need to know if they had me paying for PPI as i suspect i was. Thankyou!
  10. MBNA sent me this today dated 05th March: Thankyou for contacting us. Your subject access request has been passed to me to respond to. Under section 7 of the Data Protection Act 1998 as per your request for statement information, please find this information enclosed. We have provided this information to you free of charge on this occasion. signed Rachel Claridge, Assistant Vice president Well all i have is a sheet of paper, my surname and account numb, they have just printed the late fee charges a few at £25. before it had to be reduced to £12, totals £242, in charges. Shows a few adjustments where they charged me, and no doubt under duress and being hassled i have paid so they show has being credited back. So what next, they haven't returned my £10 postal order, this seems to be a crap excuse for a full list of statements etc............is this normal? Whats my next move? Thanks for any advice you can give me.
  11. Any advice for 11 & 12 above?
  12. Do you think Equidebt are just trying to scare me?? Recently had a call, number retained asking for the home owner, very abrupt and slammed phone down when i said it was a rented place, i think someone's checking me out??
  13. How did you deal with them? Were you able to get rid? I would have panicked with out this site helping, i am trying to deal with various debts (from stupid charges etc) without hassle for my partner, he is on medication for depression, if he see's this letter threatening a doorstep call he won't cope right now, even though this is in my name.
  14. Well, as above Equidebt signed for thier CCa on 4th March. Just received letter off them dated 5th March as follows: Creditor -Equidebt Ltd Previous creditor - MBNA Europe bank Ltd account - blah blah blah Balance - blah blah blah reference - blah blah blah DEFAULT NOTICE IMPORTANT PLEASE READ This notice served under the terms of the consumer credit act 1974. according to our records you have defaulted on the following payment(s) which are detailed below: Current arrears amount:£**** Date due for payment : 19th March 2008 Important i call blah blah........I have 14 days from this default Notice to clear the full outstanding arrears to prevent a default being recorded against my credit file. Sorry to go on, can't scan letter so wanted to include it all (including the caps) i wasn't shouting! So are they playing dirty now they've received my CCA request, and i don't get the arrears amount they say i defaulted on as it says they are due 19th march?????? Look forward to some opinions on this one???????????Thanks.
×
×
  • Create New...