Hi, my wife has started to get letters regarding an old bank account with lloyds. They have never made any contact before and the amount is nominal. They are threatening to apply for an enforcement on our home. Can they still do this if the mortgage is in joint names with her father? I was wondering if there are any suggestions that can be made with where to start with these cretins? Many thanks

does anybody have an e-mail address for iQor please?

Hi my wife has just also had a letter from this gpb, she had an old bank account that went into default due to severe finical difficulties. It was passed onto several dca's but because I requested statements ect they backed off. Wescott had a stab at it provided me with some statements but they just looked as though they had been typed up on a word document, so I pushed back and they gave up. She has now had the above chasing her. The statements that were sent I started to tally up all of the bank charges they had hit her with over the last couple of years and it is more than what they are chasing her for. I was thinking of taking the angle of claiming the charges back which would therefore but them on the backfoot again. Any advice would be great, they are syaing that they will take it to court in 7days unless payment is received, threats as usual. Thanks Jules

Hi Iam needing two things if anybody can help me? Firstly Iam needing a no access letter for unwanted door step visits and secondly i need to know if anybody has an e-mail address for Iqor debt colectors. These muppets have taken over an alleged debt because wescott couldn't deal with me!!!! ty Julie

I sent a cca letter on the 4th June and they have just ignored it and have wrote back to her saying that she has 72 hours to pay the alledged money owed. I don't see why I should waste my postage costs on these idiots. So if anybody has an e-mail address could you please let me know asap. many thanks

Does anybody have an e-mail address for these cowboys, they are constantly hassling my wife, I sent a CCA

Hi do you think that I should make them work a bit more by providing all statement of accounts and payments first? That was I will definatley no 100% that it it older than the 6 years??

It was sent in writing to them. Is it true that MBNA have gone bust??

Hi Just found out that they did not accpept the offer from my parents, infact they declined it. I have not paid anything for at least 6yrs.

Thank you, Iam going to check with my dad, as he was the one that wrote to them. He offered them £5 per month but Im not sure if they even took him up on the offer. I will get back to you asap. thanks again

I will need to dig out the relevant paperwork. If the last payment was after 6 yrs can they still pursue me even though I have not personally acknowledged the debt? thank you

I will need to dig out the relevant paperwork. If it is older than 6 years can they still say that I have accepted the debt, even though my parents wrote to them not me? Thank you for your quick responses

It was from 2004, and it was for a credit card than a x ran up in my name.

Hi can anybody helpme with a question? I have just found out that my parents(in thier wisdom) have wrote to a company on my behalf (even though I did not know) and offered them a token monthly payment. Does this mean that they have now or can this be classed as me acknowleding the debt? ty J

Hi Iam trying to locate an e-mail address for a company that works on behalf of creation. The are called west midlands debt ltd. My wife is being hassled about a debt of around 7 years agao. Ideally I could do with an e-mail address as I refuse to even spend the price of postage on these people. Any help would be great as they are threatening her with door step collections of which they have no right. thanks Julie