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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Hook Recordings

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  1. Hook Recordings
    Will do mate. Thanks to you both . Its such a help to have this forum to turn to for good and practical advice . Will get the letter off in Fridays post.
  2. Hook Recordings
    Hello citizen b , i remember you helped me out with some good advice before. I just assumed The DWP would send me a letter now they have my current Address. Despite my explicit , unambiguous comments to the Lady at the DWP that i will be throwing all debt collection agency letters in the bin, im sure they will still send me some. I will take both your and fkofillee's advice and get a letter off to the dwp before the weekend. thanks for your help once again. I feel a lot better now.
  3. Hook Recordings
    Hello fkofilee, Thanks for listening to my endless droning !!.I detest dealing with this sort of thing on my own. Shall i wait until I receive a letter from The DWP, now that Particular Department has my correct address, and then write to them with my £5 offer by direct debit/Cheque?. Or shall i just write to them Today with my offer and pop it in the post tomorrow . I dont want our letters to cross in the post if i do that ?.
  4. Hook Recordings
    Morning Everyone, This Forum has helped me on a previous a Previous occasion and i was hoping for further advice on a new problem. Ive been contacted via mobile text from a company called CCS. Upon searching , I Discovered that they are a debt collection agency for the DWP. I Called The DWP debt dept this morning and asked them if I owed them funds. I was informed that I had indeed taken out a social fund loan of £250 out in 2008. I had just left a spell in rehab and had forgotten all about it. I did'nt claim benefit until July 2013 Until Nov 2013, J.S.A, so no repayments toward the social fund loan were taken until then. I have gone through my letters this morning, and found that i had being paying the DWP back at £2.96 per week for this JSA period. No payments have been made since Nov 2013 , the last time i received Benefit. I am not on benefits and not in paid work, living at home with my partner, Which i informed the DWP of this morning.The DWP debt department have been sending their letters to my old address for the last 2 years.I have given them my current Address tHis morning.Although i have received other documentation i.e pension statements from them at my current address, The Lady at the DWP informed me that the debt has been passed to CCS, and they cannot deal with me directly. I informed the DWP that i will not be dealing or responding to the CCS debt collection agency in any way shape or form , and i will throw away any letters that i recieve from them. I will only deal directly with the DWP. The DWP Lady said she will e mail CCS with the conversation we have had telling them that i will ignore all their letters. Can anyone advise my of my next step , im willing to pay the approx £200 back at £5 per month either by direct debit or cheque/payment card. Sorry for going on and on. Hope to get some advice to ease my nerves. thanks. xx:|
  5. Hook Recordings
    I think i took the marbles card out early in the 2000's dx , when i was working in the city and was earning , before i ended up in rehab. all those debts i mentioned are Credit card debts from the same period , early 2000's .i destroyed them all in 2005 and have never had a card since then.
  6. Hook Recordings
    i feel a right mug dx, but as i say i was off the rails big time after thE divorce and rehab spells , and have only recently got myself settled down again in the last couple of years,i just allowed my self to get bullied BY These constant letters so i arranged to pay them all at £5 per month when i got out of rehab to stop the mental stress of the letters. ive got 4 debts , 2 with AKtiv kapital, one with Lowell and this one with connaught/1st CREDIT, all of which i pay £5 per month each and have done for 3/4 years. I never ever get any contact from aktivkapital or lowell . Ive just told the mrs of your reply, and i will print off those CCA REQUESTS this week.
  7. Hook Recordings
    sorry just read this, will do. thanks.
  8. Hook Recordings
    hello mate, thanks for your reply, the first half dozen or so letters i got from 1st credit didnt mention connaught or the original debt with marbles/hfc ,so i didnt have a clue what it was about. I didnt know Connaught and 1st direct were the same people until yesterday, when i got a statement from 1st credit with a list of payments that i had made to Connaught. 1st credit are crediting the payments im making to the account, that they are threating to take me to court over. I went to find the letter i had received from connaught back in march 2012, they sent me an all pay payment card , and saw that they had the same post code as 1st credit. 1st credit are acknowledging that i am paying the debt in that statement, but i recevied another letter from them this morning 'considering to take me to court' yet again, and offering me a £1200 discount on the £3900 debt. i dont understand why i have been contacted by 1st credit and threatend with court action over a debt that i am paying at £5 per month using a connaught card that i was sent for this debt. Perhaps it as an aggressive way of getting me to up the payments to them?. I even got an e mail from them this morning asking me to confirm my name and address, and for my permision for them to contact me by e mail. I havent sent A CCA REQUEST mate i dont really understand what they are.
  9. Hook Recordings
    Morning all, Yourve been very kind helping me with stress in recent months regarding an out of the blue demand from a company Called 1stCREDIT a few months ago , who are demanding full payment of a debt, offering discounts and monthly payment terms etc etc . I was confused, as ive never heard of 1st credit or had any dealings with them, so i just ignored them, and im now getting weekly letters from them stating that they" are considering taking me to court". Therve been 'considering" for about two months i didnt know what the debt was for, but i now have more information and i was hoping i could trouble you for further advice. Just to recap, after a bitter divorce in the early 2000's and a couple of spells in rehab , fiscal matters went off the rails but i have managed to steady the ship in recent years. I had a marbles credit card which i havent used since 2005 which has a balance 0f £3,900. (1st credit have offered me a £1000 discount) Ive only just found out via a letter from 1st credit ,yesterday, that 1st credit brought the debt from HFC/Marbles in 04/2008. The thing that confuses me is that i have been paying a company called CONNAUGHT COLLECTIONS £5 per month ( im a house husband)via a connaught all pay card, at post offices, since march 2012 for this debt. I received a statement from 1st Credit yesterday, which shows a record of my payments for the last 12 months going to them., not Connaught collections. I notice that both Connaught and first credit are in Reigate, and share the same post code. If im Paying £5 per month to connaught, as agreed with them back in march 2012, why are 1stt credit sending me letters, introducing themselves to me ,and sending me weekly letters "considering taking me to court" when im already paying this debt to connaught , a fact they(1ST Credit) acknowledge in their statement they have sent to me ??. Any advice from the wise people of this board would really be appreciated as im getting very stressed out by this just for further info i checked my My exprian report, and it is clean with no defaults or ccj's and a score of 997. thanks very much, dont know what i would do without this board.
  10. Hook Recordings
    thanks dx, I just go into a panic when i get these stupid letters and it helps meto deal with it all posting on here, to calm down and get sound advice. i shouldnt get so worked up:mad2: thanks mate.
  11. Hook Recordings
    Morning all, Just another two letters in the post this morning from 1st credit... The first one entitled... "we accept affordable arrangement offers' Then' inviting' me to contact them and arrange payment terms all friendly and cordial. The second One Entitled "We are considering taking county court proceedings" saying that IF they issue proceedings they will charge fees etc and attatchment of earnings, bailiffs etc. looks a standard frightner letter to me . it sounds like a good cop bad cop routine !. if you think wise and in keeping with most advice i'll ask for clarification of the original debt via cca request, if they actually DO issue a court claim . Once i know what its for, i can send the statue barred Letter to them, as whatever it is its very very old and nothing is on my credit file going back the 6 years. thanks again to all for any comments and for being there to listen.
  12. Hook Recordings
    Will do mate .
  13. Hook Recordings
    Thanks all for your advice and help. All of it is gratefully received by myself . Lucky to have this board to turn to. At the end of the day, i havent got a clue what this debt is, and theres nothing on my credit file about it ( file showing last 6 years)on any of the 3 address's ive lived at in that time. Thanks for being there to help me, i dont need another spell in rehab !
  14. Hook Recordings
    thanks mate, no definately no high street credit taken out for anything like that. I havent taken out a loan or any credit cards for over 12 years. hello citizen b, no county court claims have been taken out against me or ccj's on any of my previous address'es . my file going back the six years that it shows on experian are as clean as a whistle. i dont want to engage with 1st credit, but havent a clue as to what the debt is for . oh well, i suppose i will find out if they try to take me to court. no doubt i'll get some more letters and i'll be back on here asking for help . thanks again lads.
  15. Hook Recordings
    thanks dx ,sorry mate im not very good with abbreviations on here just yet, i havent responded to any of the letters from 1st credit re This HFC debt. I just dont know what it is for . I just assumed it was this old sainsburys loan . The other two very small payments i make are standing orders to two DCA'S that i have been paying for 3/4 years . i assume mate that this hfc debt must be older than 6 years as its not showing on my file . i wont respond unless they send take me to court with my statute barred letter.

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