had a lovely suited bloke,wearing enough aftershave to kill a elephant on my doorstep. asking if we could confirm the name of neighbours from 5 doors away. as they have only been here about 5/6 weeks i said i dont know their name but think that it is safe to say that i cant see it being mr rodgers as they are asian. he then continued to say that he was tracing on behalf of the lewis group:-o and did i know if anyone else in the st or AREA called rodgers:smile: did advise him that i would be reporting to OFT on monday,not happy and refused to give me his name. followed him to his car to get registration. cheeky sod.

send it to the dca: Dear Sir/Madam Re: 4563210025897412 We write with reference to the money which you are claming on the above account. We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability. We also request that, if accepted, you will make an entry

The local authority had no right to tell you that - they have no powers to interpret the legislation differently to the way its written. I know of an authority where several staff had said similar things (individuals, not council policy) and were given a blunt response from the legal services dept to remind them it was Ultra Vires and should cease.

With there being a mix up with the SAR at the beginning it may be better to resend it but to MBNA this time. You can still dispute the a/c because Clarity haven't complied with your request + you can put the cat amongst the pigeons by making a complaint to the ICO because the original SAR has not been complied with.

They are not allowed to charge you for the full outstanding balance on an account unless they have issued you with a Default Notice. I would say nothing about that for now. If they terminate the account without sending a Default Notice all they can ask you for is any arrears - they cannot then ask for the capital. The agreement they have sent would be enforceable - it has all the prescribed terms and your signature - BUT it is only Page 1 of 2 - where is Page 2? and where are the Terms and Conditions and statements you are entitled to receive telling you what has been paid and what has still to be paid? By not sending these and Page 2 th

LMAO, Won't they all make fantastic MPs' when they out of a job? Or should it be that MPs' will make fantastic debt collectors? I'd attach a list of your administration fees as a contract and ask them to sign and return the copy before you are able to assist further, offering a deal of 0.1% off for a prompt reply due to the harsh economic climate on Venus.

Here's mine again just to assist:- Howard Cohen pictures by mightyacorn2008 - Photobucket If you were not aware of what is going on about your case, you could be easily fooled into thinking that this was a genuine article. My thanks go here to CAG for giving me the information I need to question and check on these types of letters. This letter caused my wife a great deal of grief, as she opened it first. I was able to convince her that the letter was a down right lie.

Slightly off topic as far as the previous post is concerned, but it appears many MBNA's agreements are illegible and even though we all know the various clauses in the Acts and Regs I thought this comment from Lord Sumner (Commercial Credit Company of Canada v Fulton [1923] AC798 ) was amusing whilst relevant: PS: Bloody excellent letter diddydicky

Hi SN, Look lets be honest Nottingham is a wonderful place ........... I live there:p Seriously I have worked in all the worst areas of the north of England and the Midlands and they are all as bad as each other.: quite frankly not bad at all. I have NEVER been scared in any of these so called notorious areas since I read the guidebook for Kenya after returning and found that I had been living on the most 'dangerous' street in Nairobi. I am sorry but some people must be born scared. What has happened to our Bulldog Spirit? GK

Lexis Please don't think I was having a go at him about there are people worse off than him, I wasn't, I was baseing that on myself, I have been very unfortunate person and have many things wrong with me, but I can't complain when I put that up against my neice, who was born with No ladies parts, nowhere for her body wastes to go, only 1 lung and 1 kidney. She had more operations than I have had years alive. 8 yrs ago her only kidney failed as it had not grown with her, she was lucky a donar was found reasonably quickly, she had the transplant but it caused other problems with her body, her new kidnney has failed and it has caused her to h

I am thinking of sending this to them via email: Dear Sir/Madam/Threat monkey!. I have recieved a letter from yourselves, you say that due to "times of economic hardship", out of the goodness of your heart you are "currently in a position to allow generous discounts" to your customers. There are many reasons why the offer does not apply to me, here are a few of them: 1. I am not your customer. 2. I do not have an account with you. 3. You have provided no proof that there is an alledged debt. 4. You have not provided any evidence that I am the alleged debtor. 5. A Statutory Demand was set aside

when i was seven months pregnant with my 5th child i was moved into a house that was next to a family that was well known by the council for causing trouble, they set fire to my back fence when my little ones were playing, tried to break into my house at night, fights on the street , drunken parties ect. i complained to the council who did not very much, they said phone environmental health, i did and they said they would need to talk to me in front of them!!!! this would obviously cause more problems for me if they knew i was complaining so what i ended up doing on the advise of a police officer friend was every single time they did somethin

Lexis:)

I would stronlgy urge you to contact the National Debtline 0808 808 4000 IMHO and from talking with them, regardless of how old a debt is, does not mean that they cannot chase you for payment, it would be up to you to send them the Statute Barred letter and then if they persist in further harassment for payment, they are then committing various offences. The Limitation Act 1980 sets out the rules on how long a creditor has to take action against you to recover a debt i.e. take you to court. The time limits are different depending on the type of debt that you have. Unsecured credit debts This would include credit cards, st