I had a call from these yesterday. I was expecting another call from a company who would be asking me security questions so I answered them before realisin who they were. This is a rough transcript of the conversation: Knuckle dragger = We are calling you with regard to your outstanding debt woody = you mean the one I told you was in dispute and as such you are breaking OFT guidelines in persuing? KD = It cant be in dispute as (insert mobile phone company name here) have asked us to collect woody = in that case then can you pay me the £500 that you owe me? KD = What £500 Woody = EXACTLY!!! KD = I am glad yo

Hello Jan all of my thoughts are in blue above it is time to stop playing to the tune of the banks allowing them extra time I did that and ended up with a fight 12 months long. The situation has not improved as the banks are now using other delaying tactics. Make them stick to the guidelines if the do not complain to the FSA if the timescales are breached and the ICO if they do not produce all the data you asked for. aa

nothing can make a debt un statute barred. so if they was a space of 6 years without any payment or acknowledgement then it still will be if it isn't it look as though you have charges/interest that can be claimed back as mr ton has said you ould send cca request if thisis for a credit card or loan to check the paperwork but in this case to check the statute barred route to bury it i would send a sar. no 2 in my sig send it to halifax, you need to include a £10 postal order and send recorded or special delviery and this will let you check the dates can you confirm what type of halifax account?

This is pure extortion I would report them to the OFT & trading standards. I would also send off a CCA request. If they cannot produce one, then all payments must stop.

Do they own the debt or are they acting for halifax. If they own it did you receive notice of assignment. when you made the agreement to pay £3 a month who was this with Halifax or Capquest

Never talk to them on the phone either, if they do call and call send of the Telephone Harrassment letter to them. Mind you, even that won't stop them calling, so if they do call, lay the phone down, go make a cuppa, potter about the house or even sing a song in an off-key for about 10 minutes, then hang up on them If you can, record the calls.

I had loads of problems with Welcome Financial Services, please see thread: http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/203042-welcome-financial-credit-reference.html for the address of their data controller and write to them directly - "go for the jugular" as I have heard someone say on this site. Welcome do not give any leeway when you are having problems, so if they are having "problems" and "finding" paperwork with a signature you do not recognise then you need to do as the previous poster has mentioned and ask them for a SAR, and then keep a copy of everything they send you and also of ev

Hi spOOKi, Straight from the house's mouth :- It makes no difference how you watch TV - whether it's on your laptop, PC or mobile phone or through a digital box, DVD recorder or TV set - if you use any device to watch or record television programmes as they're being shown on TV, the law requires you to be covered by a TV Licence. If you don't use any of these devices to watch or record television programmes at the same time as they're being shown on TV - for example, if you only use your TV to watch DVDs or play video games, or if you only watch programmes on your PC after they have been shown on TV - you don't need a TV Licen

The parking attendant is so clever he could have got a job with Robbinscum Way. Perhaps they will send you one of their valid even if not read by you threatomatics when you dont pay the 65 quid

If the person claiming housing benefit/council tax benefit (or their partner) is in reciept of the care component of DLA or is in reciept of AA, no deduction will be made from their council tax benefit/housing benefit for non dependents living with them.

Well I can only apologise then. I seem to have got drawn into the off topic 'banter' that we have had on this thread over the past 24 hours. I will keep my thoughts to myself until the thread returns to normal

They cannot call in the mortgage if you've never fallen behind with it UNLESS it is an offset mortgage? Can you clarify this for us please?!?

just look in the legal forum there are plenty about, especiall when dealing with HCohen and ClueLess

Hi I also received an illegible copy (due to the age , no longer held), so I entered a short embarrassed defence. Just a word of warning, check with the court after your defence has been filed as [problem] have a habit of 'forgetting to check' if you have filed a defence and going for a SJ

Your big mistake here is that you don't record your calls. Bank staff are generally very pporly trained. They don't understand their own procedures. They make all sorts of promises on the phone and customers rely on those promises like innocent lambs only to find that they have been lead into the slaughterhouse. Then the bank denies everything. If you don't record your calls then don't do your business on the phone. Simple as that. Record your calls. As far as international phone calls go. I suggest that you use Voipcheap which will allow you to call landlines in most countries for free and mobiles at very reduced prices.

Leave it as is. Same for your mortgage Solicitor's. I'll prepare cover letters sometime later tonight and post them up here. Copy and paste them into a letterhead, and send everything Special Delivery tomorrow. Then when it's sent please come back here and let us know! I think I could start my own fan club on CAG! Lol! Ta!

Hi Tinkxabell, Apologies for not replying sooner - I haven't been on line. I eventually wrote to the CEO of orange - explained what had happened....he wrote back, told me I was in the wrong (which I would still dispute) but would give me a refund of the money "I owed". I've got a copy of all letters that I sent to orange over this matter (in pdf format) - spanning months...it was only after I'd written to the CEO that I got resolution. I think I've attached them to this post!! Good luck with fighting your corner - persistence is the key and not backing down.... Jody Letters_to_Orange.pdf

If a valid cca arrives. Assignment cannot put debtor in a worse position, therefore if OC is charging a lower interest rate now surely Cabot are bound by the same terms? If contract terminated by OC interest cannot be charged unless there is a clause within cca allowing so.

Just a note, letters 1 & 2 designed to start to get specific data removed. Letter above regarding automated data handling will remove all data, good and bad, from an automated search.