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Everything posted by cheddar

  1. Letter arrived today (DCAs all seem to write to me on the same day, interesting): Dear Cheddar We thank you for your communication regarding this account. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm we have placed the account on hold. So still waiting to see what they say, if anything.
  2. Letter arrived today saying they agree with the dispute and that the account is on hole and no collection activities will take place until they have provided me with the CCA. Which I assume they can't as it doesn't exist. However they refuse to remove anything from my credit file. I anticipated that anyway. So we shall see who gets it next.
  3. Account in dispute letter sent and signed for yesterday, they also sent me another letter in the meantime saying Redcats/La Redoute are still trying to find my agreement. Not sure why they're looking so hard for something they obviously don't have!
  4. Well Carter signed for the letter on 16/11 so we shall see what the reply is! Hopefully as you said Bazooka
  5. Thanks CitizenB I think the charges come to £48 so far, these are all recent as since 2007 I never once missed a payment until now! I have all information on the account, every transaction and the blank CCA with terms missing, I am not sure what else an SAR could show me but I may consider it, £10 is a lot these days sadly
  6. Many thanks Citizen B, I know most of the information contained in those blogs already hence being able to work out what I can afford, I was looking more to finding out if the debt would be enforceable for some peace of mind really whilst I write a letter every single week offering the only amount I have left over (sadly only to see the debt increase constantly, may as well be burning it). I assume this will calm once it goes to a DCA which I'm sure it will do soon and I can reclaim the charges. Or I may just get a loan and pay this off (yes, yes I know it's not great but at nearly 40% APR (wh
  7. Thanks Zingy it's really appreciated! I thought as such too, just worried about the ticking the box thing but I am pretty sure they would have mentioned that.
  8. Well I got a letter from Lowell on 28/10/10 saying they have requested it from La Redoute/Redcats and they will let me know how they get on and if it takes longer than 12 days it's not their fault. They got my CCA on the 21/10/10, heard nothing and got another letter today saying they contacted La Redoute again who are trying to retrieve my CCA from their archives and as soon as they have it, it will be sent to me and I am to pay it off. Will be sending them the Account in Dispute letter next.
  9. Ok so they have ignored my neighbour for now but have sent me the following, can anyone advise? "....you have received our response to your request under section 78 of the CCA 1974. However you state that your agreement is unenforceable as it does not conform to section 60(1) and 61(1) of the CCA. The information that Cabot have provided (a blank Next CCA with no signatures on it at all) in response to your request satisfies the definition of a 'true copy' in that we have provided a reconstituted copy of your credit agreement and accompanying T&C's. The definition of a true copy
  10. Biglouis and paulyoung (hope that's not your real name as DCA's read these threads) if you start your own threads you will be advised what's best. Update, no word at all from Fredrickson, the RM website say that the lovely Mr Carter signed for my CCA request on the 21st October so we're way past the 12 days. Will be sending them the Account in Dispute letter next.
  11. I wonder if people aren't helping because they think I'm trying to avoid this debt purposefully? I have been making token payments of £10 as and when I can and have offered several times to make token offers, each time they have been ignored but I have kept on paying. I am really not sure what to do now, it would surely be better for me to get them to stop interest and charges because as soon as I pay £10 they slap me with a £12 fee, it's seeming almost pointless, I may as well be burning money have no idea what to do now tbh. I was thinking of sending this as I looked back and haven't a
  12. Ah well I suppose this can go in the DCA thread soon as they've replied to my letter asking them to stop interest and reduce payments and basically said no way and they'll pass to a DCA. Mebbe someone there will be able to advise.
  13. Anyone? Maybe the title of this needs changing as it's not that great lol
  14. Ok well they replied today as follows: Account opened on the 16th August 2006, they state the credit charge, how many payments I have made (scary have paid them nearly £3k!! I can't say I've had £3k of stuff from them in my opinion!), then they state that if I didn't make any further transactions I could pay it off in 35 months as long as I pay around £120 a month with 1st payment of nearly £400 which is arrears as they won't accept any reduced payments and are now slapping fees on left right and centre. They then say the following: "Please find a reconstituted "True Copy" of y
  15. Ah ok of course I sent it recorded I know when they got it haha! Bit dense I am this week. Ok well they have acknowledged it and say the account is now on hold, we shall see
  16. I printed out a letter giving Next/Crapbot another 21 days as they haven't complied with the CCA and gave it to my neighbour who sent it the same day via recorded. I have told her not to worry on this as they obviously don't have a leg to stand on. I've done the same for myself as Next/Cabot have started on me as well and did the same to me many years ago!! SO I just sent the 21 day later right away. Let's see what they come up with
  17. Just so I can keep track I sent CCA on 20/10 via 2nd class recorded, does that mean it's 16 days they have to reply? 12+4?
  18. Hmm well unless I was using cash to pay the 1st payment I can find on bank transactions is the 17/10/2006. I have CCA'd them as they're just being horrible to me now, I've tried token payments and explained my situation in writing to them but they are simply saying pay up or it's DCA time. We shall see what happens, does anyone know when the 'tick the box' came into enforcement to stand as a digital signature? Hopefully the CCA will shed some more light on this. Also I sent the CCA via 2nd Class recorded delivery on 20/10 when do they have to reply by? I know it's 12+2 if sent 1st class,
  19. Yeah I noticed the addresses/postcodes are almost the same, most of these places are in the same offices as Cartaphilus said.
  20. Fab, am printing out now, thank you ever so much for the help!!
  21. Okay will send the CCA for now, who do I send it to? Fredricksons or Bryan Carter? Bryan Carters letter tells me to converse with Fredrickson, only reason I'm asking. Also out of interest who should I sign my letters by? I'd rather they didn't know my married name....am I ok to sign them in my maiden name? Of course when I say 'sign' I only ever print my name
  22. Okay well the letter says: "....Payment must be made within the nexr fourteen days failing which we will recommend to our client that proceedings be issued without any further notice. Should proceedings be issued, additional charges will be added to the existing balance as shown below" Balance - £XXXX Interest - £0 Court Fees - £65 Solicitors Costs - £80 Before the account is referred to us to litigate you still have an opportunity to contact Fredickson International Ltd with your payment proposals. In order to avoid further action you should telephone them immediately on.
  23. Okay, I didn't send the SB letter as I worked out that it will probably be SB next year in June 2011 along with the other couple of debts I left behind when I moved. Anyway, today I got a letter from Brian Carter Solicitors saying if I don't contact in 14 days they will tell Fredricksons to issue proceedings against me, it then all turns into 'may' 'might' 'should' etc so I know it's an empty threat. However I have read that when it comes to Brian Carter things can get nasty and recall something about CCJ's at old addresses etc? Any ideas what I should do now? I suppose I could still send
  24. Yeah I've not had anything about the debt from anyone, don't even know who Phoenix is, however they may have been writing to me at previous addresses. Am fairly certain it's SB so think I'll send that letter anyway
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