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Abearofaman

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  1. Hey again guys, Trying to sort out my debts, been paying regularly but I have never had a statement from either of them. Just wondered if there was a letter to get all the details from them on what left to pay, I'd also like to get regular statements but I know what these people are like
  2. I keep get letter from CapQuest increasing my direct debit to them... this has happen a few times and I had ignore it because i could afford it but know it just getting silly. Now I know I can call them and get it put back but is there a way to stop them from doing it again?
  3. Can't remember, it was a long time ago when I had a lot more money to throw around. The thing is, I thought overdrafts were covered by a CCA, am I wrong?
  4. Thats what it was originally, altho I was told by Barclays (on the phone alas) that it was a loan that I could use when needed and pay back then use again
  5. Found an old statment it was called a Barclays Advance Account. If that helps at all
  6. OKay, new letter today.... Normal stuff... account amount owed and here what was writen on it. Please find attached copy statements. This debt is for an overdrawn bank account and not governed by the Consumer Credit Act, therefore a sign agreement is not applicable. We look forward to receiving your proposals for payment. They attached some statements. The statement say its a current account which doesn't make sense as I was sold this as a flexie loan... Either way some advice would be nice
  7. Simple answer... If you don't have any contact details on them how would they know its you? Comes down to what my old boss use to say, its legal if they don't catch you! Of course they did get him...
  8. Stop speaking to them on the phone! They will lie to you. I had some great advice on my thread. I had the same problem as you but with a different company. Check it out http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/139571-debt-collectors-refuse-payment.html
  9. CCA, already sent to them, it will be about a week and a half back. The only issue I have is that this came from a company called "Call Serve", wonder if I have to send them a CCA to... oh to fight the good fight, I wish they had accepted the offer sometimes
  10. Got a reply.... re:DEBT MANAGERS LTD - BARCLAYS BANK PLC PLEASE TAKE CAREFUL NOTE 1) You have ignored repeated applications for settlement. 2) You have had the benfit of goods/services supplied for which you have not paid. Unless we hear from you within seven days with a payment and repayment proposal we may without further notice. a) INSTRUCT ONE OF OUR LOCAL COLLECTORS TO CALL UPON YOU FOR PAYMENT B) PROCEED WITH LEGAL ACTION FOR RECOVERY THROUGH AYLESBURY COUNTY COURT. IT IS IN YOUR OWN INTEREST TO MAKE AN ARRANGEMENT FOR SETTLEMENT NOW BY COMPLETING THE PORTION BELOW AND RETURNING THE ENTIRE LETTER TO THIS OFFICE. (Signed, printed of course) NAME (IN CAPITALS).......................................... ADDRESS.......................................................... ...................................................................... ACCOUNT NO XXXXXXXX I enclose £......... and promise to pay £.......... per week until my account as stated above is paid in full. SIGNED................................ DATED................. Now I'm think ignore this... but should I send any letter back to them?
  11. It was a flexie loan taken out about 5 years ago, payments where upto date up until about a year and a half ago when I was made unemployed for a while
  12. Finally got a reply, simply stated "We have requested a copy of the signed agreement from our client and will revert to you once this is to hand" Well I guess it will be in the post soon then
  13. Debt Managers Ltd. Any template you can point me in the direction of would be a great help
  14. I've not got their refusal in writing, I thought as I was trying to paid they'd be happy with that and when they mention court action I thought I better come here and see what my rights are. I guess the first thing I should do is make the offer in writing. I've not ask for the Credit Agreement but it doesn't look like there any extra changes on it
  15. I have had a debt collector after me for an old loan from Barclays. After I explained that if I could afford the full payment I would have made it already, I offered them a monthly amount. They refused this and said I'd be taken to court for the amount, this can't be right can it?
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