I will keep the letters from them and when i get another one from someone else i will reply back with a copy. If they can't get the info to inforce a said debt then i'm not worried about the next guys trying no. I feel a sense of achievement as i usually would have thrown it in the bin and waited for the next one but it feels good to fight back. It will be quite amusing to see who takes it on and how much they add for their 'charges & fees'.

Received a letter from AKTIV KAPITAL relating to a debt they said i owed of over £2200 the original company being GE Capital (First National Tricity Finance ltd). I have no idea what this was for. I looked on here and took your advice and sent them a letter following your template with a £1 postal order requesting details of the debt. Another letter arrived saying if i pay up over £1400 they would pay nearly £800 for me under their 'New Deal' scheme. I ignored this one. Today i received a letter from them to say; 'Although we purchased the right to recover the outstanding balance due under the agreement, as we are not the original creditor we do not hold the original documentation in this matter. We did contact the original creditor but they have been unable to provide us with the information you requested, and as such we now inform yo that we will cease all further collections activity in regards to this matter, whilst not in possession of such documents.' What a relief, whatever they thought this debt was for i don't have to worry about them chasing me anymore. I would recommend anyone getting letters like this from debt collectors to send them a simple letter and for £1 postal order and the cost of a second class stamp you can get peace of mind.

It is simple. All you need is a stamp and a bit of patience but if you are like me and are determined to get some money back from these thieves then do it. You need to write to them giving your name/s and the address of the mortgage and the account number as you have it. Tell them you want a full statement of your account from the time you started and ended the mortgage. They have to provide this by law. you can phone and ask them the procedure and fee if unsure. Once you have the statement you can then make the claim, very simple all the letter templates are on this group. Be prepared to wait ages as they take a slong as they can by law but have to comply. i have just phone the fos myself, they are open to 1pm today you vcan always ask them - freephone number.

ttfan1978, you should definitely make a claim like i have. put it in writing to them, no doubt they will say it is out of time but then you can go to the ombudmsn and see what they say. I have done that and am now waiting on the ombudmsan to review my case. i phoned them initially and they took my application over the phone then sent me the forms in the post to sign. They said it takes 3-8 months but it is a free service so nothing ventured nothing gained.

Took out a loan with welcome in 2001, been trying to get refund of ppi since 2007, various letters back and forth. i have a final letter from them dated 25/5/11 saying complaint rejected 'outside relevant time limits' 'not required to investigate as prior to 27/2/03. Have i no chance of getting this back now? I had BUPA, sick pay & House insurance so didn't need ppi.

Hello, We had a mortgage with Gmac some time ago, we closed the account in October 2003. I sent them a request for refund of default charges which with interest added comes to £18k. I sent off my first letter 25/1 using the template on here and gave them 14 days to reply. I received a letter dated 26/1 stating they will examine my complaint in detail amd update me with their progress witin 4 weeks. Received another letter 23/2 saying currently investigating but it is taking longer than expected and they will reply no later than 21/3. Letter dated 19/3 stating mortgage ran aug 99 - sept 03 and that time limit rules imposed by the FOS apply to this matter and they will query jurisdiction of the fos if such a complaint is brought to them. says, fos cannot consider a complaint if either more than 6 years or if later, 3 years from the date on which i became aware (or ought reasonably to have become aware). I AM UNABLE TO UPHOLD YOUR COMPLAINT FOR THE REASONS STATED ABOVE. they also refer to oft unfair bank charges. final response etc. Q.. is this just delay tactics? they could have responded straight away not after so long if time limit was issue. Q.. is there a time limit? i thought i read that mortgages are 12 years? Q.. has anyone actually got any money out of these people by writing and asking for it back? Q.. what is my next move, should i just issue court proceedings? Any help would be greatly received as i don't want to waste any more money on court fees if going nowhere.

Thanks for that. I am definitely going to ring them at 9am tomorrow morning and try and set up an agreement to pay it off monthly in instalments and hopefully stop them coming back. They apparently came on friday when i was out so i am just hoping they are not going to turn up tomorrow morning before i get through to their office. It does say on the letter they left 'if contact is not made with my office i shall return shortly with removal contractors'. I just hope they will agree to some sort of repayment schedule. I did not know until now that a CCJ could be turned into a writ as easy as this and with no communication to me. All i had was the CCJ notice with payment due forthwith. I am hoping someone on here will read this who has dealt with this company before and had an extension of time.

I have looked at Marstons website and it says 'We are unable to enter into long-term payment arrangements or offer extended time to pay. We may be able to offer a limited extension to your payment deadline' Does anyone ever contacted them before to try and get an extension. I am hoping they will give me to the end of the month - any one tried this before?

Hi, can someone please give me some advice. I have an old debt from a previous address for £630. The company issued a ccj against me at my new address for the £630 plus interest & costs, court fees etc that adds up to nearly £900. I came home friday night and Marston Bailiffs have put a note through my door adding their costs and now asking for £1200. It says they are to return and i have to pay them the full amount in cash (which i don't have), or they will seize my goods. I have read through the threads on here and it says don't let them in but what can i do to get rid of this/them. I am worried that they will come back tomorrow and dont know what to do. Is there any way i can buy some time to try and delay it for a few weeks if possible as i might be able to get some money to pay them off.

Advice please!! Prestige have written back to say....... 'The £330 sent to you on 21/3 was in full and final settlement of all claims and/or counterclaims arising out of the credit agreement and legal charge dated 6/1/05. You should only bank the above cheque if you are happy to accept in full and final setlement.' Firstly, have already banked chq it clears tomorow. I want to be able to make a claim for the ERC paid at a later date should it become appropriate to do so. I have already written to them on 26/3 saying.. I acknowledge receipt of your letter dated 21 March 2007 and your settlement offer of £330. I accept your offer as full and final settlement only for this claim of default charges for Account No. xxx I accept this offer without prejudice and I reserve the right to make any further claims that apply to charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977. I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim. I trust that you will find this arrangement acceptable. What should my reply be?

Today - the day before i was to enter judgement against our dear friends at Capital One - Letter comes in post dated £26/3. Settled in full - they have cleared my £194.67 balance and have raised a cheque to me for the rest! Will have to wait up to 14 working days for cheque but hey... glad to get it! capital one £828.62 SETTLED IN FULL SPML £1989.72 LBA 16/3/07 Bank of Scotland mortgage £?? SAR 16/3/07 Prestige Finance £330 SETTLED IN FULL GMAC £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07 Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07 Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07 Barclaycard £??? SAR 10/2/07 Forthright Finance £??? SAR 12/3/07 LLoyds TSB business a/c £296.77 LBA 21/3/07 LLoyds TSB current a/c £??? SAR 10/1/07 LLoyds TSB husbands a/c £??? SAR 10/1/07

Don't know if anyone else has had the misfortune of dealing with Prestige Finance. We took out a secured loan with them in January 2005 and paid it off in June 2006. I sent SAR to them 1/2/07. Back came a letter dated 5/2 (very efficient!) enclosing full statement. Wrote straight back and highlighted £1949.02 charges. Asked them to provide a full explanation of what the charges were for and what the actual costs were to Prestige Finance. They passed it to their solicitors BSG. Had a couple more letters to and from BSG clarifying charges. Interestingly, their letter stated in your letter regarding the five £10 charges made for returned direct debits, we have been advised by our clients they are unable to repay these as they are charges charged to them from their bank. As the £1949.02 was made up of mainly solicitors costs i decided not to pursue those and go for the items that i felt i was on more solid ground to reclaim should they go to court. I then sent the spreadsheet back to prestige on 16/3/07 claiming £330 for £10 unpaid DD, 4 x £10 late payment charge, £240 charge for letters and £40 non interest bearing charges. This morning 25/3 received a letter from Prestige themselves.... after having reviewed your file we have refunded a payment in the sum of £330 in relation to our fees as a gesture of goodwill. They have added the clause : please note this is in full and final settlement of all claims and/or counterclaims arising out of the loan dated 6/1/2006. Please acknowledge receipt of this cheque. Well, for sure i will be banking this monday morning and will take my time in writing to them to say thanks for the cheque but i am not accepting the full and final bit. (I intend to go for ERC refund once this becomes more clear so am keeping my options well and truly open). In addition the loan was dated 2005 not 2006! So, i am very pleased with the cheque for £330 and all it cost me to get it was a few stamps - not even the £10 for the SAR! 1/2/06 - 25/3/06 quite quick compared to the rest of them! capital one £828.62 mcol raised 26/2/07 SPML £1989.72 LBA 16/3/07 Bank of Scotland mortgage £?? SAR 16/3/07 Prestige Finance £330 FULL SETTLEMENT CHQ RECEIVED 24/3 GMAC £2465 LBA 19/3/07 Welcome Finance £1661.68 claim 22/3/07 Welcome Finance PPI missold claim 2905.70 20/3/07 Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07 Barclaycard £??? SAR 10/2/07 Forthright Finance £??? SAR 12/3/07 LLoyds TSB business a/c £296.77 LBA 21/3/07 LLoyds TSB current a/c £??? SAR 10/1/07 LLoyds TSB husbands a/c £??? SAR 10/1/07

Have finally received reponse from Gmac - 1 day before deadline for non compliance claim! Letter prepared to send on monday to claim back rip-off charges. Has anyone successfully got arrears charges & bouced fees back from gmac yet? I am claiming for unpaid dd fees and arrears fees/litigation fees - yes £50 pm it seems they called it whatever they felt like at the time. Not bothering to go for the solicitors costs as i think that will go nowhere at this stage. Am going for the items that i am confident of getting refunded then will make another claim later (hopefully) when the ERC debate is decided! capital one £828.62 mcol raised 26/2/07 SPML £1989.72 LBA 16/3/07 Bank of Scotland mortgage £?? SAR 16/3/07 Prestige Finance £330 LBA 16/3/07 GMAC £2465 LBA 19/3/07 Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07 Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07 Barclaycard £??? SAR 10/2/07 Forthright Finance £??? SAR 12/3/07 LLoyds TSB business a/c £296.77 LBA 21/3/07 LLoyds TSB current a/c £??? SAR 10/1/07 LLoyds TSB husbands a/c £??? SAR 10/1/07

Have finally received reponse from Gmac - 1 day before deadline for non compliance claim! Letter prepared to send on monday to claim back rip-off charges. Has anyone successfully got arrears charges & bouced fees bach from gmac yet? capital one £828.62 mcol raised 26/2/07 SPML £1989.72 LBA 16/3/07 Bank of Scotland mortgage £?? SAR 16/3/07 Prestige Finance £330 LBA 16/3/07 GMAC £2465 LBA 19/3/07 Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07 Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07 Barclaycard £??? SAR 10/2/07 Forthright Finance £??? SAR 12/3/07 LLoyds TSB business a/c £296.77 LBA 21/3/07 LLoyds TSB current a/c £??? SAR 10/1/07 LLoyds TSB husbands a/c £??? SAR 10/1/07

Hello, here is my saga re the claim i put in against capital one for charges to my credit card. 10/1/07 - sent SAR request 24/1/07 - full list of charges received (no payment requested) 26/1/07 - sent first demand for charges totalling £652 to be repaid (32 charges @ £20 plus 1 @ £12) 7/2/07 - standard letter received from Robert Udy. As a gesture of goodwill offer to reduce fees to £12 each. Total amount of grand gesture £104. Obviously his calculator button must have got stuck as 13 x 8 =104 but 32 x 8 = 256! 13/2/07 - replied to mr Udy, thanks but no thanks. Threat of court action unless full amount repaid. 23/2/07 - Mr Udy replied to say offer of £104 still stands. 'i won't be increasing this as it is my final offer'. 'put this behind us and save the courts valuable time'. CHEEK! 26/2/07 MCOL 748.62 (amt plus interest) + court fee £828.62 .....and rising daily. 01/3/07 - capital one acknowledged claim. I am actually quite impressed that they answered all my letters quite swiftly. This has been the easiest one to do! Now waiting to see what they do next - hopefully send me a fat cheque! 6/3/07 - informed mr Udy court action had already begun. capital one £828.62 mcol raised 26/2/07 SPML £1989.72 LBA 16/3/07 Bank of Scotland mortgage £?? SAR 16/3/07 Prestige Finance £330 LBA 16/3/07 GMAC £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07 Welcome Finance £??? SAR 01/2/07, LBA (NON COMPLIANCE) 13/3/07 Capital one (husbands) £??? SAR 31/1/07, LBA (NON COMPLIANCE) 16/3/07 Barclaycard £??? SAR 10/2/07 Forthright Finance £??? SAR 12/3/07 LLoyds TSB business a/c £296.77 LBA 21/3/07 LLoyds TSB current a/c £??? SAR 10/1/07 LLoyds TSB husbands a/c £??? SAR 10/1/07