This credit card was taken out in about 1999/2000

My sons Ps3 stopped working so phoned Sony they were so helpful I couldn't believe it they arranged to pick the ps3 up fix it or replace it they wouldbe in touch. They called 3 days later said the warrantywas void as the sticker had been removed so I can either have the console sent back or pay £131.00 for a reconditioned one. I think this is ridiculous is there anything I can do as I can't afford to replace it. Thanks

Ok sent the account in dispute letter off and never heard off them again , until now....... So months later I now have CAPQUEST hounding me at my new address for this same debt that I thought was gone. They are phoning sending letters . They managed to get me on the phone this morning after I told them that the debt should no longer stand they said they know nothing about it from the last DCA and that if I want to request a CCA to send £1 for it. I told them I wouldn't be and to stop harrassing me & theyhVnt a leg tostand on and if it went to court they know that, towhich the adviser said oh no madam no one mentioned court, just send us the letter and we will put your account on hold. What do I do??? I thought this debt was gone now I'm being hounded again please help

thanks will post when i hear back, i think im gonna have a fight on my hands from these sharks, good luck with your 5 lol x

hi delicarik123, thanks for your reply, i think this is going to be a masive job, but yes well worth it.

ok i have recently paid off the money i owe to kensington, through the desperate sale of my property. their redemption figure was 3,000 more than what we initially borrowed, robbing **** ...anyway, i have been told you can claim back all the arrears charges (they tried to take me to court for ) could someone please point me in the right direction. i dont think its right that this company should get away with what it did to me & my partner, & i want to have the last laugh for a change. so i no longer have an account with them as of the 07/10/09 so where do i start? also how good is the sucess rate against kensington?..i know how awkward & sly they can be. all help gratefully recieved.

hi elsa thanks for your reply...these letters were not computer generated...they were half handwritten by the girl that wants me to phone her back on her private extension....they both were.

ok ...update ..... it has now been 14 days since the cca was recieved...in this time i have recieved 2 letters from wescot both like this ........ Wescot" miss ********** ************road ****** ***** DATE 1/09/09 CLIENT: halifax DEBT NO:******* YOUR REF:****** BALANCE:£37**.** REFERENCE: full & final settlement £2800 we acknowledge receipt of your correspondance regarding the above account and have noted your comments. (lots of tick box statements ...none ticked) additional comments: please ring **** on 08** 82***** extension **** so , i havr recieved 2 of these letters but not cca...or anything like it...what should i do.? ...as i did read on another post that the 30 days grace period no longer stands ....

hi anuvid ...this was just a secured loan , a second charge maybe , but not my mortgage. they admitted to me that almost 1400 was charges which made my arrears enough to put me in the category of quick lets reposess... these charges can be reclaimed, like bank charges but faster. kensington are a joke, & i have told my solicitor to only pay them 13000 & not a penny more. just wanted to see if its something i could do , or if there was a letter i could write telling them i wasnt paying another penny more...thanks for your reply & also thanks, haD a lot of bad luck...think with selling my house (eventually) things might be looking up. )

well they dont have her new number, maybe thats why they sent a calling card. i will tell her just to ask them to leave & to contact her in writing. thanks mike770

hi seminole thanks for your reply. i will tell her just that.she will feel much better knowing she can just tell them to go away. thanks again

ok my friend got a letter with a card inside saying ... CALDER FINANCIAL. we tried contacting you without any success i confirm i will be calling on {date} between 8am -9pm she is worrying about what to do when they call.any thoughts ???

hi vint1954, new look statements eh....look a bit crappy to me lol. thanks for your reply. just thought it was strange that they sent it to me seeing as i have had no contact with them for so long.

sent wescot a cca for a halifax credit card last week. not heard off halifax for over a year. until today they send me a credit card statement saying i have failed to make the minimum payment. this debt has been to 2 dca now. this is a small paragraph from the statement .... YOU HAVE FAILED TO MAKE A MINIMUM PAYMENT Failing to make your minimum payment can mean that you have broken the terms of this credit agreement and could result in us taking legal action against you. It could lead to your having to pay additional legal costs ans make it more difficult for you to obtain credit in future. so is this in response to my cca request ??....seeing as this was pASSED on to 2 dca & i have had no contact from halifax in well over a year.... or do i wait to see what wescot have to say ??....slightly confused lol

ok ...giving it another go to see if anyone can help me ...

hi anuvid , thanks for your reply, not done too well with replies tonight lol. they said my settlement figure is 15k+ which is 1000 more than it was last year??....so i am only willing to pay them 13000 to clear the debt, we didnt even get 13000 when we took out the loan it was more like 9,000. yet the full amount repayable over the full term is 20,000 + ....i think they are tryin to have my pants down, i am disputing 2000. 13,000 is all theyre getting, just hope i can get it to that, any one any suggestions of what to say or to write ????.

ok , letter written, ready to post, hope i get somewhere with this

i sent off my letter to reclaim my charges over a year ago, ...i recieved a letter back stating they would deal with it but due to the oft case my claim would be put on hold but they would keep in touch. they did, i recieved a letter over 6 months ago saying that nothing had changed but my claim was on file. do i still carry on waiting for them to come back to me, or do i approach them again ??

anybody ????......

i was only in the area (unfamiliar territory) for work...i live in surrey & was driving there for a days work, not a clue where i was & got lost & swept up in the traffic. i was sure i had just missed it....looks like i didnt, so do i have to pay £185 ???

ok, i recieved a letter for london transport, statutory declaration-unpaid penalty charge for £185. the thing is , i didnt even realise i had entered the zone , i thought i had just missed it by turning...turns out i was wrong. so now i have this to pay, but i havnt had a penalty charge notice ...just this, is the congestion charge really £185 ??....i cannot afford this & dont know what to do, any help??

sorry that sounds silly lol...i mean do i have to pay what they say is an settlement fee, ..which includes charges & also it is more than it was when i requested one last year ...how can my bill go up..???......want to get it sorted but dont want to pay what they are asking for . any help ??? thanks in advance

bazooka boo....thanks for that. so isend them that & hope fopr the best???....i was going to accept their offer of a settlement figure to get rid of the debt but i dont see why i should use what little money i have to pay unlawful bank charges ...grrr makes me angry lol. thanks again

hi, no, i dont ...it was from last year, ...i just havnt paid them...i dont see why i should & already have a letter in to reclaim bank charges with abbey. these charges are with a dca cos i wouldnt pay them through the bank .

i had an acount with abbey...i got into trouble with bank charges. i ended up owing them over 350 quid for one months charges, which i couldnt afford so i stopped using that account immediately. they passed it on to a debt collection agency, which have been trying to collect for months.....now i think its a joke that they are even trying to get these back let alone hound me. ...i had a guy call at my door last week from the dca saying offer them a settlement figure....but after thinking about it , ithought , why should i , the charges are crap....so, do i have to pay them for the bank charges or not?.....thanks