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bluedannyw

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About bluedannyw

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  1. Thank you Brigadier. I will send the letter and await reply. Just checking their paperwork and it seems like they are responding to a cca request. Which is not what I was after.
  2. Thank you Brigadier. I have only checked experian and nothing is showing on there. That was about 6 months ago. I will send your letter thank you, but if they do try to claim again who do I write to pass their details on to.
  3. Hi Brigadier,This was the response from the SB letter.They have not mentioned anything concerning the statute barred aspect of the debt.Their previous response was to try and use the £1 CCA request as a payment to the acount thus making the debt not statute barred. I pointed this out to them in my last response and proved that even after the cca request the value of the apparent debt hadn't decreased by this £1, so shows even the original creditor had not believed this was a payment.So I have told them twice it is now statute barred and they have continued to harass me, so I need to report the
  4. Update:Back in February I had the usual "your account is now on hold while we pass your query back to our client" letter from Debt Managers ltd.But today I recieved a letter from them saying the debt it is still owed, and they have also provided my original credit card application form and a contract that was typed up by Mint card after I cca'd them back in 2007.Also there is a statement from Mint card of November-December 2012. This says i owe them about £100 less than any statement I have seen before.But the letter from Debt Managers still shows the same amount that it always was.The stateme
  5. I sent the letter off earlier, but I have just checked my records, there has been no payment to the account since February 2006. Funny enough despite them trying to claim there was a payment made to the account in July 2007, the balance hasn't been reduced by £1. I h.ave letters proceeding July 2007, back to 2006 showing the balance hasn't changed. So they havent taken it as a payment towards the account anyway. Game, set and match.
  6. Thank you Brigadier.Yes it will be a copy, I have all the letters in word document saved in 3 places for safe keeping
  7. Thank you SequenciShall I enclose the original letter? As this will prove i'm correct.Dan
  8. Hi, In January of this year this apparent debt became Statute Barred, I then starting receiving letters from a company called"Debt Managers Ltd" saying Arrow Global had purchased this debt and now they were collecting for them. I sent them a letter back stating that this debt must be statute barred and it was for them to prove otherwise. I recieved a letter today saying that I last made a payment in July 2007 which is untrue .I have sent endless CCa request's since 2007 and have still not recieved a valid credit agreement .It turns out that the very first request
  9. I haven't dared check my cra file lately. But I was led to believe any details of missed payments were applied to the file. Also every time an account is passed to a new company (ie debt collector) they then added there two penneth saying that they hadn't been paid either. I must admit i'm not too sure how it works, once one debt collector passes the account on does their input get added to the file? Because I have some existing debts which have been passed from one debt collector to another other the years, so do they have a list of non payment to all of them??
  10. Thanks DX, Oh i'm very diverse in the world of dca's, I think I have had dealings with more than half of the companies working in this country.I am just so annoyed, I will be writing to top up tv to pay them and give them a piece of my mind. I just wanted to know if I can make a complaint against them for passing my details over when they have never billed me? and who to? Surely its against the data protection act 1998? I'm more worried about them passing my information such as my phone number to other DCA's. I have already changed my mobile number once to stop harrasment in the past and now
  11. I cancelled my direct debit with Top up tv expecting them to just cancel my service. I then recieved a letter from top up tv asking me to call up a given number to arrange my direct debit. I called the number, but the number was no longer valid, an altenative number was given but when i called that i was left waiting for ages. I believed that this would only be a way for them to try and talk me out of cancelling. Then i started recieving text messages from Westcot services asking me to call them. I have had problems with debt collectors in the past so was not 100% sure what
  12. Thank you Sillygirl, DonkeyB and Andyorch for your help.The link to the thread is exactly the same as mine, even the transfer dates of May 13th and the payments date of Dec 2010.I will read through this entire thread, before acting, but I believe its time to go for costs.Do I need to write to Phoenix Recoveries or our mate Bryan? before writing to the court?Or do i need to fill out an official form for costs and send to the court who will inturn send to Bryan.
  13. I have just read the last correspondence recieved from the court, which acknowledged the reciept of my defence. It says the claimant had 28 days to proceed with the case or the case would be stayed. So this must have happened, so no if this new company wish to bring me to court they will need to proceed with a new case which surely won't look good if the last one is still stayed. Is there any action i can take against Phoenix Recoveries for passing on a debt which is in dispute and has been stayed?
  14. What does confuse me about defending the original claim is that i submitted my defence and then recieved the letter from the claimant saying they were not proceeding. However on all legal websites it says as soon as i submit my defence the court will send out allocation questionnaires to both parties. i never recieved one from the court, so the claimant must have contacted the court to say it wasn't proceeding? and then.surely this would mean the case was discontinued and not still active as the mcol says????
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