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mysticpols06

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  1. Hi all, Have been reading thru diff threads last couple days & didn't wanna tread on any1's toes figured should start a new thread in order to fill u all in & hopefully gain some advice - PLEASE PRETTY PLEASE!! I took littlewoods cr/cd (Barclays) approx Oct 02. Family circumstances changed (as they do) eventually had letter from 'Mercers' " acting as agents for Barclays" with default & request for outstanding balance Sept 07. Hubby involved free organisation 'DAWN' (They were really good) who did the whole holding, financial statement & pro-rata letters thingy which was accepted by all cred's. Nov 07 letter from Cabot "The cabot financial group recently bought account etc etc with interest charged at xxxx" (bog standard letter it seems) & the SAME DAY (ironic) letter from barclays stating "we hereby give notice of the assignment of the debt owed to us...direct payments/queries to Cabot". I contacted them (i know i know - prat ) - arranged standing order for same reduced payments prev agreed with barclays & was told to ignore the automatic default that would be sent the next month & that interest would be frozen. 5 days later received arrears notice & the default received dec 07 which i ignored as was told to. started to get monthly statements incl interest that they HADN'T frozen. Have cont' to send regular updated fin' statement/payment offers etc to ALL creds at 6 monthly intervals & still asked them to stop the int - they didn't. No probs until (this is where fun starts) Sept 08 letter stating - "review of your acc - you are making payments that are less than the original contractual repayments required under your credit agreement. As a short term arrangement we relaxed the terms of your original agreement which we could enforce at any time to suit your needs. we will continue to honour the the repayment plan but advise you if you keep making payments in accordance with it we will have to serve a default ..yada yada.." (seemed like damned if i do make payments damned if i dont) So, i cont' to make the payments obviously not having the spare cash to make up any apparent arrears. Oct 3rd got default notice stating " had breeched payment clause under credit agreement by not paying min contractual amount required & to pay all outstanding arrears by 23rd to rememdy breech". I was in middle of sending balance requests to all creds ready to update the whole fin' statement etc that we do & have refused to ring them or speak on phone since they got crappy again. Oct 15th - letter received " notice of arrears" - basically pay all arrears in full or default/court action etc etc - but still make sure u cont to pay any agreed payment plan amounts. Oct 29th - letter received " your agreement is terminated" because " you have not comp[lied with the default notice and payments to your credit agreement have not been made at the minimum contractual level despite reminders..etc etc..pay in full immediately & in addition your acc status will be reported to the credit reference bureux" Am peeved that they have continued to add the interest even tho they said wouldn't (they are the ONLY one of mine or my hubby's cred' to have done so), I know i prob need to contact them but i really not sure as to what to put because they at least want arrears out of me if not the full amount which they are expecting i refuse to come to the phone or ring them back. Main thing bugging me is i never signed an agreement with them so i assume they are refering to the agreement i had with barclays? can they enforce that? thought made sense to fill u all in as much as poss. Am not sure how much time i have really before next step (not sure what it is) will occur. Got last letter on sat (1st) - quite ironic actually that they have decided to terminate my agreement almost a yr exactly to the day that they bought my debt. doh!! Ok. thanku in advance lovely people & i'll hush now. Jx
  2. Hiyas - 1st time posting - be gentle wit me Received letter thur zackly same as urs amanda just a bog standard "sorry u dissatissfied - complaints procedure encl blah de blah etc" telling me would aim to resolve issue by 20th march. Am kinda assummin that should reply adding thanks to the positive response etc but that we ave set the deadlines not them and that they actually only ave approx one more week b4 2nd letter issued allowing another 14 days to respond - also - surely should comment in our reply that in fact we not filed a complaint but ave simply requested back whats owed, so they must unfortunately be confused (heavy hints of sarcasm at this point Lol ) Anyways, would be v. appreciative any advice/comments pls? Many thanks peeps, x
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