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jlhmside

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Everything posted by jlhmside

  1. jlhmside

    MBNA Postcard

    Hello My boyf and I have bought a new house which we are currently decorating. I have changed no details with any banks yet as we havent moved in so I didnt feel safe allowing personal documents to go to the new house. I have just been up to the house and through the door is a sunflower postcard from MBNA stating that someone will call from the week beginning the 18TH August. How did they get the new address without me giving it to them? How do I stop them calling? I have written to them to try and negotiate a repayment plan (which I am currently sticking to) to which they havent responded. ANy thoughts?
  2. Hello guys wanting some advice/help Debt Managers have sent me a letter this morning saying they have passed my details to their solicitor and I am being taken to court for £1500 debt to Abbey. Thing is, last week I responded (the day I got their first letter) with a letter offering a payment plan and included my income/expenditure, the letter they have sent this morning said because 'I failed to contact them'. Do I send the letter again making sure it goes recorded? do I phone them? any advice would be most welcome Jlhmside
  3. sorry for the baliff thing thats what i thought it was!!! so i dont have to let them in? sorry for the ignorance!
  4. o thank god! well I am calmer now!!! Who do i contact then to change/put in place payment plan? No no ccj etc just default Thanks guys!!
  5. Hello I have posted on this site a few times regarding payments etc but this is a new one on me! I returned home from work to a hand delivered card from aa S Ferguson and saying they called regarding my capital one account. a number is there to ring within 24 hours to avoid further action What do I do?? the debt i have been paying off and its only like £120 left? I have been making token payments and have had no correspondance since my offer to do so. Where do i stand do i phone the number? do i phone capital one? the company is power 2 contact, electra house, electra way, crewe Jlhmside
  6. Hello I have posted on this site a few times regarding payments etc but this is a new one on me! I returned home from work to a hand delivered card from aa S Ferguson and saying they called regarding my capital one account. a number is there to ring within 24 hours to avoid further action What do I do?? the debt i have been paying off and its only like £120 left? I have been making token payments and have had no correspondance since my offer to do so. Where do i stand do i phone the number? do i phone capital one? the company is power 2 contact, electra house, electra way, crewe Jlhmside
  7. its a next acc for £280 that was in a payment plan??? and now i get this??? very confusing!!!
  8. i have just received the ollowing in the post... i confirm i will be calling between 5:30-7:30 if inconvenent please contact mr scott on 0870 050 1048 regards mr j white debt managers ltd 4 jamaica street edinburgh i hve no idea who they r or what to do when i phone that number it keeps on hold fpr ever help anyone??? yes i have debt but its all managed
  9. had four missed calls from 0151 4792300 anyone know who it is??? xx
  10. had a letter this morning accepting the payment plan- really wasnt expecting that at all!!
  11. They phoned this morning twice - they have been told not to phone!!! you'd think they would close at weekends! advice anyone xx
  12. Hi guys I received the following letter... Dear Miss L XXXXXXXX IMPORTANT NOTICE ABOUT YOUR ACCOUNT As you will be aware, as at June-2007 there was an outstanding balance of £97 on your account. The account was being managed on our behalf by EOS Solutions UK Plc. We are writing to notify you that the balance of your outstanding account has been sold to Albis on June2007. They will now be responsible for collecting the money due on your account and they have decided to leave the account under the control of EOS Solutions UK plc. All future enquiries and payments regarding the above account should still be addressed to: EOS Solutions UK plc 2 Birchwood Office Park Crab Lane, Fearnhead Warrington WA2 0SX Telephone: 01506 473 869 You should contact EOS Soluctions UK plc immediately to re-confirm your payment plan and next payment date. Default in payment may result in legal action being taken against you and further charges being incurred. Yours faithfully Well..... I have made payments to the account so I thought it was fine but was has tickled me about this letter is that it is addressed to Miss L XXXXX my first name begins with J? screw up on their side? is this right? or am I reading to much into it - eg they cant get my name right and not much else either?
  13. iv sent the letter today will let you know wat comes of it
  14. thank you for the advice and the template, will probably be looking for more advice soon!!
  15. payment is not due on the account till the last day of the month. I have made a payment every month they have had it. and i think i have been pretty reasonable. do I need to put anything specific in the Im unemployed P*** off letter? thanks again
  16. Hi thanks for the advice Il start drafting a letter to them now - just hate the way they use scare tactics to try and get more cash out of you
  17. Hi guys Just wanting some advice. I have a debt with Egg that was passed over to DLC collections agency. the debt got passed over in January 2006 and was for £3700, I have been paying DLC monthly payments that they have talked me into increasing they have had the last 3 months £72 a month which is wayyyyyy more than I can afford. They phoned earlier on (I expectd this call as knew they wanted to 'review' the monthly figure) and I said I wasnt in. What I am wanting to know is how do I get them to lower the figure a month. At the moment I am not working (although I am looking for work) and am only in receipt of tax credits. My partner pays all the bills etc but he has debts as well so we have no extra cash. any help or advice would be appreciated. Does anyone know how I could get Egg to handle my account again? Thanks Jlhmside
  18. thanks for the replies guys, it just annoyed me that they are now chasing me for a debt that they created not me if you get me? will start drafting a letter to them shortly.
  19. Hi guys Well I have an account with NEXT its been kept reasonably up to date but because of my credit score etc they lowered my spend limit from 300 to 100 bare in mind i was 280 ish on my acc - they are now threatening all sorts and demanding money which i dont have - but its their fault i am now in arrears as they have lowered the limit. can some one give me an idea of where to go next......... thanks Jlhmside:mad:
  20. really??? thats interesting! crap one is bloomin awful to deal with
  21. Hi guys Capital One have sold my Debt to Debitas Legal but my debt with capital one is still being disputed over charges they owe me?? I thought they werent allowed to do this or am i making that up?? jlh3108
  22. Dave, Thanks for replying!! I think its time to play nasty with them, I just cant figure out why they have sent this!! cheeky b*****ds! l let you know what happens have just emailed them to say i wanted it on file that i had tried to call them but there offce is shut!! Jlh3108
  23. Hello all my egg debt was handed over to dlc last year and i havent missed any payments i have been away a week and come back to a ketter saying to contact them to arrrange a visit?????? HELP!!! im payin them 78 a mnth which is more than i can afford!!
  24. hello all well im close to the LBA stage with Abbey, im after 1850 back for my current acc with them. So far they have offered me £395 - PMSL er NO! so i have sent the rejection letter. My question to you lot is do abbey eventually pay up. is the court stage worth the hassle and where the hell do i start. i havent had to go to the court stage with previous claims! Jlh3108
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