UPDATE: since my last post i haven't received anymore calls either from cap1 or debitas. I did think the situation over and at this point i ve reached an understanding with debitas and i will be making token payment to them on the clear understanding that i will reclaim the charges back from cap1 which in turn will massively reduce my debt maybe even clearing it out( I can't be sure of the latter but just a feeling.) A huge thanks go to the peoples that tried to help me, Tanz and company and i would like to apologise to the CAG forum members for my outspurt of utter rubbish!

thanks i will keep you all posted. sent a CCA to lewis debt recovery and a SAR to HFC bank, now just waiting to see what happens next.

Cool thanks again jeff and nannamoon.... Goes to sleep till 19th:grin:

Rang Royal Mail and asked for the whereabouts of that letter but even the nice chap couldn't say as they are awaiting confirmation. Is this another stalling tactics from b'card? By the way on the letter i sent i put the consumer action group sticker, so they will know whats coming.

Thyanks again jeff now i will wait and see. after the first deadline(19/03) they are in default and a month after that(19/04?), they commit a criminal offence is this right?

enaid what phone number did you use? i will try to go down that road

My partner sent a SAR to barclaycard but for same strange reasons on the postoffice track and trace website says: the sistem is currently unable to confirmthe status of your item with reference......... what does this mean? was sent on 26/02 first class recorded. Is this another of their stalling techniques?

Thanks jeff2000 and nannamoon Moorcroft is acting on behalf of studio so i would'nt think the y own the debt. I sent the CCA on 26/02 and been delivered 27/02 so the 12 working days are up 19/03 is this correct?

need some help understanding this... I had(maybe still have) a studio catalogue account which i haven't used for the past year and a bit, and at the time i'm pretty sure i cleared it and left it dormant. The other week i received a letter from moorcroft demanding payment for just under £100 for the above account. I sent a CCA request to moorcroft and received a Final Demand letter urging me to pay within 7 days or court actions. the seven day are up on the 6th march which is well short of the time allowed for them to comply with CCA. Now what is my best course of actions? by the way a SAR to studio has also been sent.

same thing happened to me but the circumstances were different. Talk again to your bank and ask for the fraud invegastigation team and tell them exactly what happened and tell them your authority was meant as a one off payment. Also tell them that lowell are refusing to provide the authority. They are meant to take action if nothing else they are bound to investigate.

tifla i received 2 charges like that (£30+£119) on the same calendar month. No wonder why i was always skint.

good Morning yesterday my partner and i had a long chat with yorkshire water. There were a county court order against us(many thanks go to the lady from C.A.B. for that), and decided to deal directly with them. Explained the situation(both of us unemployed and claiming benefit) and the lady at the other end of the phone understood and told us they could the minimum payment allowed directly from our benefit and she confirmed that was going to stop this getting any further(i.e. bailiff and that). This is just to say that they understood our situation and are willing to work with us. well done to them

Good Morning firstly I would like to apologise to all mods about my rant involving use of violence, I DO NOT CONDONE VIOLENCE AND I WAS WRONG THINKING ABOUT IT. I have made the point of this mess and i came up with some ideas and would like your input on this one. as i said previously me an hubby are on jsa and we do have other creditors. on our expenditure forms we have identified an amount that can be diverted to pay a little more. So here's the thought: Through C.A.B. debt management scheme i will be offering token payment between £3-5 to all our creditors, bearing in mind this is what realistically we can afford. Questions: WHAT HAPPENS IF A CREDITOR OR DCA DOES NOT ACCEPT IT? WHAT IF THEY TAKE US TO COURT?

Sorry for my rant the other day but capital one first and debitas afterward are not aknowledging the letters sent to them by the debt management person from Citizen Advice Beaureau. We are on JSA at the moment and claiming everything we're entitled to, we have another couple of debt as well and all we can afford is a token payment of maybe £1 maybe £2 a month but they just wouldn't accept it. Many times i have tried to negotiate on the phone and by letter they just won't budge, even sent them a expenditure forms, only to be told its not realistic! What else am i supposed to do?

cool so there is light at the end of the tunnel. oh well for years i ve paid this charges and never questioned them

Posted today the preliminary letter. Amount claimed is £1186.50 in charges+£103.24 in interest on the charges. Total £1289.74. The debt that i owe FD is £1289.45, would you believe that?

hi buzby and thanks for the answer i feel peed off as the stupid lad at the 3 store said that 3g coverage was going to be available within 6 months. i have used the phone for 7 months roaming on a 2g signal(it was roaming on o2) and the whole point getting a 3g phone was about being able of using the video calling feauture, and thats what trading standard has said.

Hi all i need some help with drafting a letter. Back in september 04 i signed up for a contract with 3 and i asked what coverage 3 had in the area where i live. The lad said within 6 months we should have 3g coverage. needless to say that as of today feb 07 we still haven t got any 3g coverage. I ve complained to 3 numerous time and also complained to Trading Standards about it and they mentioned the Misrepresentation act and they say i was entitled to rescind the contract. Yesterday i received a Final Demand letter from Buchanan clarks and weels asking me to pay the outstanding £112.34. I want to write to these moorons and tell them that this account is in dispute and has been since April 2005 and i would like to resolve only with three. Could you help drafting a letter? Many thanks.

Hiya everyone i ve just received the statement today. Total debt to FD is £1289 and when i totted up all the charges totalled at a staggering £1278 and the nice guys at DG Solicitors are now hounding me. I am at the stage to fill the spreadsheet. do i take them for the interest they added on the charges? By the way i have found out i have 2 overdraft fee at £30 each and 2 excess overdraft fee of £119 in a single month.

Well that didn't last long. we received a letter this morning saying that within seven days they will instruct a debt collector agent to visit our property. Faxed back saiyng that i revoked license under english common law for you ar anyone else to visit me at my property. (edit )

Peace at last! Finally the news has sunk in with both Debitas and Capital One. Sent S.A.R to Cap1 and CCA to debitas and since yesterday i am enjoying the cosmic silence interrupted only by my kids playing. A heart felt Thank you goes to eveyone that helped me achivieng this from me hubby and kids.

First thing in morning there will be a S.A.R. sent to the nice boys and girls at Halifax. This one is a little different as i will be claiming charges but the account was closed without anything owing. Let's see what happens. will keep you posted

Tomorrow morning a S.A.R (subject access request) is going to be posted to HFC Bank re Marbles credit card. I have officially defaulted on that and on a card of £500 limit i am expected to pay £900.... as if..... i have got the very nice people from lewis debt recovery trying to force the hand with scare and bullyboy tactics.... won't work with me.... i have a principle that diplomacy will get you always further... even when they threaten you with court and ccj. Sent also a CCA to lewis debt recovery but so far nothing(only 10 days ago). Will keep you posted

Although i sent a CCA request to debitas they are still ringing and harrass. I even signed a power of attorney document giving my husband power of dealing with them and sent it special delivery but they are disputing it has ever arrived, royal mail saying the opposite. What should i do? i have stated to 9 different operator(2 English+7 foreigners) that i dispute the account and they still chasing me. Please help

no i heven't received the statement yet and i owe them about £1450 more or less. In todays letter after making 2 payment totalling £6.00 the outstanding balance has been reduced at just under£1200. Strange. ON a rough calculation thecharges applied to this specific account would amount at more or less £600+. So what course of action should i take? I will continue paying the agreed token payment.