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ricky1

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Everything posted by ricky1

  1. well i have today got a reply. they have replied with i must contact egg and supply the one pound charge. now one mind says to ignore this letter and the other says reply again as this is a debt that i deffo do not know about so a bit concerned tbh. what do you think is best?
  2. wonder if people can help me with a default i have. the bank sent me the default letter a long time ago and i have sat on the letter hoping one day ill be able to get it removed from my CR. the letter is dated 17th may 2006 and request payment by the 31st may 2006 what gets me is ther letter states i must pay £0.00 now my CR says the default was placed a year later in 2007 on my file. i dont remember paying the default account or making any agrement etc can the banks reissue a DN and if so under what reasons?
  3. Thank you, i shall up date if i get a reply
  4. thank you for the link i shall get the letter of in the post, am i correct is saying that its cap quest that has to supply this as they are the ones demarnding money from me and not egg Cheers
  5. right i have now got a reply, they have said i need to contact the main people that supplied the credit and not gap quest. is this correct? also they have sent another letter saying they are going to issue statory demand can this be done while im desputing the debt.
  6. right got a letter from them for an accoutn i know nothing about and sent them the letter m from template saying i know nothing about the debt, i got a reply asking if i knew an address which i didnt and sent a reply saying that i dont know the address. i didnt get a reply for a few weeks and then got another one out the blue saying that they would give me a 30% discount on each payment i make if set up a payment ASAP on the account. they have not sent me any copy of the agrements or any thing about the account could someone point me in the right direction of what i should be doing next? Cheers
  7. would have to find it to scan it mate, not sure where it is now as it was a year ago they gave it to me. just wondered if there might be another way get them removed ie like asking them but dont hold out hope
  8. wonder if any one is able to help i have a default on my credit file for a credit card which was place bac in 2006, the credit company still have a copy of the default as they gave me a copy when i was getting my bank charges sorted. the account is now settled about 6 moths ago, but wanted to know if there is any way of getting this default removed cheers
  9. right well phone them today and offered 60% my first offer by past a few months back was 30 % that got rejected the accepted the offer result, paying over 3 months nice one, just waiting for the confirmation letter from them. as for the doddgy default notice, the one they sent me said you are in arrers of 0.00 and must pay 0.00 py the 1st march 2006 the letter was dated the 1st march then they sent another one out 2 months after that with the details filled in haha, but i never got that one
  10. right after nearly 2 years or fighting halifax to get my credit card bank charges back they have finaly agreed to repay the full 1k back on the card lol so now im left with a account that is default on my credit file and 1000 pounds left to pay the account is with BOS, now any one dealt with them for the F&F offer ie whats the lowist they would take on the 1k remember BOS i have been paying for 2 years now. I phoned them a few weeks back and spoke to a guy there asking about getting the default removed (theres a error in the defualt issue notice) and asked about a partial settle ment once the bank charges had been paid on the account and was told that i would get away with offering 755 pounds. will i be able to get lower?? oh before i forget they have supplied me with all the agreements etc so no way out doh lol cheers
  11. ok thank you i wanted to make sure before sending another letter that i was right in requesting the default removal i will send a letter 2mo and fight all the way
  12. hello no it was there offer before court, and tbh wasnt that far of what i was asking any way. the cash has gone onto the account which is with Blair oliver and scott so i wont be able to touch it im happy with the money but one they have not done what i asked and two they refusing to remove the default
  13. did all my bank charges reclaim, got an offer that i was hapy with cash wise so i replied accepting the offer but only if they remove the default from my credit file and send the refund in cheque and not paid into my bank account now they have put the money on my account, and have sent a letter today saying the will not remove the default and cant send a cheque. now before i start making myself look sily sending them another letter, am i right in saying my complaint is not complete and as they have not agreed to what i have asked for within the refund then i still have a case any help please
  14. littlewoods problems any advice!! right wife has a littlewoods account, she ordered some stuff for a cutomer, all recorded on the account thats its a customers delivered direct to there door etc etc, total was about 700 pounds worth off stuff, the person was paying the bill right up till the day she lost her job,which was in feb this year, so we sorted it out that littlewoods would change it to her name etc etc now littlewoods have been no help at all, they send a form out to the cutomer she filled it in and sent it back, one department says they recived it the other says they have not. 2 weeks ago they sent a letter saying they have closed it down as they had not had a reply from the first letter sent. they clearly have had it as one department says that had it wife phoned them up on monday with the customer there to sort it all out, they said they had to send another letter to the customer, i have just spoken to her as she is worried as she has not recived the letter any help and advice of what i can threaten littlewoods with cheers
  15. wonder if any one could help i have a so called friend, i have let him store a car in my garage and he agreed to pay me to store it in there, now the problem is i cant get hold of the guy, i only had an email addy and mobile number, and only the area that he lives in i have been unable to get in contact with him since the start of the year and he put the car in my garage start of december the idea was for him to store it in my garage while it would be fixed by xmas and then moved out. also to add to it the guy owes me money for parts he has fitted to the car that he has not paid for where do i stand on getting the car moved? Cheers
  16. well an update for you is that citi card have said they have now posted the statements times by recorded delivery but i have not recived them yet, and i keep phoning them every 2 days wednesday is the last time i will do it and then just report them. as every time i say can i have the royal mail ref number they just hang up so i smell a rat some where lol
  17. cheers m8 the best part is they cant take my house as im rentingfro the local housing, i will be writing back to them telling them they might want to responed to the letters with there reff number they have supplied, and see how iget on all i want is them to stick to there agreement of not charging me intrest, so now its with temthe DCA i wanted to know if they will still chearge me intrest
  18. cheers for the help will see what they play at first, they have sent me a letter saying contact them, but like hell am i phoning them
  19. its not that i cant afford it etc, the account was ment to have been on a repayment plan etc were they agreed not to charge me any charges or intrest, i stuck to my plan with a standing order for each month but they didnt, so the start of the year i called them complained to just get ignore so i have chosen to stop paying them untill they respond i have request in the past from halifax the cca and for my statements they have sentme my agreement which is correct as i changed my signiture after singing that agrement but have not seen my statements as of yet.
  20. hello i have been sent today a letter from blair oliver and scott re a hlaifax credit card that i have havenot paid for other reasons etc what i would like to know is now the account is with BOS does that mean halifax will no longer charge me intrest on the account?? Thanks
  21. i had the same thing with mine so will be intresting to see the out come
  22. thank you for the reply yes please if you could move it to a new location to help me get a better response so i have 12 working days from when they resive it as i sent it recorded and the a further calender month to respond then they can be reported??
  23. hello all i have sent cca letters to the banks back at the start of april requesting a copy of my agrements etc and attached my 1 pound cheque, some have been cashed and one has complied what i need you help with please is where do i go from here, when oes it become and offence for that they have not replied 30 days from when they signed for it or 30 day after the 12 days thank you in advance
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