I have done something strange here I have a message from Cerberutsalert and I can't read it on my thread also everything on this site is reduced in size, also when i click reply it lights up with a red broken line box around it?? any suggestions? Mashmallow Sorry to be a pain

Hope you can read this attachment. Regards, Mashmallow ARGOD DEFAULT.pdf

I have attached it as an image after a few goes, hopefully you canread it. Thanks Mashmallow

Image hosting, free photo sharing & video sharing at Photobucket How about this one??? Regards Mashmallow

Here goes, Sorry I am being a pain I have uploaded on photbucket but do not know what link to insert or how to, please help. Mashmallow

How can these plebs carry on like this when a a law is in place throws me, what is the point of people fighting for their CA when you have monkeys around looking for nuts. Mashmallow REGARDS TO EVERYONE

Ida, Aint got a clue how to do it I have got a scanner but a bit thick. Mashmallow

Received letter from Argos they have issued a default notice now despite my request for the original credit agreement what do I send them now??? I know what I would like to send them. Mashmallow

Just to let you guys know Moorcroft has passed the debt back to Tesco advising me they are unable to comply with my request???? What now. Mashmallow

Thank you kindly you both I will send it off, thanks, thanks. Mashmallow xxx

My last payment to the CCCS was about2 months ago, so I guess it was due and i was paying £14.00 a month, now they want the whole lot. The loan is over 10 years ago for a blue credit card Mashmallow

Hi anyone, Got a letter from Westminsters Solicitors chasing a debt I owed from many years back for American Express. I was paying them a reduced amount through the CCCS and then they advised me to deal with my creditors myself as my wages are low. The debt disappeared a while off my statement from CCCS and now they have sent a letter 'Notice before legal proceedings' and upon judgemwnt enforecemnt action will betaken such as attachment order on my salary, warrant of execution by the Baliff or charging order or bankrupcy, they are out for the throat, do I send them a CCA request? or can they just go ahead and do what they threatend? Mashmallow

Thanks for replying I will do. Regards, Mashmallow x

I had a loan with the Halifax (RBS) years back it was controlled by the CCS for a few years which I was paying a reduced amount. About a year or so ago the debt did not appear on my statement from CCCS and i telephoned them and asked why, they did'nt know either. I thought it was strange but also they could have just wrote it off. I am not with the CCS now and now I received a letter from Fredricksons chasing payment for the outstanding amount. Can they do this, and what can I do? Mashmallow:-|

Please give me the link to sign also I will send it around my work, I am Burmese and I know of what they did for the British. Mashmallow

Hi, Got a statement from Argos despite sending letter that Cerb advised, asking for payment what shall I tell them apart from bog off? Regards, Mashmallow

HI Sillygirl, You are a very clever girl, I cannot believe that these companies are allowed to trade, yes I agree I have had their money but peoples lives change and the older I get none the wiser I get. When it comes to government stiching up their own people, robbing them basically and now because they are caught they put their hands up. Years back we were all fooled to be charged by the banks, loan companies, mortgage brokers etc., it is only because one person said enough is enough and thank god for that. We live and learn. Sorry if I have gone on too much but I am so pleased I have joined this site and thanks for the many people have helped me through. I will send a letter to the OFT to complain, but I don't know what letter to send them,can you help please. Many thanks and appreciation Mashmallow:roll:

Thanks I will but they will ignore me no doubt, he more or less threatned me with alternative ways of dealing with me because i was not co-operating with his demands, is this not harrassment. I even told him about the laws and he said it was not harrassment! the only way to deal with these clowns is to wack them one when they come round. I even told him to take me to court - he reckoned he was trying to help me. mashmallow

Had a call from welcome today at work with a rep from Edinburgh. He started off quite calm until I said to him I will only deal with them in writing as 1 cannot record conversations at work. He then carried on asking me to write with an expenditure list also copy of my bank statement and payslip to agree to my offer of £20.00 per month. He then started questioning me on why did this sitution get to this stage I said because I have other debts etc. He then said well it is not there fault if people want to spend more than they earn. I said that i would rather he did not call me at work and send people round my door as it would be classed as harrassment he denied that it would be harrassment. Finally I said I would and don't have to give him my personal details just my reason for lesser payments and take me to court. I then asked him have you read what people are complaining about your bullying tactics etc. He then said Ok we will do it another way as I would not do as he asked. What can I do about this also are they entitled to see my personal details as he said I supplied it when I took the loan out so why not know??? Regards, Mashmallow:eek:

Charlie, I sent an SAR to them 27th April which they replied 1st May stating they would be compiling a full file on all the data which should be received in 40 days, then they go on to say original credit agreement or statement may not be held on file by Cabot and that we contant the original lender. Then on the. Then on the 8th May two letters same date your payment plan has failed - it is vital you contact us? I should really ignore them I really fell like ring them and screaming down the phone but I will only stress myself. These people are really sick in the head. Thanks for your reply. I have another letter I am firing off that Cerberusalert advised and will keep posted. Regards, Mashmallow;-)

Cerberusalert, Thanks for this once again, I actually sent them an SAR I guess this would applie as the same? I will send it recorded delivery. Best Regards, Mashmallow:)

Got tweo letters from Cabot asking for payment despite sending SAR? what do I send them now please. Mashmallow:???:

Thanks for replying, I sent it to the Edinburgh branch as told on this thread??? shall I just send the letter that deathbycrayons advised? Thanks Mashmallow

got a letter from Cap one saying ' As I've already explained inaccordance with section 78 of consumer act 1974 we have provided you with a copy of your original agreement bla bla bla. I can confirm that your credit agreement complaied with the cca 1974 and is in the correct format. We note your reference to CPR 31.16. You will be aware that any request for pre-action discolosure under this rule must satisfy the criteria set out at CPR 31.16. Any application made to the court seeking such diclosure will need to be accompanied by evidence why the criteria are satisfied. You have not yet provided us with sufficient information as to why you believe that your request satisfies these criteria. With out this info we are unable to consider your request further. Your account status remain defaulted and b and the balance currently due and payable is ///////' What does this mean??? please anyone they are denying this or what? What do I send them now, please can anyone help,?? Mashmallow

Thanks you for you advice I sent the letter to Edinburgh. But i WILL SEND THE LETTER as you stated. Thanks my friends. mashmallow