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michsienna

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Posts posted by michsienna

  1. thanks for that mate, honestly that is what he said, i felt so stupid on the phone, especialy when he aked why i wanted a copy of my credit agreement when i know the debt excists.

    i told the bloke, they sent me my application form instead, he dident seem that interested, he said i should get intouch with citizens advice becouse they know more on the subject then trading standards do, i said, citizens advice closed my file, becouse i took another loan out with provident last year.

    the bloke went on to tell me there are lots of debt help lines out there who will help me, i told him about this web site, he said he had never heard of it, so i suggested he logged on some time.

    he said to keep his number, and if capital one carry on the same, then they might be able to help,thats only if they do, do some thing wrong. xx

  2. hi everyone,

    ive just got of the phone to trading standards, i feel quite upset to be honest he wasent much help at all, he told me it doesent matter if the debt was sold on to lowells, i should of sent the request for my cca to capital one and not lowells, he said (john harris) that there is nothing they can do.

    i told him, what about the phone calls to my parents house, telling them i owe money-surly thats not aloud, he said hes unsure on that. (even i know that they ent ment to do that!!) and about the threatening letters i get from both lowells and hamptons, he basicaly said they are doing there jobs.

    i felt like bursting into tears.

    the man, said,at the end of the day, i do owe the money so why request a copy of my credit agreement in the first place.

    i read other peoples threads on this site,and how trading standards are interested in there cases and are helping them, but i was just made to feel so small,

    so i guess i have to start all again, and send a cca letter to capital one. xxx

  3. hi everyone,

    my friend paul and his friend was today refused a joint morgage with alience and lester. he is going 50/50 on a house with his friend,who owns his own successful buisniess,paul is employed and has been so for years,

    paul is now stressing believeing him to be the one,has to why they were refused this morgage.

    around a year ago he sold some funiture over the internet,to these people who paid by cheque,a week later the cheque went thru, and the money was in pauls account,paul withdrawed the money,it was about £1500.

    another week later the bank wrote to him to say the cheque had bounced,( but why they had put the money in his account????)

    this money remains in dispute with the bank, his account with them is still over drawn the £1500. but he never heared no more from the bank regarding this.

     

    could this be why he was refused his half the morgage today.

    apart from this problem with the cheque, he has good earnings no other debt and we checked his credt score which came back as very good,(4 stars out of 5)we have requested a detailed credit report, but i thought i might ask the good people on this web site if they might have any ideas what might of happened

  4. thanks guys for your replys, yes it is gonna be a joint morgage,his friend is self employed,he owns 2 sucsesful restaurants, paul is employed, and he earns a very good wage,and has been in this job for many years.

    another thing was his friend who is going half with, was gonna pay 10% up frount too. xx

  5. hi everyone,

    my friend paul was today refused a morgage with alience and lester. he is going 50/50 on a house with his friend,who owns his own buisniess,

    paul is now stressing believeing him to be the one,has to why they were refused this morgage.

    around a year ago he sold some funiture over the internet,to these people who paid by cheque,a week later the cheque went thru, and the money was in pauls account,paul withdrawed the money,it was about £1500.

    another week later the bank wrote to him to say the cheque had bounced,( but why they had put the money in his account????)

    this money remains in dispute with the bank, his account with them is still over drawn the £1500. but he never heared no more from the bank regarding this.

    could this be why he was refused his half the morgage today.

    apart from this problem with the cheque, he has good earnings no other debt and we checked his credt score which came back as very good,(4 stars out of 5)we have requested a detailed credit report, but i thought i might ask the good people on this web site if they might have any ideas what might of happened.

    many thanks michelle

  6. hi, thanks for replying,

    i phoned my local trading standards this morning,the call got divirted to consumer direct, i told the lady all about the trouble im having with lowells, she said she will get some one from trading standards to contact me, she said they are very busy at the moment and it may take up to 5 days before the contact me.

    sue..your right i did send a letter of to vanquis asking for a copy of my credit agreement, the debt collectors they were with then were called IMPACT COLLECTION SERVICES ive just found the recorded delivery slip, but... i got a big feeling i dident put the £1 postal order in it`,

    big thanks again for your help,michelle xx

  7. hi everyone,:)

    ive made copies of all my letters ive recieved from lowells(should i send originals or copies) along with copies of the letters i have sent to them, and recorded delivery slips, i know this is going to sound so dumb, but what do i put in the letter to trading standards?? sould i put in it, the fact they have gone over there 12+30 days they have to produce a copy of my signed credit agreement,the threatening letters they have sent me , and not forgetting the phone calls at my parents house,(which i moved out of years ago,and wasent even in debt when i was living there- they have my home telephone number of where i live now.)

    also today i have recieved a letter from a debt collectors called C.A.R.S creditlink account recovery solutions limited.

    it reads.....

    confirmed resident

    having conducted preliminary searchs our tracing division have confirmed your reidency at the above address.

    we have been authorised by vanquis bank to proceed in whichever way we deem appropriate, within the boundaries of the law to recovery the money owed.

    it is therefore imperative that you forward the full amount to the above address IMMEDIATLY by 1st class post.

    failure to do so could result in any one of these actions;

    1.instruct our local door step collection agents to make a personal visit to your home

    2.recomend to the client to issue a registered default notice against you

    3.instruct our litgation specialist COURTLINK to commence legal action against you.

    so what i have done is printed of a cca request letter and im gonna post it out tomorrow

    any advice on the above to do with trading standards would be very much appritated, many thanks michelle xxxxx

  8. hi everyone :)

    on friday i recieved a letter in the post from hillesden securities (acting on behalf of citi financial)

    they write to tell me,

    further to our letter dated 24th april regarding the above account i can confirm and advise the following...

     

    1.we are foolowing up your request for a signed copy of your original agreement with our client citi financial europe, when this becomes available we will foward you a copy.

     

    2.your account is on hold and all futher action has been suspended in anticipation of recieving the documents required.

     

    should you require any thing further at this point please contact me accordingly, i will update you on developments in 21 days if there are no developments beforehand.

     

    it then as the blokes name and direct number.

     

    i do remenber signing a credit agreement for this card, shortly after recieving it. about 5 years ago

     

    some thing els which ive decided to do, is make copys of letters ive sent and letters i have recieved from lowells and send them to trading standards,ive been reading other peoples threads who have done just this i dident have much luck with them when i emailed them, but im reading of people getting good responce when they send on the details.

    shall i send them details of all my debt collectors becouse they all went over the 12+ 30 days.

    also do i send this to my trading standards in gloucester or in the case of lowells to leeds trading standards where lowells are based???

     

    a big thank you to all of you helping me,it realy means alot,xxxx

  9. i.would like to say a big thank you to you all, my dads okay, we have sorted it for him.

    with my credit agreement i have recieved im going to write to the debt collectors and tell them my vertbaudet account is in dispute. and im going to send a S.A.R letter to verbaudet, any ideas on what i should write would be much appricated, do i just ask them to send me copies of my statements and send a potal order for £10.00 with this letter, i have seen the letter on this sitewhat to send when sending a s.a.r to banks, is it the same for catalogs??

    many thanks again for all your support and help it realy does mean so much to me xxx

  10. Hi Mich, glad to see you are still up for fighting the enemy;)

    YOu will find the S.A.R - (Subject Access Request) template you need here..

    http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

    ...it will need tweaking a bit as it's written for a bank account, if you need any help just shout. You will have to include the £10 fee (that is reclaimable, along with any unlawful charges) If you read the post underneath the letter template, Bankfodder has written some guide notes to help understand the process. Again, if you need any help, just ask. I've successfuly reclaimed bank charges 5 times, and also helped (still am) a handful of friends and family through the process, so have a fair bit of knowledge on it all:) (is that a good or bad thing? lol)

    If you decide to do this you can write to the DCA and tell them that your account is in dispute with vertbaudet (and until it is resolved your account will be on hold).

     

    ...getting back to the agreement you recieved, is there any way you can scan it and email it to me? I would love to see it, and I'm sure a few more members would too, as long as thats ok with you. It would be brilliant to have a 'proper' agreement for perusal, and a tremendous help to the debt forums.

     

    hi mate,:)

    thanks for that,i will write to the debt collectors and tell them im in dispute with vertbaudet.

    and i got the letter that as been written on this web site, thank you for the link.

    my dad was attacted the other night he was beaten up by 4 lads, becouse they threw eggs at his house and he confronted them,hes 76 years old,hes okay but since the attack hes a changed man,hes lost his pride. so at present im finding it quite hard to consentrait on getting my debts sorted.

    i am trying to get that agreement scaned and i will send it to you,and hopefuly put it on my thread, but ive not seen my friend who did it the last time in a long while.

    many thanks again for your help and i hope you will all continue to help me and each other, michelle xx

  11. Hi Mich, there's gutting that they have produced the agreement! :( If you are totally 100% sure this has all the precribed terms on, then, as far as I know, you will have to pay it. You do have some choices here though. You could S.A.R Vertbaudet, claim back any unlawful fee's/charges and reduce the debt. Doing this will put the account into dispute for a while. YOu can also write to them, explain your circumstances and offer a small monthly payment (only what you can afford tho!) template letters here if you need one... http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

    If you are willing, could you can scan it and I'll put it up like the last one? I think it would be of great help for other members to see a proper agreement.

    Chin up :)

    hi everyone,:)

    ive just read the above message and its got me thinking,alot of my verbaudet debt will have been made up by unfair charges, i foolishly remenber throwing out all my old statements a while ago, how would i go about S.A.R (i dont even know what it is,) should i just write to them and ask for copies of all my old statements

    many thanks every one helping me michelle xx

  12. bumping this up.

     

    can you scan it?

     

    does it have all the prescribed terms????

     

     

    the reason i ask is that ive never had a catalogue have a proper CCA agreement!

     

     

    hi kennyparkroad :)

    i cant scan it, but i do no it is one.

    years ago after ordering some thing from the catalog, after the item was delieverd i recieved the credit agreement in the post, to sign and send back to them. which i did.

    does it matter if they have produced my copy of my signed agreement, out of the time they had (12 + 30 days), that i still would have to come to some agreement with them, even though they took far longer to produce this agreement.

    many thanks michelle xx

  13. hi everyone,:)

    today ive recieved a letter from debt manager ltd acting on behalf a catalog called vertbaudet. the debt is for £1925. 76

    they have sent me a copy of my signed agreement.

    on it has the title credit agreement regulated by the consumer credit act 1974, it has all terns and conditions on it and payments etc.

    it is the credit agreement.

    so im guessing now, it doestent matter that they failed to produce this with in the 12 + 30 days, (its been nearly 2 months)

    i would be so very greatful if anyone out there could give me some advice, thank you so much michelle :( xxx

  14. michsienna,

     

    What is the Correct name of Impact Collection services and what is their address..... is it this address....if it is....they are not registered with the Information Commissioners Office as a data controller, both Impact and Vanquish are committing offences under the Data Protection Act 1998, see below the search I carried out on the Information Commissioners Office register.

     

     

    * There are no entries that match your search criteria.

    Registration Number ..............

    NameI Impact Collection Services Ltd

    Address 8 Barton Street

    Tewkesbury

    Gloucester

    Postcode GL20 5PP

     

    Organisation

    sub-division

     

    hi there:)

     

    the address i have at the top of the page reads...

     

    impact collection services

    p.o. box 57037

    london

    ec4p 4xw

     

    and at the bottom of the the letter in tiny small print it reads

     

    impact collection services is a trading name of vanquis bank ltd

    registered at colonnade

    sunbridge road

    bradford

    bd1 1lq

     

    consumer credit number 532364

    data protection registration number z767493x

  15. thank you everyone for your kind words of support :D , ive sent the letter of, so fingers crossed!!

    on saturday i recieved a letter off a group of debt collectors called impact collection services they are collecting for vanquis credit card

    when i applyed for my vanquis credit card i did so online, does ticking a box and typing in your name class as a signature for accepting the tearms and agreement in a credit agreement??????:confused:

    becouse i never have signed any thing pen to paper wise with these.

    the debt is for £621.91, and the letter reads about court action will be taken against me if i dont pay the debt in 14 days.

    what il do is send them a letter requesting a copy of my signed agreement and we will see what happens next.

    thank you again every one helping me,it all means so much :) xxxxx

  16. morning everyone:)

    today i have recieved a letter from lowells, the title reads notice of intention to issue a county court claim,

    then reads...

    take notice that legal proceedings are currently being propared to be sent to court for service upon you.

    should you want to avoid this happening you should contact us in the next 3 days to arrange settlement of your current debt of £363.33

    it goes on about what is a county court claim and what will happen to me.and tells me how much the court fees are and solicitors cost and interest making it a total of £476.47 that i will have to pay.

    please can any one help me on this on what i do now, i would be so very greatful i mean this from the bottom of my heart xx

  17. hi michsienna, it makes you wonder is any one listening???:mad: Ok I rang first, speak to another human being explain where you are coming from, it might make a difference, letters and emails come later once you have established hi its me a person:rolleyes:

    Once you have got there attention you can quote them in any correspondance with DCA's, and I have found it makes a difference, BUT be aware DCA's beleive they can do anything, and yeh it seems they can, when will TS OFT etc realise the DCA's are taking the mickey!

    I can not beleive you are really no further forward, and now your Mum has became involved:( I am so angry.

    :) hi remus, thanks for that i will call them on tuesday, it does make sence to call them first,

    it was embarrising having to explain to my mom why hamptons legal kept calling there house,i dident want to lie but i told her i dont know they are, and next time they call to tell them i dont live here any more havent done in years. (that still doesent stop them from calling there to ask my parents have they passed on the message to me to contact them)

    the joke is i never even had the debt when i was living at my parents house. they know dam well i live here and my home phone number .:evil:

    thanks again remus xx

  18. Hi michsienna, I went to OFT to complain about 1st credit, and they have taken it on board.

    As you have done the TS route, and got no satisfaction, why not try them?

    Happy to be corrected by anyone if I am making a misleading suggestion;)

    but TS are not acting on your complaints, and so information is not being logged/noted, and so nothing changes.

    Just a thought:p

     

     

    hi remus,:) oft,they were the other i complained too, i sent them a email,about all the trouble im having with lowell, and ive not heared a single thing back, i still have the message i sent them in my sent box. xxx:|

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