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michsienna

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Posts posted by michsienna

  1. hi again, today i received a letter from CALL SERVE LIMITED, (acting for it reads on the letter for debt managers ltd-for my debt from a catalog called vertbaudet i owe £1925.776)

    on the 4th this month i sent them a cca letter,and the letter about debt collectors are not to call at my house unless they have made a appointment with myself,or they will be seen to be trespassers,i sent them fisrt class recorded with a £1 postal order. i checked with royal mail and they did recieve this the next day.

    CALL SERVE LIMITEDS letter reads i have been ignoring them and they are gonna instruct one of there local collectors to call round my house to get some form of payment from me. it then goes on to say they might go on to proceed with legal action for recovery through aylesbury county court (aylebury is where they are based)

    they have a website should i contact them on there website and tell them about the cca letter i sent them. i know i sent the the letter correctly with my full name and address along with my reference number. at least i know they did recieved it.

    when i went on to the recorded delivery website and typed in the code on the recorded delivery slip,it came up has recieved (5th april) and i printed a copy of it off. :confused: xxx

  2. hello everyone,today i recieved some letters in the post

    the first one is from DEBT MANAGERS LTD they are now acting on behalf of littlewoods,i sent my cca letter to the debt collectors littlwoods was using last, called NDR, becouse i had only just recieved a statemant/letter from them,now they have changed debt collectors do i now have to send these new ones a cca letter?? ( i know for a fact i never signed a agreement with littlewoods)

    the second letters are from LOWELL FINANCIAL (a debt they bought of capital one) the first letter is dated the 11th april,which is a final demand letter,it goes on to read, my account is now with the pre-litlgation department, i am to make them a offer of settlement or set up a monthly payment plan.

    the second letter they have sent me was sent out the next day 12th april. this letter is to confirm they got my cca letter and are currently in the process of contacting the original lender (capital one) to get a copy of my agreemant.

    i was just thinking to my self....

    why dont the debt collectors already have this infomation (copies of agreement,when they buy these debt of these companys??

    A BIG THANK YOU EVERY ONE HELPING ME,IT MEANS SO MUCH XXX

  3. hello everyone today i got 2 letters in the pose both from BUCHANAN CLARK + WELLS. ( ace cards and gifts catolog) the first letter is to tell me that they do not hold a copy of my credeit agreement at there ofice,as they are noy the creditors. they have returned my £1 postal order i sent them and have also wrote they are putting my account on hold.#

    the second letter from them was posted to me the next day, which reads, "i can confirm that i have arranged for a copy of the invoice to be sent to you, this will be with you has soon as posiable."

    invoice??? is this my agreement, and am i still in counting the 12 days plus 30 days when it can become defaulted. xx:confused:

  4. hello im not sure if what im writing is at all related to what you guys are on about,but i owe hsbc alot of money from way back, ive had metropolitan after, until yesterday i recieved a letter in the post from a group called nco,they write....... "we have been instructed by our client FV-1 to recover the out standing balance of £1589 previously owed to hsbc", they give me a payment hot line for them selfs and a contact number for FV-1 which is 0870 152 5680.

    i phoned nco and asked if the debt had been sold on (becos im currently trying to get back all my unfair bank charges from hsbc,which is just over £1100, and i dont want hsbc taking that money to pay my debt.....i have other debts to) a bloke told me, the debt had been sold on to fv-1.

    does any one know the likely hood of my getting my money?? xx

  5. hello everyone, today i sent off the cca letter to some of my debt collectors,

    BUCHANAN CLARK + WELLS (ACE CARDS AND GIFTS)

    NDR (LITTLEWOODS)

    LOWELL FINANCIAL (CAPITAL ONE)

    RUSSEL + AITKEN (VERTBAUDET)

    Ive also sent a letter explaining they cant come knocking at my door unless they have a apointment,and im only prepared to communicate with them in writing.

    i put a £1 postal order in each and sent them all recored delievery.

    tomorrow i will post letters out to the other two........

    it feels so good to be taking charge of all this now. thank you again to all who have been helping me xxxx:)

  6. hello everyone,thank you all so much for all your kind support.

    some thing i dident mention was i contacted one of them "claim back your unfair bank charges companys" (they do all the work for you) becos i had all my old bank statemants from HSBC,and noticed i had payed alot out to them in overdraft fees etc.

    i did this before i had first been on this website,(about 2 weeks ago)becouse i wasent sure on how to go about doing it,so i thought i would try out my luck.

    it wasent till after i had signed the contract giving this company permission to act on my behalf,i realised that this money (which this company worked out to be £1300 including interest) might be used to pay off my out standing debt i have with HSBC. arrrrrrr!!! i thought,then i will end up oweing this company money,they take 25%. But today i have recieved a letter in the post, from a company called NCO, which reads,"we have been instructed by our client FV-1 to recover the outstanding balance of £1589 previously owed to HSBC" so i phoned them and asked if the debt had been sold on, a man told me yes FV-1 now own it.he was trying to get a agreed payment of me,i told him that wouldent be possiable becouse im in dispute with the bank,he was rather rude and hung up on me.

    does any one no what might happen now,i would love to get my money of the bank, but will it be used to pay of that debt????

  7. thank you every one for giving me your advice,you have put such a smile on my face,its so wonderful to know that there are genuine,kind people out there wanting to help others,

    ive been reading with much interest, i couldent get the letter templates to come up on my screen,my pc kept saying errors, also sorry to be demanding.... but is there a full cca i could paste and copy,becouse i dont know the full act word for word, and i will make a start and send my debt collectors this letter, along with the letter that priorityone whote out for me,for the debt collector who supose to be visiting my house. thank you all so much again this means so much to me xxxx

  8. ive been so foolish by ignoring my debts,after reading your website ive realised i need to sort them out once and for all

    it all started by taking out a loan with HSBC,when i stoped paying them,i was contacted by a debt collecting agency called METROPOLITAN COLLECTION SERVICES, i owe them £1605, but its been nearly a year now since i last heared from them.

    I also had a credit card with what use to be called diamond which is now called CITI FINANCIAL, they passed my debt on to "DLC" direct legal & collections, the debt is for £1525, the last letter i can find from them was dated march 2006,they claim to of been instructing there solicitors to issue legal proceedings against me

    Another credit card i use to have was from CAPITAL ONE the debt is for £363 and debt collectors for this one are called LOWELL.FINANCIAL LTD, the letter tells me that LOWELL PORFOLIO I LDT now own the debt but the other lowell are collecting it.

    i also use to have a BARCLAY credit card,i owe them just over £400,but ive not heard from them in a long while,so im unsure whats going on with that one.

    im in debt with a few catolog companys too, the first one is LITTLEWOODS, i opened my account with them online,they sent me a agreement to sign and send back i never did this,but yet they kept my account open and every 3 months put my credit limit up. in the end the repayments got to much,and i stupidly stoped paying them , i have now been recieving letters from "NDR" NATIONWIDE DEBT RECOVERY LDT, the debt is for £1165,i started paying them what i could,but some thing i noticed on a statement they have sent me,(ndr statement not littlewoods) is im getting charged extra care advantage £23 a month, i have no idea what that is. the last letter i have recieved from them says that they are about to register the default on this account with a credit reference agency.

    the next catolog is VERBAUDET,im unsure if i signed a agreement with them, the debt is for £1925 i have 3 different debt collectors who have contacted me about this one,the first was DROYDS DEBT & COLLECTION SERVICES, then at the begining of this month i had a letter from RUSSEL+AITKEN SOLICITORS DEBT RECOVERY they go on to say they have instructions to proceed with immediate court action. then a few days later i recieve a letter from CALL SERVE LTD who say they have been instructed to recover all money owed,

    the next catolog is called ACE CARDS AND GIFTS ,i owe these £1621, there appears to be 2 different debt collectors for this one the first are called BUCHANAN CLARK + WELLS,who wrote to me in january saying they are sending some one around to my house, the next one is ROBINSON,WAY & COMPANY LDT DEBT COLLECTORS, who i recieved a letter from this month,they also claim to be sending some one to my home

    Also a long time ago i joined a book club online,again i never signed no agreement with them,they have sent me a letter from a company called COMPUTERISED DEBT COLLECTION AGENCY LTD,saying i owe them £110,i bought so many books from this club ,i have no idea why they have got debt collectors on to me.

    i do have another credit card with VANQUIS ,which iv gone over my limit,and i also have a loan out with PROVERDENT PERSONAL FINANCE,they call at my door every week for there repayments

    As you can see ive been quite foolish by ignoring all these debts,while writing this i dident realise until now just how much i owe and how stupid ive been,im so upset,im a single mother to 3 very young children,i just dont know what im going to do,if any one out there can help me i would be very greatful:cry: :( :(

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