Hi Chesh and Morgana Right first off, don't worry about these clowns... Can we have some details, what is the debt for ???? as for court it's probably a million miles away yet...if ....ever. Doe's moorcroft own the debt or are they acting on behalf of the OC. If acting on behalf they will not be able to do anything.... Now first off.... PAYMENTS BY STANDING ORDER ONLY,,,, request from them there standing order details, if you have a problem I have those clowns details.... Have you access to internet banking??? also is this £10.00 a month stretching you, because if it is do your income and expenditure and reduce if necessary even to a token £1.00, they will huff and puff but guess what,,, they can do nothing. I have delt with these clowns before and as people on here will tell you, use there letters for hamster bedding, better still post its if the back is blank. THE PRE-COURT DIVISION IS PRE-SCHOOL DIVISION MATE. Now, find proof of those payments and withhold from those clowns until they investigate where your money has gone. Read IMS post above,,, THEY CAN DO NOTHING.... SORRY IF WE HAVE CROSSED IMS

Yes you are correct Brig,, bankruptcy is not like a CCJ, it has implications for your future so all has to be above board.. To be honest and that is my own personal feeling it is bluff and bluff unless they know Marsh has hidden assets what's the point in making her BR. !!!!!!!!! it will cost them an arm and a leg... It is totally MARSH's decision, but if she is a householder with equity in her property then get the set a side in... Me, I pray I get one of these because I will be straight on the blower and ask them for a date and will buy the coffees for there legal eagles down at the courts...... It would save me £600 and wipe my £40k of unsecured debt out, sod the consequences look at all the rich and famous who have been past bankrupts..

after one of my special smoke's,,, even a mooooooooose may look appealing yo

It seems it is this ping pong of letter writing once they cannot come up with the information that you requested. I think as BB say's its puerile missives and I think I have my own template one now where it just spouts the PUT UP OR SHUT UP ( SEE YOU IN COURT ) and add the usual garbage of the even if not read by you ......... also with the review of my payments I just send back a court approved I&E and then they send a form that would put the CGHQ out fit to shame with all the information they think your going to give... Same again,, only a judge can you know the form....It's just depressing that they think they can bully everyone.... the best I saw and I have been following was the company that told the CAG member she should not be getting advice off the internet..!!!!!!!!!!!!!!!!!!!!!!!!!!

paulh, Your right Virgin is fine but they can be damn nasty with the late charges but in there defence one phone call and it's sorted because of a changed package I did not know they were going to take half out straight away, left me with a £15.00 bank charge, phoned them and they were great... late fee removed. Also when my box broke I told them I wanted 16 day's of credit because that is how long it took them after one engineer rang me to say he was at my house at 07:40 Hippy on his push bike after a night shift could not ring the dork back because he had a withheld number.... Yo, £10.00 missed call out fee,, straight on the dog and bone to there English based customer relations and bingo, followed up in writing. Like BB, I had a £20.00 late fee put on by Brooks and Bentley some years ago, it went to some collection agent in Croydon and I told them the same as I have told Moorcrap, you get's what I say I owe you.. Paid it off less £20.00 never heard a bean since.. And Moorcrap if your on this site your not getting your £21.50 administration fee either... so bog off..

oh boy's and girls your on top form... The buried in the garden may not be so good as the local plod were up here at the end of our relationship when Mrs Hippy tried to push me off me bike and I pushed her and next minute I was in the local police station for 10 hours.. Made a complaint against those muppets as well so they are looking to get the Hippy!!!!!!!!!!!!!!!!!!!!! so any sniff that Mrs H is in the Garden will have them here like flies to the proverbial. Still like the ciggie papers and the request for there authority.. BB, your on top form, will probably combine the three of them some how and send off.... . The next question is, will they reply. . Will draft today and send. Will post when done.... heeeee Bubsie, will keep you posted on the leggy blonde,,, yo,,,, there generosity know's no bounds.. . I think I should write to them and ask for Mrs Hippy's address etc when they do find her, see what reply I would get.. Probably DATA PROTECTION malarkey Uncle Bulgaria, ,, thanks for the concern.. Hippy is at the Stage now where I don't give a flying tick for any debts secured or unsecured. I am keeping the house and plodding on at the moment. It is either break even or slight negative equity if I sold. Girl friend wants me to go back and live with her but as the children are still only 14 and 17 I will slog it out for a short time. Then the Hippy will just up sticks.... wait for repossesion and then BR for all my debts and any shortfall on this house... I am working all the hours god sends as it is and in my acute ward I see people dying every day both young and old, they would give everything to be in Hippy's shoes debts and all to be rid of those bad illnesses and some more years on there lives. This site along with work as made me realize that there is more to life than, money, property etc etc etc.... . You guy's kept me from going over the edge two years ago, I am 52 had a great life been all over the world had two lovely kids. Now I just wake up and enjoy life because guy's take it from me we do not know what is around the corner every day. .... My philosophy now is never pay for any advice and as for divorce, let Mrs Hippy file it, she got ripped off by an internet divorce company for nearly £800 and prior to that some muppet lawyer took £3k from her credit card, Hippy got £2850 back for her.. She is so ungrateful and so gullible, she thought she could just up and leave with no consequences, well she has a shock coming her way by god.. ...because I keep warning her,, she is jointly liable for this house and Secured Loan....

yo,,,, Well 10 seconds at my age may be worth a visit,,, have to get some off those blue pills me thinks.... That's a cracking site though.... surely they are inviting a complaint.... !!!!!!!!!!!

oh there good very good, I still like the first one, but the one requesting birth certificate etc etc is looking good... Unclebulgaria,,, as for me and mrs hippy having joint debts,,, Yes two bloody big one's the mortgage and secured loan which she has run away from. Being that the case and no love lost between us, I am not going to make these bad-boys job any easier for them.. They have surely broken some DP rules... And as for my credit file, Syria has better human rights than my credit file so I don't mind her letters coming here.... I told her when she upped and left to change the address.... now they just go back to sender no problem there. As for doorstep visits, Hippy might strike lucky and get a lovely leggy blonde of 20 years coming to discuss Mrs Hippys whereabouts,,,, You never know...

oh and this is there dreamed up form...JOKERS The outcome, Hippy pays his pound and will continue until i can afford more. HAHA.PDF

Firstly you need to establish that you owe the debt. So your set a side could be that you know nothing of the debt. Just search this forum for set-a- sides and you will see various defences. But first you need to know what this bill is about and that is your set a side defence. You are awaiting documentation from YB in the respect of the alleged bill. So SAR away to YB What if I sent you a SD for say £4,000, would you just pay it or let yourself go bankrupt.... NO you would want to know what I was talking about...and you would have to ask me to prove it. As yours like mine is a overdraft we can't use the CCA, but we need to know what is made up of illegal charges, we want to know do these muppets legally own this debt and to obtain that you have to SAR Yorkshire Bank and until such time as that information is forthcoming your are in dispute... See Hippy's letter when I requested a SAR... also replied it was none of there business what I was requested and I was not going to fill in any of my details on there childish forms they idea's of grandeur me thinks. hippy v marlins2.pdf hippy v marlin.doc

IT WON'T MATE, DON'T WORRY. As the Brig say's were here if it does............. Don't worry about the statements or any mail that comes unless its from the courts..... You tell them what you can afford.... not the other way. Lloyds are trying that trick on the old Hippy and guess what,,,, £1.00 is what I can't afford but hey I have to show willing... They have stopped all interest and send a statement each month,,, the odd pond life appears mainly in house and say's phone to arrange payment plan,,, hippy writes back IN WRITING ONLY AND YOU HAVE A PLAN IN PLACE I (NOTE THE I NOT YOU) WILL REVIEW IN 12 MONTHS.

Re-read in full this time and what a fantastic story..... I am keeping fingers crossed for you IW and will light up a special cigar for July 1st..... LOVE IT WHEN THESE POND LIFE GET A BLOOMING GOOD HIDING OF CAG.

Yo,,, just seen her, she can knock on mine any day. ..!!!!!!!!!!!!!!!!!!!!!!!!!!! But on a serious note, surely they can't be serious..... hound you till we get you... my God...

yo, what an outfit.. Where's this chick that does the calling,,, might invite her in for a herbal ciggie and a chat.. if she's as good as Bazooka say's. hippy off to find this chick...

Nice one cerberusalert, that is top one at the moment. I await Bazooka Boo who seems to be very poetic when it comes to these kind of replies. So Hippy is now launching a CAG's got letter writing talent. Replies on this thread please. I will announce the winner at the close of play Thursday...

Marshlady, Firstly welcome, I have an overdraft account ( Yorkshire Bank one ) with these bad-boys and again like you I have horrendous charges. Though my charges are only £350.00 to claim back off a £886.00 overdraft bill. On set a sides I believe this can be done on line but wait till the more experienced caggers come a long.( but in reading about these dodgy stat demands anyone can print one off and send out.) Apparantly they have to be served correctly but that a side they are easy to get out of the way. Your priority now is to come to some agreement after getting all the facts from YB. Your first course of action is to SAR Yorkshire Bank like I did, it will cost you £10.00 and they have to send you all they hold on you. Though Yorkshire bank failed to send my correspondence of the dispute with there paperwork. I did not bury my head in the sand on this, I offered a token payment of £1.00 a month on this and they accepted,, I also stated that they would only get £536.00 in total as I disputed the charges. This is a long way down the line as at a £1.00 a month at the moment I don't think I will live long enough to pay it off. Please don't worry, I know it is easier said than done. I am a house owner so I would ensure you take the advice from the boys and girls here and act on it. Have you any other creditors and if so are you paying them off at any rate. Again depending on what value is in your house, even in the remotest possibility that they attempt BR, if you have no equity in your house you will in all possibility end up keeping it. Even if there is you can sell your rights to another party, but this is way way down the line. SO FIRST THING,,, SET A SIDE THE BR CLAIM. SECOND: SAR Yorkshire Bank ( and yes it is Yorkshire Bank you send the request too ) Inform those muppets from ME ll that you dispute this and are writing to YB under a Subject Access Reportl for all details of the account in question. Templates on this site. Once furnished with the information, make a sensible offer to repay, if that is only a token payment of £1.00, so be it. And inform them you will only be paying £xxx.xx that is less charges....

Hi Guy's Just finished me weekend shift and came home to find this on me old door mat. It looks like the ex-Mrs Hippy is in financial difficulties which I guessed anyway by all the mail I had to return. Now, we have been separated nearly three years, she stayed in our home for two of them and just upped and left last year to take up a rented property. Now by a freak accident I do know her address but this is what it was a freak accident. I am no way going to divulge this information to anyone but a Judge,,, I feel like sending them something witty back unlike the usual bog off. What galls me is the cheek they have to request her address from any old tom dick or harry ???? surely something is not right here. If I wrote to them asking for her address they would give me all the cock and bull data protection malarkey. I have a mischievous desire to write back and asked for written authority from Mrs Hippy,,, Ms Hippy.pdf

hmmmm,,,,, Where do these monkeys get the bare-faced cheek to just send a demand with no information on... ignore and see good advice as always.

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Exactly right Tootles, David, Remember these muppets have NO POWERS WHAT SO EVER they baffle you with IF'S, buts and could be's,,,, but in the end they can do nearly nothing. That is why today a lot of them are going out of business, the consumer is taking over,,, I am old enough to remember when they went around in Van's with Debt Collection written over them, my god, if we had only known then what we know now, and I am talking the 70's.. These BAD-BOYS are like the Dinosaurs, they will eventually have to adapt or die.... and I think they will die out as they have had decades of our ignorance blow up in there face's. Debt today is not a stigma as it used to be, but I even remember my ex brother in law taken to court in 1979 by a certain Mercantile credit. We thought it would be the end of the world I was on leave from the Army at the time and came with him for support,,, Well even then the Judge was sympathetic to him and told the lawyers of the said company that they should have been more rigorous in there lending criteria and that the poor fella had four kids to bring up and that he would order what today could only be described as token payment. £0.40 per month on a bill of £250 something,, and the best part was the judge told him if he had any worst financial trouble go back to court. TRUE TRUE,,, he could not get over how nice the judge was and the unbiased way the judge looked at his income and outgoings. Yes a CCJ for six years, he is now a successful business man with his own house etc...... For me two lessons there, One the Judge was a very far sighted man who could see even then what lending to people without really examine there finances could lead to. Also he still had to live and that there debt was unsecured and they took a risk and that payment was based on what he could afford. So as these great people on this site say, don't be afraid of the courts if it ever comes to that. I own my own property so I should be more scared than most but hey,,, negative equity etc even those dreaded charging orders can be a blessing in disguise. YOU TELL THEM WHAT YOU CAN PAY, NOT THE OTHER WAY ROUND... KEEP SMILING DAVID, you will end up after this stronger and like a lot of the great guys and girls on here, relish the fight when a pond life thinks they can take you for a ride.

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here here BB, same as I am doing with muppetcroft, £21.50 admin charge,,,, they will only get what O2 say's I owe and that is that.. Hell will freeze over first.

promise it's not Hippy, always logged in, even in me herbal heaven !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I again will second the last two responses,,,, I scan and keep all my correspondence and dealings with all my creditors and agents,, (more like children really) I don't know if it is hippy, but I feel after a quick letter to them with the help of this great site, they seem to tone down and back off with all the total threatening Cr*p like ( we will send the bailiffs take your house and all that phiss and wind.) I think though it maybe the hippie through a haze of the herbal baccky, that they seem to know you have been on this site so start to tread a bit more carefully with you.... Also the more people know there rights the more these low-life's are going out of business. I work in a large hospital on a busy ward and had to tell my colleagues my debt problems due to the break up off my marriage, the calls came thick and fast but thanks to CAG and our hospital legal department they have stopped. I was so surprised how many off my colleagues were in debt trouble and many are now using this great site after my recommendation. So we are not alone...