Little Tea-cup,,,, Write to Nat West with a Valid even if not read by you missive and tell them straight. Get a grown up to look at the judgement, even Hippy after a tour on the Grass can see that.!!!! Fools.... I have a little issue with Moorcroft adding Admin fee's on,,, Tell them once and once only.... You will get what OC say's I owe and not a cent more see you in court.. Did that with CCS Collect or some muppet like that,,, some company think it was Brooks and Bentley Charged me 2 x £20.00 late fees so the total owed went from £60.00 to £100.00 then those muppets added £60.00 and so on... Guess what,,, paid the £60.00, by Standing order, broke the golden rule and rang both CCS and BB and told them its paid. Simples ***** and if they did not like it take it to a judge,,, guess what.... Credit shows settled and not a whimper from them.... Marlins and O2 are my next targets, O2 who Moorcrap are dealing with will receive a SAR and I shall look for any charges etc... My contract ended and I told them to cancel but ex-wife wanted to keep phone, told them I was nearly bankrupt and they gave me a £10.00 a month deal...hmmmm she never paid and it ended up at £90.00, which ended up at £158.00 and not all moorcrap either... So guess what... I am going to SAR O2 and find out whats going on... Its nearly paid £60.00 owing, less muppetcrofts £21.50 so will just browse over what O2 send. No default letter served either. SO TELL THEM ADD AS MUCH AS YOU LIKE, MAKE IT A MILLION,,,,, ITS ALL PIE IN THE SKY OR PHISH AND WIND...

DD, I would not be too sure on that, I have heard they are real Court pest's.... but yes good advice from DD, start your thread and the guy's and gal's will help you out. They love beating Mr Carter with his own missives

Certainly complain,,, Blair Snot and Oliver sent a letter to my works in big red confidential on the front no mistaking what it was... actually addressed it to Mr Happyhippy employee of xxxxx NHS Trust... Got £75.00 out of the bad boys and they had there knuckles rapped.

David, just writing to say Best of luck mate and please please please,,, chill out.... You have nothing they can get nothing... I have 40k of debt for the last three years have been paying token payment of £1.00 for three years, Hippy still owns his own house abet in negative equity, I have been threatened with all sorts but with these great guys and girls on here now I relish the next low-life that pops there head over the parapet. I am not avoiding I am paying what i can afford, my ex left me I have to pay child maintenance or go to prison, mortgage has to be paid or homeless, then there's food and utilities and of course the famous council tax or prison again. When you add them up Hippy is broke.... I have offered all the low life that get aggressive to put up or shut up with the help of this great site... No doorstep visits, no calls at work any more and even got £75.00 compensation from BSO for writing to my works instead of my home.... Now David,, anymore talk of suicide #1, and I am coming round yours and taking you to my Ward in a big hospital where I work and show you people of all ages dying who would gladly have your money worries for there life... honest mate..... Now chill out or otherwise Hippy will be sending you is funny weed and a tour of the ward...!!!!!!!!!!!

undercover,, how does one go about re-claiming unfair charges... especially if the debt is assigned / purchased by a DCA. I only ask as i have a Over-draft with at least £300 of unfair charges but it is in the hands of Marlins now.. I have just told Marlins they will only get £xxx.xx less the £300 ?? Best of luck Spanky

Legend BB, I am still having laughs with Moorcrap in respect to there Admin Fee... Admin fee, where did they dig that one from.

oh BB, are they that pedantic that they will chase you for that sum..!!!!!!!!!!!!!!!! Muppets one and all

Here here BB, Muppetcroft added a admin fee on my account with O2, have told them repeatabley they are not getting it. END OF STORY. I have given up telling them, so when this small debt is paid it will be for what O2 say's I owe. I HATE THIS LATE FEE BUSINESS AND HAVE NEVER EVERY PAID ONE SINCE. Brooks and Bentley tried, I paid CCS collect the money less £20.00 and told them see you in court. NEVER HEARD A DICKY BIRD SINCE. It is outrageous that these companies can charge you extra for paying cash, I hate direct debits as if a problem arises you are hit with a double wammy,

oh Hippy started something on the subbing,,, I am getting the jitters here. As I have no experience with SD's I thought I would watch this thread with interest as I do a lot of threads, it helps then if one of my vultures start some underhanded tricks and I am then prepared, i.e. I see what so and so did in that instance. It stops me wasting peoples time by asking lots of silly questions and I believe frees up the thread for more knowledgeable people to put there mark on it. I hope the site team does not bar subbing as it has been a great help to the Hippy... Long live CAG

I knew that name Phillips and Cohen rang a bell so I looked into my scanned late fathers paperwork and sure enough a letter about his YB credit card... Tried to say we were liable, lucky I knew the law. Then to give us a really big laugh when I rang them they told my he owned a massive property called S*************ge House,,, No you fools that was the nursing home he was in when his brain tumour took hold of his faculties. He was a council tenant all his life and his insurance policy was just enough to give him a good send off....Fools. Phillips & Cohen Associates (UK) Ltd Building 5 Floor 9 Exchange Quay Manchester M5 3EF 29th January 2009 Dear Sirs File No The Late ????????????????????? Thank you for your letter dated 26 January 2009 (enclosed). I am sorry to inform you that there was no money left in the estate of my late father to pay this demand. The small insurance that was left barely covered his funeral. Also as with my telephone conversation with you on a previous occasion I have no knowledge of any credit cards that my father had with the Yorkshire Bank. I therefore wish you to close this case as it is causing undue stress to me and my family. Failure to abide with my wish, I shall have no option left but to inform the Office of fair trading of your demands. All other correspondence received will not be acted upon but sent to them. Yours faithfully That put an end to there demands.

Hippy as not laughed as much since his special fag last year heeeeeeeeeeeee... will watch this with interest.

The offer of a substantial discount is really going in your favour. It looks like they know they have not got all the correct paperwork for appointment at court. Sit tight. Send the letters recommended and let them come after you.... Good luck you are learning fast...

Well sent Fred's a account in dispute letter on the 27th April, received reply today putting account on hold. Taken nearly a month to reply. It was one of Bazooka's letters so it probably took them all this time to figure out the words. Told them in no uncertain terms I don't need to be told how to request a SAR from a mere DCA and also there comments about liability was a bit premature as this is depended on what Argos send back. When I have received I will post up new threat. Though what made me laugh is Fred's had accepted the token payment but wanted me to ring for Standing order details. (Jokers) I have there details but have not yet paid as we will see what little surprises the SAR holds. The bill has already shot up from £600 to £850.

Good points on both side's of the argument. I will take the middle road here and send one first with a paragraph stating they have no powers to request one and that it is a goodwill gesture on my behalf. When reviews come around its then I state NO CHANGES EXCEPT COST OF LIVING RISES HAVE MADE MY SITUATION WORSE. Marks and Spencers reviewed last month and I sent one and no problem. Another year of Token payments. ( That's my position, obviously Boo has his and I can see the argument there.)

here here Count,,, I am on token payments and off my 16 creditors I would say half are dealt with by DCA's and half by original creditor. This situation looks on going for at least six years as my youngest does not leave school till then. I have yet to CCA most of them,,, Argos has got a SAR because Fred's got involved and the amount has risen so I need to check that out. Taken out in the mid - late 90's so should be interesting on what comes back.. I do exactly the same,, I send my IE and I tell them what I can afford. Any overtime goes pro-rata or dumped on the smallest. Have cleared three so far and should have another three done by the end of the year. But being a NHS employee I just hope that the job lasts.

Good advice from intend,,, Moorcrap are still trying to bill me £21.50 for administration fee on a small O2 bill. Told them hell would freeze over before I pay it. Had the same for a small debt I had with Brooks and Bentley, they added £20.00 late payment, told them the same and I paid the amount less the £20... Moorcrap are chancing there arm as usual. I would rather give Bazooka the £21.50 for all the help he has given me... So MOORCROFT go swing you have as much chance of getting it has Hippy has of winning the lottery.

Have to agree... YOU TELL THEM WHAT YOU CAN AFFORD... bloody cheek.... Did that with a few of mine,,, and I'm still here...

Akasha,, good advice from those guy's,,, by the way hope your feeling better.... My God those DCA's are really talking out of there horse's rear.... Let me just put your mind at rest. I work, have my own house negative equity and over 40k of debt... I have been threaten with all sorts but since ex went nearly three years ago I can not afford to pay them back as per agreement. Now, with the help of these guy's I have been paying token payments of a £1.00 some times a little more if I get overtime and this has been the situation for those three years. Until my kids leave school or higher education I am b*llocked,, so to say. Don't pay me maintenance its jail, don't pay me mortgage its on the streets. Yes every now and again these vultures will write and review but hey no change, in fact it's worst...utility bills on the increase and overtime gone. But with the help of these guy's It doe's no longer give me sleepless nights. Now three years NO COURT. NO ATTACHMENT OF EARNINGS, NO BAILIFF'S, NO CHARGING ORDER... AND ALL BECAUSE OF THIS SITE... SO KEEP POSITIVE... BEST OF LUCK

oh Manxguy,, you are probably paying for there Christmas party this year. Do as Boo say's,,,, get a SAR off to Lloyds and put the account in dispute. Moorcrap are taking you for a ride.... Get those charges back, me and Boo are at Yorkshire bank, a lot less of the charges but hey,,, tell em to run and jump and get that SAR letter off to Lloyds, stop paying moorcrap.... I hate those bad - boys with a vengeance....

Will do Brig,,,,

Sorry Julia been at work all weekend and at the girlfriends.. So Moorcroft knocked at your door, I am very surprised. Your options are limitless,,, firstly, you could write to Moorcrap and tell them NO DOOR STEP CALLS OR THIS WILL BE CLASSED AS TRESPASS AND THE POLICE CALLED. template letters on this site. Now if it was me I would open the door as I did to Scottcall and tell them very un-politely to Foxtrot Oscar in 20 seconds or the local plod will be winging there way to remove them... Or you do not need even talk to them at all. Your worlds your oyster...

Yo I look forward

subbing with great interest...

subbing

Yes best of luck.... I was the same as you but this great site is better than any Tamazepam. Hippy sleeps like a log now.