Just ignore them

I have indeed

If you have started getting calls from this number it is Vanquis Bank.. Seems to be their lastest pest line number

If there not addressed to you why are you even reading them, its an offence to open others mail. If its not your post just bin it or mark "Not At This Address" and stop getting in a flap about it. The more you write to them the more crap they send out. just ignore the planks

Well its been over 12 months since anybody contacted me about this account. I thought Mukies would have been the end of the trail, but alas not, there is a lower form of life after all. SNOTCALL They emailed me before, don't know where they get my email address from though. Not had visitors for a while, I must get some earl grey and a sponge cake. LOL scotcall limited Spectrum House, 3rd Floor 55, Blythswood Street, Glasgow, G2 7AT Tel: 0844 257 8555 Fax: 0141 248 6616 Email: [email protected] Opening hours: 08:00 - 20:30 Mon - Thurs, 08:00 - 18:00 Fri, 09:00 - 14:00 Sat DEBT COLLECTION NOTICE Dear MR Reference: Client Reference: Client: LOWELL FINANCIAL Contract: BARCLAYCARD We have been appointed by the aforementioned client to recover from you the amount owed on the above contract. Our client is disappointed that despite their attempts to contact you, you failed to pay or advise them of any financial problems that you may be having. We have therefore been instructed to visit you at your home to either collect the full balance due, or make arrangements for this long overdue debt to be repaid as quickly as possible. To resolve this matter without the need for a personal visit, you should call one of our Advisors on 0844 257 8555 who will discuss your repayment options with you. Alternatively, you can repay the outstanding balance online using a debit or credit card at www.payscotcallonline.com If you are experiencing financial difficulties, please let us know and we will do our upmost to help you. If you choose to ignore this notice, we are left with no option but to instruct one of our Debt Collection Agents to visit you to discuss your proposals for repayment. Yours faithfully scotcall limited For and on behalf of scotcall limited

Sometimes totally innocent transactions such as EBay or a cash withdrawl can trip the banks anti-fraud software and freeze an account. What I find hard to believe here is that the bank will not discuss the reason with you. Have you been in to your branch to see the manager?

Did you record the call? If not get their acceptaance in writing or they will just deny ever agreeing to anything.

Do you have this refusal in writing? Are you dealing direct with SLC or Thesis (Link Financial)?

Catalogues are not priority debts. If you have offered an afordable amount and are paying it regulary then keep this arrangement up regardless of what they say. There threats are all hot air, they will go no where near a court if you are making payments, no matter how small. NEVER EVER speak to any of them on the phone. If they ring refuse to answer their security question and tell them in writing only. Their tool is your fear. There is nothing to fear, if they don't like what you offer, tough, just pay it. Also get all the late payment over limit charges credited back to the account and ask them to freeze any unincurred interest or there is no point paying token payments as the balance will just rise each month. If they won't play ball, two can play at that game. YOU control your finances, not them. Fear not from the likes of these creditors, they just bully and intimidate to get ill-affordable payments

Do people actually write to these fleecers? I wonder if the increase will work in the detors favour as the cash strapped DCA's struggle to make ends meet, so no money for stamps

All hot air. Usual DCA cobblers to get you to make a payment. If I rang you and said " its alf from alf's collection service, give me all your personal details." You would tell me to bugger off. Do the same to Crapyquest. You don't have to tell them anything. personally I wouldn't pay them anything either, but thats up to you.

https://www.paypal-marketing.co.uk/accesscard/

Paypal did there own years ago don't know if they are still available https://www.paypal-press.co.uk/content/detail.aspx?releaseid=117&newsareaid=2

The person selling the vehicle must complete section 6 'new keeper or new name/new address details' of the V5C. Both you and the seller need to sign the declaration in section 8. It is the responsibility of the person selling the vehicle to send it in to DVLA. They should then hand you the V5C/2 section appropriately filled in.

eBay are a law unto themselves. You are flogging a dead horse trying to get them to listen. They always find in favour of the buyer. Wrong I know, but had this many times with chargebacks through Paypal.

Genuine N1 from the courts : Response required. All DCA letters/threats/implied enforcement action : No response required. Recyle their paper trail Responsibly, ie makes good lavy paper

Fishing trip, ignore

Yes I agree, give it a few weeks then phone the DWP. My wife won her appeal, even got the print out from the tribunal before we left. Left it 4 weeks, no money so rang them, said they knew nothing about the tribunal outcome. Got Tribunal Service to fax the letter to DWP, money in the bank 3 days later. Chase them. We know mistakes happen, but so does ignorance on their part.

You say you have a letter from a Bailiff through the door. What company is it and what do they claim the debt relates too?

Lets see if he pulls out through peer pressure, like other have

They have the account in their sweaty little mitts all right, they have done for many years since they bought it off B/C, but seem reluctant to do anything about collecting other than idle threats. I pleaded with them to take me to court, but it fell on deaf ears. Maybe LCS was on holiday that week

I have had a letter from these people saying "We have been monitoring your credit activity with one of the credit reference agencies" Funny I see no evidence of this upon checking. "We have received recent notification which suggests that your financial position has changed" Strange I know nothing about this change? The lengths these people will go to to get you to call them. Sorry chaps, will not be happening. Been there, done that got the pie and the tea-shirt. Get a life and a real job.

Court Fines And Bankruptcy Courts often impose fines on individuals convicted of criminal offences including theft, driving or motoring related offending, public order offences and minor violent offences. These fines are deemed to be a punishment and cannot be written off by bankruptcy.

Co-op do one too. Cashbuilder I think its called. Make sure you don't open an account with a bank that has any connection to any debts you have arrears with. They could use the 'right to offset' and clear out your account without notice and perfectly legal.

Hi and wecome to CAG Yes if you get a copy of your credit file it will show the CCJ if there is one and any other financial occurances for the last 6 years. Remeber to put all your previous address in the search not just your current one. It is unlikely a loan would of been approved with a CCJ but it would depend on the lender. I don't know if a CCJ have any effect on a travel visa.