Creole
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I've looked through the numerous letters they've sent me came across a statement of account it seems the last payment was in September 2011. The original lender was HSBC Bank and it was for a bank account and therefore an overdraft - the balance is just over £1200. I'll request my report from Experian (I've exhausted the free period), Noddle has nothing for me strangely. Any advice on how to proceed with Restons before they take it to court?
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Ok, I'll go through the all letters over the weekend and come back here - they are quite a lot, I think. Thanks
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But I thought Restons are very ligitious. I read that here and send them the CCA, but I did put at the top of the CCA request 'I do not acknowledge ANY debt to your company'. I'll go through all the letters I have been getting from Cabot to find out more. Thankfully, I didn't bin them. But any more advise on how to proceed would be much appreciated, not sure I can just ignore them!
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Hmmm, but what do I do now? They have sent back the letter with the postal order. it was probably an overdraft - does CCA request apply to them?
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Hi there, I'm back again for some much needed advice. I have been receiving letters from Cabot financial for a while which I have been ignoring as I had thought it was statue barred - will be SB next year. However, they have referred my file to Restons Solicitors Limited who have sent me a letter threatening court action. I then sent them a CCA request (realised after, I shouldn't have given it doesn't apply to bank accounts - is this true?). the CCA request was unsigned and they have sent the letter back stating they will not be dealing with an unsigned
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husband's £35k debts - is our home safe?
Creole replied to Creole's topic in Debt management and Debt self-help
Yes, the property is joint on a tenants in common agreement and all the debt are in his name only -
husband's £35k debts - is our home safe?
Creole replied to Creole's topic in Debt management and Debt self-help
Yes, that's my fear. Just want to make sure our home is protected. -
husband's £35k debts - is our home safe?
Creole replied to Creole's topic in Debt management and Debt self-help
Thanks for your replies. He has several credit cards, with vanquis, Santander, Barclays, Amex and an Argos store care and loan. Total debt 35k -
husband's £35k debts - is our home safe?
Creole posted a topic in Debt management and Debt self-help
My husband has debts totalling £35k which he has not defaulted on. He is about to go back to full time education and is thinking of writing to all creditors ( this includes credit and store cards and an unsecured loan). He may be offering token amounts of between £1-5 per month. What happens if creditors refuse to accept token payments? How can we protect our home? We own our home on a tenants in common agreement. I am a bit concerned that the creditors will come after our home. What can he do to prevent charging orders etc? Thanks for any advice given -
Smart parking speculative invoice from an asda carpark
Creole replied to Creole's topic in Private Land Parking Enforcement
the 'offence' was on 12th August. I am about to send the attached letter, this is the one I attached earlier - I got from this site. Is it ok to send it please? Thanks -
Smart parking speculative invoice from an asda carpark
Creole replied to Creole's topic in Private Land Parking Enforcement
We received the letter Saturday the 16th -
Smart parking speculative invoice from an asda carpark
Creole replied to Creole's topic in Private Land Parking Enforcement
Sorry, my mistake - it's a parking charge notice (PCN) and was sent to my husband who is the registered keeper. It had 2 photos of my vehicle entering and leaving the carpark -
Hi all, Would appreciate some advice on this please as I've had no dealings with this company. I went over the 3 hours free parking (6 hours in total). I truly had no idea I would received a fine, but now I know I wont be parking there. So, what do I do? Pay the reduced amount of £40 or ignore them? I also saw this brilliant letter - see attached! Should I send the letter, ignore them or pay up? with thanks
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Strangely, I got through to them a few minutes after posting (I have been waiting for over a month). Appointment booked for Friday...adopting a wait and see approach! Thanks
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I got a quote from a Kent company to have my smashed double glazed window replaced, and I am still waiting for the work to be done. I paid a deposit of £50 by cheque - I'm I likely to get my money back. Who do I contact? - I have called the company on numerous times, but no reply, I even emailed them. Have I been scammed? They seemed very professional, I got a receipt on a very professional paper. The company is www.windowmedickent.co.uk All they have is a free phone number, which I thought was a reputable company. Can anyone advice where I go fr
