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Hopeful1

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Everything posted by Hopeful1

  1. It's not just what you know, but.... Good stuff Red. How you doing?
  2. RMW is very good at showing how to do a complaint. You need to think what your original complaint to them was. What did you want the outcome to be? Did you state what you wanted? Have they me those demands? If the answer to those questions is no, then that is the basis for continuing your complaint. If you now have a grievance regarding something else then it is a seperate complaint ie start again! My feeling is that your biggest grieveance is that they will not accept your repayment offer in writing. IF they are refusing to do this and are continuing to add interest and charges, i would be inclined to make a complaint to FOS. State they are being unreasonable and making it impossible for you to repay the debt with continued charges, interest and so forth. Include evidence of the letters you've sent and payments made. Also include the threatening letters from MBNA which are causing a great deal of distress -
  3. Didn't want to read and run, but am due back to work! In short i would send another CCA to head them off and then we can look at all the ifs buts and maybes. Get that done and i'll be back tonight to 'talk' some more!!
  4. Hey Dynamo, just dropping in to say "Good Luck! ". Have been reading your thread, so i really hope things go well. Best wishes
  5. Keep a log of calls and take their names if you do answer any more. The info may be useful for a complaint to them and Trading Standards further down the line. You end up always being one step ahead, constantly gathering evidence against them
  6. Their attitude is so disgusting. Just in case you haven't seen this template: http://www.consumeractiongroup.co.uk/forum/letter-templates/131250-dca-creditor-harassment-telephone.html#post1379437 If i were, you i would also make a formal complaint about her 'telephone manner'. My motto is to keep on the backs of these people as they seem to think they can talk to people however they want to. I would start blowing a whistle down the 'phone or something if they keep ringing :grin: If you're with BT i think there's a service called 'choose to refuse'. I actually changed my number when i swapped services. I cannot tell how fab it is knowing it will only be friends or family when my 'phone rings.
  7. Hi thehomee. I really think you should seek advice on this. There are some contact details on this thread for national debt helpline, CAB etc: http://www.consumeractiongroup.co.uk/forum/getting-out-debt/130781-where-get-debt-help.html
  8. Found this one: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/164412-hsbc-demanding-signature.html ???
  9. I'm really sorry to hear about your dad's illness. That certainly does need to take priority. I'm not sure which thread you're referring to but will post a link if i find it. Take care, hun.
  10. Hopeful1

    confused

    Yep, that's the power of CAG! It's amazing how it empowering it is when you realise you have legal rights to deal with bullying unreasonable behaviour. This is purely a personal opinion, but people often talk about getting others to sign on their behalf, but it doesn't sit comfortably with me. I'm not sure of the ethics or legality of it and wonder would it be ammunition for 'the other side' if they knew? As i say, that's just my own views. I'm glad you're feeling better about this. Will keep looking out for your posts.
  11. Hopeful1

    confused

    Last one!!!! If the bank are getting nasty, i would a) complain and include refernces to their precious banking code and b) consider setting up an alternative account to have your benefits etc paid into: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/58685-do-you-need-parachute.html
  12. Hopeful1

    confused

    This is the letter if you decide you wish to send it: http://www.consumeractiongroup.co.uk/forum/letter-templates/131333-dca-creditor-demand-specimen.html and here's another option for signatures: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/110578-digital-signature-guide.html
  13. Hopeful1

    confused

    Hi Rigante. In reality you shouldn't have to sign. There's a template letter you can send, but this argument now seems to be a stalling tactic used by many creditors. I have sent a S.A.R request today. I have signed my 1st name as normal but printed my surname. I have then photocopied that letter with sig and added it to my overflowing file of paperwork On a previous letter i signed on a thick black line and added small dots and lines to various letters within my sig. This simply makes it difficult for it to be reproduced. Again i made a copy before sending it. I just find that doing this cuts out a lot of hassle. I am also careful if i receive post/packages that need to be signed for and never use my true signature. Everyone has access to the Post Office track and trace system so anything sent out by recorded or special has to be signed for and the signature can then be viewed online. Yes this whole debt experience has made me very untrusting
  14. Bobby is right, the defaults will drop off anyway. Have any charges been added to the account? Were you paying the debt management company? There are contact details for free organisations here: http://www.consumeractiongroup.co.uk/forum/getting-out-debt/130781-where-get-debt-help.html I hope you will make a formal complaint to Wescott. They should not be advising you to default on your own credit and certainly shouldn't be making threats. All this contravenes the OFT debt collection guidance. This leads to my next point, don't discuss anything with these people on the 'phone. Always keep it in writing unless you can record calls. I need to do the school run and go to work but i will look in later. Take care
  15. Hi CB, thank you for the link and thank you for dropping in. I have a few links saved in my favourites that i've been posting up for others! I've been looking a Chris's (Car) grattan thread and Paul (Pt2537) had some fun with Littlewoods. Dpick actually dealt with the same companies as me on behalf of his wife. I will add those links later in case they help someone else who reads this thread. Last night i went goggle eyed looking at some stuff on the ICO website. I've printed the guidance off as i hate reading loads of info on the 'puter Right, i really must get the LO to school and me to work. Have a good day
  16. Hello! I hope you are ok? I have been submerging myself in default info. Here's my link if you fancy joining me, i won't go on about it on Gazza's thread. I will say my head's spinning trying to read all the info, so bedtime it is now! Let us know how the reclaiming goes gazza
  17. Well, i received a letter last year from L'woods that they would not be pursuing me for the outstanding balance. The account has been left on the back burner with the intention to offer an f & f when i can afford it. Tonight i have noticed the account is on my experian file twice: same dates and default amount. One recorded by L'woods, the other by Legal Direct Recoveries, who i believe are part of L'woods. This is my 1st attempt at default removal, so any input on the way will be much appreciated My 1st job will be to write to L'woods and to the CRAs. The default is only registered once on the others. i will compose my letters tomorrow as i am creamy crackered
  18. The ND website is a good resource, so i'm sure the letter will be fine. This address is from their website for general queries: MBNA Europe Bank Limited P.O. Box 1004 Chester Business Park Wrexham Road Chester CH4 9WW Obviously i don't know the source of the address you've posted so i'm not saying it's incorrect
  19. You should only do one or the other. You can't say a debt is unenforceable and then reclaim charges. With OH's MBNA card, i didn't mention the lack of CCA agreement. I reclaimed charges which left a small outstanding balance. I then put in a claim for PPI. When i ended up making a claim through FOS 'cause MBNA refused to pay up, i then 'realised' there wasn't an agreement within the info i'd requested to enable me to clarify the t and cs he'd agreed to - use these things to your advantage
  20. Don't sign anything just in case, or if you do, use a completely different signature that you could identify immediately as being incorrect....just in case
  21. It sounds unlikely they have an agreement. If they do not respond reasonably to your reduced payments request / offer, i wouldn't waste any time in sending a CCA request. Let us know how you get on.
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