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Everything posted by Angel104

  1. Following an accident I have been off work for ages and fell behind with my payments to capital one. Isent them a valid sick note signed by my doctor the moment they got it they issued me with a default notice now they threatening me with debt collectors. I was eondering if they can issue a default notice when they have had proof I am ill from my doctor.
  2. I have been off work for months and got behind with my credit card payments. I sent capital one a valid sick certificate signed by my doctor and in return the sent me a default notice. I was wondering if they can do this seeing as they had a sick certificate.
  3. I got behind with my TSB credit card payments because I have been off work due to illness. I sent TSB a valid sick certificate signed by my doctor. They have now sent me a large form which not only has to be filled out by a doctor but if I sign it will give them access to my medical records. I told them that they have a medical certificate and they are insisting I sign the form or face legal action. Can they do this?
  4. They have been told about 4 times in writing. They are a joke. I was first contacted by the compello group who also use the name MKDP LLP. They state that keynes collections are a servicing agent for compello group without stating that the two are the same. And someone has told me that they have been misrepresenting themselves.
  5. I have been telling them since last year it is statute barred. I have also found out that Keynes collections and the compello group are the same people. Does anybody know if a court is allowed to touch your state and private pensions?
  6. Following my problems with MKDP chasing a statute barred debt. A notice of intended legal action has now arrived from keynes collections. Part of it reads: This letter is made in accordance with the Practice Direction - Pre Action Conduct of the Civil Procedure Rules. Your attention is drawn to Paragraph 4 of Annex A of the Practice Direction concerning the court's power to impose sanctions for failure to comply with the Practice Direction. Can someone please explain what the above paragraph means. They also go on to say that I can pay the debt by credit card.
  7. I wrote to MKDP and asked them to stop processing my data and got the following reply: As the balance remains outstanding we do not have to comply with your request to stop processing your personal data, as credit referencing is necessary for putting into effect the contract you signed with Welcome Finance. The debt is statute barred. Are they correct with what they say.
  8. I am now being chased by MKRR. They are insisting that when I informed them that the money paid in was a PPI refund I acknowledged the debt. The agreement was taken out in 2006. Their latest letter that arrived this week claims that due to MY misunderstanding of the situation they cannot assist me any further. I asked them in writing to stop phoning me because I was getting up to 5 calls a day to which they replied that they will continue to phone until I offer them a payment. Things got so bad that I have had to buy a call blocker.
  9. Brigadier the debt became statue barred 18 months ago. 3 months ago MDKP wrote and said that we had paid £3000 to welcome finance last year. All I did was write and back and informed them that the amount paid in was a PPI refund paid in by welcome finance so I do not see how this is admission of the debt. But on saturday we received a further letter from MDKP which says: Further to our previous correspondence will you please telephone our office with your proposal for payment of the debt. Furthermore as we informed you in our previous corres
  10. This is what MKDP said in a recent letter how should I reply. When you wrote and queried the figures on the default notice we view this as acknowledging the debt. Furthermore when you advised us that a payment made on the account was A PPI refund we view this as further acknowledgment of the debt therefore we do not believe that this debt is statue barred.
  11. sorry DX I forgot about this thread. Can I just verify that even though we queried the figures on the default notice. It still stands as statue barred
  12. We are being chased by MKDP for a welcome finance debt which is statue barred. Back in 2010 we queried the figures on the default notice that had been sent. This morning we had a letter from MKDP saying: Following a further review of the account I can verify that you have acknowledged the account in you correspondence to Welcome finance in January 2010. Also back in MKDP claimed we had paid welcome the sum of £3000. And we replied saying that welcome paid that as a PPI refund and MKDP are also saying that this is further acknowledgement of the account We did say in
  13. If SCM are not really solicitors then how were they able to take me to court over a Black Horse Debt?
  14. I also received a letter from CK Edrupt saying that I could no longer make payments to them and that I had to communicate with the provident direct in future. When the provident obtained a court order against me a few years ago C.K. Edrupt wrote and said that unless I phoned them immediately then additional fees would be added to the debt.
  15. The Ambrose Wilson thing. On my credit file it has my name at an address I have never heard of. But underneath it says linked address which is an address I moved out of in 2005.
  16. I have looked at my credit file on there and the only thing I have found is a catalogue company called Ambrose Wilson who did a search at an address that I have never lived at.
  17. I have not moved in the last 8 years
  18. I received a letter from Arrow global this morning Asking for £369.78. Further down the page it says: Original creditor Shop Direct Finance company Ltd Affinity Partner Kays Lifestyle. I have never heard of these companies and I have never had a catalogue or bought anything from one. I have no idea what this is about. It does say that if I think I have been sent the letter in error then to get in touch with Rossendales Collect Ltd. I am also worried that someone might have got goods in my name. What should I do?
  19. Thank you for your replies. I have Just found another letter that we received at the start of April saying we are getting pension credit. So first thing monday morning we are going to the council offices.
  20. We had a letter in march from The DWP saying that from the 8th April we would be paid £0.11 a week pension credit. We have now received a letter from the council saying they have suspended our claim because we no longer get pension credit. We are confussed because the DWP are paying it so why would the council say we are not? Do you think the council have made a mistake.
  21. Following a statue barred letter to ruthbridge. I then got a letter from clarity I sent them a SB letter and now cabot have instructed Scottcall so a SB letter has gone to them. I am not sure how to get cabot to stop.
  22. I have now received a letter from Ruthbridge acting for cabot. I have sent them a statue barred letter. And what happens if they close their file? This is now getting stupid.
  23. Experto Credite have sent me the credit agreement for a loan I have with welcome finance. The first page sets out all the figures but the second page where it says signature by customer is completely blan there is no signature on it anywhere. Should they have sent an agreement with a signature on it and what letter do I now send Experto because they are claiming it is a copy of the original agreement.
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