Thanks for ur comments guys I spoke with a solictor today with I deal with through work for some personal advice on this, he said if I hadnt already paid some of the debt then I have a strong case and Im not liable to pay the debt, but Ive left myself open by paying some already. I changed my letter slightly still claiming that Ill do em for harrassment if they keep ringing me at work, and that I want to know what Im paying for.. Ive said Ill pay the balance on my terms and ill be claiming the money back!! I wish I hadnt let them bully me into paying anything in the first instance!! I feel like they have won already.. God I can be so naive!! Ill see what comes back I sent a copy t I,J and their solictors.... If they even bother replyin!! My spellin is still terrible doesnt help being sat in bed the dark on the lappy lol!!

Hi I need some advice regarding the following sitauation stated in the letter I have drafted.. mainly being AM I IN MY RIGHT TO HOLD PYMTS UNTIL PAYPAL prove the debt was mine if so under what act??? My paypal was used fraudlently by my ex partner... can anyone help as they are wanting to take me for court for holding the last pymt and have referred my to there solictiors????!!!! and yes I know the spelling is crap but Ill sort that out before the letter goes Advice anyone??? With reference to your letter dated 31/03/08. I am writing to yourselves as I wish not to deal with Intrum Justitia directly, this is because of the way I have been treated by them. I am still waiting for proof that I owe this money Paypal are claiming I do!!!! Paypal cannot prove this money is my debt as my Paypal account was used fraudulently and I knew nothing of it until I received a letter from Intrum Justitia. I have been paying instalments as to not affect my credit score however I seem to get no where with Intrum Justitia. I will and shall claim back the money I have paid so far when Paypal cannot prove I owe them money. I have explained this to Intrum Jusitita many times and basically they are not interested. I have tried contacting Paypal but no one ever calls me back. I am seeking legal advice about this matter. I had also set up 3 payment plans with Intrum Jusitia and twice they failed to take money out of my account. I have proof that I had money in my account on the days they claim the payments bounced. I also have proof from my bank that there were no issues stopping Intrum Justitia from taking the payments. When spoken to I.J about this to be told that “its my fault” is very unacceptable. Therefore I feel I am within my rights to hold any further payments under the………………..act until the debt is proved legally mine. May I add that Intrum Justitia call me at work constantly when I have told them repeatedly Im not allowed to take personal calls at work, I find this unacceptable under the The Protection from Harassment Act 1997. I am taking further action for this case of harassment. Needless to say Im not very happy!!!!

Right well a lil has happened since I last posted.. I havent recieved my agreement that I requested by post theres a suprise!!.. Ive recieved a letter from them though about my complaint through the ombudsman, which doesnt really say much, just that they hope I no longer have an issue with them!! as if! Anyway I managed to clear the remaining balance 2 days ago and asked them to send me my logbook back.. so what do I get this morning...?? Only some f**ker elses logbook!!!!!! Some guy in sheffield who owns a kia lol! So I phoned em up.. WOW the only time Im actually put on to a supervisor is on this occasion when THEY have screwed up and panicking.. hmmm told em I wasnt sending the logbook of this guy back to em till I had mine!! They couldnt have helped me enough.. shame they couldnt have done the same a few months ago when I needed the help!! I feel like not sending them the logbook back but sending it to the guy whos it is with a letter explaining the cock up and to keep his logbook well away from them hahaha! Could they get me into trouble on a legal point for it though?? I really wanna screw em over in that way instead of taking em to court for the excessive charges.. I know which would give me the most pleasure [smugicon]

Not sure, there are part of some bigger group.. Ill be scanning in my agreement on monday and it says on there I havent had the statement I requested yet from them.. next week I will be able to send off the SAR when I can get to the post office for the postal order

When will the posts unjumble themselves they are in the wrong order

You really need to ask?? Haha! I reckon at a rough gestimate just over 3k.. lets see how correct I am when I ring em in the morning.. Must say they dont seem funny about the fact Im ringing them asking them for bits of information ie, agreement number, address, statement of account.. the last couple of days, i was expecting some attitude but that only seems to come when I actually question the charges and interest and how they work it out that they bring out the attitude and bull!! Makes ya wonder thats for sure!!

Agreement found Now what do I do? lol

The cheeky feckers just sent me a text saying Im egilable to top up my loan!!! LOL, just LOL!!

Ill ring them tomorrow and find out, Ive finished paying the loan back.. they say I still owe them approx £300 which is the reamining charges inc interest on the charges alledgedly also!!

Ahhhhhh right I can understand that perfectly.. thanks for that

Ok dude cheers for that.. Im curious as to why no signatures though??

Ok thanks do you know where abouts I find the template for the CCA?? I have the SAR printed out ready to send.. I may as well save on postage and post them both together

If I get the statement of my account as they have promised then do I still need to send the letter Allykat quoted above?? :???:

Your right I didnt I was tired and mardy last night..I will have another go tonight I looked through a box of paperwork I have at home, I found one letter from them at thats all.. maybe it is somewhere else I have just phoned them and they are sending me a statement of my account out in the post today, or so they say!!

Yes my first ever proper loan apart from my mortgage.. Ive had credit agreements.. such as catalouges and such with companys before and my credit rating is too crap to go to a bank, but to be honest I was between temp work and I needed some money fast!! To help with my bills/ car insurance etc; wish Id have known then what I know now but hey ho you live and you learn!! No I havent found my agreement yet