CB you are funny!

Anyone had much to do with these "LOVELY" PEOPLE

Had a pretty looking "threat-o-gram" from IQOR today, all different fonts and stuff-valid if not read by you, lol very loudly! I phoned the buggers too and had a brilliant arguement with this funny creature who didn't know her arse from her elbow! Coversation went like this:- Creature:- this is iqor phil:- this is mr blah blah of blah blah, reference blah blah Creature:- yes there seems to be a problem with your recent payment phil:- yes I haven't paid it! Creature:- Why? phil:- because the debt your persuing is statute barred isn't it? Creature:- UHHH! What does that mean? phil:- I'll explain-my assessment with the CSA was april 1999 and that was the last time I had contact with them. On july 12th 2000 the law changed and csa payment after this date could be chased up, but not before this date, with me so far? I have had no contact with csa since april 1999. There is a statute of limitations on debts in this country, its 6 years. 1999 from 2007 is 8 years, so the csa have said they can't chase me for the debt through court as its statute barred you see. Creature:- You will have to contact the csa to confirm that phil:- already have, now I telling you its statute barred Creature:- You'll have to pay it anyway. We'll put an attachment of earning order on you! phil:- not bothered as its statute barred and by the way I don't work...laughs very loudly Creature:- this isn't going anywhere phil:- don't you want to threaten to send the boys round or try and intimidate me in another way? Creature:- we'll get you another way phil:- I'm shaking in my boots, honest I am! PLEEEEAAASSSEEE take me to court, PLEEEAASSSEEE I want you too Creature:- this isn't going anywhere.....puts phone down! Cheeky Mare So Iqor 0 Phil 1

Said baliff turned up today and went away with tail between his legs as I'm not Mr. Kevin Harris and never will be! He was very apologetic after my GSD nearly broke the door down to get to him, lol very loudly! I did phone his office like suggested but they insisted on sending someone out as they didn't believe me! Ahhhh well another day over.

ODC and Scarlet Pimpernel you are soooooooooooo funny! Honestly it lights up my day to come on CAG and see so much humour in the face of adversity, carry on chaps(&chapesses!)

Thanks all for your responses, I appreciate them. I asked about the credit report as all my debts are over 6-7 years old and wondered if they are still on my credit file? I ask this because I have been sent a few credit card applications through the post and though, nah it cant be right my credit is sh**e, anyway just thought I'd share this with you, best regards Phil

Thanks Rory. Theres no other companies are there, apart from the ones linked to DCAs?

I wonder if you can help...here goes... does anyone know where I can check my credit file without paying for it please thanks Phil

Thats how it is PO I am "deferring" my Student loan as they call it and will never be in a position to pay it off, however it will accrue interest everyday it is deferred until you are 65 as you have said and then it wiped out. You have to provide DWP benefit information that has to be signed by the DWP every year , I know because I had my benefit stopped for two weeks as they thought I'd been on a course, thing was the course was 1993/94/95. Once I pointed this out to them they re-instated benefit, still a bugger though.

Well I thought it was me.... obviously not, he is not a nice person with a poor opinion of people. If I hadn't had a nervous breakdown and been to war and developed PTSD and the bank hadn't wanted their money so bad then I wouldn't be in the sh**e I'm in today. As far as I'm concerned if you can find a way out of the dark you will take any path available to you, be they bad or good, right or wrong.

Oh ODC u r pickey arnt u ? lol very loudly as I've had a few vimtos!!!!!!!!!!!!!!!!!!!!! Best regards Phil & his breed!

Dave you've got my vote mate, good stuff! Go get em butty!

GO ON MY SON!!!! Good on you oneofakind, go for it mate!

Blinker I belive Chesterexpress is a DCA in disguise so I wouldn't pay him any attention what-so-ever. It is not his right to comment on your personal circumstances and this honourable (edit)hes coming up with about paying your debts is blackmail used by DCA's to ensure you pay your debts. Ignore the (edit)

It seems the little devils have gotten hold of my wife's mobile number and want to talk to me....wonder why? LOL very loudly indeed! The nice lady said she wanted to talk to Mr.so-and-so and that it was an urgent business matter. I said that she had the wrong number lol. She said she was from a company in Preston and we all know who that is don't we? Tel:-01772 557600, yes we know who it is don't we? Its our friends Iqor again, oh how we(wife&I) laughed when she asked security questions, sadly she put the phone down on us, the cheeky mare!! Looks like the fight is on in earnest, heads down, arses up and drive on to the front. Looking forward to the mornings post...LOL. In control of my life again and liking it!! Nice to see you looking in ODC and thanks for your support oneofakind