I stand corrected Typing too fast Lol Thanks again Curly where would I be without you Andy

No they cant have another stab at it Lol

You just have to wait now and see if your agreement turns up and we can pull that to pieces and in the event it dosent you will base your defence on the invalid Default note Hope that makes sense Regards Andy

correct

Hi Alan You have £60.00 penalty charges on your statement which therefor renders your default note invalid as I explained way back in this Post. Tomterm its not £296.00 penalty its a bounced D/D negative transaction with a £30.00 Charge. Regards Andy

Thanks Curley I will have to borrow your F/cabinet and update mine P.s Love the Due Dilligence line Regards Andy

Hi Post them this and send it S/del tomorrow then sit back and relax Dear Sir/Madam I DO NOT AKNOWLEDGE ANY DEBT TO YOUR COMPANY You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to your Company I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully (Dont Sign) Regards Andy:cool:

And hold that letter for now until you get more advice on here

No Dont ask that!! I agree my bed becones now I will be around tomorrow and we can take it from there Regards Andy

Good You are in avery positive position to turn this to your advantage should you wish. In answer to your question No you are not obliged to answer that question this is where many people fall into NastyWest grasp. It is an Income and expenditure sheet nothing more or less not an Income and asset sheet. They could always search the Land Regestry and find out if you own a home but would prove pointless because they dont know the equity attached Right next you need to check when convienent if there are any late payment charges or penaltys at all inrelation to that old Current Account. And you need to decide from which front you wish to proceed with their game which I will detail later Ok up to now ? Regards Andy

What date did you enter into the agreement and what is its term?

Hi I trust you still have the statements? can you see where we are going with this.If they send you a I & E form in request to you extending your plan you will notice the very first question !!!!!!! Do you own your own Home and what is its value Avoid this question like the plague

Hi Vex You said you missed a couple of payments in your first post was this 2 and not three and where you issued with a default Notice? Sorry for the third Degree but to give advise I need to get an angle on your predicement and work out NW next move to help you to avoid them. regard

Income and expenditure

I personaly would have not chosen that route but however NW are now at a stage of impatience.They opperate in exactley the same way each time. So you have not actualy filled out their own i & E sheet and returned to them. And again I ask do you pay from a nw current account on your Loan? Regards

Hi This would appear to be one of the latest tactics from our friends Snatch west. ie you go on payment plan for six months and quite rightly you expect a review at the end of the term.No dosent happen. can i ask if you filled in a I & E form from them yet? Also do you pay from your existing NW current account? Regards

Buzby I didnt mention Nokia paul did.I said from post 2 It cant be done as you have just said the same. Thanks for clarifying our little dissagreement Regards Andy

yes but daz wanted to know could is Virgin Box work with Sky Dish to obtain Sky HDTV I replied No that was the answer.Why you find you have to undermine everbodys answers here on CAG I dont know? So as daz has not got a Nokia Box your reply which was not needed seems irrelevent would you not agree? Thats my point Andy

So a reciever designed to recieve cable signals from Virgin can actualy work with frequencys from a Mini Dish fed by Sky (who cant transmit cable signals) Im interested ?? Ill check with Virgin and get back to you shortly Your Knowledge about everything is truley amazing Regards Andy

I rest my case M,lord Regards Andy

You dont have to pm curly to help you out surely Paul? Andy

compatable with HDTV in which is what this post refers to?????

Well?

Since when Did nokia make cable /Sky Boxes then?????????

since when did a Nokia Freeview box have a Screw in LBA port such as the like that virgin and Sky use??? Nokia only as an Antena in. Perhaps you could clarify Paul as I would be very interested in your Input?? Andy