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monstris

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About monstris

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  1. Judging from the queues outside every branch of Northern Rock over the past two days, Northern Rock may suddenly find a dearth of customers and turn into a Northern Pebble.
  2. I'm thinking of using Simon Armitage's signature on something vengeful. But I know the best revenge is making Clownells lose. FYI, there are four Simon Armitages listed in Leeds. One of them is the Customer Contact Manager. And probably has lizard skin and yellow eyes.
  3. "Clownells" is slang / vernacular for "Lowells", a debt collection agency. If they've offered your husband a payment deal, he must've contacted them and confirmed where he lives currently. The DCA could very well be chancing their luck.... Incidentally, does your husband have a particularly common name eg., John Robinson, Peter Davis, James Smith etc...?
  4. After all this nastiness, would you really want to give them your business? The point is worth arguing but it would probably be better to take your money elsewhere.
  5. Will be watching your case like a hawk. Seems you are a few steps ahead of me into getting on the LowLife/Clownell christmas card list. No signatures. Check. But when should one acknowledge the ****? Anyway. Off to calm down by de-fleaing my cat.
  6. "Shall we organise a CAG bus up to Birmingham to formally congratulate the winners?" Sod the bus...we should get a nationwide campaign up / down there. Consumer Action Groups go postal on the debt collectors...I could even get a wee television crew for support. We could organise our own awards outside...or possibly something even more interesting.... What debt collectors probably understand but don't take seriously is that their victims come from all walks of life and you really shouldn't get us angry.
  7. How horrid.... How do they sleep at night...? I am almost 100% sure this pertains to an overdraft (unavoidable as a student). Does that still fall under the 6 year limit or is it 12 years?
  8. Diskmandave -- As for the CCJ point...not to my knowledge. Don't think there is one. If there is, it would've cropped up on my financial report. It didn't. This debt isn't even on my financial report anymore. It wasn't even on there last year when I went to apply (and got) a very nice mortgage. Incidentally, I would like to name and shame a very useless 'mortgage broker' who fleeced me (a then first time buyer) out of £500. He also made me lose a very good deal on a flat due to his fannying about...he then tried to blame the vendor / estate agent / me / anyone else except for himself...
  9. Thank you so much guys.... What happens if / when I get another letter? Essentially, when shall I acknowledge their existence via the statute letter? So many questions.... Why do these firms exist? Is it even legal for them to do this? Why do they suddenly pounce after or near the end of a 6 year period...they sound like corporate chancers to me...ones who rely on scaring people into paying up to something they no longer owe.
  10. I've just rec'd my first letters from Lowells. They sent me two individual letters with two consecutive reference numbers. They both refer to an address I lived in as a student for around 10 months in 1998/1999. I assume they refer to a debt to the then named Midland Bank (now HSBC). But as a student with absolutely no money, I went off and got another bank account elsewhere. The address and the account is well over the 'six year' period everyone talks about but last year, I bought my first house on a mortgage and I'm worried this could really screw up my chances of being able to move. I remem
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