Got yet another call from Roxburghe this afternoon, some guy so i told him very politley to quit calling as i am getting sick of them harassing me and then i hung up, i gotta give them points for persistance lol

You know i only just realised that... how the heck did they get my phone number? i never gave it to them and i was supposed to be unlisted, think it's time to call Virgin Media and see if they have listed my number!! btw, thanks for the replies Mike.

Yeah i figured as much, Throughout the whole affair (about 6 months or so) i have not made any contact with them so all they have is a picture of my car taken by some minimum wage employee with a digital camera. They have no idea who the driver was and i suspect they want to talk to me to try and trick me into admitting either i was the driver or telling them who was actualy driving my car? Still i have no intention of telling them anything, if they want to extort money from me then let them work to do so and if i get a day in court i am presuming that they would have to prove who was driving the car and that if i was asked that i could simply refuse to answer without hurting myself? They do after all hold the burden of proof don't they??

Hi again, just recieved another phone call but this time it was a lady from "Roxburghe" calling, i asked was i legaly required to speak to her and when she realised what i was getting at she said "no, ok goodbye" and hung up. wth is going on, 2 phone calls in the space of a week?? starting to feel harassed

Hi, as stated in the title i got a letter from CMS saying i parked at the car park for Pizza hut & cinema's but didn't use these business's so i had to pay.... blah blah blah I was already well read on these cowboys (Thanks CAG) so i knew to just ignor them and make confetti with said letters, which i did, including the letter from a so called debt collection agency. But last week i got a phone call from a lady who said she was with Graham Whites Solicitors and asked for me by name, i asked what it was in relation to because i suspected it might be this and didn't want to give her any information. She said she wanted to confirm my identity and coudln't tell me what it was about unless i did so, she did however say that i hadn't replied to their letter and thats why she was calling but without my details she wouldn't confirm what the matter was about. I said to her "listen, you called me... i didn't call you, i am not giving you any information as i have no idea who you are and i am concerned about being conned." i told her to send me a letter. Today i got that letter, it says that they are acting on behalf of "Roxburghe (UK) LTD" who are acting on behalf of CMS UK LTD and that they are asking for the amount of £188.00 to settle a PARKING CHARGE NOTICE. It also says that due to the absence of payment or a valid appeal they have been instructed to recover the amount stated. Funnily though at the bottom of the letter it say to contact Roxburghe upon reciept of the letter, does this mean that is my one letter from Graham Whites and their part has now been played?? I was very confident in my actions of simply ignoring these letters but receiving a phone call from them has effectively thrown me a curve ball and my wife who suffers with depression & O.C.D. has become very panicked by it, i keep trying to reassure her but she has become very scared about the whole thing. Everything i have read points to the whole thing being a bunch of **** but i have yet to come across anyone else who says they have been contacted by a phone call from a so called Solicitor? My instincts and every fibre of my common sense says IGNOR, IGNOR, IGNOR but for the sake of my wifes sanity and her being able to sleep at night i decided to post and ask for your opinions on this, It is tearing me up to see my wife reduced to tears over this bull**** so i can think of nothing else other than to seek advice from the CAG. Thank you, Mike.

Spoke to my bank this afternoon who told me they can (and have done) claim back the overpayments. Hopefully nothing will go wrong... thanks.

Thanks for your prompt reply, will keep you updated.

Hi, before i go contacting Santanders complaints dept, i thought i would post my problem here so i don't go off half cocked and make an ass of myself 5 months ago we bought a new TV from Comet, the finance was from Santander and the monthly repayments are £28.00 pcm. The first 3 instalments where paid with no problems but last months payment for some reason was £40.84? When i called up i was put through to an Indian call centre and the lady i spoke with investigated and told me there had been a technical issue on there end and that it would be promptly corrected and that my next instalment would be back to £28.00 again. When i asked her about the amount overpaid she told me that it would be knocked off my final instalment in the plan 4 years down the road! when i asked for it to be returned to me she told me this was not possible. I reluctantly accepted this, nearly 2 weeks after this i got a statement from them which stated that my next instalment would be for £40.84, i immediately rang them (India again) and was told that the problem had still not been corrected but the chap i talked with assured me that the next instalment would only be £28.00 and that he would get this sorted out for me. Guess what? Yup today Santander took £40.84 from my bank account, again! I rang India (AGAIN) and was told that this was a Technical problem (AGAIN) which has now been resolved and that my next instalment would be correct. I asked him "what about the money you owe me?" and he said it would come off my final repayment! When i said that this was unacceptable he kindly passed me to his manager... The manager informed me that it was impossible to refund the £25.68 they had wrongly taken and that there shouldn't be a problem as it would be knocked off my final repayment (4 years down the line), i asked that if i underpayed by £25.00 could it simply be added to my final payment instead of paying it right away lol ... i think you can guess his answer He did say he had credited my account with a £15.00 good will payment, i told him thank you but i would rather just have him either return my £25.68 or knock it off my next monthly instalment. I was told this was not possible to do and he offered me a further £5.00 credit for goodwill? I didnt understand why he just couldn't adjust my next instalment but he could give me goodwill payments and he couldn't understand why i was unhappy because my money would be returned to me 4 years from now? I am intending to contact a complaints dept for Santander in the UK but wanted to make sure that i am acting within my rights to insist my money be returned, i am unsure ifit's better to contact Santander in the UK or to contact my bank (Lloyds T.S.B.) who twice allowed an overpayment, I wasn't aware a creditor could change the amounts taken from a DD account without notice? Thanks for reading

Just made a donation to the CAG but just as i clicked the button in paypal i realised i had not put my username in the "tell us who you are" box lol no worries, i guess i am anonymous *EDIT* my names (Mike Speakman) on my receipt email from pay pal so i guess you will also get that info too.

I guess they are what i like to refer as "parting shots", one last opportunity for them to try and throw some weight around (weight i now know they don't have thanks to the CAG) They can reserve the right all they like just in case they find the missing "CCA" as me and my wife both know it doesn't exist Our income support is paid on Thurs so i will gratefully make a small donation by way of a thank you to the CAG and it's Caggers. You guys have saved us so much worry and stress, thank you

RESULT!!! We received a letter from "Shop Direct Finance Company LTD" today, they have informed us that they will NOT be enforcing the Account (£1123.30) and that we can consider this letter as their "final response" lol They do however say that our records in their internal files will show that the account remains unsatisfied and that this information will be shared with credit reference agencies? I was under the impression that they would not be able to hold this information let alone share it with credit reference agencies? I may have miss interpreted the letter though, you can read it for yourselves: Shop Direct letter, page 1 Shop Direct letter, page 2 I have to admit, After all the bullsh*t that they put us through on the phones before we found the C.A.G i was kind of expecting more of a fight, i am somewhat relieved as it has been like a dark cloud looming on our horizon for a while now You guys are brilliant

Got a Letter from NDR today, it was a statement and another letter the same as the quoted one above telling us that we had broken our agreement and NDR where going to add another £12 charge to our bill. Probably an automated letter, it wasn't signed at all. It did however make me want to phone them up and give them an earfull about paying attention to the status of their customers accounts.... but i resisted the urge lol

Will do Scott, thanks for the quick reply Mike.

Got a reply this morning but it wasn't from NDR or Empire Stores? This time it was from "Shop Direct Finance company LTD." what are they playing at... are they passing us about ?lol Anyway... it wasn't quite the response i was expecting, it seems that there attitude has changed to a friendlier one. We where expecting all manner of threats, I guess they realise now that we have been made aware of our rights and the letter of the law here is the letter we got today: Letter from Shop Direct Finance LTD so what is the next course of action? Obviously we have no intention of taking them up on the offer of using their complaints procedure Mike.

Sent the letter today by special delivery (next day delivery) to NDR at the same address as the CCA request went to. i guess it's time for the proverbial poop to hit the fan now isn't it lol Does anyone have any idea of what type of response we might expect? I know they are not going to just accept it despite it seeming apparent that the letter of the law says they can't enforce the debt, I would be lying if i said we where not feeling very nervous and anxious about the whole thing now, We can't seem to shake the feeling that we are doing something wrong and will end up in trouble I know that's daft, i guess we are just to flipping soft when it comes down to it