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debs4th

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Everything posted by debs4th

  1. Hiya, my gas bill got out of hand and has a debt of £180 i thought i had arranged a payment with edf i was ment to be calling tomorrow to pay £50 installment, but now i have recieved a letter from richburn saying the 180 is now with them saying it is their intention to come to my house from 29th aug to install a prepayment meter or disconnect me, it gives me the option to call and pay, I cant pay it in full simple as that, i can pay £50 but do i ring richburn or do i ring edf, and surely they cant give me a letter dated today 27th to say they coming from 29th Help please!!!
  2. Hiya, my gas bill got out of hand and has a debt of £180 i thought i had arranged a payment with edf i was ment to be calling tomorrow to pay £50 installment, but now i have recieved a letter from richburn saying the 180 is now with them saying it is their intention to come to my house from 29th aug to install a prepayment meter or disconnect me, it gives me the option to call and pay, I cant pay it in full simple as that, i can pay £50 but do i ring richburn or do i ring edf, and surely they cant give me a letter dated today 27th to say they coming from 29th Help please!!!
  3. Hiya, hope im posting in the right place - On Monday i rang up the tax credits to do my annual review over the phone, i heard it takes a few days and it might be adjusted, so i rang up today to ask if there was any change to payments the bloke on the phone put me on hold and came back and asked me what was the income amount, he asked me if i was sure then told me it would be a few more days. Im really worried as when he confirmed the amount my little one was screaming in the background i couldnt really hear well so i agreed . The reason im worried is my hubby went from part time to now full time and just by the tone of the mans voice he scared me!! especially when i was put on hold. i dont want to ring up again just yet as you know what they are like, its a different thing from every advisor im totally paranoid that as the amount (income) has changed quite a bit from last year to this year im paraniod im under investigation or something. Does anyone have any advice? what if ive somehow confimed the amount wrongly do i ring quickly to check, do i wait, am i been investigated????? Hope someone can help a paranoid mum!!! Im only paranoid as every year they muck it up somehow xx:confused:
  4. Hiya, hope im posting in the right place - On Monday i rang up the tax credits to do my annual review over the phone, i heard it takes a few days and it might be adjusted, so i rang up today to ask if there was any change to payments the bloke on the phone put me on hold and came back and asked me what was the income amount, he asked me if i was sure then told me it would be a few more days. Im really worried as when he confirmed the amount my little one was screaming in the background i couldnt really hear well so i agreed . The reason im worried is my hubby went from part time to now full time and just by the tone of the mans voice he scared me!! especially when i was put on hold. i dont want to ring up again just yet as you know what they are like, its a different thing from every advisor im totally paranoid that as the amount (income) has changed quite a bit from last year to this year im paraniod im under investigation or something. Does anyone have any advice? what if ive somehow confimed the amount wrongly do i ring quickly to check, do i wait, am i been investigated????? Hope someone can help a paranoid mum!!! Im only paranoid as every year they muck it up somehow xx:confused:
  5. ill dont have scaner but ill try and take a pic later when kids in bed! and put that on, ive got a photocopy of the originla cca , im not sure what pescribed terms and executed mean? I know i was in shock with wescott too
  6. Thanks for quick reply! Thats what i thought, they sent the cca within time aswell, im just so gutted as id found this forum and found out about satute barred just a month or so after i made my first few payments to them - typical!! It was for a topshop account and dorothy perkins account - thanks for your help anyway, i might still send a statue barred letter i did this with a nother debt (westcott) and id made some payments to them in the bottom of the statue barred letter i added that the payments already made were ex gratia - i got a letter back a mth later saying that they closed my account
  7. Hi heres my previous post so you know the background: "Hiya, Im just wonderng if anyone can help me, after reading alot of information on here i found a couple of my debts were statue barred theses have been closed now Thanks!!! But i have a problem with Bucahannan Clark and Wells, i had a debt with Aktiv Capital over 8 years ago in jan 2007 i got a call and was basically so scared i set up a DD to pay back £20 a month, i never admitted debt in writing i recently spoke to them and think that the debt is statue barred but they say it defaulted on 10may 2001 but as i started paying back in jan its not.. Ive since requested a coipy of credit agreement about 4 wks ago and ive still not recieved it i got a phonecall yesterday about the debt so i mentioned the agreement 'its in the post' I stpped payments at christmas as really had no money, so i just dont know what to do next do i fight them or am i in the wrong, its really bugging me as we spent all of last year clearingdebts and sorting finances and this is the last one! They just intimidate me on the phone and as they still havent posted me stuff i cant write to them as i lost the address and my account no - sure they will be on the phoen to me soon tho! :)"" Following on ... i have been sent out my cca for this and the agreement was took out in 1998 - does this mean i can send the statue barred letter as the contacted me over the 6 years this did work with the other debt from a diff compnay i just wanted to check as these people have been so horrible to me i really dont want to pay them back - also thanks 42nd man they have stopped ringing me now
  8. Thanks, i will be printing and posting tomorrow! feel calmer now
  9. Hi heres my previous post so you know the background: "Hiya, Im just wonderng if anyone can help me, after reading alot of information on here i found a couple of my debts were statue barred theses have been closed now Thanks!!! But i have a problem with Bucahannan Clark and Wells, i had a debt with Aktiv Capital over 8 years ago in jan 2007 i got a call and was basically so scared i set up a DD to pay back £20 a month, i never admitted debt in writing i recently spoke to them and think that the debt is statue barred but they say it defaulted on 10may 2001 but as i started paying back in jan its not.. Ive since requested a coipy of credit agreement about 4 wks ago and ive still not recieved it i got a phonecall yesterday about the debt so i mentioned the agreement 'its in the post' I stpped payments at christmas as really had no money, so i just dont know what to do next do i fight them or am i in the wrong, its really bugging me as we spent all of last year clearingdebts and sorting finances and this is the last one! They just intimidate me on the phone and as they still havent posted me stuff i cant write to them as i lost the address and my account no - sure they will be on the phoen to me soon tho! :-)"" So following on BCW phoned me again a really aggressive man was having a proper go at me on the phone i said i am getting a call every day and im explaining my situation every day to someone new all i want is my acc no your address and my credit agreement sent out, he said it was sent yesterday - suprise ive had one sent every day now for the past mth that has never arrrived!, The man was very reluctant to give my my acc no and address of BCW but i have it now, im going to write via recorded del requesting my credit agreement anddetails. So it was just to see if anyone has any advice or experiance with BCW I am literally shaking of that call i was so tempted just to set up DD and pay but i knew thats what he was trying to do Sorry this was long
  10. Thankyou so much for your replies, i will send them the letter of the template and make sure its recorded and hopefully this will stop them ringing me.
  11. Hiya, Im just wonderng if anyone can help me, after reading alot of information on here i found a couple of my debts were statue barred theses have been closed now Thanks!!! But i have a problem with Bucahannan Clark and Wells, i had a debt with Aktiv Capital over 8 years ago in jan 2007 i got a call and was basically so scared i set up a DD to pay back £20 a month, i never admitted debt in writing i recently spoke to them and think that the debt is statue barred but they say it defaulted on 10may 2001 but as i started paying back in jan its not.. Ive since requested a coipy of credit agreement about 4 wks ago and ive still not recieved it i got a phonecall yesterday about the debt so i mentioned the agreement 'its in the post' I stpped payments at christmas as really had no money, so i just dont know what to do next do i fight them or am i in the wrong, its really bugging me as we spent all of last year clearingdebts and sorting finances and this is the last one! They just intimidate me on the phone and as they still havent posted me stuff i cant write to them as i lost the address and my account no - sure they will be on the phoen to me soon tho! Any help will be great cheers xx
  12. Thanks for you help - i will do that i will make sure ill keep some money just in case!
  13. Hiya, Ive got some money (YEAH!) so im paying of the odds oand ends of debts, im managed to negotiate with one and get it halfed, im going to try to haggle with the rest today so any advice on this would be great! so i have one debt that i have just been informed of by buchannan clark and wells from barcleycard over 10 years age i panicked when they rang and was more or less bullyed to set up a dd for £40 i have made one payment last mth and the next is due but after reading up on these great forums i am 99% sure this debt should be Statue Barred so do i write to them and refuse to pay or have i messed this up by setting up an arrangement, or do i ring and haggle a lower settlement the debt is for £1000 so if i didnt have to pay it wuold go on xmas pressies and another small debt. Any advuce would be great debs xx
  14. THANKS!!! Im gonna send that letter tomorrow - thanks for your help debs xx
  15. Thanks- they deffo dont have any written proof, what advice would you give as to what my next step should be?
  16. Hi, i dont think i hadany contact - im not 100% how do i found out - should i ring up who ive paid -if so what do i say or do i just not pay any more , ps thanks for your help
  17. Hiya, ive spent the last few years getting lots of debt out of the way, ive just been reading through alot of your advice and i nowthink i have one debt i dont have to pay, I had a letter form Buchanan clarks and wells about a debt to barcleycard wihch i had in 1999/2000 it says purseuers are Cabot financialeurope limted and the amount is just over a grand - the actual debt what i remember was £500 ish, I rang up and have a arranged to pay back £40 a mth, but i now wish id waited as from reading things on here im not sure if i have to pay it with it been old/????? any advice - now that i ahve made a payment is it just tough luck to me im a bit confused!!
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