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Posts posted by jobmid

  1. i wonder could we get a petition going to outlaw DCA's as there a waste of time, they occupy alot of time beloning to the courts, ofcom, oft and trading standards. I wonder has anyone in parliment has ever taken action against these people who prey on people who have fallen on hard times. Sury in this credit crisis its time to come down on these people. Just a thought;)

  2. firstly your in good hands here. Might be useful to start your own tread and you will get better answers that way. Secondly I would call your credit card comapny get them to issue you a new card tell them the old one was stolen. This will stop MH from been able to get future payments off your card. Now how old is the debt. It might be worth asking them for a cca to see if they actually have one chances are they dont


    1 High Street,



    R21 4RH


    June 28, 2006



    The Loan Company

    Company House,

    Church Street,



    R1 7HG


    Dear Sir/Madam


    Re:− Account/Reference Number 4563210025897412


    This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.


    I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.


    If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.


    Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).


    I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.


    If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.


    We look forward to hearing from you.


    Yours faithfully

    Mr A N Other

    Print Name Do Not Sign

    this may not even be your partners debt this happened with me a few years back and I ended up paying someone elese debt
  3. Yes indeed. I just spent 10 minutes clicking pay-per-click MBNA ads on Google. Apparently it costs them about £1 a go (was it you that told me that David?), so I reckon I've cost them about £100 quid tonight. Now there's a direct action campaign that could cost them a few bob - imagine 10,000 people all doing the same every night for a couple of weeks!


    I think next time I'll do it through an anonymous server in case they decide to look up my IP address.






    Maybe I will tell MBNA that next time they call me that I will cost them the cost of my debt (which they dont have a credit agreement for) that i will keep clicking thier adds and cost them alot of money. Wonder is there any other ways of costing them money? Would be fun!:-D

  4. Thanks again for that one - only the one letter so far - I don't seem to be getting any calls from them at the moment, only Allied international ! for a TSB CC (apx 18 months old now)bill I can no longer afford. :( I don't answer them though - one positive of having number ID on the home phone - just had a number of ansafone messages ! asking me to ring back !! one letter dated the 19 th November arrived the other day stating they would recover the balance via attachment of earnings, placing a legal obligation on my home so that I could not sell it to raise extra money etc - the CC amounts to about 7k. TSB didn't want to know and demanded 199 @ month, I offered £60 - didn't go well and they have passed the debt on to Allied.


    well if it ever does go to court and you offered 60 pounds the judge would accept that. did u user the budget template letter on this website? DCA's are like a plague I wish they would finnaly be put down. One day I will get my wish.

  5. Red(Lowell) they tried to collect I debt I paid years ago. Turned out that the first DCA Metropolition's lawers SL Bluestone law chased me for a debt that was not mine I ended up paying more than I should have had to. I got a nice little refund of 500 pounds but they ignored all solisitor letters my solisitor sent them ended up she reported Metroplition to Trading Standards and they got a massive fine:-D


    Latley Aktiv Kaptal have made contact with me about a debt that is not mine. They are just searching for names and found mine so they have decided to hound me. Its like groundhog day all over again.


    The Tally so far in order of appearince:

    Intrum Justica :DNow gone from my life

    Metropolition :pGone and had to repay me 500 pounds

    Red(Lowell) :cool:Case Closed

    Aktiv Kapital Will be saying good bye very soon.

    MBNA :cool:Battle has commenced

  6. can anyone provide me the link to the template letter talked about on here? I am getting harissing calls from MBNA the funny thing is they never sent me a credit card agreement to sign but they contiune to harass me to the extent that I will only answer calls from numbers I reconise. This has caused me alot of bother when trying to find a new job.

  7. Clair was coming to see me.


    Waited in but she stood me up!!




    thats a pity ypu must have got all dressed up for her!!:wink: Not to worry ryanair are doing £1 speicals at present so I am sure she will be along soon.


    On a serious note do these people ever learn. They can not turn up on without your permission you could report them for tresspass if they do. I too am getting ready to do battle with them. I took a card out with them in 2005 applied online but they never sent me a credit agreement to sign so hence there is no credit agreement there is no debt to be paid.

  8. hi whiteheat how did you get on with Lowell?

    thanks for you letter we appologise for the delay in replying

    we can confirm that you made a payment on the 26 november 2002 therefroe unfortunatly the limitation act 1980 sectin 5 is not applicable in your case

    as the above balance of £564.72 remains outstanding would you cotact us to discuss payment arrangements.

    we look forward in you prompt reply.


    from what i have learnt you debt now should be statue barred unless you have made a payment to them in the last 3 months. let us know how you got on?

  9. I got this letter from Aktiv Capital but I have never held an account with barclays. Do you think they made a mistake they must be looking for someone else as I have never banked with Barclays.


    Dear Sir,


    Re: Agreement Number: ............ Barclays Bank Pic


    We write to advise you that Aktiv Kapital First Investment Limited has bought the interest of Barclays Bank Pic in the debt that you owe them under the above Agreement.


    We are acting as Collection Agent on behalf of Aktiv Kapital First Investment Limited which is now the legal owner of the outstanding balance on your account.


    Our records show the total balance outstanding, inclusive of all accrued interest, amounts to .£ 165.62.


    You should not send any further payments to Barclays Bank Pic and, if you have a Direct Debit or Standing Order arrangement in favour of Barclays Bank Pic that should be cancelled.


    All future payments should be sent to this company at the address shown. Cheques must be made payable to Aktiv Kapital (UK) Limited. If for any reason you are unable to pay the full balance immediately, you should contact us as soon as possible to discuss payment arrangements.


    We look forward to receiving your prompt payment. If you wish to speak to us, our telephone number is clearly shown on this letter.


    Yours faithfully,



    Aktiv Kapital (UK) Limited


    Thames Credit Limited is part of the Aktiv Kapital Group and is now operating under the banner of Aktiv Kapital (UK) Limited.


  10. Anyone know where i can find the cca template for MBNA? I have a credit card with MBNA but I think I never signed a credit agreement. I am not looking to steal money from them. I have an issue with them where they say I concented to payment insurance which I did not and say its in the credit agreement which I singed. Which I am sure I never did.

  11. Secondly you at least need to be able to quote the time and date of the call and preferably the name of the caller to have any chance of getting this info. A data protection request for any phone call transcripts to you over the last six years would be impossible for them to comply with (whether they keep records or not which I do not know).

    Yes I have the time and date of the call they called my mobile so I know exactly when they called. I was advised at the start of the call the it was been taped. I used to work for a very big telcoms company I wont name them in their call center and they taped every call and its the same phone system that HSBC uses. I sent a subject access request today to see what happens I also asked for what ever credit score details they have on me as i checked my credit report and its in very good shape. I have no debts and shows everything paid on time.

  12. Hi

    I was wondering if anyone here knows how to get a data protection request to have a cd or a transcript of a telephone call that the hsbc call centre made to me.


    The situation is this I applied to open a student bank account over the phone they said it was approved

    however I went into the branch and they said it was rejected.


    I have had a letter back from the hsbc quality team saying the information proived by thier college was incorrect.

    So they admited that he said I could have the account but they are still saying no.


    They say my credit score is too low

    I have done a check with a credit refrencing agency and my credit history is clean and has a good score.


    Any ideas how I can get a tape of this phone call or how to proceed futher I belive this is misrepsentation?

  13. Ok heres the story. I cancelled my services with virgim media because I had a bad service from them I was supposed to be getting 20mb broadband when I was getting less than 1mb. I then moved house 3 weeks later. Last week I got a letter forwared from my old address saying I had defaulted on my prevoius bill. They then handed my account over to Wescot Credit Services Ltd. I made a payment last week of the full balance when I recieved the letter from virgin. I called virgin today to ask them do they have my payment and they said they had. I then enquired as to why I didnt get a bill they said they did send a bill it was sent to my ebilling account twice. Funny that when I had canceled my broadband service and did not have broadband anymore how was I supposed to get my bill?


    Virgin now said they will mark my default as been satisfied but for me its not good enough I want it removed from my credit record. Does anyone have any advise as to how to get this removed?

  14. Hi Pete

    thank for your help.


    Yes bluestone say they can provide a new recipt to me.

    Also I paid them via sterling bank draft from TSB bank in Ireland which was taken out of my account with them so there is a paper trail proving this all the way.


    Metropolition are having none of this.

    They are saying the debt is still mine.


    I spoke to the manager of the hsbc bank and he was the one who informed me of what happened.


    Do you think I should sue for damages?

    They have put me through alot of stress.


    the account i settled they said was mine but the manager in HSBC said it was not

    its their mistake not mine


    they have had this on my credit report for 6 years showing it still outstanding when it should have been marked as settled.


    please eveyone i cant sleep with the worry of this can anybody offer me advise?

  15. I was contacted by an agent of SL Bluestone Law on on behalf of Metropolitan regarding a debt I had with Natwest bank.


    I settled this account with her in May/June of 2002.

    She then contacted me at the end of June in 2002 and said that she had an account with my name on it with HSBC bank and that she wanted payment for it.

    I settled this account at the start of July 2002 as I did not want it to ruin my credit rating.

    I thought that that was the end of it.


    I moved back to Liverpool in September 2007 and 2 weeks ago I received a letter from Lowell Portfolio Ltd saying I had a debt which was sold to them by Metropolitan. This was the debt that I thought I had cleared with Bluestone.


    After a lot of digging around it looks like I paid a debt owed by some body else from cork in Ireland who has the same name as myself born in the same year but has a diffrent middle name and was born in March I was born in August

    I paid more that I actually owed to HSBC in the first place.


    Has anybody ever experinced this.

    I sent a letter via registered mail to metroliton demaning a resolution.

    A good chunk of the debt was regarding overdraft charges which have been made illigal in recent days.

    Any advise would be greatfull.

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