Thank you hopeful1 for putting that link on for me lisa:)

Thanks for the message is words like this that makes you carry it on. Glad to hear you going to carry on fighting it worth it i ahve fought 4 alraedy for mum 4 more to go and 2 for dad. Im so grateful for all the help I have had on this web site there are people out there who care. So dont give in I would of done if it wornt for everyone on here. If you need help just ask like i do lisa:wink: :grin:

Hi godmother yes everything on the agreement is correct and it is signed thanks for looking lisa

Hi there all Would someone please be so kind as to look at my other thread on mums littlewoods and marshall wards cos littlewoods sent a cca and its signed, but if you can just look at it for my and please give me some advice on what to do I would really be thankful thanks lisa

Hi there N.P well mum got that exact some letter today from MHA collector it must be a photo copy exept for name and amount owing. Have you replied are just leaving it for know. lisa

REGARDING MUM TSB Hi all mum got call on wednesday from mha collectors regarding her lloyd tsb, she just said if you look back you will see that the account is in dispute so dont call again they said will check that will put calls on hold so so far no one has called but its only friday lisa

Just figure out how to do the quoting getting there:p

Hi I noticed tonight when i checked spreadsheet and you right it does change daily I just had not noticed cheers lisa;)

was wondering if anyone has some advice on this cca thanks lisa

Sorry but i know im thick but how do i get the interest to change cos its not changing

Thanks ever so much hopeful1 you are such a big help to me thanks again lisa

REGARDING MUMS STUDIO This is the letter that I received from studio:D thanks lisa

Hi there all do you think i should just send the letter in post 115 to the complaint department first and see what they send back before sending letter in post 104 or should i send both cheers lisa

Johnnymitch, sorry to bother you but im busy get stuff ready to send off tomorrow . You know that spreadsheet you sent do i need to change the day since offence cos it will be longer know wont it thanks lisa

thanks for all your help. Yes i will keep it safe i have a file and she just gives me a them correspondance and i file it lisa 4 more creditors to go

REGARDING MUMS STUDIO GIFT AND CARDS ACCOUNT after sending the letter in post239 to moorcroft regard mums account they must have pasted back to studio and studio have sent a letter saying they have removed all charges and interest of the account since statement 8 and will know accept a pound a month until the balance of £188.85 is cleared, so thats ok i think i will get my son to scan the letter on tomorrow cos i still have not got hang of doing it lisa

thank you do i put it in the same envelope as the schedule of charges and the prem letter or send it seperate thanks again

ok thanks freakyleaky i will have a look aswell

Hi there yes thanks I have emailed you back johnnymitch Can i just ask can i send them a letter with this say wont be paying as account is in dispute due to charges cheers lisa

Thanks hopeful. I think im going to ignore that letter from fredricksons cos I think if they knew they had a leg to stand on they would of done something by now. thanks lisa

Hi N.P Are just going to ignore fredricksons then to see what they came up with next I think that is what we going to do cos what i think if they knew that they had a leg to stand on they would of taken mum to court me now lisa

ok thanks soory i was my fault freakyleaky

Hi n.p I have been advice to file under ignore so i dont know what to do lisa

Hi there all You wont believe me but having a right laugh but fredrickson have sent the same letter again as before but only this time with an argos statement, what are they playing at? Do you think I should reply this time or wait again. Please could someone advice me what to do thank you lisa