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BECCALOU

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Everything posted by BECCALOU

  1. There is a bunch of stuff from them regarding purchased debts going back years the majority of which are nearing the magical 6 year mark. I have never acknowledged anything with them and have ignored, but saved, every letter they have wasted their time sending me.
  2. Interesting. I have checked my credit report and see that Lowells have been searching regularly. In fact there are 16 searches by them (4 of which were on the same day!) in the last 10 months.
  3. Thanks for that. As for assetts .....none except an elderly car. Other liabilities .....say £30K. These are on my credit file so if they have done their homework they will be aware. Might sit it out and see what comes of it. If court action starts I will enter a full defence and refer to the other liabilities perhaps?
  4. Got a letter from the building society Jan 2007 chasing this saying they would accept any proposal. Ignored it. Nothing then until January 2008 when I received exactly the same letter. Again ignored it now the letter from the solicitors arrives.
  5. Hi All, House repossessed around 3 years ago. Sale price more or less covered the outstanding mortgage. Received a letter from solicitors the other day trying to claim nearly £11,000 for what they describe as a loss following the sale. Various dubious items included but the bulk is £7,000 interest. What are the prospects of them actually starting a court action to try and recover this?
  6. I must have been lucky with their random "discounts". Mine was for 70% which I think they repeated about three times. They really are a crap outfit.
  7. I think this scrappy outfit are known as "tertiary" debt collectors or collectors of the impossible. I received the raft of letters, including the one like yours, and ignored the lot. They did send out one of their plods to knock on the door on 3 occasions despite my sending the "don't bother" letter. After that things went quiet but they seem to have started all over again .....deep joy. Watch out for the Knipe Smith solicitors letter, CSL are simply using their letterhead!
  8. Thought I would put my two penneth in. Credit Security Ltd Cheap, tacky and thoroughly unprofessional.
  9. Credit Security Ltd for ignoring my letter stating I had no intention of entertaining any doorstep calls yet their agent came knocking 3 times (all ignored). Relentless calls to a mobile number (all ignored) now calls to work. Letter regarding calls now sent. Lets see if these muppets can understand it!
  10. Talking of this bunch of hapless scrotes, has anyone else received their all new credit card type statement. This states it is a pre-requisite of the company who hold a signed CCA and not them and will be sent on an annual basis until the balance is zero. What a load of c**p.
  11. The letter you have received will not have come from Horwich Farrelly who are a genuine firm of solicitors and not part of RobWay. RobWay simply use their letterhead in the hope of making you believe the letter is from Horwich Farrelly. I wouldn't worry about it if I were you.
  12. Hi All, Received a "pre-enforcement" letter from bailiffs for an old OS council tax. Was paying the council directly but had to stop for a while because my wifes working hours had been reduced by 50%. Wrote to the bailiffs and offered to pay the full amount claimed (including I presume statutory charges) in 6 equal installments. Received a letter back saying I must pay in 3 installments which I quite simply cannot. Can I stand fast with the offer I made which I can afford?
  13. Have had similar 50% & the like from other DCA's. Sought advice on this forum and was told that if you agree to it they take your cash and then sell on the remaining 50% to other DCA's who start all over again with you.
  14. I had the same runaround. AIC first then Apex then Robway. I ignored the lot of them.
  15. Think Lowells owned it. Usual 50% "discount", etc. Noticed on a Fredrickson letter head "Brand/Product: Lowell" so I wonder if they have taken a tranche off them?
  16. Lowells been writing for over a year. Ignored them. They havd instructed the above outfit now. Received a card stating Confirmation of Residency and that they will be instructing solicitors. As Lowells/Hamptons/Red haven't done anything I suspect the same will apply to this lot. Anyone else know they seem to be in cahoots with Lowells?
  17. Posted a thread a while ago regarding this outfit and what appears to be a new line of attack they are using. First letter saying the papers are being fast tracked for consideration of bankruptcy proceedings now received the one threatening the statutory demand letter may be issued next. Anyone actually received one of these yet?
  18. I had a similar situation and they were the second DCA trying to recover after I completely ignored the first. I cannot say the same would apply in your situation but I ignored everything they sent but kept the actual letters. They threatened this and that, then offered a 50% "discount" and finally a letter from their pals Geoffrey Parker Bourne solicitors threatening legal action. I ignored them and it has now found it's way to a 3rd DCA so I will see what happens next. Actually I have just remembered I also completely ignored the 3rd DCA and it is now the 4th who are giving it their best shot. Good luck.
  19. Am on the go with about 5 DCA's. I do have legal knowledge fortunately but the tack so far has been to completely ignore EVERYTHING, acknowledge NOTHING. After a while either a new DCA comes onto the scene or the process starts all over with the same initial letter and so on.
  20. Have been receiving various letters from this outfit over a long period, usual threats, court action may be taken, etc. Ignored them all. Latest letter adopts a different approach saying the matter is being considered for possible bankruptcy action. Anyone else come across this? Presumably this is yet another empty threat but with a different subject matter?
  21. Thanks for that. With the first 3 outfits I completely ignored every item of correspondence save to say one letter instructing them not to try and telephone me again. I may well follow the same route again.
  22. Previously Allied International Credit then Apex Credit then Robinson Way have been trying to recover a "debt" from me. These outfits seem to have given up the ghost in succession but now this outfit have written with the usual silly "formal demand". Assume they have purchased the "debt" from somewhere and are trying their hand now? I assume that as the first three were unsuccessful then no cca exists and these people will be unsuccessful too?
  23. Following your advice I e-mailed the council on Thursday asking if I could pay them directly on-line. On Friday I rang Dukes who simply would not listen and demanded the debt be settled in 6 equal installments end of story so I had no alternative but to agree. About an hour later the council rang in response to my e-mail and said I should deal with Dukes. I explained my earlier fruitless conversation with them and could I not just simply deal with the council. About twenty minutes later the council rang again to agree with me and recalled the debt back from Dukes. Result! Following a bit of research I found out Dukes had won the work from Selby Council in April this year which might be the reason they are agressive by trying to impress their new client.
  24. Rossendales were originally chasing over £3K. I told them the house had been repossessed and we had not been living there. The council recalculated the bill which came to £1,900 and told me to contact Rossendales which I did with the offer back in March and to which they did not reply until I heard from Dukes. Their letter was on the lines of them being instructed to collect and because I had moved to another council tax area they were offering me the opportunity to pay. There are no fees at present and they have not been to the house. I have every intention of paying but the amount they have demanded is outrageous. If I offer them, say, £200/month are they just likely to send the "removal team" as they have threatened? Do they have the authority to accept an offer over more than 6 months or is that the legal limit they can offer?
  25. Received a letter the other day demanding £1,900 council tax from around 3/4 years ago. Previously Rossendales had written and I had made them an offer of £50/onth and heard nothing since March until this letter arrived. I made them the same offer and they have just replied to say I must pay the debt off over no more than 6 months which amounts to about £321 per month! Are these people likely to take any notice if I tell them I lost £40K on the repossession of my house and am living now in part furnished rented accommodation? I have no assetts, credit or prospect of raising any capital. The amount they have demanded will cripple us.
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