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LooopyLoo

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About LooopyLoo

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  1. Hi there, on 16th Sept I received a payment reminder from Grattan, telling me I hadn't paid my bill from my august statement so they would be adding late payment fee of £12 on to my account (to be paid by 15th sept!). I haven't ordered anything from grattan recently, so i sat on their custmer services line for about 30 minutes (0845 Grrrrrr!) and got through to the rudest cust serv person ever! It emerged that last Oct I ordered 3 magazine subscriptions on a '3 for £3' deal. (true). I paid for these immediately. However, I received a further 2 or 3 mags after the initial 3 issues as I forgot to cancel them. They decided to charge me for these in August but I never received a statement, hence the £12 late fee. I want them to refund the charge as I didn't know I owed them anything, they said I should have realised that my aug statement hadn't arrived (although I wasn't expecting one!) so I still have to pay the late fee!! I've now paid the balance of the account, £15 odd, minus the £12 late fee. Where do i stand on getting this late fee wiped??
  2. Thanks again both of you. I've typed up the letter, i'm going to try to email it to them as it's a real pain having to get the old printer out and march to the post office with all the kids to send the letter by recorded! I trust that's ok. I'm beginning to see now that this quite possibly could go on forever... Still. At least I've found you to help me through it!!
  3. Another letter from Ruthbridge; I'm a little confused as it doesn't address the fact that the debt is (hopefully) sb'd, and also doesn't address the lack of a propper CCA. So, what do I do now? It's like banging my head against a brick wall! Any suggestions most gratefully received... xx ok the attachment not great - this is the letter they sent me: We write further to your letter of 020109 regarding your outstanding indebtedness to our above client. We understand you requested a copy of your agreement under the Consumer Credit Act 1974 despite you having stated that you have no agreement with our client. The agreement you previously had with Barclaycard Credit Card was purchased by our client and therefore the terms of that credit agreement are still effective and requires you to pay the outstanding balance. However the agreement was terminated due to your non payment. You must note that the termination does not affect your liability to repay the debt and as a result of the termination you were required to return the property if any) and repay the balance in full in accordance with your agreement. We can also clarify that you entered into the agreement on the 13/12/1995 and you paid a total of 80 monthly payments to the above client. The address given to locate you from was (a very old previous address). All defaults will remain on your credit file until the debt is paid in full upon which it will be marked as satisfied. To avoid legal proceedings being issued against you by our client, contact must be made on 0207… and your payment in full must be received within the next 7 days.
  4. hello again, sorry to be back here so soon!! A new letter today, which i had to sign for. "...you are hereby given notice that we have advised our client to commence bankruptcy proceedings for recovery of outstanding balance". there is another offer of a reduced amount i can pay now to stop this. (lump sum). Included in the letter is a handwritten comp slip from JT, 'copy of agreement as requested (i asked for the CCA on 20th October). Call me asap to establish your intentions to avoid possible legal action'. The letter includes various poor quality photocopies, A copy of a statment dated 13/02/2002, another one dated 13/03/2002, then a ridiculously poor copy of my application. One page, filled in on 19/12/1995 (i think), completed by someone else (the bank staff i guess) with my signature very clear, but no date. I do not see any evidence of Terms and Conditions, nor interest rates. I was hoping this would all be over now as 'Jack Tyler' told me on the phone a couple of months ago that I defaulted on 17/12/2002. I'm sure the debt is wrong - I'm sure I paid this off to DC's a few years ago. I was hoping it would all go away, and now am getting increasingly concerned about the amount of correspondence i'm getting. Please does anyone have the next steps for me? p.s. I just noticed that although they never acknowledged by CCA request until todays letter, they did reduce my balance by £1 at the exact time they would have received it! I was very clear in my letter that it was not to be used towards any alledged debt!
  5. Hello all, Thank you again for replies; it's helping to keep me sane!!! Another letter today, in handwritten envelope; 'Contact Centre... it is imperitive you contact us to arrange a time for local agent to call. If you have not estanlished contact with this department within the next 7 days our agent will call between mon to fri 7 till 9, or saturday 7 till 530. Still no response to my CCA request signed for on 21st Oct. What do I do? Do i need to write to them again? I'm sure they're not allowed to keep hassling me again when they've ignored my CCA request?
  6. Hi, update... I sent the CCA letter on 20th Oct, recorded, and my royal mail report says it was delivered from their twickenham office on 21st Oct (I hope that's sufficient to say they received it?) Then, I received another threatgram re bankrupcy, dated 23rd Oct, which I felt I could ignore as this was surely an oversight, being as they would definately have received my CCA request? Then another letter this saturday, again, no mention of my request, but offering me a settlement (the figure of which is still much more than the debt could ever have been!!). Starting to panic now - have they received my CCA? Or is it just that we are so close to being SB'd (mid Dec according to the lovely guy who phoned me a few weeks ago) they're trying it on? Please; any help?? xx
  7. Thank you. I'll get the letter printed and sent today. I know - nearly 6 years since they say I defaulted, I honestly don't know when last acknowledgement would have been - fairly sure I paid this debt in installments to door step collectors so, depending on how you look at it, they will either have record of payments from collectors (not statute barred, but PAID)! Or no record of the payments, but VERY NEARLY statute barred. So Anyway, with no possibility of proving i paid it off, I'm hoping the CCA request, then SAR might keep them off my back until it's barred. Goodness me. Fingers crossed. I'll be back with an update...
  8. Hi, Just a quickie, I'm just preparing CCA request for alledged debt aged 5 years 10 months, which Ruthbridge claim they will be bankrupting me for. They have addressed all their letters to my maiden name (name I had when taking out the agreement 13 years ago). I'm assuming it's ok to send the request in my maiden name? Or am I obliged to explain I'm now marrried with new name (I'm hoping not; why give them any more information)? I don't want to be sued for fraud!!
  9. Hi, haven’t really been on here since Dec 07 when I received a letter from Cabot regarding an apparent debt which I’m sure was paid off to debt collectors many years ago (although cabot provided no details – company name, amounts etc, so I’ll never be sure). Unfortunately I’m v disorganised and can find no trace of receipts from the 5/6 years ago this all occurred (although I remember the burly guy writing me one on a yellow scrap of paper on my doorstep!) and as I felt the matter had been dealt with long ago, and I’ve since moved house three times, I’m fairly sure all evidence since shredded! Anyway. Got the standard ‘we’ll be sending someone round’ from Cabot just before Xmas last year, found you guys, was fairly confident that their threats were empty, and in fact it may not even be me they really wanted, and heard nothing more… Last week, a letter/flyer from ‘Express Delivery’ asking ‘the Occupier’ to call 0870… I laughed as I showed it to my husband, as we discussed how it’s obviously a [problem] (I NEVER call 0870’s!) and shredded it (oops). Monday, letter from Ruthbridge (Jason Evans); re Cabot/Barclaycard debt £3600ish (my limit was £2000!) contact us immediately, or we’ll send someone round, you’ve been traced to this address etc etc. Yikes! So been on here a few nights looking at what the deal is, realised my mistake shredding the Express Delivery letter (how could I know this was related?!!) then today, a telephone call from ‘Jack Tyler’. Ruthbridge, asking me why I’ve failed to respond to their letter (of Monday!!! Caught me off guard – I guess they rely on this?!) re my Barclaycard debt. According to him, I took the card out in 1995 and defaulted on 17/12/2002 (at first he said 17/09/02 and I almost laughed out loud). He also told me lots of other things like ‘my bank balance is very healthy thank you – it’s you who has a problem!’ and when I told him I thought it would be more appropriate to send me some details in writing regarding who they are and how they have become responsible for collecting the alleged debt (which I'm so sure I've paid off), along with proof that they are legally allowed to collect, he told me ‘I will be sending you some paperwork today; to start the bankruptcy proceedings against you’. Needless to say, I kept cool, didn’t acknowledge the debt, or confirm or deny details, and still somehow he managed to get agitated enough to slam the phone down on me after 6 minutes. Anyway, I’m nervous now. I’ve prepared a letter based on the template to get the credit agreement, which I guess I need to send recorded tomorrow. But can anyone offer any advice/feedback? I have that horrible sick feeling in the pit of my stomach.
  10. Thank you soo much. I'm gonna sit tight. No i haven't had any other letters. I haven't had any problems with anything like this for at least 5 years, and about 5 addresses! You can imagine that sick feeling I got when I opened their first letter a week before christmas. This has really come out of the blue for me. I know I had problems in the past but I thought it was all sorted. Well, I'll wait and see. Thank you again!
  11. Thanks. I'm so glad I've found you on here. I think I'm gonna need a lot of help and support!! I've been worried myself absolutely stupid all over Christmas & new year! I will definately NEVER EVER EVER be phoning them. Ever. But I am a bit worried about what will happen if someone else in my family answers the door to a collector? I know they are not supposed to call (despite the threat letter), but I keep telling myself, if they DID come, and I was in, I would know what to say, (basically that they need to write to me explaining why they want to talk to me!) Surely they can't just write to me out of the blue, no explaininations as to why they want to talk to me? I just did another credit check on myself; it's beautifully clean, but there was a "unclassified" search made on my maiden name on 22/02/07. Do you think they have just written to me randomly because of my name? Do they stoop to such levels? Besides that, what's my next move? I know not to phone,. but should I write to them, and ask what they want to talk to me about? Or do I send the CCA letter? Or the SAR?
  12. Goodness me. I really do feel sick. I've been rummaging through this site for a couple of weeks now, and have to say I've found it incredibly reassuring sometimes, although I'm still bricking it. 6 - 8 years ago I had some problems paying my way, and fell behind on a barclaycard, and a few other things. Not talking huge amounts of money here, but nontheless, debts I couldn't pay. I had several debt collectors in tow for a little while, but paid off what I owed and now have a reasonably healthy credit file (no CCJ's or defaults showing). I have a vague recollection of dealing with these people before, but don't have any details. I haven't had any problems with money for at least 4 years, maybe longer. I've moved house a lot, but now been here for 2 years. A week before xmas, i received a letter saying 'please call Cabot Financial (Europe)'. No explaination, no clue. Just a number. That's when I found your site, and decided I would NOT be speaking to them on the phone (I was waiting for a remortgage to go through too; which now has, thankfully). On thursday I received another letter, again, no clues, but said 'we will be calling to see you on wednesday 16th jan, between 0800 and 2100'. Why are they coming to see me? What should I do? Please someone help??
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