Hi Ell-enn The mortgage is in my brothers name , and the date of the assault was the 18 July 2009 Thanks again Sham

Hi Ell-enn. Thank you again Sham

Hi Ell-enn. Thank you again Sham

Hi Ell-enn, Can i just bump this up , I know you busy but i could do with a little help with the letter. Thanks ever so much Regards Sham

Hi Ell-enn, Can i just bump this up , I know you busy but i could do with a little help with the letter. Thanks ever so much Regards Sham

Hi Ell-enn and Jansus , Thanks for your kind words. Ell-enn if you could help with the wording of a letter that i can send to the mortgage co and the solicitors i would be most gratefull . My brother is in court at the end of the month as a witness against this toe rag. On the night it happened the police came back after they had searched him and gave my brother an evidence bag with tools that he had solen from the van. Two days latter victim support rang him and said that he was pleading not guilty , this apparantly is a ploy by his solicitor in the hope that my brother does not turn up as a witness , then the toerag walks What a complete ass the law is. I also have a crime number i can insert into any letter you can kindly draft for me. Many thanks Sham

Hi Ell-enn and Jansus , Thanks for your kind words. Ell-enn if you could help with the wording of a letter that i can send to the mortgage co and the solicitors i would be most gratefull . My brother is in court at the end of the month as a witness against this toe rag. On the night it happened the police came back after they had searched him and gave my brother an evidence bag with tools that he had solen from the van. Two days latter victim support rang him and said that he was pleading not guilty , this apparantly is a ploy by his solicitor in the hope that my brother does not turn up as a witness , then the toerag walks What a complete ass the law is. I also have a crime number i can insert into any letter you can kindly draft for me. Many thanks Sham

Hello All. Been around cag for a long time now and have learned a lot , but i think iam going to need a bit of help with this one. My brother is a self employed builder and over the last year or so he has seen a big drop in work. i didnt know how bad his problems was until he spilled the beans and told me he was in court with his mortgage company for repo as he had arrears of nearly seven thousand pounds. I went with him and with knowledge learned from cag we managed to get him a susspended repo under norgan. He made a few payments and seemed to be managing ok. Then in july he caught two guys breaking into his van , a struggle insued that resulted in a clash of heads and lots of blood , even so he managed to hold the one guy there until the police arrived. The police came back and thanked him for what he had done , but said that they had to tell him the guy was a drug addict and also hepititus c. The change in him is unbeliveable , the doctor has signed him off sick(for the first time in his working life) and he wont go out of the house for fear of reprisals , he also has to undergo a lot of blood tests over the next nine weeks to see if he has contracted hep c. He has started to claim sickness benifit , and has asked about help with his mortgage interest payments. i know he has missed one under the order and i think he will miss another this month. The mortgage company (derbyshire home loans) was not very helpfull , and said they will be going for eviction , he also had a letter from their solicitors yesterday saying that he has seven days to pay the whole arrears amount off or they will go for eviction. Any help on how to proceed with this guys Regards sham

Hello All. Been around cag for a long time now and have learned a lot , but i think iam going to need a bit of help with this one. My brother is a self employed builder and over the last year or so he has seen a big drop in work. i didnt know how bad his problems was until he spilled the beans and told me he was in court with his mortgage company for repo as he had arrears of nearly seven thousand pounds. I went with him and with knowledge learned from cag we managed to get him a susspended repo under norgan. He made a few payments and seemed to be managing ok. Then in july he caught two guys breaking into his van , a struggle insued that resulted in a clash of heads and lots of blood , even so he managed to hold the one guy there until the police arrived. The police came back and thanked him for what he had done , but said that they had to tell him the guy was a drug addict and also hepititus c. The change in him is unbeliveable , the doctor has signed him off sick(for the first time in his working life) and he wont go out of the house for fear of reprisals , he also has to undergo a lot of blood tests over the next nine weeks to see if he has contracted hep c. He has started to claim sickness benifit , and has asked about help with his mortgage interest payments. i know he has missed one under the order and i think he will miss another this month. The mortgage company (derbyshire home loans) was not very helpfull , and said they will be going for eviction , he also had a letter from their solicitors yesterday saying that he has seven days to pay the whole arrears amount off or they will go for eviction. Any help on how to proceed with this guys Regards sham

Hi Steve, Will help if i can , a friend of mine is having problems with these vultures to . Sham

Hi steve, "SUBBING" means that i am interested in the topic and am joining the thread Regards sham

subbing

Or you could send them this... Dea P2P, I must say i was was very excited to get your note saying you would be calling round . I dont get many visitors nowadays (except the police , checking for missing dogs or cats ) as i dont go out much and stay in making my own clothes from lots of unusual materials. Please could you send round somone about my hieght and weight , as ive been thinking of making a jacket that fits me like a second skin. I await your visit with a large hammer , i mean baited breath. Yours Mr Jack D Ripper

Thanks Cerberusalert , Will do .

Hi Cerbursalert, I did think that might be the case ,so i sent off a sar at the same time as the cca request (they still have a week left to comply) but hes still getting calls and letters threating legal action. Do you think its time for the good old account in dispute letter Sham

Hi All, Sent off a cca request for a friend of mine who had just dipped into his overdraft , and was hammered with charges over a period of three weeks. He did get a reply from them , but the letter contained his returned postal order and this reply. "Thank you for your request under section 77/78 of the consumer credit act 1974 This section doesnt apply to current accounts either where there are planned or unplanned overdrafts.This is because the act does not require the agreements to be documented in "executed agreements"within the meaning of the act. We have therefore returned the postal order that was received with your request. Any thoughts on how to reply to this guys !! Many thanks Sham

Hi smiley, The problem with these threatmonkeys , is that they have not realised that you get further with a kind word , rather than the threat of a big stick !! its human nature that when your pushed into a corner , bullied , intimidated , and abused , sooner or later the worm will turn !! Sham

:lol:

Hi Elsa, Cant wait for the next one , kind of miss all the threatograms they used to send before i joined cag , i hope they send me a dominos pizza and a bottle of red next Sham

Hi Guys, Been around cag for a long time now, but just wondering what these toerags are up to. They were the first pond **** to buy my cc debt back in December 07 but scuttled off and sold the debt on to lower pond **** (is this possible;)) when sent the "account in dispute" letter,who got the same treatment,still no cca. Today there was a letter from them containing about 20 statements from my old cc account, and a first credit with compliments slip, no explination just that. Not going to bother to dignify it with a reply, but any thoughts guys:confused: Cheers Sham

Hi All, Sorry this thread has not had an update for so long but here it is. They did take her to court (yesterday in fact) and i have to tell you the judge was fantasic ! He spent loads of time reading all the crap that they had sent her , shaking his head and tutting here and there, then the duty solicitor asked if he would consider norgan rules in this (suggested by me , all learned from cag:D). He worked the norgan figure out at an extra £28 on top of her normal payment. much to the disgust of their solicitor who wanted another £260 a month on top of her payment ,or outright possession:eek: to which the judge replied "Dont be so foolish ":-D All in all a great result for her , and a million thanks to ell-enn and bona for all their help in this long running saga Kind regards sham

Hi All, Sorry this thread has not had an update for so long but here it is. They did take her to court (yesterday in fact) and i have to tell you the judge was fantasic ! He spent loads of time reading all the crap that they had sent her , shaking his head and tutting here and there, then the duty solicitor asked if he would consider norgan rules in this (suggested by me , all learned from cag:D). He worked the norgan figure out at an extra £28 on top of her normal payment. much to the disgust of their solicitor who wanted another £260 a month on top of her payment ,or outright possession:eek: to which the judge replied "Dont be so foolish ":-D All in all a great result for her , and a million thanks to ell-enn and bona for all their help in this long running saga Kind regards sham

WELL DONE !!!!! ANOTHER ONE BITS THE DUST:D:D Sham

Thanks Steven:) Sham

Hi All, Just bumping this up guys , I dont want to make any mistakes regarding wasted costs Thanks Sham