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About despot67

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  1. Been reading on here but getting in a bit of a confused mess? The wife has received a letter today from UK Default Recovery acting on behalf of Next Directory. Now she paid a whole load of debts off last year when she got made redundant and used her redundancy money to sort it all out (even though I think she paid too much to most due to charges which I will try and claim some back). As a consequence of onec bitten twice shy this debt collection firm says she owes £205.57 and I am dubious to how much of this may be charges. Can I get details on this debt and if so which form is best
  2. They are already banned on eblag cus governments can't tax em. Is Nicotine Good For The Heart? check the above concerning nicotine?
  3. I notice that there was a thread back in April on these but who actualy smokes em? I have been using e-cigs since jan and not had a "analogue" since then. My breathing and health has imrpved no end but I enjoy using my e-cig. I currently "smoke" a titan 510 manual e-cig, I dont even have to roll the car window down now its getting cold. Im on the low nicotine content, usualy chocolate flavour!!!!!!!!!!! As for not being tested well I can't see how normal cigs that have been tested can be safer - just look at the tar in a ciggy compared to a e-cig, to me its obvious. Yes I did wo
  4. Im after some general direction on a couple of issues and would appreciate some advice. First one is the missus ages ago had a Mackay's card - they kept on adding charges and she ended up paying double what she owed due to them passing the debt to allied international. She agreed a settlement figure(which I advised her not to do) and paid them in full but everyone but her was in pocket. Allied never wrote to state debt was settled even though she asked them too. Suddenly last month Fredricksons contacted her and have since stated Mackays have asked them to collect a further £300. All
  5. concerning this debt I think I did make a payment to somebody over it but this was some years back but the original debt must be 15yrs old? The company that contacted me have written again stating they are sending someone next week to visit me? Surely they cant do this and can't I demand details of the original debt and without it they ahve no powers? thanks for any help.
  6. I received an important looking letter from H L Legal last week concerning a debt I allegedly have from when I banked with NatWest (about 15yrs ago). True I have been contacted over this debt before by another company that I can't honestly remember all the details about. At that time like this I responed by asking what the debt was as I don't remember and I have been with RBS for years now and they own natwest and my credit rating shows no such debt? H L claim that if I dont contact them in 7 days they will take it to court, bailiffs etc etc etc - I assume this is just bluff? They cl
  7. Well after joining this forum a few weeks back I realised we had been sold a PPI by blackhorse with our loan - this is a seperate payment and attracts interest but comes out each month with the loan figure. I didn't even know we didn't need the PPI until BlackHorse told me themselves they shouldn't "hard sell" such things? So ive used the standard initial letter from the forum and today I have received a reply? BlackHorse have told me to get stuffed basically. They say as I didn't cancel during the 30 days as stated we now can't cancell - what 30 days? nobody emphasised that one?
  8. Just thought I'd list my woes with Orange on here and see what replies wing my way? I pay for four phones on contract with Orange and I have been with them for over five years.In this time things have been more or less OK other than for three years on the trot when it comes to me renewing and upgrading - I get a free upgrade then in my next bill Orange have always tried to charge me. This happening once would be bad but three times - come on chaps? Still my real gripe is this: Two of the handsets I pay for are basic cheapo monthly contracts for my twin teenage daughters and part
  9. Well the chasp arrived as expected and too be honest he was very genuine and helpfull, he was a kind of freelance agent (he is a farmer in AShbourne by trade). Thanks to the advice and online documents on here we proved that we had received a settlement figure ont he arrears and I produced a bank statement that showed we had paid the arrears on time as erquested. He rang the credit company and they changed their tune. Originally they wanted about £1600 off us but it aoppears that we owe according to them, They think, about £500 and this is mostly charges. I stated we wanted a access
  10. I think they are called credit style? Im not happy that they are visiting as they will push the missus into something so Im sitting in on this one!!!!!!! Its only extortionate charges that they want us to pay and not the loan as this is all paid off. Im not happy but im unsure where we stand legally on this issue - any help much appreciated.
  11. Hope this is in the right place first off all - searched for Black Horse stuff and came here? The issue we have is that my wife took out a loan for a car about 5 years ago and I agreed to make the payments each month for her as she fell on hard times at work. The loan was for about £13K and I almost paid it off but I also had a few problems over a year back and we defaulted on some of the payments which is a shame as the loan should have been up as of SEptember last year. She received some strong letters asking for payments and in the end I paid them all the arrears that they st
  12. Hi to everyone on here. Im a great beleiver in forums - if it wasn't for forums my cars wouldn't work!!!!!!!! I have a few things to ask and will ensure Im posting int he right place (hopefully) and I will help with anything I can in exchange.
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