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Napoleonj

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Posts posted by Napoleonj

  1. I had a Monument card, previously Providian/Barclays, which I paid regularly each month. However in September 2009, they cancelled my card for no apparent reason, but still expected me to continue paying their exorbitant interest rates. This I did until the end of last year when I CCA'd them. All I recived was the usual reply card which I explained to them was not an application form etc.

     

    I have now received a default notice, but surely this is irrelevant as my account had been too all intents and purposes been cancelled by them previously? Should I just continue to ignore them and their regular 'phone calls, or is there something more I should do please?

     

     

    ne

  2. I've sent a CCA request letter to Monument and got the usual application form back as a response, so wrote and told them the account was now in dispute. Attached is their response and I'd be grateful to know what the next move should be. They hiked the interest rate up to 2.402 % a month and closed my account last year, so I'm tired of paying them all that interest on a balance of less than £900. Strikes me that they're nothing better than a bunch of bloodsuckers.

     

    Any advice would be most welcome.

    monument2.pdf

    Full page photo print.pdf

  3. Barclaycard have been busy!

     

    I sent a CCA request letter to Debt Mangers Ltd on the 4th Oct and have had no reply.

     

    However Barclaycard wrote to me on 22 Oct to acknowledge receipt of my CCA request and

     

    today, I've received a letter from Moorcroft saying they are "writing to confirm Moorcroft are currently dealing on the above account.

    Please therefore make immediate contact with our office" etc., etc.

     

    With all this confusion I don't know which one to ignore first.

  4. I've been through the whole ranbe of Barclaycard's debt collectors and sent off a CCA letter to Debt Managers Ltd on Oct 4th - no response needless to say.

     

    I've now had a letter from Moorcroft, saying that they have "been instructed by Barclaycard to collect your overdue debt of £---"

    They say that this letter is a "notice of intended litigation".

     

    How can Barclaycard have so many companies chasing me, especially as the account is in dispute?

     

    :help:

  5. I too am being harassed by Debt Management LTD, ever time time they ring, I as k who's calling, say "sorry I'm not interested" or "never heard of you" and put the 'phone down. I've also had the URGENT FINAL DEMAND letter today, asking for payment of the whole sum outstanding, but I've never had a DEFAULT NOTICE from BC. Are they allowed to do this and pass the debt on to so many DCA's?

  6. Lucky Me, I too have received a letter from Calders. What busy little bees they must be. I guess it's all those students on their summer holidays earning some cash.

     

    I've been threatened with a legal charge on my property - which I rent ha ha! and they say if I do not call them, they will close my account and the full balance will become due immediately. I didn't even realize that I had an account with them, I thought it was B/C WHO THEY SAY ARE THEIR CLIENTS.

     

    Seems whoever writes these things is a little confused about who he works for!!

  7. Got a begging letter from these Charlie's this am.

     

    I had grounds for a Trading Standards Office complaint before I even got past the letter header!! And that complaint has been duly made: misleading people by using the word Bailiff in the header on a debt recovery letter. V. naughty.

     

    Racked my brains trying to remember what this could possibly be and decided it must be an extremely Statute Barred alleged debt to Halifax PLC.

     

    I seem to recall they made a blunder on my account and slapped on a load of charges as a result. They were very unhelpful regarding refunding them so I went into my previously unused overdraft to the exact value of the charges and abandoned the account. (I could be belligerent even before I discovered CAG)

     

    Anyway this must be over a decade ago, I have sent them a prove it letter advising them of the TSO complaint I have made.

     

    In the unlikely event of any evidence being produced they will get the Statute Barred letter.

     

    This is very desperate debt collection activity....

     

     

     

    Snap!!

     

    I too had a letter from them today. Are they new kids on the block? Your thoughts are the same as mine on the bailiff bit. Our debt is at least 13 years old, and gets passed round like the last sandwich at a party [nobody wants it].

     

    Just going to send copy of the letter to the OFT, to join all the others I've sent them. I guess as the undergrads are all now on holiday, we can all expect loads of rubbish from these sorts of people.

  8. Image too small to read - HOWEVER if it was readable Iam 100% sure your name & address + account number would be easily visible. :-o

     

    Also suggest removing that bar code as well. ;)

     

    Thanks I've done that , I don't seem to be able to get a larger size scan to appear on the page. Any advice on how to do it would be appreciated.

  9. I've just received the attached missive from Crapital One. The account has been in dispute since last December, but of course they're ignoring the fact. I imagine as it's not a proper Default Notice, I can continue to ignore it. Or, has someone got a brilliant rply I can use please?

     

    It didn't work, so trying again!!

  10. I've just received the attached missive from Crapital One. The account has been in dispute since last December, but of course they're ignoring the fact. I imagine as it's not a proper Default Notice, I can continue to ignore it. Or, has someone got a brilliant rply I can use please?

  11. Hi,

    We've had various missives and 'phone calls from Ruthbridge,

    sent then the standard "don't acknowledge this debt" letter.

     

     

    The reply from them is to threaten bankruptcy.

    They say they are recommending this to their client DLC.

     

     

    I wrote to DLC/ Hillesden over a year ago, saying that this deby was statute barred as it was more than 12 years old. this must be their response.

    Do these guys never give up?

     

     

    I suppose I should ask for copies of the original agreement, but is it really worth the bother?

     

     

    We are both retired and live in housing association property, have absolutely no assets anyway.

     

     

    They seem to just pass these debts around, in the vague hope that someone will be frightened into paying them.

    It's all a bit like those wonderful messages you get, telling you that there are millions of pounds waiting to be sent to you, just give them your bank details.

     

    I pity the poor folk who work for them, especially if they are paid commision only, they won't get very rich through me. :rolleyes:

  12. Hi,

     

    I sent the Limitation Act letter to DLC and have received the attached letter from Hillesden Securities in reply.

     

    The house was repossessed in 1996 and subsequently sold, so I have no idea how I managed to default in 1997.

     

    I sent them a second letter yesterday, before receipt of the attached, from the forum:

     

    Mortgage shortfalls: Lender should not pursue under CML policy

     

     

    Does regular contact by telephone, really amount to anything? Especially as I've refused to speak to them on all but 2 occasions?

     

    Should I ask them for proof of the default date or ask to see the agreement details?

  13. Hi,

     

    This is my 1st time posting here, so please forgive me if some of this is stating the obvious.

     

    My house was repossesed in 1995, I'm now being harassed by DLC/Hillesden for £5,437.84 owed to Consumer Loans Co Ltd. I've sent the letter to DLC, about the loan being statute barred, but they are now saying that as this was a secured loan, this is not so.

     

    They are offering me a discounted settlement for a lump sum, or a monthly arrangement, if I cannot raise a lump sum.

     

    I am now retired and my partner and I only have our pension and pension credits as income and live in an old people's council bungalow, so cannot afford to pay anything.

     

    This is the first I've heard of this debt, since my house was repossessed. Surely after all this time, this debt must be statute barred especially as it would appear that Consumer Loans Company no longer exists.

     

    I would be grateful for advice on what my next move should be.

     

    Thanks.

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