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sweet_hun

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  1. thanks guys just spoke to alan stewart and hes told me to send statute barred letter recorded to both mackenzie hall and merit force and if they continue to hassel me phone him back,thanks again joanne
  2. hi all,i last wrote a message here in 2008 needing help whith bcw trying to get me to pay a statute barred debt(i will copy message at bottom of page for you to read). i have heard nothing for 2 years the started getting letters from mackenzie hall(they would very kindly send me 5 letters at one time)but i thought it was for something else (£50.00 n power debt)so ignored letters,then last week(after another 5 letters dropped through my letterbox)phoned them to pay the £50.00 but it turns out they are trying to get me to pay the same debt that bcw was trying to get me to pay.told guy on the phone that i would not be paying the debt as it was statute barred to which he replied "what does that mean?" this morning i received a letter from meritforce telling me thatdue to non payment they have been instructed by mackenzie hall to collect this debt on their behalf,and that an autherised collector will visit my property within the next 10 days. should their collector inform them that no positive commitment towards clearing this debt has taken place then the account will be returned to meritforce and formal proccedings may be considered. where do i go from here??should i send both companys a statute barred letter??help. thanks for reading.heres the old post.the debt is now £1074.00 btw hi there,im new here and found your forum by accident and wish i found it sooner and hope someone can help me. 10 years ago(nov 97 to be exact)i held an account with the Halifax and had an overdraft of £1oo,in nov 97 i lost my job and informed the halifax that id lost my job so no money would be going into my account but as soon as i got a new job i would start to pay back the overdraft,in dec 97 me and my partner split up and i had to move out and in the jan 98 i found out i was pregnant so as im sure you will understand this debt went compleatly out of my head. fast forward now to jan 08,i went into my bank to order a new bank card as i had snapped mine and was told that i could now get a current account(was just a wages account i had before)so i said ok and had to give details et.Afew weeks after i done this i received a letter from bcw saying they were acting on behalf of thames credit for an outstanding debt of £1050.i spoke to someone i work with and he said to send a letter stating that if i had had money left in said account that after this amount of time i would not be able to claim the money back(dormant account)and as far as i was aware the reverse was true. A few weeks passed then received another letter basically saying that if i didnt call them they couldnt help me so to give them a call and they would do all they can to help,well i stupidly called them(and believe me i really wished i hadnt)the woman i spoke to asked me a few questions,do i have a partner(no),do i have any dependants(yes 2)do i work(yes part time)do i have a bank account(yes)then said she could reduce the debt to £685 but would need payment that day(what??)i said im sorry but i dont have that kind of money so she said can you get it by fri(this was tue)i said i suppose but id have to borrow it so she asked if i could pay anything and i stupidly paid £100 and she asked my to call back on fri with the rest of the money. On the thurs i managed to get through to the citizens advise bureau and lady was horrified both that i had been contacted about the debt and that id paid money to them and told me to call bcw and say that under scots law a bank/building society have only 5 years to contact you about a debt and after that it should be wiped and that i would not be sending anymore money to this company and as the original debt was for £100 and i had alredy paid bcw £100 that should be it,instead of phoning i faxed the letter to their office in glasgow and heard nothing till tues(22/4).bcw phoned me to ask why i didnt phone them to which i replyed i take it you didnt get the letter i faxed them and the lady said no,funny that i said,i have posted a letter and faxed a letter and none of which you have ever recieved. i told woman what id put in the letter and said that the cab had advised me not to send bcw anymore money,she said that as i had acknoledged the debt with bcw that i would have to pay the outstanding amount even after more than 10 years,so i asked her to put that in writing and send it to me and that as soon as i had their letter i would contact the cab again.if you got this far thanks for reading and any help/advice you can give me would be most appreciated,thanks again and sorry its such a long post
  3. hi guys thanks for your help,this is the letter i sent, I am writing in reply to your letter dated 13/11/08. I am writing to ask if it would be possable to start up repayments again at a lower rate of £20.00 a month until jan 2009?I have had some money coming off my wages now for a few months/years, one was a wages advancement when my work changed their pay cycle and gave us a month wages in advance but i have had to pay it back at £46.00 an month which i think will be finished in December and two was a wages arrestment at £15.00 which i think i have finished paying back. I am asking to reduce payment till January as my youngest sons birthday is the 1st December,then i have christmas,also both children have various trips/pantos with the school over the next few months. I look forward to your reply,and will be able to make a payment on the 29th November. got a letter back today saying, we refer to your recwent correspondance and note its content. we have accepted your arrangment of £20 per month from 29th nov 08(they put 07,lol)until jan 09 at which time an increase will be required. although we have accepted your arrangment under new legislation an officer will call with a charge of payment shortly. gave first letter they sent me and copy of letter i sent them to my friend who has a wee man from scott and co who comes to collect money for her c/tax arrears and he not happy with scott and co (nice man apparently)and he gonna come and see me and sort something out so need to wait and see,il keep you all posted.anyway come jan i might not have a job so tough poo poo scott and co,lol(i work for woolies)
  4. hi all,thanks for the advise,my brain has frozen though anyone got any ideas what to write.iv got as far as i am writing in response to your letter,lol.help.
  5. hi all,not sure if iv posted in right forum so if not i do apologise,i could do with some advice please.on sat i recieved a letter from scott and co about my council tax debt saying, despite our previous reminder your repayment arrangement with us remains in arrears.you repayment programme has now been cancelled and we are instucted to commence enforcement action by way of arrestment and/or attachment of your effects.where appropriate our solicitors may be instucted to raise a petition for your sequestration.this could result in the disposal of personal assets to meet the debt and impact upon your ability to obtain credit.if you are experiencing financial difficulty,please contact us now for assistance. balance due £4385.49 payment rec £908. i am paying £40 a month(well should be i have missed a few)but cant really afford to pay this amount but when i talk to them one the phone thay wont let me reduce payment. should i write to them asking if i can pay a smaller amount for a few months then take it from there??i did have a wages arrestment for c/tax but that has now finished(started at £25 a month then went to £15 a month) also i recieved a letter from the dept of work and pensions asking me to contact them to start repaying a social fund loan from the job centre of £442. now that last (and only)time i signed on was april 2000,the loan was taken out when i got my first house,jan 1998,any advise on how to handle this? all help gratfully recieved,thanks in advance.
  6. hi all,i wrote a post a few months ago http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/144417-help-cebt-managers-ltd-new-post.html and need some further help please. my mum received a letter from russel+aitken solicitors on sat(7/6/08)saying, We have received instructions from debt managers ltd to proceed with immediate court action ion respect of your account.an application is shortly to be made to the court for a warrent to serve proceedings on you and in terms of which the court will be asked to make award of expenses and intrest against you in addition to the balance shown. we are sure you will wish to avoid this action bearing in mind the extra expenses and the fact that your credit rating could be seriously affected. we are therefore writing to you in advance of services of the proceedings to give you a final opportunity to make contact with debt managers ltd if yoy want to avoid the action referred to above.contact can be made by telephone on bla bla or send your payment to bla bla bla. no further intimation will be sent to you in this respect and this letter should receive your immediate attention. what should my mum do now??does anyone have any letters we can send??all help gratfully received.thanks,sweet_hun
  7. hi there,my mum needs some help. in july last year my mum received a letter from 1st credit saying that she had an outstanding balance from jd williams of £250(there was some confusion about what this was but turned out my mum had opened an account for my sister,my sister had to move house as she was flooded and forgot to inform jd williams)anyway,my mum went to the bank and paid in £250 and the next day phoned 1st credit and paid bill over the phone with her debit card. in feb this year my mum got a letter from debt managers ltd asking for £449.37,when she phoned to ask what this money was for they told here that the debt from 1st credit had been passed to them,she then told them that she had paid the money to 1st credit but couldnt remember when.she then went to the bos and asked if they could find the transaction which they did eventually find and sent her a bank statment from july last year(with £250 paid in and £250 paid out to 1st credit a day later). she copied the letter and statment the bank gave her and sent it to debt managers ltd and got a letter back saying "we refer to previous correspondence wherein you claim to have paid this account to 1st credit.as the balance differs and there is no client refference on your correspondence we are unable to ascertain if this is the same account.please provide further evendence that this account has been paid." the problem is when my sister got flooded all her papers got soaked and threw out and my mum thinks she shredded the original letter sent from 1st credit when she paid it.what can she do any ideas,thanks
  8. got a letter today from bcw,have posted on forum

  9. hi there,iv just got in from work to find a letter from bcw saying, i herby confrirm your query has been duly recorded on our system file,however we now have a response from our client and would request that you contact us to discuss the matter further. your account has been delayed for ten days to enable you to respond to this letter. i will send the statute barred letter tomorrow recorded delivery.the amount has now changed to £950.59.
  10. hi all,thanks for your help and advise,i received a letter from bcw this morning dated 24/4/08 saying, we refer to your recent letter and to the information supplied by you. the account at this office has been placed on hold while we refer back to our client for further instuctions.we will advise you further in due course. please do not hesitate to contact us on blah blah.you can also email us on blah blah. and that was from someone in the admin dept.
  11. hi there,im new here and found your forum by accident and wish i found it sooner and hope someone can help me. 10 years ago(nov 97 to be exact)i held an account with the halifax and had an overdraft of £1oo,in nov 97 i lost my job and informed the halifax that id lost my job so no money would be going into my account but as soon as i got a new job i would start to pay back the overdraft,in dec 97 me and my partner split up and i had to move out and in the jan 98 i found out i was pregnant so as im sure you will understand this debt went compleatly out of my head. fast forward now to jan 08,i went into my bank to order a new bank card as i had snapped mine and was told that i could now get a current account(was just a wages account i had before)so i said ok and had to give details et.Afew weeks after i done this i received a letter from bcw saying they were acting on behalf of thames credit for an outstanding debt of £1050.i spoke to someone i work with and he said to send a letter stating that if i had had money left in said account that after this amount of time i would not be able to claim the money back(dormant account)and as far as i was aware the reverse was true. A few weeks passed then received another letter basically saying that if i didnt call them they couldnt help me so to give them a call and they would do all they can to help,well i stupidly called them(and believe me i really wished i hadnt)the woman i spoke to asked me a few questions,do i have a partner(no),do i have any dependants(yes 2)do i work(yes part time)do i have a bank account(yes)then said she could reduce the debt to £685 but would need payment that day(what??)i said im sorry but i dont have that kind of money so she said can you get it by fri(this was tue)i said i suppose but id have to borrow it so she asked if i could pay anything and i stupidly paid £100 and she asked my to call back on fri with the rest of the money. On the thurs i managed to get through to the citizens advise bureau and lady was horrified both that i had been contacted about the debt and that id paid money to them and told me to call bcw and say that under scots law a bank/building society have only 5 years to contact you about a debt and after that it should be wiped and that i would not be sending anymore money to this company and as the original debt was for £100 and i had alredy paid bcw £100 that should be it,instead of phoning i faxed the letter to their office in glasgow and heard nothing till tues(22/4).bcw phoned me to ask why i didnt phone them to which i replyed i take it you didnt get the letter i faxed them and the lady said no,funny that i said,i have posted a letter and faxed a letter and none of which you have ever recieved. i told woman what id put in the letter and said that the cab had advised me not to send bcw anymore money,she said that as i had acknoledged the debt with bcw that i would have to pay the outstanding amount even after more than 10 years,so i asked her to put that in writing and send it to me and that as soon as i had their letter i would contact the cab again.if you got this far thanks for reading and any help/advice you can give me would be most appreciated,thanks again and sorry its such a long post.
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