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Missy Allen

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Everything posted by Missy Allen

  1. Abbacus Thanks very much for that I will just not respond to anything. Is it 7 years before the matter is time barred providing there has been no communication? Missy Allen
  2. I sent a further letter to Frederickson International with regard to not being given a copy of the enforceable Credit Agreement and I have received a letter back stating that I need to request this from their client but I need to ring them to discuss discharging the outstanding balance. What should I do now? Missy Allen
  3. Hi People Yesterday I received a letter from Frederickson International Ltd. They are now chasing the debt on behalf of Royal Bank of Scotland although the original card was taken out with NatWest. They say they have been instructed by RBS to collect the outstanding balance. Do I send them the same letter that I sent Intrum Justica? Thanks Missy Allen
  4. My husband has a debt with Abbey Business Banking for an overdraft. He is no longer trading and has been paying the debt back £50 per month. In December he could not pay £50 so he wrote to Abbey explaining that he could no longer afford to pay £50 and offered £25, he also sent a full statement showing incomings and outgoings. They have refused to accept the £25 but we have paid it anyway. Abbbey said they had not received the Incomings and Outgoings Statement so we sent it again and they have today sent another letter saying that they want £50 per month. We cannot afford that my husband's
  5. Hi Womble They sent me a copy of the CCA together with T&C's but I took the card out over the internet and apparently at that time a signature was required. It wasn't until some months later that the law changed and it was acceptable for there to be a tick in the box only. I'm not sure if the T&C's are the ones that were applicable at the time of the application. Unless someone gives some advice to the contrary I'm going to wait and see what happens.
  6. Hi dvdriley Keep making regular payments, I have to agree with the earlier post no one will call at your home. I would write to the debt collection company and inform them that you are making regular monthly payments. The County Courts would not look favourably on anyone instituting court proceedings when the person is make regular monthly payments. You may of course be asked to prove that is all you can afford so you may have to put together an incomings and outgoings list. Good luck. Missy Allen
  7. I have received a further letter from NatWest - the same as the last one and attach a copy. I have written to them stating that if they take the matter to court they can only rely on the evidence they have provided. Should I point out to them that they require a signature not just a tick in a box on the internet application or should I just ignore them and see what happens? http://i461.photobucket.com/albums/qq331/bernadetteallen/scan0006-1.jpg http://i461.photobucket.com/albums/qq331/bernadetteallen/scan0005-1.jpg
  8. Hi bobtailmad My current position is as follows:- I have tried contacting the FLA but they will not accept my claim over the telephone and advise me to make a complaint over the internet. I have made 3 complaints so farand not one has had a response. Lombard told me that the Financial Ombudsman cannot get involved in this matter due to the amount of the credit but they are regulated by the Financial Services Authority. Lombard say they have currently "reviewed" the file but I have to agree with you they do contradict themselves, back track and actually make things up.
  9. Fred My apologies I do not have a default notice only letters threatening to register a default but I do not actually have a Default Notice. Missy
  10. I have received a further letter from Caob stating that I have to get back to them within 14 days. I have double checked and MBNA sent a Default Notice in July 2008 and this states the correct credit card account number, however, Cabot Financial are still quoting an incorrect account number. Should I ask Cabot Financial to confirm that the T&C's are the original T&C's at the time of signing the agreement as I presume once this has been clarified it will be pretty obvious whether the agreement is enforceable or not. Thanks
  11. I have a NatWest credit card that was taken out in 2001 and the copy CCA NatWest sent me does not contain a signature - is this enforceable? If not, how do I respond to NatWest who are stating that they will pursue me for the debt as they consider the debt to be enforceable? Thanks Missy Allen
  12. I have now received a further letter from NatWest stating that they have supplied a copy of the CCA and they do not consider the account to be in dispute ad will be persuing me for full repayment. However, I have read that the Agreement requires a signature if taken out before December 2004 - my account was taken out in 2001. Can anyone give me any suggestions on how to proceed. Thank you
  13. Coverplan refuse to honour the agreement as I have replaced the washing machine myself so unless I take them to court I am not sure what I can do as Coverplan will not answer any correspondence any more.
  14. Hi, I need some advice. My husband has a Lease Purchase Agreement with Lombard. The Trailer (the subject of the Agreement) was sold which left a shortfall under the agreement. For the past 7 months the matter has been going through the complaints procedure and due to the conduct of Lombard I have informed them I am going to take it to the Financial Ombudsman. Lombard have stated " As your agreement in non-regulated". What does this mean - just that the amount borrowed was over £25,000 and therefore is not covered by the Consumer Credit Act or does it have different implications. Than
  15. My husband had a lease purchase agreement with Lombard for a trailer. At the time he was trading as a sole trader. I have a complaint with Lombard and they have informed me that I cannot take my complaint to the Financial Ombudsman as the agreement he has is non-regulated by the Consumer Credit Act. My husband sold the trailer and there is a shortfall under the agreement but it is in dispute and going through the complaints procedure. What does this mean when the agreement is non-regulated? Is that good news for us or not? Missy Allen
  16. omg I can't believe that. I would like to say a big thank you to everyone who gives such valuable advice on this site. Thank you. I hope to be able to give some myself having had some experience and feeling a bit more confident now. Thank you.
  17. I have now received a letter from Intrum Justica informing me that they are passing the matter back to NatWest. What does this mean?
  18. Well Factoring Solutions, I have good news. I stuck to my guns and when the Customer Services Director telephoned me I kept insisting that as they were regulated by the FSA they had a responsibility to ensure we understood the agreement and that as one of our customers was also one of their customers there was a clear conflict of interest. Eventually they conceded and the outstanding debt of £3,000 was written off by RBS. Sometimes it is just like a battle of wills but I was not backing down as I felt I was in the right. I hope my experience will help other people. Missy A
  19. I have removed the links to the agreement - sorry I didn't realise.
  20. Hi Steven The punch holes were actually made by myself when I filed it. What is my best course of action now? Cabot Financial are still sending letters containing the wrong account number. Missy Allen
  21. http://i461.photobucket.com/albums/qq331/bernadetteallen/scan0006.jpg
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