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  1. Yes- within the space of 2 weeks i have received letters for the same catalogue debt from 2 different companies and now the same letters from a company called RED!!!!
  2. hello, I did not want to hijack someone elses thread but this also applies to my case... All my previoius letters have been ignored and then the debt is simply passed onto/sold onto another DCA and then i get the same letters again!!! I again dispute them and after a while the same letters either comes back from the same DCA or it comes from a new one... I know i can just ignore it but do we have a letter which will stop these people or one that i can make an official complaint about the whole lot - is theer one letter that can be sent so that i don;t have to keep on disputing the same debt with different DCA's?Any advice would be very much appreciated thanks
  3. Hello, I was getting together all the information to put in a hardship cliam against the HALIFAX..... However, could anyone advice if i now simply stop...All my charges for for unpaid standing orders/ direct debits Thank You
  4. Another update... I am nw getting increasingly confused as i send out 'prove it' letters- after a while i get more letters from these creditors saying they have now reassigned the debt???? do i keep on going around in circles with these people or is there another letter that i could send out? furthermore from one of the DCA's i received this letter yesyterday which has the following quote '' ''...... unfortunately we are unable to locate a copy of the executed agreement,but for your information we enclose a copy of the current agreement which applied to this type of account.'' please could anyone advice to mt above points Thanks
  5. Update- Once again thanks for all advice- they have accepted reduced payments and state that it's as a temporary measure only
  6. could you plesae advice which letters i should now send out to them as the letters i have sent havd just been ignored Thanks
  7. Firstly, thanks for the advice so far…….An update.. I wrote a letter to them requesting for explanations of the charges and copy agreement- I sent this by recorded delivery…Not only did I ask for a breakdown of charges I also offered to them reduced monthly payments until I can increase. They have chosen to ignore my letter and instead sent another ‘FINAL DEMAND’- 7 days notice or repossess car. I received another letter yesterday but it seemed to totally ignore my letter as they make no reference to it. This latest letter goes on about 7 days only to sort and ‘FINAL DEMAND’ at top of it. 2 things now- the letter I sent requesting the information was only a standard letter I’d written and not an ‘official request’ as per some examples on this site. Should I also send an official letter with the £1 postal order – please could someone advice which letters I should be sending as I don’t want anyone to repossess car after 7 days Secondly- as they are just ignoring my letters/ emails etc- will they be able to just repossess car I really want them to come to some sort of arrangement but they don’t appear interested.. All help very much appreciated Thanks
  8. Many thanks for the above advice- I am on it today- can't find copy of original agreement but will request and the scan and post everything up on here.. If i didn;t need car then i'd almost certainly just give it up but i need it for my work and all i really want is to have a little longer to pay this off Thanks again
  9. sorry forgot to amswer the question is the last post... many debts -all icurred when i first faced my problems approx 3/4 years ago Many catalogue debts etc.. Although i do have CCJ for other business debts- These current letters i am getting are ones where there is no CCJ These are now coming from DCA's that i have never heard from e.g this morning just got another letter from WESCOT on Behalf of ARG equation????? I have never heard of these?? Thanks again
  10. Thanks for the great advice...again- I had thought i'd escaped these people when i lost my home last year will send letters out again
  11. Can anyone recommend any reputable 'ones- recd email from chargeclaims.co.uk?? also- any help with what to do with DCA's when they ignore letters... Some of my debts , despite having sent the correct letters to the DCA'a- they are either just selling debt to someone else or they keep writing to me and each time the amount seems a little higher. One of my debts old business credit card) -has changed hands so many times now that i am not sure if i am supposed to keep on sending the same letter each time debt changes hands?? Would really appreciate any help in this... some letters i have recently received i can now honestly say that i have no idea what it relates to....plesae can someone help thank you
  12. Hello, I now have the ongoing problem with car HP agreement that i am behind with. Default notices recd... I have paid approx 2/3 of total but now cannot maintain payments- I need car so would like to keep it. They (BCT) will go for court order as I will not let go on a voulumtary basis- can i make a much reduced payment plan with the courts which would overide the HP agreement or will the courts automatically grant full repossession rights to finance company Thanks
  13. Hi- if anyone who has been through process of setting aside a CCJ could advice me,that would be great.. I am 100% sure this debt is non-collectable but CCJ already registered at old address without my knowledge- All i need to know is that can the process of setting aside be done without me attending the hearing??? I have paid £75 already and can't afford to take more time off work-- can i do it all by post??? if anyone has managed to have a CCJ set aside without attending the hearing then i'd be interested to know the procedure Thanks
  14. update- Hope someone can advise further- As these jokers registered a CCJ at a 2 yr old address i have then with advice from here applied for a set aside - this has cost me £75- I am still fuming as Capquest have cost me so far £75 to apply to set aside and now the letter i received from court this morning advices the hearing on a day when it will be very difficult for me to take time off work as i work away for few days per week.. Do i have any other options here??? i am 100% certain this amount claimed will never be proven either with agreements or payments as the last involvement i had with this bank was some timein 1999- But at the end of the day capquest have secured a CCJ by writing to me at an old address Can i continue with the application to have it set aside by post or do i have to go in person?? Any advice very much appreciated- if i do have to go to court then the unauthorised day off will cost me very dearly thanks
  15. Thanks again- to answer some of the questions: although they had supplied a CCA just outside the 12+2 days- i am still awaiting for a copy which is 100% legible they have most certainly not attempted 'personal service' of stat demand- it came by registered/signed for post they are sure that debt is not statute barred and have refered me to statements they had previously sent- i know that these mau well be dodgy statements but i also know that i made last payment approx 4/5 years ago- althye they have not provided proof of this- could i ask them to prove to me that these payemnets were made on account oin 2003?? Thanks
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