get rid of the old charges they are chasing for.

Ok, how do I stop this.

Thought this had vanished now all of a sudden moorcroft are chasing. Old charges a from 2003 - 2009. Old credit card debt. HFC sold me a loan to clear the debt. Am i right this was illegal. Selling a loan to clear a debt.

Got all the statements, sent them free as soon as i asked. What next to get the charges cancelled.

Looks like charges were £15.00 a pop.

Hi all, ok here we go. paying off a old credit card debt (hfc) via hfc loan. £31.02 per month. 10 years. last payment due. £31.02. took £430 late charges(2003 - 2009) no doubt adding interest. lloyds reversed all back to my account. said i would pay last 31.02 but no charges. Told this to indian call centre 2/3 times. wold not give new bank account details asked for pre filled bank giro. day it arrived got an letter from DLRS. I .must contact within 72 hours or else. (Debt Litigation & Recovery Services) Consumer Credit Licence 270639. Part of HFC ?. Any one know?. No PPI involved.

Forgot to say at the beginning, lloyds reversed the £450 back to my account. Offered to pay the £30 final payment, but was not paying the charges. sorry for confusion. then the DCA appeared.

At work just now will supply DCA name later. can't remember name offhand.

Old loan to clear off cc from years ago. Just about to pay last £30 they grabbed £450 out of my account which included £420 late payment charges from 2003 - 2009. Talking to indian call centre is a waste of time, told them i was disputing the charges and i would make the last payment of £30. sent me a paying in slip(would not give them my new account details). On the same day got a letter from dca asking me to ring them.(as if). any advice on getting these late charges sorted.

Thanks guys. Will it make any difference That i have been paying them all along. Once i have sent the cca i get the impression from other posts i should then send the SAR and get a statement of account. will start the ball rolling and see what happens.

old Lombard debt from 1999. What i can remember total owed 7.5k.made redundant 12 months later. passed debt to moorcroft 2001 ithink. paid to them then aic appeared on the scene saying they were collecting on behalf of Lombard.(they have always said they are acting on their behalf).Seem to be paying forever 100/month.recently have had a few problems paying,send them what i can, when i can. owe about 1k.still getting hassled. deny evey statement they previously made,refuse to put anything in writing, except usual shirt off your back etc.told me i was commiting an offence when i would not tell them house details, employer etc. had enough.! How do istop them in their tracks. CCA. SAR, ignore them. too old for this nonsense. all advice accepted graciously.Do i contact Lombard and ask why their collection agency refused to accept payment because lombard are demanding full payment,been hung up on,you name it. how do i get a list of payments made, they only say they will write the amount oustanding on a comp slip. or at the top of a letter. Help!

First time posting, not sure what i am doing, apologies in advance. Have a couple of issues, one with aic, one reclaiming charges from MBNA. Not trying to wriggle out of paying, i am of an age that if i owe a debt i will pay it. Debts go back mostly paid back , just so hacked off mostly at aic for the never ending hassle.althought i have paid off mostly 90 % of 7.5 k. will start a new thread for advice on dealing with these morons.