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Everything posted by DeRichleau

  1. Firstly, Thank you so much for your reply, and for you links. To bring you up to date we have already followed your advice, kept a log used 101 etc. The Police were unable to take action because we had no proof. However we now have photos and written testimony. We phoned 101 on the last incident (the one against the Asian visitor) and were told by the Police there was simply no one available to deal with it. The perpetrators simply make malicious complaints against us if we call the Police, and try to bounce the complaint against us. That said we will follow your further advice, take time to follow your links in detail and with CAG permission keep matters posted here in a non libellous way. My wife is looking at further spinal surgery so things can not carry on the way they are. Thanks again for your and CAG support.
  2. Any body have any ideas for us? There is a company called 'Injunction direct' I think.
  3. Yes we have had the police round and the landlord. Both have their hands tied in as much as we cannot prove racism. However we have witness statements and photos of the following. If you could imagine these points happening on a regular basis you will have some idea. 1. General Hostility 2. Personal abuse using racist words like 'Pikey' 3. Harassment of visitors to our cottage. We have five written statements including one from the Boss of an Asian Government Officer who came to see us, and was subjected to a torrent of abuse for parking next to our car. 4. Our car deliberately blocked in when loading, so we are unable to close the rear door. We have photos 5. Silly playground pranks like fencing our car in on a private car park with road cones. 6. Weed killer on the lawn and garden. 7. Malicious complaints about anything. Face them up with it they deny it. This has been going on for the best part of three years. kind regards to you all
  4. My wife of Romany descent, and a neighbour ex NF and BNP sympathiser. Too much evidence both photographic and written to place here. We are seeking a restraining order. Would some kind soul review our evidence, and help prepare a draft order for the court. We are pensioners and do not know where to turn. Many thanks.
  5. How does the new Law affect calls from DCA's. Not at all? We can't be that lucky can we?
  6. Cagbmn.. please will you P.... off out of my thread and allow me to talk to the site team and others in peace. This site and its help has saved my life almost literally in the past I don't need to hear from anyone who thinks they know better than everybody else. Site team may I request that you remove any further replies from Cagbmn on this thread.
  7. I can see a degree of arrogance from our Bank lover above. I just need 1k in a hurry, due to the death of my landlord and enforced house moving due to his death duties etc. I'm not in love with credit cards but it seemed to be the first thought that occurred. thanks for your help, if you have any other thoughts my mind is wide open, unlike our friend with the big opinion of himself as we can see.
  8. My credit rating is not too good {so no change there then} I could use a credit card with about 1k limit. Which is the best one to try? Thanks for your help.
  9. I am a wiser Derichleau than I was. Thank you all for your replies
  10. Thank you for all he replies. To sum up then, DCA's can be unpredictable, if they get a sniff of equity they will go for it via statutory demand and/or Bankruptcy. The best way to deal with them is to ignore them or reply in such a way as o make them move on to the next account. They are comparable in my mind to mentally deficient un-caged feral animals, who may run attack or cringe depending on how they perceive their prey. {Blimey I am waxing lyrical} So always expect the unexpected. Have I got it right?
  11. Debt purchasers sue regularly! Quite surprised by that. Don't get me wrong I totally believe you. However I always thought that if a debt was purchased it was right down at the bottom of the food chain and court action would not be viable. If you have time please reply I'm learning from you here I have a couple of pals I am attempting to help out.
  12. Dear Sir, We act for Mr Arkell who is Retail Credit Manager of Granada TV Rental Ltd. His attention has been drawn to an article appearing in the issue of Private Eye dated 9th April 1971 on page 4. The statements made about Mr Arkell are entirely untrue and clearly highly defamatory. We are therefore instructed to require from you immediately your proposals for dealing with the matter. Mr Arkell's first concern is that there should be a full retraction at the earliest possible date in Private Eye and he will also want his costs paid. His attitude to damages will be governed by the nature of your reply. Yours, (Signed) Goodman Derrick & Co. ------------------------------ Dear Sirs, We acknowledge your letter of 29th April referring to Mr. J. Arkell. We note that Mr Arkell's attitude to damages will be governed by the nature of our reply and would therefore be grateful if you would inform us what his attitude to damages would be, were he to learn that the nature of our reply is as follows: f*** off. Yours, Private Eye
  13. Wonderful!! Never heard of this before and it would be a good ploy to confuse DCA's. Look it up it's worth it. Meanwhile would it be fair to say..... 1 There is a heirachy of DCA's the lower the more useless and the more likely that your debt will be returned 2 If an O C has gone to a DCA in the first place it is unlikely to sue. 3 The DCA's are getting seriously rattled by the fact that so many alleged debtors are fighting back.
  14. I am sure that the site team already know but in case this is new info, Moorcroft are replying to the 'Doorstep' template letter from the library with their own letter, which implies that the details are 'Not relevant to these circumstances' i.e your alleged debt because they have been gleaned from 'various websites. Rubbish I know, but it may worry some new members to this forum, and a word or two from the site team may re-assure them kind regards to all Derichleau
  15. Just revived the thread. Today on New Years Eve IT BEGINS! The first phonecalls. Duely logged and politely rebuffed. Meanwhile reading through the above posts and kind replies it occurs to me that I have not mentioned that it is a business overdraft. Iassume it is subject to the same 28 day rule and CCA default as any other overdraft . Before all this blew up I have retired, and just kept the account on because it was convenient, however I will not be bullied by phone calls or threatograms, bearing in mind I have always maintained the acct. in a correct manner paying all charges. When this blew up I sent a request that all standing orders and DD's be cancelled. They confirmed in writing then proceeded to try and pay various items anyway. result illegal charges. They appear to have shot themselves in the foot. If anybody has info re- business overdrafts and has the time to reply I would appreciate it Happy New Year to you all
  16. So Two letters saying return the money immediately, and we're charging a new rate of interest from now on, does not cut it. The fact that they did not give me 28 days notice of cancellation means that when and if they do issue the demand as you described it will be illegal. Just getting my facts right or not. Many thanks for your trouble
  17. Yet another threatogram today. I've got a feeling these clowns might go straight to a DCA What will the formal return demand look like? Similar to a DN in style?
  18. Just received a pay us the lot in 14 days or else threatorgram. Is it worth replying. It does not look too formal, but then nor did the rest of the wastepaper they sent
  19. Yes Andy, Saw all this coming and once again thanks to this site got an account elsewhere. Needed a bad credit account and was advised by the site team, so thanks again
  20. BOS have decided to withdraw their overdraft facility. So nothing new there then. I was half expecting it, I have been giving them grief for sometime over their mishandling of my finances. However I was below the limit and had paid all interest charges, so why is it worse then? They start gibbering down the phone to me, and it was quite surprised when I was not only ready for battle but quite clued up as well, entirely thanks to this site. I asked the aforementioned to state exactly when they intended to withdraw the overdraft and he stated that it would be 17/10/13. I asked to confirm in writing and he did. This was on the 9th this month. So much for 28 days warning. Today a threatogram arrived stating that they intended to withdraw immediately and my overdraft would become 'unauthorised' and would attract the unacceptable rate of interest that we are all used to battling. Finally they tried to use this to try to bully me into a loan etc. etc. My plan is to wait until the default arrives and then use my missing 28 days to start a defence. When they start with the usual telephone assault, log all the calls and get them for harassment as well. How am I doing so far? Have I missed anything obvious. Kind regards to you all.
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