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Tweeney

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About Tweeney

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  1. I've tried to look for a statement but can't find one. I'm sure it was over 7 years ago. Would it be classed as statue barred?
  2. Sorry to be thick but what do you mean by i/out?
  3. I have had the catalogue since about 2001 but don't use it anymore, and haven't done for years. Surely as it is a CCA account I should be able to request a copy the same as loan companies?
  4. I have a debt with J D Williams and it has been passed to Lowell, then to Advantis. I sent a letter to Advantis with £1 requesting a copy of the CCA. I have now received a letter back from them stating that a catalogue account is not covered by the Consumer Credit Act 1974 and therefore a contract is not required to open the account. Is this correct? If not, how can I reply to their letter saying that they are wrong? Thanks in anticipation of assistance
  5. I am at the stage where I am so annoyed with Lloyds that I'm lost for words! Basically, a lovely payday loan company applied to my Lloyds account for the full balance, thus making me very overdrawn. I contacted Lloyds and asked how they can authorise such a payment that would make me overdrawn on my account, that didn't actually have an overdraft! I was basically told that the payday loan company can use a "special retail code" that basically forces the payment through so they can get their money. I then had to set up an arrangement with Lloyds to pay back the money owed. In the meantime
  6. I too took out a loan with QQ and phoned them to try and make an arrangement. I got the same response, saying that they couldn't agree an arrangement, but just to ring up and make payments when I could. The next thing I know is that the muckie hall ppl call me at work! I said to them that I do not know who they are and to write to me. I then received an email from QQ confirming the debt had been sold to muckie hall, and also had an email from muckie hall asking me to call them. I didn't. Then I get a letter on 13th August telling me that I must pay the debt by the 17th! It says that if
  7. PDE have been the only company that refused my offer of payment and demanded an I&E AND a letter from my employer! They took the money anyway. They are quite rude and patronising when you ring them as well. I was basically called a "debtor" instead of a "customer" when I mentioned about the "Treating Customers Fairly" FSA guideline. They are pratts!!
  8. I have had problems with Payday Express and now they have taken £490 out of my account and the money wasn't available! I missed one month to rollover the loan and pay the interest of £80. I emailed them on numerous ocassions to say I wanted to set up a payment plan. All I had back was an email to say to call them. Then I spoke to them last week, and explained that I had financial problems and family issues and couldn't pay the whole debt and wanted to set up a payment plan. They wanted an income & expenditure breakdown, and a letter from my employer to say why my income had reduce
  9. Good idea, but I don't have the money for that kind of thing. I have a case with a solicitor at the moment which has been going on for 3 years nearly, which is to do with my late mothers estate, and a barrister is involved. I know their fees aren't cheap, so this isn't an option at the moment. Thanks for the advice though.
  10. Good idea, but I don't have the money for that kind of thing. I have a case with a solicitor at the moment which has been going on for 3 years nearly, which is to do with my late mothers estate, and a barrister is involved. I know their fees aren't cheap, so this isn't an option at the moment. Thanks for the advice though.
  11. I asked for confirmation in writing and got the guys name who I spoke to. He said he would confirm it, but still waiting! I will give them a call again and chase it up. However, I have had a letter from Eversheds to confirm that the hearing isn't now taking place. Best to get GE to confirm the arrangement though I suppose as well, just to be on the safeside! Thanks for your thoughts on this.
  12. I asked for confirmation in writing and got the guys name who I spoke to. He said he would confirm it, but still waiting! I will give them a call again and chase it up. However, I have had a letter from Eversheds to confirm that the hearing isn't now taking place. Best to get GE to confirm the arrangement though I suppose as well, just to be on the safeside! Thanks for your thoughts on this.
  13. Hi Ell-enn I have been having sleepless nights over the court appearance, and I had some extra money from work. So, I called GE and paid extra to bring the arrears down to 3 months. They agreed an arrangement to pay off the arrears over 24 months at an extra £38 per month. I know I could have probably fought over the interest rate, but I was making myself ill over the thought of going to court. Do you think I have done the wrong thing? Do you think I should have held out and tried to sort something? My idea was to ask the judge to change the terms under a time order. GE told me
  14. Hi Ell-enn I have been having sleepless nights over the court appearance, and I had some extra money from work. So, I called GE and paid extra to bring the arrears down to 3 months. They agreed an arrangement to pay off the arrears over 24 months at an extra £38 per month. I know I could have probably fought over the interest rate, but I was making myself ill over the thought of going to court. Do you think I have done the wrong thing? Do you think I should have held out and tried to sort something? My idea was to ask the judge to change the terms under a time order. GE told me
  15. Link STILL continue to call me, mainly on my mobile and leave messages. I did speak to them once, as they had left a message with just a name and number. I said that I hadn't had any notification that they were now dealing with the "alledged" debt. They said over a week ago that they would send a letter confirming this. Still waiting! I'm still ignoring calls. Until I am told they are dealing with me, I don't know who they are and don't have to confirm anything to them.....data protection and all that. After all, I haven't given them permission to call me! Toys well & truely o
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