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Everything posted by Amy_Elizabeth

  1. So send Drafty a sar & short letter as above. Then send AJJB cca request with £1 and pap reply from the templateon here? Ok, I'll get onto it first thing. Many thanks.
  2. After checking in my mail drawer, I've found that I do have a "letter before claim". It includes a reply form and i&e form.
  3. Should I inform AJJB that I will no longer be dealing with them and only with Drafty from now on? What should I do once I get the sar? I've just checked if I could log into drafty and I could!! The account says I have credit available!! I'm so so confused. Thank you for all the help. Hopefully I can get this debt settled ASAP. Image to PDF 20210907 22.34.42.pdf
  4. Here are all the emails I have. It looks like some are missing though. As you can see, I was paying Drafty fine but they kept saying I wasn't and terminated the agreement anyway. They passed the debt onto CRS ( admittedly I ignored them as Drafty broke their agreement which annoyed me) who then passed it on to AJJB. And AJJB ignore all my emails to them bar 1. I did at one point set up a payment plan on their website, send in an income & expenditure and asked for bank details to set up payments but they ignored me. They just send me threats instead Drafty debt.pdf
  5. This is the ccj from boyes turner for simplicity energy just to show you.Image to PDF 20210907 19.04.10.pdf Image to PDF 20210907 19.04.10.pdf
  6. Sorry, it was boyes turner that put a ccj on me. I got mixed up. AJJB are representing Drafty and thats who I have the problem with. They are separate debts
  7. Hi there folks. I'm looking for a little help please if possible? So a few years ago I racked up a drafty Debt. I eventually set up a weekly payment plan to clear the debt. Half way through, drafty sold the debt on to various debt collection agencies. ( so payments ceased and I ignored them for a while) At the start of 2021, AJJB LAW contacted me regarding the outstanding drafty amount ( just over £500) Over the course of a few months, I tried to set up a repayment plan with a standing order but they avoided giving me the bank details so it was never set up. In June, I got a email from CRS? That said the debt had been paid in full. I assumed drafty just wrote it off but then in August AJJB popped back up claiming I had not stuck to the repayment agreement and the full amount is still owed. After quite a few emails explaining that they never sent me the standing order details to set up the repayments and sending them copies of the email saying the debt is paid in full, they now claim that it might have been sent in error. But the full amount is now due and I've been ignoring their requests!!! I've asked them to contact drafty to check if this is the case but once again, they are ignoring my request and claiming court action if I do not pay. They are really starting to annoy me now! And I don't want to end up with another ccj off them ( they previously slapped me with a ccj for a £160 simplicity energy debt that almost doubled after fees. Guess what, after several payments on the payment plan, the payments are no longer going through. Not my fault! ) Can anyone advise what the next course of action should be? I've had enough of their ignorance! Many thanks in advance Image to PDF 20210907 16.21.53.pdf
  8. We no longer use the Lloyds account and set up a Flexi account with nationwide. All our money goes to that account now. I prefer to pay by standing order as i have full control and wont forget to pay that way. I pay a lot of bills with standing orders.
  9. Does this look good to send? Ive tried to personalise it as much as possible without being too confusing.
  10. That might take a while. Some have not come after me yet. I have 2 personal loans from Lloyds ( Both defaulted, 1 passed onto Moorcroft ) Over draft with Lloyds ( Account frozen and nothing happening ) Credit Cards American express ( Defaulted and passed onto NCO) Barclaycard - upto date on payments Capital one - upto date on payments Vanquis - upto date on payments Catalogues Very ( monthly payment plan in place and interest frozen ) Studio - upto date on payments Littlewoods - upto date on payments Other Argos card - upto date on payments Paypal Credit - upto date on payments Drafty - upto date on payments I think that's them all. Most were taken out within the past 5 years. Just checked my credit report. Only the 2 Lloyds loans and Amex have defaulted. Very states unknown as im paying a monthly payment and everything else upto date including my Lloyds bank account which has a extremely large unpaid overdraft on. Very confusing!
  11. No, should i? I have the debt collectors letters ready for sending next to me. Should i send them a cca first?
  12. Hi there folks. I'm in need of a bit of advice please. So i owe a lot of money to a lot of companies. Some are being paid monthly minimum and there's a few which are being dealt with by debt collectors ( Ive contacted them via letter asking to make token payments already) I regards to the several credit cards i have, i'm literally just paying the interest every month and the balance isn't going down. I cant to pay any more than that. I'm thinking of sending them all letters asking to freeze the interest and accept monthly payments of £10 ( which is around the same as the min monthly payment anyway ) What are the chances of them accepting this? The companies in question are Capital one, barclaycard and vanquis. Many thanks, Amy.
  13. I already have 2 loans with them that i've been paying for 2 years. Ive never missed a payment but they point blank refuse to help out in any way. All i can think of doing is opening another basic account with someone, having my money paid into there and asking lloyds to freeze the account and let me pay them a set amount each month for the loans and OD.
  14. I have a large planned overdraft with Lloyds and now instead of it costing me £60-£80 a month, its going to cost me £190 a month! There's no way i can afford this and they won't give me a loan! How can this be allowed? And right before xmas too! Ive no idea what to do!!!
  15. Hi there folks, just wondering if you could help me a little. I have had a account with k & co (previously great universal) for over 10 years now. After having my laptop repaired i asked to extend the guarantee which works out just as much for a year as it was for the previous 4 years (but that's another matter) Anyway, whilst in email conversation with a customer service rep, he mentioned that all insurances automatically renew when the policy ends. I was totally unaware of this and could well still be paying insurance for items i no longer have!!! Ive read the small print on the back of insurance policy's i was sent and it only states that guarantee will automatically renew if it has been extended yet the customer service rep states all insurances do it. Im obviously digging deeper into this this and have demanded that they tell me exactly what insurances are still running and what is on the auto re-newel. If it turns out that im still paying for items upto 10years on and wasn't made aware of the automatic renewal system, do you think there is any way of re-claiming the money back? Im livid as nowhere in the documents or insurance policy does it state the renewal happens with all insured items! Thanks in advance, Amy.
  16. ok thank you. I will ask her if she wants a credit report doing. Any idea for the best one to go for?
  17. Hi there folks, need a little help please. My parents have been receiving debt collector letters for a while now for something they know nothing about! It is in my mothers name but she has never been involved with the company that are trying to claim the debt back. She has rang numerous time to tell them its not her debt and also sent them this to which they responded saying they were satisfied that she was not responsible for the debt. But the letters are still coming! Ive noticed on this recent letter that it says the agreement started on 26/01/2007. Wouldn't this make the debt statutory barred anyway? Want them to leave my parents alone once and for all! Any help would be great. Many thanks!
  18. anyone? Ive tried several different options but been declined for all.
  19. Hi there folks. Looking for abit of advice please. My overdraft with lloyds has become abit out of hand. We became homeless just before christmas and i was able to get an over draft for £3650 which helped us find a house to rent, pay the fees and give the kids a nice christmas. (plus pay a few small debts left over from the previous address) The monthly charges and interest are currently around £50 a month. Im ok paying this amount but want to start paying off the overdraft. Im wondering if there is any way to transfer the money to a different account with less charges than £50 a month as at that rate, it wont get it paid off anytime soon. (and my credit score is not very good) They have rejected my proposal to change it into a loan so i can pay it off sooner. Im really worried that there just going to cancel the overdraft. I have no way of paying it all off at once but can most likely pay upto £70 a month to get the debt cleared. I don't want to loose my account and want to pay the debt off the easiest and cheapest way i can. Does anyone have any advice on where to turn? Many thanks in advance, Amy.
  20. Hi there folks. My friend sent me some chicken hatching eggs which were well packed, labelled with 'perishable hatching eggs' and fragile'.These were sent via RM 1st class signed for. I received them the next day. The eggs though, had been so badly handled, some were cracked and internally scrambled. They never stood a chance to develop. I have pictures of proof, and the paypal payment details but my friend had the original postage receipt. Ive filled in the online claims form but RM are asking for all proof to be sent to them! I wasn't even given the option to describe what had happened! I don't have a printer to print the pictures and paypal payment. Does anyone know of a email address out there for me to contact royal mail directly? I cant seem to find one anywhere online. Many thanks in advance, Amy.
  21. can admin delete this thread now please. thank you!
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