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focus243

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About focus243

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  1. HI No I don't have proof. I have done the prove it letters and no visit letters and see what they come back with and let you know. Many Thanks
  2. Hi The Debts are for goods from Comet, one is 2006 and the other is older. No PPI was taken out, have been paying minimal payments on both until last year and asked C L Finance to write off, they didn't reply but sent the statement four months later showing full amount discounted and balance owing Nil on bothe. Eight months later RW now saying the debt has been assigned to them, I have sent a copy of the statements from CL but they have ignored that and threatening court action and door step visits. Is the prove it later
  3. Hubby had been paying CL Finance for 2 separate debts. He retired last year and we are living on means tested benefits pension credit and housing benefit with no assets, he wrote to all creditors asking for a Token payment to be accepted or write debt off as circumstances wouldn't improve. CL Finance didn't reply and he stopped paying them. About 4 months later CL Fiance sent a statement for both accounts showing the whole amount had been discounted and balance owing Nil. Although nothing in writing confirming they were writing off these debts. He never mad
  4. Vanquis - Harrasment letter sent, they keep phoning saying it is in my contract that I have to provide a telephone number for them to contact me. They refuse to accept my offer and keep banging on charges and interest as well.
  5. I have not paid any payment to Equidebt since Jan 09 when account went into dispute because they could not provide a valid CCA. I have not paid any money, to them or to the OC and just sent the usual Account in Dispute letter and didn't here from them again. However I have recieved a letter today, thanking me for my recent payment to the OC, which has now been credited to my account. Also they said I havn't got an agreed repayment plan with them and to get in touch to arrange one. If I ignore them they may take legal action against me. In future I must send payments to them not the O
  6. I would ask for the CCA. My OH was paying them and never missed a payment then they asked for it to be increased which he couldn't and they said they would be taking legal action, which they did through Northampton court. He defended the case as he had nothing to lose and they couldn't come up with a CCA. The judge issued a Stay. 6 months later he had a call from DLC saying they were dropping the case.
  7. Hi Lacie Yesterday I received my £1.00 postal order back from DLC as well and they have told me I have to write to EGG for it myself. Focus
  8. No sorry, they are entirely seperate threads one is OT barclaycard/credit solutions. This thread is Barclays personal loan in my name nothing to do with OT.
  9. no it is the exact same debt they sent scotcall to my door on behalf of barclays.
  10. Thanks DX I didn't take out ppi, I have thought about just paying what I have shown I can afford, but they did send an agent to my door when I was out who left a card saying he would be back SOON if I didn't ring the number. I was a bit scared of him coming back so rang him and told him I am dealing with Barclays by letter and waiting for acceptance of my offer, so hopfully he wont come round again. They know I only live in rented property, but worried they might take the car which I brought with the loan. not sure if they are allowed to carry on charging interest on the outstan
  11. I have defaulted on a loan with barclays and have written to them and explained my circumstances and includes expenditure and expenses spreadsheet. They have refused my offer which is the most I can afford and will not freeze interest. I have wrote to them twice and they just send a template letter and tick a box saying they will not except my offer and interest will continue to be charged and that I should contact CAB to discuss my financial situation which I have already and they have given advice to offer a payment of a pro rata offer to all creditors. I have told them in my letter tha
  12. Hi Backtome I am in the same boat as you I cannot afford to pay my Barclays Loan and have cancelled the D/D, but can't find any address to write and tell them about my situation, I have got into debt trying to pay the loan and now am in a bigger mess. If you do find an address please post up.
  13. Hi DD Unlike Wilko, the T & C's on my CCA are on a completely different peice of paper. It doesn't refer to T & C's being overleaf or on reverse either on mine. Although the front is exactly the same as Wilko's. I think his CCA came direct from Halifax, where mine has been sold on to a DCA, who maybe havn't photocopied it on to the back. Unless it isn't an exact copy of the original agreement, and in court they will pull out a copy with T & C's on the back. Thanks Focus
  14. Thanks Enron I will get a letter off to them. Thanks Focus
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