My parents had a baliff visit from Ross & Roberts last week for 2 lots of Council Tax payments from 2001 and another from 2004. Is the 2001 *Statue Barred* like a credit card debt as such?

Any help appreciated cheers

This is the Topman Credit Agreement

This is the Burton Credit Agreement

Hi Guys its been quite since june but today i recieved the credit agreement for Burtons. 5 months after the original request ???

Any way its here and it loks genuine. Am i right in saying i now should send a SAR with £10 P/o to :

Data Protection Administration

GE Money

PO Box 700

Leeds

LS99 2BD

As i know there must be charges on here. The card is for £500 my debt 900+ (can i claim back the charges + interest = clear the debt?)

Also i have been sent a Topman agreement with a credit of £150 and a debt of 400+

Also of note. on the credit agreements i notice section 2 (ppi it is signed on the topman account - but not on the burtons)

This is where i am lol

thanks to all, will get a letter out today. will keep you posted

Got a letter from BCW today :

VISIT BY DEBT INVESTIGATION OFFICER

Dear (me)

Your agreed commitment to settle your outstanding account with Thames Credit Limited for £££ has been dishonoured.

You were informed in our last corresponance of impending Court Action, as part of that process, we must advise you that authority has now been granted to proceed with a Personal Visitation by a Debt Investigation Officer at your home address.

If your address is incorrect or if there is a particular time you wish the Officer to call we would ask yoto contact us immediately on 0871 700 1547.

Has anyone got any suggestions??

As my other posts say i applied for a CCA and they sent me my postal order back and said my account has been put on hold and they have asked GE Money to provide me with th information directly - received nothing else till this - cancelled D/D as account is on hold.

Letter dated 24june

Im already with collections and they wont do anything for me as they have already passed it to debt recovery centre, they did say that the min loan payment they would accept is £110 a month which is obviously £100 too much, i apparently have to wait for the debt recovery centre to contact me and they may freeze intrest etc...

Nightmare!! - my charges accumalted this month is already over £200 - they really are idiots, as i said i got nothing you cant have more than £10 and a court will look at my financies and award less, so why continue charging. no one listens!

Until GE Capital or whatever they are called these days write to me with the Credit Agreement im not paying anything - as BCW said they have asked them to forward i directly.

Also it was a £500 store card and yet the debt totaled £900+ so must have lots of charges.

Im starting to get a bit confused with everything now.....

1. when i originally sent the prelim i listed the charges and the system added 8% from each charge date, did i do this correctly or should it just b the charge you claim at that stage?

2. they continue to charge me monthly £75 charge plus £5-£6 intrest - they've charged me once or twice since my opening letter can i add these charges on to what im asking for, and when?

3. Ive received my charges for the other 2 Lloyds Tsb closed accounts they total £577 in total - do i ask for my money back seperately for each account or can i just combine all?

Sorry to ask so many questions - you offer to pay what you can and they say no oh and we will not stop charging you or freeze any intrest, just getting a little downhearted. I offered to pay £20 a month a few days ago to start paying of the current account - but they said its not worth it as its being sent to debt recovery and they will be cancelled.

Cancelled DD - received nothing so far since the leter saying the account is on hold hopefully for along time

Received letter today sayin there not excepting £10 a month also that they will not freeze intrest or charges etc...

Until they receive money owed says will still receive letters until passed to there central debt recovery department.

Anyone know what these people do??

I made another token payment today of £2 in current account and £2 in loan account.

Any ideas?

Had a collection alert, immediate payment required from LLoyds for a payment of 1043.80 loan arrears

Had a phone call yesterday saying they are no excepting my £10 a month offer after i filled in a earnigs sheet (which was nothing) but i offered £10 anyway.

Any ideas.. im guessing they will dispatch this to a DCA soon.

Thanks guys.

Will cancell the DD as you said if the accoun is on hold they shouldnt be tking pyments. I will wait the 12 + 2 and take it from there.

The 1st payment i made was through debit card, can they take another as the DD will be cancelled?

Cheers Guys

update :-

Got a letter from BCW today dated 6 June, they say in referance to your letter.... We do not hold copy credit agreements as we are not the creditor; however we have put your account on hold.

We have asked your original creditor to forward you the information directly (they also returned my P/O £1)

Anyone had this? also Direct Debit due in 10 day do i cancel this.

Just gonna go and have a look see to find the letter

Thanks for the input

Help lol

Ok 1st thing is i admit iv been very silly with money over the years and now its begining to bite me big time!

I lost my job last year due to the store closing down and myself not accepting a transfer to a store 30 miles away, i was ok until Lloyds bounced a DD and started charging me fees.

I have a LLoyds loan oustanding for 13,248.66 I tried to bury my head an hope it would all go away but reality has kicked in - i made a token payment last month of £2 - not sure what to do now about this..?

Another problem and a more urgent one is my bank account - well lloyds have added £200 in charges and continue to do so..

last week i was £348.96 overdrawn and had a overdraft limit £245 - i made a token payment of £2.

Yesterday i was charged £75 for charges for April - meaning i am now £427.01 (£5.05 overdraft intrest) iv looked and it looks like they will be charging me £165 on the 2nd July and currently £15 a day now for 10 days until sorted.

Today i have received a letter from Lloyds - Enforcement Notice (Consumer Credit Act) They are terminating there agreement concerning overdraft.

Im in a stage of claiming some charges back from them for 6 years -

1st letter 1st May claiming £278 plus 8% intrest total £320

2nd Letter 15th May - said sorry to hear your complaint yada yada... will get customer support to ring me in next 7 days as claimin hardship.

3rd Letter 29th May LBA - threatning legal action if they dont payup - so im now waiting for them to conatact me again

will keep you posted to what they say - ive not included the latest £75 charge on what im claiming do i change this? and futue charges as and when they charge..

Could do with some help on the overdraft situation as thi is the cause at the moment. Eeeek

P.s i have no income at all, i live with my partner who only works part-time.

Help is much appreciated on all - Thanks in advance guys and gals

Dave

Hi Scott

Taken your advise and sent them letter N Template for the CCA - will post any news as it comes.

Thanks for your assistance - now to my bank probs lol

Dave

Hi if anyone can possibly help id be very gratefull - 1st post - here goes...

In 2003 i had a £500 limit burtons store card from GE Capital well ive since moved 3 times and never got round to paying this off.

Last year i got a few letters from Thames Credit Limited and then they passed the debt to Buchanan Clark + Webb. The debt they are claiming was for 937.62. After numerous letters back in Nov 2007 even thou id just lost my job i agreed to pay them £25 a month by Direct Debit.

I really can no longer afford to pay this as im still no working and dependent on my partner.

I read on the forums about if they cant find the agreement then the debt is viod, something like that. should i go down this avenue or have i messed things up by paying them for 6 months?

Any thoughts and assistance would be appreciated, Cheers