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About citizenX

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  1. I already have 2Grumpy I still owe them £155 after the charges are deducted but I am flatout refusing to pay bank charges as part of a debt. Any amount to the reduce the debt I owe helps. Using the £25 a month direct debit plan I had with them before putting the account in dispute, it would take me 16 months to pay off the outstanding amount including the charges. Had I decided to continue to pay by direct debit, it would take me 7 months to pay the outstanding debt minus the charges. I don't want, or need to pay off more than how much I actually owe. I have spoken to them on the phone given that they said within 48 hours so I can get an understanding of things. The idiots at Equidebt claim that they never recieved the letter althrough I have proof otherwise! They've given me until Monday for a copy of the original letter I sent to get to them. I've drafted this letter, ready to be sent out to them once someone has read through it. Could someone do that and I'll send it out tomorow Look ok?
  2. I admit that there is still outstanding debt after the charges are taken out (390-245=£155 outstanding). I just do not want to pay more until I get Abbey's response, which I havn't got yet. I'm thinking of calling up/offering a £1 a month token payment for now. Should I send a letter to them?
  3. Hi all, I have refered to this forum before for advise on how to clear my outstanding debt with Abbey. I have looked through my statements and found out that some of the debt are the result of bank charges, so I sent them a letter out on the 8th October by Recorded Mail Next Day Delivery and cancelled my direct debit. A copy of the letter I sent out is below: I checked online at the post office and they got it on the 9th October and had a signature. I also sent this letter out to Abbey at the same time by Recorded Mail: Today, I got a letter dated the 15th October where they said that the direct debit had been cancelled and made a final demand. They asked me to contact them within 48 hours. I'm getting cold feet, they paid no attention to the letter I sent to them. What should I do?
  4. So I fell for a porky? The guy said I needed to get the CMS number from Abbey, and once I got it and gave it to Equidebt then payments would be stopped. @PGH7447: Yeah, I am going to do that. I have it in writing from the letter I am going to cancel the DD I have with them until the bank charges claim is settled. I am going to do that since I've heard a DD can be taken at anytime and I'm going to make Equidebt wait.
  5. I've just been off the phone with Equidebt about an outstanding arrear, and the person I spoke to said I needed to give them a CMS number to stop payments. I'm putting the account in dispute due to bank charges that I would like to claim.
  6. I've read how some DCA's will try and extract your signature from any samples. I'm going to be sending out a letter to a DCA and would like to make sure that this does not happen to me. How do you prevent them from doing thise? Many Thanks,
  7. Right, I've decided that I will accept this deal. I've realized I will be able to get this money organised but it will take abit of shifting and fingers crossed everything is done on time. I would like to notify Abbey of this deal, so that I don't recieve any contact from other DCA's about this debt. I've drafted a letter which I want to send to Abbey as soon as possible. Can someone just check I've got everything covered? I don't have the actual bank account information for the Abbey account, but I certainly have the reference number that Equidebt has. Will this be enough for this letter? Everything ok?
  8. Just been on the phone with Equidebt after having a spreadsheet and some questions ready for their advisor. I currently owe them £415.17, but told them about the bank charges which I believe make up of £119.1. The advisor said he would take the charges off but he didn't mention how much the balance would be afterwards *. He went off the phone for a few minutes and then said if I would pay up £295.96 within 2 weeks then it would all be wiped clean and Abbey would update my credit file. * : I calculated on my spreadsheet that I would actually be paying slightly more, since the balance after the charges would be £295.07. It is in a way a result, but I think he got abit scared when I started asking him very specific questions. Anyway, I told him I would think about it so I got his name and said I'd be in touch soon. I have abit of a dillemma, I applied for a bank account a week ago which would include an interest free overdraft that I could use to pay off the deal if I accept it. The bank said it would take about 2 weeks to let me know if the application was successful or not, so I'm not sure if I would be able to get it in time since he said I would need to let them know if I would accept it or not in a few days. I could be debt-free finally after 2 years of being with Equidebt, but I have no idea how I could get that cash together quickly, Does any one have any ideas/suggustions? Many Thanks,
  9. Hi all, sorry for the lack of an update but I've been busy with my bank account after having some fraud done on it. Can someone check that my amended SAR request is fine? Data Protection Act 1998 Subject Access Request Dear Sir/Madam Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:- 1. The original signed, executed credit agreement/s and any terms and conditions that applied to the account/s at the time of default and at the time the account/s was/were opened. 2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with Abbey. 3. True copies of any notice of assignment and default notices or enforcement notice that you/or name of the original creditor sent me, with a copy of any proof of postage that you hold. 4. Documents relating to any insurance added to the account/s, including the insurance contract and terms and conditions, date/s they were/ it was added and deleted. 5. Details of any collection charges added to the account/s; specifically, the date they were/it was levied, the amount of the charge, a detailed financial breakdown of how the charge was/charges were calculated, and what the charge covers/charges cover. 6. Specific details of the fees/charges levied by any other agency in respect of this account/these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 9. Copies of statements for the entire duration of the credit agreement/s. 10.Termination notices PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) You are reminded that you are obliged to supply all the above documents in line with the Information Commissioners Technical Guidance update (Dated August 2007) I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Yours faithfully, So on the postal order, I will write Abbey as the beneficery? Cheers
  10. Don't worry I'm not offended I absolutely agree with you. They just like being in the 'loop'. Noisy eh? They've always known about the overdraft, even deciding to use it to reduce their outgoings and 'top me up' when needed. I just let things get out of control, and they would just go mad about me being in debt. I'm already having problems with them, mainly because of my girlfriend (it's just been over 9 months) who I got told would never be accepted. In general, we're just having problems with money and my mum's into insurance and goes phycho about actual amounts of money. Just another question, I'm thinking about applying for a SIM only monthly rolling contract from Orange. Apparently they are less strict about their credit check, but when I went to apply online they asked for addresses for the last 3 years so I stopped the application. Would me in the middle of doing the repayments to Equidebt affect an application if I made it? I have a Capital One card which I applied for back in February as a way to start to tidy up my credit history, so I was going to use that to pay the rolling contract bills. Obviously paying Capital One on time each month. Anyway, whilst I know any applications for credit are put on your file, do they specify the address used as I would have to give the parents address to get the SIM?
  11. Hi all, I've been lurking on CAG for a few months but now I'd like to get my head straight on an account I have with Equidebt. The story: I was in my first year of uni and had an Abbey account, when I decided to move since I was getting frustrated by their service. I decided to use HSBC, and I told HSBC that I had an account with Abbey and said I would like to cancel that one and transfer the balance over. HSBC did not cancel the Abbey account, and looking back it was bad as I was constantly going out and didn't realize it at the time. So, this means I have 2 student accounts which I decided to keep. Cut a long story short, I got deep into the overdraft of the Abbey account which was £1250 off the top of my head. I completely forgot about my Abbey account and didn't pay any cash into it so no surprise when Equidebt call and I just said ok and started doing payments to it. As far as I recall, I have not missed a payment on this, since Equidebt contacted me in September 2007. Now the interesting bit: 1) While looking for something else in the organiser I have with loads of paper out, I found the original letter from Equidebt which said that the outstanding balance was £1369.08. How can I owe them more than the overdraft limit? Can these be bank charges? It's the only thing I can think that they could be, so in theory I should call Equidebt and state that I would like to reclaim the bank charges citing financial hardship? Is this possible? 2) I am living with my parents. I stayed in the same property throughout uni, until 2008. I then moved about during the summer, before going back to uni for one more year but to a different house. I guess this falls in my part, because I knew that if I changed my address to my pernament address then my parents would open the letters that come every 3 months for a payment review. They would open anything, they even opened up my uni letters which I didn't get asked about, or I would get asked about letters for me. Back to the Equidebt matter, I just want to sort this mess out that I made myself. I've always made sure that I've got enough money (which isn't easy when looking for work) to cover my monthly payments, and have always had the intention of paying all of it off. Currently, I believe that the outstanding balance is around £400. Right, so I would like to continue with my payments and the debt could possible be paid for completely in 3 months time. I am considering updating Equidebt's records for a correspondence address but I do NOT want any letters coming from them. I am serious, I could get kicked out of the houes if my parents found out. I would appreciate it if anybody could give me some advice on those 2 questions. Many thanks,
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