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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Honeypot

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Everything posted by Honeypot

  1. Honeypot
    This is all I've had regarding the account- A letter from Barclays saying account will be closed, defaulted and terminated in due course. Please cut up your debit card etc. A letter from Barclays saying they will accept token payments on the account as a goodwill gesture. A letter saying account is now terminated and that I will receive correspondence from Lewis Group regarding paying it back. A letter from Lewis Group with a Barcalys logo on it saying they will accept my token payment and sent a bunch of payment slips. That's all I've had in the last 14 months. Amount £420 when Barclays wrote first letter saying they are closing account. Paid £2 per month on time for last 14 months so balance should be £392 now. Have had no statements at all. Not looked at CRA file so think best I do so ! Do you think I should ring Lewis Group and ask for a up to date statement ?
  2. Honeypot
    I tried paying Barclays directly but they said my account number was closed and I have to pay in to these new account number at Lewis Group
  3. Honeypot
    I am paying Lewis because the account was closed, defaulted then terminated by Barclays. It has been passed to them for collection (not sold).
  4. Honeypot
    Barclays Bank own it. It's a bank account.
  5. Honeypot
    Hi unclebulgaria67 Yeah tried that and the 'make a payment' link is down !!
  6. Honeypot
    Hi dx100Uk Yeah its on my file. Its a bank account debt. They've stopped charges and accepted token payments. My payment is due today and I use payment slips but have run out. They wont give me their bank details over the phone. Can't understand it !! Thought maybe someone on here might have them ?? Never known such a weird DCA. Most DCA's have their payment details stamped all over their letters !!
  7. Honeypot
    Hi There Does anyone know the account number and sort code for the Lewis Debt Recovery Group based in Yorkshire ? I have run out of payment slips and need to make a payment. I rung them and they wouldn't give me the details as I refused to go through a in depth review of my account ! Thanks Honeypot xxx
  8. Honeypot
    Hi filrobbo There's no PPI and only a few charges. I've been lucky that interest and charges were stopped the minute I sent a CCA to MBNA years ago ! If MBNA count produce the CCA then how would it be possible for a DCA who buys the debt to produce one?
  9. Honeypot
    Thanks for the quick reply Brigadier ! I will continue with my £2 a month then! One other thing I forgot to ask the forum- before MBNA sold the debt to Arrow Global I sent a CCA request to MBNA. They replied saying they were unable to comply with the request. I assume they didn't have one. They also said that for as long they couldn't comply they would not issue court proceedings etc however I should understand morally that I had run up the debt and so it existed. Now the debt has been legally sold to Arrow will they be able to comply with the request for a CCA? I read somewhere that they can just produce a template one or something? Thanks Vicky xxxx
  10. Honeypot
    Hello Everyone Just hoping for some advice please. Its been a while since I've had any hassle !! MBNA credit card debt sold to Arrow Global. Arrow Global instructed Frederickson's to collect on the debt. Sent letter with I&E and they agreed to £2 month. No issues for 14 months then today I get a letter from Arrow Global saying that Frederickson's are no longer collecting the debt and it has been passed to Moorcroft Agency to collect the debt. Is this normal ? Should I continue with the payment arrangement I had through Fredrickson's ? Should I prepare myself for another round of abuse from Moorcroft? Any advice greatly received... Regards Vicky xxxx
  11. Honeypot
    12 years ago!
  12. Honeypot
    I've sent them a letter with copy of BR order in. Can I just check that even though I didn't list debt on BR petition it still covers it? Thanks
  13. Honeypot
    Thanks Marmaris30 So the difference is even though its statute barred and legal unenforecable they can still pester me for ever whereas once they have received my copy of my BR Order and confirmed it with the Insolvency service they cannot pester me ever again?
  14. Honeypot
    Thanks for the reply Sequenci. After many years of being told on this site not to ring a DCA, in this instance I think I will !! Honeypot x
  15. Honeypot
    Hello Everyone Please can somenone advise, perhaps from a legal point of view, on this weird letter I had today from Aktiv Kapital. They are chasing a debt from 1997-1998. No CCJ obtained, No contact made, No payment made so Staute Barred. They have used various DCA's over the years to try collect on it despite being SB. I just send the SB letter and then wait another year until they try their luck again. Now in Jan 2012 I went bankrupt. All straight forward. In fact the court said I didn't need to include any Time Barred debts on the petition. received a letter this morning from Aktiv Capital saying- " We have reason to believe that you are subject to Insolvency Proceedings, however we are struggling to read the public Insolvency Register despite our best efforts. Please ring us to discuss or send to us in the post details of your current affairs....etc...blah...blah. It took me 20 seconds to log on to the insolvency website and view my BR details which is public info. Is this a wind up? First question- should I send yet another SB letter or a copy of my BR order or can I bin this letter and forget??? Second question - Can I ring them and tell them to go away or will this reset the clock on the debt and then I'll be liable even though I am bankrupt? Thanks Honeypot
  16. Honeypot
    It was an overdraft with Santander that was passed to them. All I can afford is £5 month but I want to pay them through Internet banking so I'm in control not them.
  17. Honeypot
    Hi Everyone Does anyone have the bank details for Lewis Group/Howard Cohen? I want to make a payment through my internet banking but they insist i have to phone it through and give them my debit card details and refuse to give me their account number and sort code. I think their sort code is 57-18-24 but maybe wrong. Thanks Honeypot xxx
  18. Honeypot
    Sygma bank France is on POC. Its creation financial services.... x
  19. Honeypot
    just read your thread notes-they are excellent. Yes, i got a CCJ claim through. All particulars are correct, i.e. CCA, DN notice, termination notice etc. My chance of some victory is all the £12's charged here, there and everywhere. So that would be my defence I hope!
  20. Honeypot
    Thanks for your reply ims21. Is it acceptable to use these charges in my defence? ( I have already sent my AOS) Thanks Vicky xxxx
  21. Honeypot
    Hello All Is the £12 overlimit and £12 late payment charges a fair charge? I am wanting to defend a CCJ claim and use the penalty charges as unfair however I'm sure I read somewhere that £12 is a fair amount and would be thrown out of court if I went down that route. Can anyone advise please? Thanks Vicky xxx
  22. Honeypot
    How long does one have after a CCJ is awarded to apply for a set aside? Make application to set a side the judgment and re defend but i very much doubt you would be successful, you should have objected to the SJ and attended the hearing in reality. Andy
  23. Honeypot
    Ha Ha, clearly she was wrong then! Is a Judge likely to allow a N245 with very small monthly payments as thats all I will have if the original judgement was forthwith (due to the high amount)?
  24. Honeypot
    Oh well, Mr Bankruptcy here I come...
  25. Honeypot
    Thanks Andy If there is no equity in the property due to another CO in place how can the second charge by another compnay believe this would be security it just doesnt make sense! If I sold the house or it was repossessed for example once the outstanding mortgage and then first charge is paid there is nothing left so the second charge would not be satisfied! Whats a set aside Andy?

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