can you post the link for thte search

it does feel like that!

I called for my balance which was just over £300. I called to make the £300 payment 5 mins later. My debit card is a solo so no payments will go through unless there is enough cleared funds in the account. I have previously had payments refused as there was a payment waiting to leave my account which meant my balance would not cover the amount I was trying to pay

I have had an account with Natwest for over 6 years. My account is the basic step account which does not allow you to go overdrawn.

Last month I called phone banking to get an updated balance which stated that my balance was £300+. I called a compnay that I needed to pay that day and paid £300 on my debit card. This went through without a problem. A few days later my balance was showing at -£294 and I have been charged for making this payment. I have also recieved charges for being overdrawn.

At no point did I willingly go overdrawn and as my account is a step account there should have been the checks in place that if there was no funds available then the payment not made.

So I have a case for refunds?

just sent this email -

For the attention of Stephanie Morris

regarding the above account. I have recieved your letter dated 20th November. I request that the court case number is forwarded asap as you state that an Enforcement officer will be attending looking to recover the debt and establish my assets and as far as I am aware this requires a court authorisation.

I also request full details as to how the amount being requested has been calculated. I wait your reply

just sent this email -

For the attention of Stephanie Morris

regarding the above account. I have recieved your letter dated 20th November. I request that the court case number is forwarded asap as you state that an Enforcement officer will be attending looking to recover the debt and establish my assets and as far as I am aware this requires a court authorisation.

I also request full details as to how the amount being requested has been calculated. I wait your reply

I'm not going to agree payment until I recieve full details of how this figure was calculated. Can anyone direct me to a letter template to ask for this information?

nothing at all. Is there any way we can find out if it has been to court? Should there be some records somewhere we can access?

I haven't sent an email yet - theotherside, have you had a response?

I had two loans - one in March for £301 and a £655 loan from wonga in April and was unable to pay them back. They took £875 from may account in total since then. I have since cancelled the debit card they were using as they were going into my account for differing amounts when ever they felt like

have done - http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/234293-marston-payday-loan.html#post2595376

thanks dx

myself and another member have posted on the payday loans forums -

http://www.consumeractiongroup.co.uk/forum/payday-loans/234267-marstons-wonga.html

http://www.consumeractiongroup.co.uk/forum/payday-loans/234257-bailiff-letter-urgent-help.html#post2595063

any advise is welcomed urgently

the other side - I recieved the same letter today (see other thread). Not only have I not received any earlier mail from them (they state on my letter that I have failed to respond to a hand delivered notice) but they amount they are demanding is so far from the original loan that it is laughable. I also need to know what letter to send etc as I really don't want to correspond by phone

not that I am aware of - haven't had any post detailing anything, but my sorting office has only recently stopped striking one day a week

after posting this I am very troubled even more so by the amount they are asking for - is there a template for a letter to get a breakdown of the amount in question?

I have taken out a couple of payday loans this last 12 months (stupid I know) and for a time I had to take another loan as soon as it had been repaid. then my husband was off work ill for a number of months and I wasn't able to pay back.

I recieved a letter this morning from Marston High Court Enforcement Officers -

"Defaulted loan Agreement ******** Amount outstanding £1998.53 samedaycash.co.uk

...unless we hear from you within 5 days from the date of this letter, one of our enforcement officers will be attending your premises. The officer will be looking to recover the debt, and establish your assets. Your goods will be at risk, should a court order be obtained."

What should I do? I can't afford to repay the amount (this has been trumpted by massive charges) they are asking and will struggle to make any repayment higher than £50 per month.

they have called a couple ot times today - on the landline when I said that I was recording and that they needed to check their notes as their executive office had stopped all calls for 14 days from the 9th; she said goodbye. 1 minute later a different person on my mobile - as I went into the above speech they put the phone down. Then they called both landline and mobile again a couple of hours later - didn't bother to answer

after getting behind on my account I have had to suffer the harassment like many of the phone calls. They change their number often and have been calling home line, mobile and work on a basis that has gone to the unbelievable (I even received calls at 2am and 3am). After looking through this website I complained to OFCOM and the FIS and sent the stop calling letter recorded delivery. They received the letter on the 2nd November and from the 4th November the calls did stop. However the past two days I have received a couple of calls (from another different number!). I then recieved a reply yesterday (dated 9th November)

"To advise, we only call if the account is in arrears and we do not feel it is unreasonable to keep in contact with customers who are behind with their payments. The calls will continue until you've made a payment arrangement with our collections department or you've brought your account up to date" (I pay £50 per month through online account access).

"I need you to know that our intention is not to harass or cause stress to our customers, but simply to see if we can help in any way. I've stopped the calls for the next 14 days."

"We are legally entitled to call you regarding your debt, and strictly adhere to current financial guidelines and legislation; I am therefore unable to stop calls on demand"

"I have removed your work number as you requested. I understand that due to calls being made at your place of work, you may be taken for disciplinary action. I am sorry that the calls have caused this action; this was not Capital One's intention"

"You mention in your letter, that you will be recording any further calls received from Capital One. Please ensure that you check with the agent, before recording the call, as you will need their authorisation"

what else can I do - can't continue with the calls again and I am paying them as much as I can currently afford.

Ang

your friend is misled - my recent visit is due to this years bill and not last years. I had this conversation with the local authority that is was not actually due to be paid until March 2010 and the reply I got is that it is actually due in April 2009 unless you chose to pay by installments in which case as soon as you fail to make a payment they are entitled to pass the case on to the bailiffs

I just thought I would share my experience with Dukes in regards to council tax -

We fell into arrears with this years bill (long story, which I will not go into) and recieved a hand delivered letter whilst I was at work stating that the account had been passed to Dukes for £1200. I called the office straight away and informed the office that we had not recieved a liability order, and would be contacting the council for a copy, but in an act of good faith I would send a cheque for £200 and also stated that we were visiting relatives and would not be available for calling until 3rd August.

This cheque was cashed, and whilst we were away, another hand delivered notice posted through, which stated that the amount had risen to £1500. I wrote again to them offering £200 per month, and enclosed a cheque for this months installment.

Within 4 days, I recieved a letter stating that I had to contact the bailiff directly, my cheque was also in the letter with the date highlighted ( i can only assume that as it was dated for the 20th (the letter sent on the 16th) which I did to ensure that the cheque would clear)

I called the bailiff and explained that we were offering payment and I could not understand why the cheque had been returned. He stated that he could only accept a payment plan if £500 was paid immediatley. No matter how I tried to get him explain why they had not accepted the £200 he just continually demanded £500. I had to make an appointment for the following week in order for him to collect the £500 and make a payment plan.

Following the call, I looked around the internet for information and came across this site. I found the information that I needed and emailed the council that afternoon.

I informed them that we were not refusing to pay, but we had offered an amount which would clear the debt before the next years account would be due and that we could not afford to pay a higher amount. I also included the information about not accepting payment and that we felt that any money would be better than none.

I tool a call this morning from the council - they are calling the account back from the bailiffs and have suggested that they use an order on my wages, (she actually said that we may well be better off that way as is is unlikely that we would be paying the amount I offered).

She aslo said that my experience in regards to payment not being accepted (I have to send a copy of the letter and returned cheque to her) will be given to her manager as she is not happy that this has occured.

I would like to thank everyone on this site for their advice.

To anyone who is worried and scared by the tatics that bailiffs employ, read through the advice given and the experience others have had, you will find a way through it.

In June 2001 we moved from an address that I had lived at for 4 years. Since that time we have lived at 4 different address, however we have always been on the electroal register and not hid from anyone. We have been paying any debts that we knew that we had and didn't think anything was a problem.

I then recieved a call from the mother of the person who brought the house in 2001 to say that her daughter had been visited by 2 lots of baliffs and had several threatening letters about a debt in my Maiden name (been married since 1995). I told her to forward all these details onto me, and to give the company my current address and phone number. Thames Credit then contacted me to say that I oweded over £600. I went over the details with them and it turns out that even though this debt originated from my parents house (before I was married) they had not tried to contact me there, look at the electorial register just hounding this woman who told them time and time gain that she wasn't me.

I then sent them the letter about the Limitation Act and I know have in my possession the confirmation from them that this debt does fall under this law and that the account is now closed.

If you are think that you are being hounded by them about a debt that they have not used appropriate methods to find you (but not if you have been hiding) then use this law.