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jaycraft21

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About jaycraft21

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  1. lol mr browne Ps. i have added a link banner to the consumer forum on my website so this might help drive a bit more traffic this way
  2. thank you mr browne, Ps. i noticed the little link under you message, i have got it bookmarked and i will be making some good use of that sortly ,
  3. hi mr ton. sorry forgot about that, all info can be found here full info here which is in my main post, should have put a link to it in my first post sorry. again thanks to everyone here Jay
  4. i would just like to say thank you for everyones help, i am now completely debt free as is my mother. so thank you i don't know what i would have done without everyone here, KEEP UP THE GOOD WORK !!!!!!! :D with the greatest thanks Jay
  5. First of all, please let me just say a great big thank you to everyone that has both helped and advised me regarding this matter, i don't know what i would have done without you all and this site i am truly gratefull. Secondly i would just like to say that abbey have admitted that it was a "clerical error" on they're end and they have offered to repay everything to the value of £250 which means i will be in credit by £91 odd if i am willing to accept this settlement. so i think that it is fair although i would have been happy if they had just apologised and offered to clear the account a
  6. hi all its me again the pain in the butt lol, i am a little concerned as i am still worrying about this DCA i have not recieved anything from them nor abbey and the original letter that i sent them requesting the NOA as it is here Consumer Credit Act template - Consumer Wiki but i still have not heard anything and it has been more than the twelve days stated in the letter. what should i do? should i get mum to ring them and find out whats happening? anyways sorry i haven't been on much and i hope that you are all well, keeping busy and not worrying to much speak to you s
  7. hi all sorry i have not been on i have not been very well but never mind. i was just wondering what i should do now i sent the DCA a letter requesting the notice of assignment and they sent me a letter back saying that the NOA has stayed with Abbey and they have passed my request over to them but i have still not recieved anything and it has been 10 days what do i do if they have not sent it within the 12 days (i think its 12 days?) do i have to send them anything else ? i hope that everyone is well and hope to speak to you all again soon J:)
  8. if debt collecors are so abusive with people on the end of the phone what the hell are they like with their families and friends ok ignore the last one anyone with the mentality to be a DC cant have any friends but i feel sorry for their poor families J
  9. i never recieved this "notice of assignment" doe's the DCA still have the right to persue this legally ? and if not what can i do. i have looked through all of my paperwork and i do not have anything from abbey to say they are passing to a DCA. thanks for the help forgottenone:D thanks J
  10. hi, i have been reading a few of the other post's on this forum and they mention something about an application or something before it is passed over to a DCA what is this as i did not recieve anything from abbey before it was sent to the DCA the first thing i knew about the DCA is when the first letter arrived telling me i had to make contact with them ? Thanks J
  11. hi forgottenone i have tried to connect my scanner up today but i cant seem to find any drivers for it to run on windows vista as i bought it when i had XP on my old PC but i can upload all of the letters that i have written as they were written in MS Word if someone can tell me how to upload them then i will but i am going to see if i can get my scanner to work on dads PC so i can put them on cd and then on here. i am also going to put a post on a deaf forum that i use on a regular basis to see if there is anything that can be done about them from a deaf persons point of view or there i
  12. hi all, recieved a letter from 1st credit this morning saying that they are taking me to court and that they are going to apply for a county court baliff to enter my property (it's not mine it's dads) and remove my possesions can they legally do this. they area also aying that i will have to pay all legal fees for their solicitor and the court there is no way i can do this as i am on income support of £45 a week is there anyway of stopping them from doing this as i feel as if i just want to explode at someone. thanks J
  13. hi all, the name of the DCA is 1st credit has anyone else had dealing's with these?
  14. Hi eastendboy, at least you can understand my predicament with the phone calls a lot easier being deaf yourself and i would just like to say thanks for the support i do appreciate it. i have spoken to mum and she is going to make a complaint and she is going to consider making a complaint to the police also i do feel that you are right in what you say fred about making complaints to the DCA themselves i don't think that anything will be done on their part to resolve the issue i personally believe that they must be the cruelest, heartless and brutalist b#####ds tha
  15. i think you just hit the nail on the head Berrylover LOL maybe it is the only job they can get as they spent so log torturing other kids the didn't bother learning anything ;)
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