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

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 ,

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

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

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 and close it. Thirdly. the financial ombudsman has said that i can make a complaint regarding 1st credit regarding the way in which they have treated this situation, would this be worth doing as i know quite a few other people have had dealings with them. i would NOT want anything from them other than an apology for all the C@@P they have put me through and a refund of the postal orders that i sent them for the NOA and the other thing ( £11 total). but it it really worth pushing ? again thank you for all the help that you have all provided. with the greatest thanks :D Jay Ps. thanks to the help on this site i have also managed to get 10 years worth of bank charges (nearly £24,000) in the process of being refunded and a charging order removed for my mum. thanks for all of your help and keep up the good work thank you from me and mum:D

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 soon and take care J

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:)

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

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

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

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 is any guidelines in place for dealing with deaf/ disabled persons and if there is i will post a link to it so other deaf/ disabled persons can use the information (but i will need to know how to post links please) touchwood OnMyWayOut the last two days all i have had has been the one letter that they sent to me today to which i have sent them an email explaining my situation again that i am on I.S./ I.B. of £45 a week as i am deaf and have a problem with my back and i am not in a situation to either fight or accept this at the moment and could they please stop proceeding's until i am well enough to cope with it (lets see what they say to that) and i have also asked them not to contact my mother by telephone again as she is not willing to speak to them on my behalf after the way in which she was treated by the companies staff (what will they say to that) i also used part of one of the letters but i have typed, printed and mum has sent them recorded delivery so i will wait now and see what happens. this is still being investigated by the financial ombudsman should i send them copies of the letters that i have recieved and sent via the DCA ? so that they have a record of them they know that it has been sent to a DCA but they do not have any of the paperwork (i think). ticktock, ticktock, ticktock, how long will it take. thanks all J

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

hi all, the name of the DCA is 1st credit has anyone else had dealing's with these?

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 that walk the face of the earth and that something must have happened to them for them to have to behave in this manner but saying that i have been through some very tough times and i am not like them so who knows? again thanks for all of everyones help, support and advice hopefully we will be abl to get this matter sorted and i will not have to worry as much. one thing i cant work out is why abbey passed the account over to the DCA when it was already in dispute can they legally do this? speak to you all again soon and thank you J

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 ;)