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About govtepe1

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  1. thank you for your help , I am writing the letter today , how do I write to re claim these charges because I did not acnowledge the debt?
  2. can someone please help me to write a response. I also recaived the following letter day later. it was unsigned. this notice is being sent to you as required by the consumer credit act 1974 because default sums have been levied on this account. this notice does not take account of default sum which we have already told about in another default sum notice whether or not those sums remain un paid interest charged 28.820%total fee £24. I also recaived another letter stating no payment recaived. I wote to equifax to remove their details from my file , I also sent th
  3. This is what I recaived two days ago I am sorry that you have had to contact us about your monument account. Thank you for taking the time and trouble to do so. at monument we are dedicated to consumer satisfaction and when a customer has concern with our product or service, we strive to treat that concern with the ultmost seriousness. we wrote to you on 24 september 2008 and enclosed for the purposes of section 78 (1) of the consumer credit act 1974 (as amended) (the CCA) an executed copy of your agreement with us. we do not agree with you that the copy we provide does not c
  4. heard nothing from monument 1 week passed the dead line they still did not reply to me, have heard nothing from OFT either . Monument did not reply to equifax either . Any suggestions as to what to do next please ?
  5. yes I did write to Monument stating their credit agrement is unenforcable , I asked them to remove my details from their system and any credit referance agancys too , I said at the end of the lettter if I dont hear from them with in 21 days I asmue the account has being closed and my details removed, they have till tuesday to reply to me . do you think I have done the right thing ? what should I do if I dont hear from them after tuesday, they sent me a new bill few days ago.
  6. I wrote to officer of fair trading today and sent the letter I recaived from MONUMENT, I also wrote to EQUIFAX and sen them the letters too. will see what happens , I heard nothing from MONUMENT if they dont reply to me by tuesday it means they cleared the debt , this is because I wote on the letter that if I dont herar anything from them after 21 days I asume the matter to be closed.
  7. ok thank you yes they charged me 12 per month for the last 7 months.
  8. its been 10 days havent heard anything from them any anvice what to do next please
  9. another question should i stop the taking money out from my account ?
  10. thank you steven , I sent the letter today , I also aded at the end of the letter for them to remove details about me from their records , will see what happens .
  11. I recaived a letter today from Monument , I am writing the full letter can some one please help me to write a response Mnay tahnks I write further to your recent letter regarding your monument account. The agreement we have enclosed with this letter is a copy of your credit agreement which we are providing to you in accordence with our obligations under the requirements of section 78 (1) requres tha we provide you with a copy of your executed agreement. it is perhaps worth us explaining a little about the copy of the executed agreement section 78 (1) requires us to provide to yo
  12. no this is the second letter but this account was closed therefore I cannot do anything , their original agreement was unenforcable , I asked them to pay me compensation and havent heard anything from them. I give up now
  13. havent recaived no letter from monument, they now in breach . I sent a new letter today pointing out that their agreement is unenforcable . And that they should stop taking money from me and remove my details from their system . will stop paying them next month . they clearly have no leg to stand on and choosing to ignore my letters.
  14. its being 1 month havent heard anything regarding the letter I sent.
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