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wanted99

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  1. They kept coming up with old 'contractual interest' argument and the court had twice agreed that they couldn't do anything about it and advised me to go the CAB. However I think this was a lie as Link were having to write to me every 6 months to advise me of interest, otherwise they couldn't charge me for the lapsed period and I'm sure they would not have included the sentence 'you can ask the court to reduce the amount of interest payable on the judgement debt' unless they absolutely had to. These companies are such underhand liars. If I'd tried for one minute to get out of paying what
  2. I have a ccj from Link Financial after they bought a debt of mine and they just would not negotiate on monthly payments out of court. And of course they were charging me nearly 27%. They then applied for a charging order - despite the fact that I had paid in full every month. The original court hearing for the CO was adjourned when it transpired that the court had not received my objections, even though they were sent by 'next day delivery signed for' and I argued that it was unfair that a judgement be made without my objections being considered. The judge was about to award the CO t
  3. You're a fab lot. Cheers. When I said 'I don't want to stop answering the phone', I meant that I have no way of knowing who's calling before I answer - therefore, I may be ignoring a phone call that I actually want to receive. Anyway - I'll send the harrassment letter. My DM company have been fab and really supportive, but they say that HSBC are notorious for this kind of behaviour and our best bet is simply to wait for the debt to be passed on to a DCA, who, amazingly, are much easier to deal with!!!!!! Just out of interest, has anyone refused to answer the security questions, or answe
  4. Can anyone tell me exactly where I stand with regard to dealing with calls from the HSBC credit card team? They phoned me yet again today to demand over £4k. I explained to them that my debt management company are dealing with this and I have signed the paperwork as such. The rep said that they flatly refused to deal with this 3rd party, would only speak to me, and then became really aggressive and rude. I ended up putting the phone down because Iwasn't sure how to deal with it. Can I refuse to speak with reps on the phone and are there any stock phrases I can use to deflect their agg
  5. Sorry, meant to add I have admitted the debt, completed the variation order, and am challenging the monthly payments agreed as a result of the variation order. Thanks
  6. I'm awaiting a date for a determination hearing at my local county court regarding the monthly payment of a recent ccj. Do any of you know if I need representation at this, or is it a fairly straightforward process? I have plenty of information regarding income, financial status etc, and all the paperwork re: my debt management plan. Will this be enough? Cheers
  7. Out of curiosity - if I cca my creditors and find that some of them don't have the correct paperwork, could I not simply write off my debt with them and use the extra DMP payments to pay off my other debts more quickly? Or is simply better to let sleeping dogs lie, as they've accepted my DMP offer?
  8. No DCAs as yet - and hopefully there won't be any more as everyone else has accepted DMP
  9. So should they have a copy that has been signed by me?
  10. You're a good bunch, thanks for that! Could you tell me - is a CCA some kind of document that I should have signed? I certainly don't ever remember being presented with one. Does the fact that I've had this card some years mean that it is less likely that I have one?
  11. Thankyou - very helpful. Has CCCS been very helpful to you? My DMP company took on EVERYTHING for me when I was really very poorly (mentally and physically). I would hate to drop my DMPC unless I really felt it was worth it (after all, all my other creditors have agreed to DMP!)
  12. I'm after some advice re: an HSBC credit card debt. I defaulted on payments about 4 months ago after signing up to a debt management plan. All my other creditors have accepted the plan and although HSBC have been receiving payments for the last 3 months, they phoned today to say that the payments are not enough and they refuse to accept a DMP from companies that charge a fee. I refuse to be blackmailed into changing my debt management company because they have been so incredibly helpful and supportive through a very difficult time. On the phone HSBC said that I had 30 days to pay in fu
  13. I've downloaded those forms and got them filled in - cheers for that!! The SD arrived after I'd missed the 1st payment of the CCJ - they started the ball rolling for the SD the very next day and I received it, delivered by hand, 9 days after payment was due. I genuinely wasn't trying to get out of paying, so I have since sent the first payment, along with a letter explaining its delay. I guess this could only stand me in good stead at any future hearings. Also, do any of you know - I've got a determination hearing coming up soon re: the monthly repayment amount of this CCJ. Do I
  14. Thanks for that. I know it's gonna be a long process!! I'm not disputing that we owe the money. Lots of stupidity and naivety on our part have contributed to this mess. So what I'm really needing to know is..... 1. Is the fact that we're waiting for a hearing at our local county court a good enough reason to have the SD set aside? 2. If so, exactly how do you go about getting an SD set aside?
  15. Oh as usual it all gets very confusing but here goes...... 1. My husband signed a business lease, but then backed out of it. His employers at the time said that they willing to help him out and took on all the paperwork regarding the people he had signed the lease with. But surprise surprise they did nothing and out of the blue we were landed with a CCJ for approx £14,000. (My hubby no longer works for these people!!!!!) 2. Sent a variation order which was accepted and payments were set at £66 a month, but we are severly in debt at the minute and are subject to a debt management
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