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BelstarBomb

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About BelstarBomb

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  1. Hi Lizzie, I no longer live in the UK so don't know how the consumer credit laws may or may not have changed. My initial response would be to let it run. My only concern is that in calling them, you have now confirmed your address which may allow them to apply a DN etc. I personally, would not have responded. If they continue to chase you, if you hadn't claimed your PPI back, I would tell them that as the owners of the debt you will be claiming the PPI back from from them unless they discontinue their action and confirm that no detrimental information will be posted ag
  2. Hi Brig, Would you like to add an email to my work email saying they will visit me even though I have not responded, a recorded message on my work voicemail and then a recorded message on my home number at 5.30pm this Sunday evening to your list of complaints? The message at home was not even a real person - it went straight to the recorded message! Bel
  3. I know Renegadeimp, it's just that I was stunned to received such an obviously defective one after all the years that they have been beaten up by us the consumer because of them. It's laughable, but imagine if someone who didn't know what I do or have the support of the CAG received this and it tipped them over the edge....
  4. Hi DX, It's a credit card debt. I'm not disputing it just waiting for funds to be paid to me before I can clear the arrears and pay part of it down which will be on 25th October. It's just that I was looking at it thinking this isn't right and so it isn't! Any subtle suggestions about telling them they're wrong and will have to be patient until 25th? Thanks, bel
  5. It also referes to 'if the payment required is not received before the date shown' and there is no date!!!
  6. Totally stunned to receive a default notice from cahoot, not that I wasn't expecting but because of how it is laid out. Letter is dated 8.10.13 and states that it is DN served under Section 87 (1) of the CCA 1974. It then says Dated: 8.10.13 which I assume is the date of service and gives the arrears amount and the breach which is the failure to pay the overdue amount. It then states I have to make payment of the overdue amount within 14 days of the date of this notice! The letter has just arrived today. Am I going loopy but the date sent and date of service in theory
  7. Hi, I overheard a conversation today that I couldn't help but get involved in. The upshot was that a mum had got behind on her council tax and there was a liability order. She sent an email to the council copying in Rossendales who had visited her putting forward an offer of payment. Rossendales responded - the council didn't - but she did not respond to Rossendales. She has an outstanding complaint with them levying a fee on a car that had finance on it to which they had never responded and had refused to deal with them until they did. Rossendales turned up on her doorstep
  8. I know, I know Silverfox. I think I was angry and frustrated with myself to be honest. I had gotten myself confused thinking that they had sold this on but it turned out that they hadn't. I think as I had also thrown the PPI at them during the court case, they probably had an idea that this might be coming hence the reason it has been sat with Restons for 3 and half years! I reminded myself this morning that my ultimate goal is to have every priority debt paid off - this one just wasn't on my priority list, but at least it's a debt paid down. I have pointed out to them howe
  9. No it's not, but that's Rossendales for you! Still get this all in writing though just in case there's a time lag........
  10. Hi, call the council and get them to call Rossendales off. From personal experience I know that Rossendales can add fees for attendances that didn't happen etc. If your payments were being posted to the correct account, Rossendales would not have attended your property, so it is up to the council to put them straight. If the council and Rossendales cannot communicate effectively, that is not your fault. They cannot take your goods as they have not entered your property to see what they can legally take. As there are no arrears, they have no legal right to enter your p
  11. An OC attempted to take me to court 3 or so years ago over a credit card debt. They had sent 3 defective default notices (date issues), the DN's themselves included mis-sold PPI. It went to court with the judge awarding me costs and giving the OC 40 days to cough up the legal agreement. 4 months later it finally turned up, reconstituted without the T&C's within the signature box and I wrote to the OC and the court quoting Res Judicata. The court stated my letter should rest on file and heard nothing from the solictors/OC in over 3 years. Recently got a letter from the OC saying t
  12. Hi Andy, I have already entered my WS which has been accepted as my defence. The OC have been given the opportunity to supply another WS which should attach the Notice of Default Sums. They have sent one to me showing the balloon payment of the car and nothing else and I'm assuming that is what they will be supplying with the WS to the court however the letter did not state that 'this is our ws etc'. They've been given until 17th September to supply their WS so we'll see then Bel
  13. Hi Guys Just a quick one In writing to them and telling them where they messed up, does that give me a basis with which to argue the affirmation angle? Secondly, they or their solicitor was wrong about the fees. He advised that they have the right to charge the default fees rate of £25 if I had missed two, however they charged the default fees right off the bat. This would and does affect both DN and TN's that were issued. Can they then simply correct these 'errors' and start the whole ball rolling again? Cheers, Bel
  14. Hi Andy, I had informed them in writing of my intentions many times which is part of the reason I believe they applied a refund to the account 3 months before it actually took place. Bel
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