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About prelude2a

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  1. I wouldn't know how to start defending it really, aside from the fact that I am out of the country again, (I was only back for a visit). I'm not sure what legal grounds I would have (if any) - the original debt came from a combination of bank penalties and financial hardship. I offered token payments until I could afford to pay more but the bank refused them. I didn't consider they treated me "positively and sympathetically" - more like "pay us back now or else". I tried all the standard letters from the national debt advice people about offering what I could afford etc, but the bank would
  2. Ok, so I've had a letter back now as follows: "We write further to your letter of xxx 2014 etc We note you state to have been living abroad at the time that legal proceedings were issued against you and have requested the judgement be set aside. It is your responsibility to update any creditors with any change of address and as such, legal proceedings were issued correctly against you at your last known address. We will not be applying for the Judgement to be set aside. We now require your firm proposals towards this account and enclose a financial questionnaire to a
  3. Thanks all for your advice, and comments. I have sent the letter on with a signature half over my printed name. I await their response....
  4. I have an old lloyds overdraft debt that was in dispute due to charges etc from around 2008. Last I heard was in 2010 when I replied to a DCA stating the account was in dispute and to refer back to original creditor. In Nov 2011 I went abroad (and had heard nothing further by that point) and have been pretty much living abroad ever since apart from the odd visit back to the UK. I just went back to the UK in Feb 2014 and discovered a new DCA had taken over the account and had obtained a CCJ against me in my absence in Jan 2013. After a bit of research I have discovered that “
  5. Bump - Can anyone offer any advice please? I need to reply with something before they start taking money straight from my paycheck
  6. So... To resurrect this (ancient) thread.... Quick review: - DCA sends letter regarding debt - I ignore - DCA sends increasingly threatening letters - I ignore - DCA transfers to solicitors - I respond with a letter stating "account in dispute, please refer to original creditor, etc" All goes quiet for a bit, then rinse and repeat with new DCA. This looped a few times and eventually went quiet for a long time. During this time I went abroad and have been effectively living abroad for a couple of years. I'm visiting my folks at the moment back in UK and I re
  7. The story continues.... Yes - I S.A.R'd the OC way way back and recieved half a tree in response. I've now had a letter from Credit Security Ltd who tell me that I've diregarded numerous requests for settlement (no - really?) and that if they don't receive payment/repayment proposals by Friday 30th April that a claim "will be prepared for issue in " Interestingly they wrote to me a fortnight or so ago offering a reduced payment scheme of about 65% of the balance. Unfortunately the balance is still in dispute and besides I don't happen to have that sort of money to just conjure
  8. Sorry if this seems like a silly question, but how do I start a formal complaint with them? What am I complaining about other than what I've already said about them terminating my overdraft and account just because I couldn't pay them back fast enough? I'm guessing there isn't much point in going down the charges route now the OFT case has gone through? (There aren't any charges on the account anyway) Maybe I should just ignore them a while
  9. Hey After an acknowledgement letter from iQor telling me they have put my account on hold while they investigate the dispute I have now received another letter from them referring to the recent completion of the OFT test case. the two key paragraphs are as follows: "As you are aware the OFT test case has recently been completed and we would be grateful if you would let us know how this affects your dispute and your current position" "Please let us know if there are any specific transactions that are disputed or any questions that remain unanswered to enable us to review the ma
  10. - Does this still apply in light of the result of the test case? They've just sent me a final demand in which they say (I quote) We now DEMAND immediate payment of the sum £239.31 oooh, the DEMAND it do they? oh, well I'd better pay them then hadn't I?! Oh, hang on, I dont have the money to pay them.... They're also demanding I send them a financial staement - do they have any legal right? I thought only a court could do that? Does CCA ing them or SAR ing them still apply? I don't think there are any charges, but it could work as a delaying tactic. Or shall I jus
  11. Lol, thank you Palomino, I knew I'd spelt it wrong, but couldn't remember/be bothered to find out the right spelling. I was in a full flow rant at the time! Any comments on the letter itself? Anyone have any suggestions for improvements or cautions against anything I've written?
  12. Response from first direct 25th Nov 2009 (reproduced here in noteform) Dear xxx Thank you for letter of 17th Nov Sorry for the upset caused by management of your account. Overdrafts are designed for short term borrowing only, regular credit expected, blah blah blah, first wrote to you on 29th July, acknowledge receipt of funds on 6th Aug, but then none further. Further letters sent on 14th Sept, 12th Oct and 29th Oct. Regrettably on 7th Nov (as we were unable to contact you by phone (funny, I didn't get any missed calls...) have now suspended your banking facilit
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