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silverfox1961

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Everything posted by silverfox1961

  1. Glad to help. The issue with the magistrates court. As far as I'm aware (although someone may come along and prove me wrong:rolleyes:) you have been issued with a summons to attend the magistrates court. I do think you have to attend but you are entitled to represent yourself and to plead not guilty if you wish (you will) the magistrate will help and the case should be adjourned for you to assemble your defence. as it's a criminal offence you are answering to, unless you are rich, you are entitled to free legal advice. If you explain that to the magistrate, they may be able to help. Unless i
  2. Oh yes forgot to mention. the ombudsman got me £200 compensation:):) fox
  3. Hello. I had something similar with my council (overpayments) and it took me four years to get it sorted. In my case I wrote that while i didn't accept the debt was accurate i would make regular payments on the understanding that if the overpayment was not proved that i would be repaid. It might be worth formally complaining and escalate it to the chief executive of the housing department. There is a little known thing called retrospective housing benefit (but not all councils use it) where in the event of complaint the council will go back over the housing benefit claims to check whe
  4. Thanks for the info. I've downloaded the form but you're right when you say it looks like it's for "third party" users. I've kept it should i need to go down the debt advisors route (doubt it with all you guys) Should anyone post on my thread and i don't reply, it's because I'm not too well that day but i will reply eventually cheers fox
  5. Morning folks. Well i got the first reply from lowells in 3 months and it's the CCA acknowledgement with, from what I've been reading, the usual guff about contacting from OC to get info and their own get out clause about if they cant get it within 12 days that they'll let me know. My letter to them was sent on 16/10 and delivered 18/10. their letter was dated 21/10 and received today 25/10 so obviously TNT post don't follow the same procedures as Royal Mail. Just a quick point. If they got it Saturday 18/10, does the 12 days start from the monday 20/10 (Eg not including weekends
  6. You are not letting anyone down. It has always been your choice on whether to carry on and you have been awesome but you are considering your health (mental as well as physical) and i for one will support you. best of luck fox
  7. ReallyMadWoman, I have spent the entire afternoon reading the entire contents of this thread and apart from me having no life(?) I am amazed (NAY ASTONISHED) by your strength and your good old fashioned bloody mindedness against these people (loosely termed) I've only been here for a week and have read lots about DCA's and their underhand tactics and I selfishly hope that I dont end up with all the hassle you have been forced to go through. I'll read your Cabot thread as well ( you'll notice that as I'm a newbie I still tend to use their proper names. How long will that last:p) All
  8. Thanks for that ODC. I'll reprint the letter and get it posted tomorrow and I'll still pay them next Thursday just to be on the safe side Thanks again
  9. Forgot to mention, as I'm already paying, should I continue or stop paying them
  10. Hi again all, You've probably heard all this before but as I'm a newbie I find all this legal stuff confusing. I'm in the process of doing a CCA letter to Cabot and was wondering, as I've already acknowledged the debt whether i should reword the heading to read: I NO LONGER ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT In a previous post ODC said to send 2 CCA requests but I don't know if the debt is just for the credit card or both the card and the loan as I have no confirmation of this. Should i just send one for now? I also have no lette
  11. As far as I'm aware you cannot check if a postal order has been cashed online. The only way I know is to ring the number that you can get from the post office.
  12. What can I say. YOU DA MAN (WOMAN?) lol thanks odc. I knew i could rely on you
  13. Good morning to all and sundry. I've been looking through other threads and can't seem to find any others on this particular problem. 1996. Bought a very expensive vacuum cleaner and got finance from the associates. Lost my job so couldn't afford the payments. Asscociates refused lower payments so stopped paying. They accepted £10 per month. Associates bought out by Citi. 2001 i got a citicard. As explained in my other thread about lowells I had a massive breakdown and stopped paying my cards and debts before my wife and i split up and i moved out, staying here and there for about
  14. Hi all again. I have spent the last 6 (yes SIX) hours reading other peoples horror stories and besides having a square backside i notice that a lot of them had notice of assignments sent to them. One of the things i didn't mention in my first post is that i left my old address in 2003 and did a lot of moving around (2 months here, 3 months there) so consequently didn't receive any debt letters until i managed to stabilise my life and settle down last year. Would those NOA letters have been sent by recorded delivery and what would happen if I was not there to sign for them? If the NOA wa
  15. Oh how i wish i was as nutty as some of you (you know who you are:D) Think i might have dropped a booboo. I signed my letter before i read that some DCA's photocopy signatures. I'll just have to wait and see what comes out of the woodwork. By the way. Morning all! As i mentioned in my first post, I have another DCA on my case (Cabot). Would it be worth checking with them that they actually have the legal right to chase me? Also, it was mentioned that I complain to trading standards. Isn't it a bit too early for that? I know that the more ammunition TS have the stronger the case could be.
  16. hi again folks. Seems like I have started a bit of a hot potato on this. So long as you all accept that there are different opinions and that it's not personal then that's ok but please don't fall out on my account. ALEX. I read your story. true, it was long but well worth it in the end. I'm happy you got your problem sorted but did they pay up? I hope my case results in a satisfactory conclusion. I'm one of the old school where I accept responsibility for my actions but, when my depression sets in i cannot function well and i ignore things to my cost but I'm also belligerent and when comp
  17. Well I did it. I posted the letter as advised by ODC and sent it by recorded delivery and included the postal order. Let's see how long it takes them (if at all) to reply. I wish I knew of the rights I have before I replied to lowells. The stress would have been less that's for sure. I wouldn't be as grey as i am now:rolleyes: one thing though. does the fact i have been making payments to them mean that i accept i owe this money? Would that go against me if it got to court. Is it worth writing to the trading standards and the financial ombudsman yet or wait to see what comes from lowells?
  18. WOW! I only posted my thread a few minutes ago and what a response. I will follow all the advice and let you know how i get on. many thanks:)
  19. Hi all. I have a problem with Lowells and don't quite know what to do. A few years ago I suffered a massive depression and didn't pay my credit card bill with capital one and didn't reply to letters. Capital one sold my debt on and in 2007 Lowells contacted me and said that i owed them nearly a grand. I wrote back acknowledging that i did owe the money and offered them £5 a month (I'm now on benefits) . A letter came back dated 12 april 2007accepting my offer for six months but within 4 days of that letter another came (16/04/07) asking me to contact them. As i had an agreement sorted, I d
  20. Hi everyone. I'm a newbie to this sort of thing so I'll have a look around before i have a go at getting help. From what I've seen already this site is a great resource tool in dealing with unscrupulous businsesse.
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