Hi Ploddertom I bought some ink cartrages and other staionary items from the company in question on a 30 day credit account in september 2011 sent a cheque at the end of october, about the same time i was contacted by the companys debt coolector saying i hadnt payed and that if i didnt pay imideatly they would take action, as i thought i had payed i took no notice, i recived more calls from this debt collection company and after telling them that they were harrasing me looked them up and found that the debt collectors consumer licences had expired so reported the to trading standards. in november my sister had a major stroke and i spent 6 weeks travling every day to london, in the meen time i heard no more from either the company or thier debt collector, in January they started telephoning me to see if i needed any more ink cartragies i said no and they have been phoneing ever since the last call was two weeks ago. I have had no contact from thier accounts department in the form of a statment or telephone collection call or any other debt collector and no notice from them or the courts about pending court action

Hi Brigadire2jcs No they just got a standard court order.

Hi Ploddertom I did know about the origanal amount but i had not heard anything from them since sept 2011. after i sent a cheque to them. the only other contact before this judgment was a fake debt collector and them asking me to buy more goods on credit up to and including last week

Hi Every one. Can anybody tell me how soon after a county court judgement can a warrent of exiction be issued as i have just had a call from oxford county court saying the baliff will call this week to enforece a warrent take out the same day as the judgement

Hi ell-enn sorry for not replying i have been very busy with family issuse my younger sister had a storke in november and we are still sorting out the issues with her as she has also been diagnosed with cancer, yes i have been paying on time since 2009, the mortgage company are saying that they can hold the suspended possession order over me for twelve years and that any time i am late they will use the order. i also asked for all the late payment fees they have charged since the mortgage began and i received a letter stating that under the terms and conditions they can charge these charges and there is nothing i can do about it so they will not pay anything back and if i dont like it tough.

HI everybody just an update on this post i have fallen into arrears with the mortgage this month and received a call from the mortgage company saying that the possesion order that thay got in 2009 dispite being paid is still enforceable and that they are going to seek the house

the hardship ground i my case were that one of my perants had died and because of this my business suffered and the i am now having trouble paying my everyday bills, the bank have sent my account to debt collection i have reported the to the banking ombmadman

Hi Everyone just an update on this, I recived a letter from Lowell finacial today it talks about the debt remaining unpaid and that they have answered my query about the debt and have proven that i owe it and that they will now access my credit file and use the information to determin wether i am working have a morgage and wether they will use a door step collection agent or take me to court as i pointed out from the start i dont recognise the debt and that form 5 years all three have asked for is 156.87 which makes up 4 months line rental includin 3 after disconection and the 577.85 was not added till some time last year when lowell started to chase for the alleged debt, What iwould like to know is what gives them the right to access my credit file and how after all this time could they use a clause in a contract that would have been up 3 years ago to add an early terminaion fee and can i fight the contract on the ground of unfair ness

Hi i approcehed the bank about returning charges on hardship grouds they as a curtasy returned £500.00 out of £3000 and left overdraft in place i used the overdraft then got a letter saying i was abusing my account, and that i had no overdraft because htey say as part of the goodwill they cancelled the payment plan i had had in place and took the overdraft ten days later without warning claiming i never had an overdraft facility in place they are now demanding the money back plus charges at £6 a day since january, i have had a letter back from thier higher investigation team basicaly saying tough we wone the court case so there. i have put a complaint in to the banking obmandman but the bank are dening that they have been contacted by them even though another deptment has acnolaged they the ombmadmen are now involved, today i have had a call saying that i have ignored a default notice from the bank that i havent had and that if i dont clear the overdraft tomorrow i will be show as in fulll defult and sent to a collection agency, what i want to now is without affecting the ombadmen case can i start a harrasment case against the bank. also could i sue the bank for slander as they say i have been abusing my cards and cheque book by using them.:mad2:

I Recived a county court form through the post from somebody i paid they say that they recived the chque the day after filing there claim, i have now got a letterfrom thier solicitors telling me that the court fees and solicitor fees must be paid in the next 7 days or they will proceed to court for the charges.

Back in january i got a partial repaymrnt of charges on hardship grounds the bnk left overdraft in place for ten days then took it overnught no warning. They then asked for the money back in a text message i recived a letter a few days later demanding my overdraft, i contacted them and told them that the partial refund wasn't enough and that taking the over draft away after the lenght of time instead of straight away was thier error not mine, two days after talking to me they sent me a letter telling me to take my cheque book and bank card in on the ground that i was abusing them or they would send somebody round to collect them and charge me £170 to do it. What i would like to know based on the letter about missuse of card can i sue for liable:-x

Hi Cartaphilus I have removed the refrence,

Hiu Cartaphilus The first invoice from 3 is dated 26/04/06 last one 07/10/06 the time lencth was 24 months

Hi Sillygirl1 How do i rename this post

Hi sillygirl1

Hi the letter is from Lowell Portfolio it says Assignment of debt We are Lowell Portfolio 1 Ltd, a specialist debt purchasing company and 3G mobile sold the debt arising from you account , Refrence number ********* to us on the 25/08/2010. This mean we are now the legal owner of your debt, soi the oyutstanding balance of £734.72 is now due to us. Why your outstanding balance id due: 3g Mobile sent you a final bill with a breakdown of your balance which is made up of: outstanding call charges/linerental £156.87 Early Termination Fee £577.85 Your Statment is attached the statment attached is a summery of the outstanding balance which was provided by 3G Mobile. it displays the invoice which remain unpaid and how the outstanding balance is made up including any early termination fee, which is the chrge added to your account if the contract was cancelled prior to the agreed end date. this charge was detailed in the terns and conditions when you signed up to the contract. it go's on to say how to clear the balance the statment shows the lastbill to be dated 07 oct 2006 but they disconected the line in june 06. the early termination fee do's not have a date and privoius collection agencys have never metioned this fee or tryed to collect it on behalf of 3. i wouldalso like to point out that the origanal agrement was done by phone thought an agency so no singed agrement

Hi Everyone I recently received a letter from 3 mobile telling me they were passing an alledged debt on to lowell the letter i got from lowell says that they now own the debt and that it is now £787 instead of the £160 that 3 were after this go's back to 2006 and i have always disputed the amount on the grounds that they cut the phone off and then carried on charging line rental for the next two months, This £160 has been through various collection companys in the last few years but never have they asked for more than £160. The letter from lowell now includes a breakdown of my account and they have added after 4 years an early termination fee of over £500 pound i have told lowell that this is not allowed after 4 years and they say they can add the fee any time they like, Can somebody please let me know where i stand

Hi During the bank charges feasco i had an unotherised overdraft with nationwide with was all charges while the test case went throught i told the nationwide that i did not recognise the carges and that they could put them were the sun dos not shine, they went away untill about two months ago when a collection agency started sending me letters saying that they wanted the fuul amount of charges, i told them that i don't recognise the debt and that i will not pay for thier charges, this week i recived a letter from DWF Solisitors asking me to contact ccs with a payment plan or face court, I rang ccs and told them that nationwide had not offered enough back to me as this amount that they are chasing me for is charges and they said this was not an offer of payment but a demand for the charges i told them i knew that but they would not get it back they told me that a court case would be prepard and hung up on m, how do i go about defending my self using section 5. i also pointed out to them that i did not belive that the freezing of my rights durin g the test case had made it fair as they were still aloud to make any charges they liked

hi locutus I have spoken to the origanal supplier (Staples) they are willing to replace the drive but nobody is willing to recover the data as the drive do's not read due to the fault with the drive all partys involed say that they are not responsible for any data stored

hi locutus

I have been trying to find out what to do now about bank charges, as since the test case my bank (RBS) has been hitting me at every opertunity it can and have charged me around £3000 in the last two years:-x

i spoke to Iomega/Seagate today about data recovery the price they quoted was £300. This price is also determined on what is wrong with the drive

I have an iomega 500gb hard drive that has turned into a good impression of a brick, The drive inside is a Seagate Barracuda 7200.10 that has know issues, I have tryed to contact iomega but because my drive is out of warenty accourding to them i have to pay a fee of £20 just to talk to them, after looking on seagates web site i found out that they have know of a fualt with these drives for years and neither seagate or iomega want to no or help with data recovery (Unless they charge me for it) an ideas:x

To Ell-enn Thanks for all your help Belgarion22

To Ell-enn Thanks for all your help Belgarion22