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Everything posted by minnimes

  1. so ive had a reply. they maintain that it is an agreement, what do i do now? this is what the email says. Thank you for your recent correspondence. Your comments have been noted and we can confirm that the documentation we have previously sent to you is sufficient. This matter has previously been investigated and you have been informed of the response. We can no longer freeze your account and intend to pursue the balance with immediate effect. As such we cannot hold any phone calls or letters with regard to this account and ultimately this account could be pa
  2. hi slick, been ages but fortunatly ive had no need to come here, its Lowell. the document is also on post #123, i read my thred and saw id already been sent it once. do i just tell them the account is still indispute and ask them to send me a propper agreement? thanks for the reply
  3. btw its just the same as the one they sent me further up.
  4. barclays have sold the account to a dc and theyve sent me this claiming it to be a valid agreement, it has my signature on it but the agreement doesnt look right,could someone look at it and tell me where i go from here? i thought id heard the last of them as its been over a year.
  5. i have lost, i knew it, i have no idea what to do now, i physically can not work, i spend up to 4 days a week confined to bed which i told them, i take morphine daily. who will employ me? they didnt even put me on the work thing so i could get help. just told to claim jsa but told by jsa i cant because i cant work. so its catch 22. how does it work for the next stage of appeal? i was not fully informed of what was expected from me at the tribunal and i was only asked to send in further info 2 weeks before the tribunal, my gp was away on leave and i couldnt get any thing from him, i have a care
  6. thank you, i felt sick going in, i answered everything they asked me and i know that i cant work but im still so worried. the clerk said that we would be asked to wait outside and then go back in but they just told us to go. i will take it further though as i have no other option. x
  7. i had my tribunal yesterday, i will admit i was unprepaired. i had no idea what i was doing and was expecting them to write to me to ask for information before. i had just 2 weeks from the letter til the tribunal. i took my carer and my grandmother with me. it took 45 mins and i ended up crying. i have had my condition since i was 11 years old and have been told i will not improve. i ended up crying like a moron when the dr asked me why i had children when i have a disabiltiy, i said because i always wanted children and i didnt feel that my right to be a parent should be taken from me because
  8. thanks for the reply slick, we have 14 days from the date on it which is the 16th so the 30th. He doesnt have all the statements. He's been to see a solicitor today and they basically said that because the debt is over 3 years old he cant contest it and they will put a charge on our home with a view to forcing us to sell it!! im so angry, how is it fair that an unsecured loan can be made secure? I need to do something with this court paper could someone talk me through how to fill it out?
  9. http://www.consumeractiongroup.co.uk/forum/showthread.php?168577-lloyds-blackhorse-ppi the cca is on this thread, post 18. He did get a default notice. He got a letter saying the account was no the dca debt. They carried on putting the payments down as default/missed even though he was on a repayment plan and never missed it. currently the paper work they sent us is a claim form, it says he defaulted on the agreement and then failed to pay off the loan, its then asking that we fill out an acknowledgment of service. I 100% sure this will count as irresponsible lending, he was off
  10. im sure it must come under irresponsible lending, they gave him a 10k loan that consolodated his loan and lent him more money all the time being fully aware of the circumstances, they have been aggressive and uphlepful and they lent money knowing he couldnt pay it back. ive just been reading the oft guidlines and it seems to fit an awful lot of them, im just not sure where i go from here. what do i do with the court papers? also can they make an unsercured loan sercured? which is what they have been saying, they have said they intend to put the loan on our house. my hubby still can not pay the
  11. We got some papers sent to us this morning re court action. im not sure how to respond. they are offical from the count court, its headed as a claim form. can i use irresponsible lending as a defence? Im at a loss as to what to do, my hubby is on the edge of being sectioned again, he has bipolar and chronic depression, i need your help.
  12. ok really need some help now, the ppi was soredt and taken off the balance of the loan a while back, since then dh has been paying a reduced amount that was suggested by the cccs, they accepted the payments but now they are wanting more money, we dont have it to give as my husband is not working due to an accident and spinal injury. he has continued to make the payments which they keep saying they dont want. we still owe a large amount on the loan. hes just had a letter today from a solicitor saying they are taking him to court in Northampton which is at the
  13. ive told him not to speak to them on the phone but he has no other way to pay them right now, will work on that and try get him set up with some other way to pay, ive fought other things and won so now i need to help him with this. he borrowed the money when he was first off work to live on and pay his other debts, they were well aware of this and sold him ppi stating that he could claim on it if he didnt go back to work, that did not happen and i claimed back the ppi but it seems it was eaten up by charges. im also going to ask for a copy of his cca seeing as he signed for
  14. ok i need some advice, my husband took out a loan with lloyds over 5 years ago. at the time he had just had an accident at work and took the loan to live on, he informed lloyds of this and said that due to the nature of his accident and spinal injury he may not ever go back to work. he is currently still off. they put ppi on the loan which we have since claimed back but they took the amount off the balance which included thousands in charges. he made an offer of payment based on an assessment by the cccs and has kept to these payments , lloyds still sold the loan
  15. so i should write to them? do i write to barclays or the dca or both? thought they'd been to quiet, its been 7 mnths since they last wrote to me. x
  16. yes they did me a set of t&C, i dont even think i still have it, so even though i contacted them before the law changed they can still chase me under the new law? i wasnt aware it had changed, the paper work they sent me when i asked for my agreement are on this page, where do i go from here? i dont know where i stand now if the law has change, ty
  17. Its been a while, need some advice, ive heard nothing from this account until 2 weeks ago, i got a letter from barclays saying the account is being passed on, then letters from lowell, the account as far as im concerned is still in dispute. they have never sent me the credit agreement i requested. ive not responded to any letters yet. i have delt with lowell in the past re this account and stated it is in dispute, do i carry on ignoring or do i respnd and remind them its in dispute? thanks in advance x
  18. just had a letter today, it says, we write further to recent communications regarding the above account. after reviewing the account we are prepared to take a cmmercial view in relation to this matter and as a gesture of goodwill and strictly without admission of liability, we are prepared to close the account and write-off any outstanding balance. the balance is set at zero on the letter. so thank you guys. especialy Slick, couldnt have done it with out you. xx
  19. ok so ive still heard nothing about this account or the other bc account, ive not tried to reclaim ppi, for one i dont know what im doing and another i dont want to draw attention to my self lol. its been mnths now and ive heard nothing. is it best to keep quiet or should i write to them?
  20. just to add they collected the car from him after a convo on the phone about returning the car. he was given a piece of paper saying the car had been collected. hes going to double check what he has from them but as far as he knows thats all he got. also he had paid well over half of the loan, the car was then sold.
  21. its not welcome, its something called gateway credit. got some more info. he handed the car back and was told that was that, he owed nothing. long storey short it recently came about that he had arrears on the account of around £700. he sent a cca request and they sent an agreement back. it has ppi added to it which he didnt know about. was wondering if i can send a letter saying he wants to claim it back and that this will be a full and final settlement against the arrears, which have now grown to almost £2000 after charges. any ideas?
  22. hi, ok, i will look into the ppi side, got to admit that it confuses me when is about credit cards. had a letter back from them saying the account is being investigated, they will contact me when they are done, the account is on hold until then and i dont need to do any thing.
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