hi debbbbsy i cant open the link can you paste it to your reply for me thanks

hi all long time no speak welll 2-3 years on lowells have sent a letter demanding payment this is after Apex still did not respond after 12+2 and all subsequent letters went unanswered looks like they sold it to lowells any ideas what i should do???

Hello all, well not heard anything from dca`s or barclaycard for some time now! is this normal and will they leave us alone now do i send cca if new dca contacts us ? your advice is much appreciated.

THANKS ODC ive not had any more calls or visits so like you said it could have been unrelated but the advice was re assuring many thanks.

hi rayne / odc not heard anthing for a while from barclaycard but had a strange thing happen today,somebody went to my partners parents house asking for her(she was,nt there) he said he would call back cus he has something for her, might be a bit paranoid about things, can dca or barclaycard cold call and serve any court proceedings against her ? bearing in mind we still have no valid cca just wondered what your thoughts are on this ? can they do this or is this a tactic used by the dca to pester her parents to get to her your thoughts /advice much appreciated thanks in advance

thanks ODC and Rayne i will sit back and wait and then send the same letters to the next dca, your help/advice is much appreciated

thanks odc just got a letter from apex they received my letter after 12+2 informing them they are in default and again requesting the cca, the letter reads as follows. further to your letter dated 23 december 08 the contents have been noted apex credit management are not the data holding branch and are therfore not obliged to supply the data you have requested, this information should be requested from our clients. as a gesture of good will i have contacted our clients to obtain the documentation, however our are clients are unable to supply the data in the time frame remaining. i have today closed your account with ourselves and returned your file back to barclaycard. please contact our client directly for a copy of your credit agreement. our clients address is detailed below: barclaycard barclaycard house po box 28 liverpool l32 8xn account number xxxxxxxxxxxxxxxx so what is my next move ? do i start the whole process again with barclay card. it seems they just keep passing it around to each other what should we do im a bit lost now !!!!! thanks all

please any body out there

what is CPUTR2008 IS THIS A NEW LEGISLATION ? thanks

thanks odc do you have a template letter or know of any one who has a template letter that i can use, thanks in advance.does anybody out there have any advice or templates to send to apex, ts, oft, or mp. thanks all happy new year

hi all well just got a letter from apex credit manangement solicitors letter goes as follows: "We have ben instructed by Apex Credit Management Ltd to write to you concerning your now seriously overdue account with them. Unless you contact our instructing agents Apex Credit Management Ltd on 0871 244 2818 quoting the above Apex reference number within the next 72 hours with a repayment proposal, we will advise our clients to issue a claim for recovery in the county court. You must note that in this event the sum for which they sue will include solicitors costs, court fees and interest which will add significantly to your debt. We have been specifically requested to point out that should our clients obtain judgement against you this may be registered at both the County Court Judgements Registry and the main the credit reference agencies. This could seriously affect your ability to obtain credit in the future for up to six years. Please note that we are instructed not to enter into correspondence with you on this account but to refer it back to Apex Credit Management Ltd, 11 Elm Court, Arden Street, Stratford-upon-Avon, Warwickshire, CV37 6PA." i have sent the original cca request on the 03/012/08 then after the 12+2 days was up i sent the account in dispute letter which was tracked and recieved on the 23/12/08. can the solicitors take us to court ? can they add more cost`s to the debt ? what should we do now?. thanks in advance

thanks mate they do my head in

i know my apoligies i was a bit frantic this morning and could`nt find where to put it my apoligies dca`s are hassling us very badly, i think they know im pretty clueless when it comes to rights

thankyou so much what happens next ?

should i send the letter above today as that is the 12+2 days up can they take property or attacment to earnings