Hi guys I have had the same phone in today to pay my Mortgage and GE money told me they have sold my Mortgage to Kensington now here is the question , I was never inform of this , does this mean now I am Mortgage free ? also what if , say Kensington default charges are different than GE Mortgage ? can I challenge this and be Mortgage free ? any input on this matter would be very much appreciated

Hi guys I have received this letter today from BWlegal in respond to my request forCCA , [Please see attach image file ] your prompt reply would very much beappreciated as I only have until 25 October 2013 before they kick me out of myhouse. So everyone is familiar with what has gone on with BWlegal ,I received a letter from BWlegal stating they are going to Send aBankruptcy petition to court to be issued. I respond back with three action sent a letter with One pound cheque to BWlegal asking them for CCAusing the template from here Sent a letter with one pound cheque to Lowell Portfolio and sent a letter with 5 pounds payment towards my debit to VanquisBank Limited. asking them to send me a paying in book so I can pay themevery month. the only respond I received was from bwlegal please see the imagefile Our Client: Lowell Portfolio 1 Ltd Balance Due: 2702.01 Original Creditor: Vanquis Bank Limited As you are aware , we representLowell Portfolio 1 Ltd You were served with the Satutory Demand by way of Personal service on 4October 2013 Please contact ################ ofthis office on 0113-357-0526 ext ##### as soon as possible to discuss this matter further so that a settlementarrangement can be reached. If we fail to receive a response from you by 25 October 2013 , we will senda Bankruptcy Petition to Court to be issued. If a Bankruptcy Petition is issue, a hearing date will be set and you willbe served with the Bankruptcy Petition . If you do not pay the Petition debt infull or we do not come to a settlement arrangement, we may seek a BankruptcyOrder against you at the hearing. If a Bankruptcy Order is made, a person know as an Offical Receiver will beappointed to manage your financial affairs. The Official Receiver will assessthe value of your assets including any property that you own, in order todecide how best to repay all of your debts not just those owed to our client.This action may incur costs that the Official Receiver can recover from yourbankruptcy estate. In order to avoid us submitting a Bankruptcy petition to the court pleasecontact us before 25 October 2013 to arrange a payment solution. HELP

I Couldn't agree more with your statement citizen , what gets me down is these company actually do get away with these threat , and the so call 'People Government' well they do not care about the poor. I am in debt not because I wanted to go in debt but was force to go this far. When families have to feed their young's one then people have little choice but to borrow money when state fails.

Guys thanks so much for your replies hopefully this should help others , this is what I received from them via email Dear Sir, I write in reference to the above matter and thank you for your email received on 4 October 2013. Unfortunately due to the Data Protection Act we are unable to discuss any information pertaining to the reference quoted without first completing Data Protection verification. We would therefore appreciate it if you could contact our offices on the below number in order to complete Data Protection verification enquiries which will allow us to correspond via email in future. Alternatively, please provide your contact details so that we may contact you. Kind Regards, so in respond to this I have send them a letter demanding CCA with a cheque amount of One pound

I have just sent this letter to BW Legal asking for the CCA , wish me all the best I acknowledge the receipt of your correspondence via email dated07/10/2013 from Bhadur Singh Sur. This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act1974. I require you to provide me with a true copy of the credit agreementrelating to the above account, together with any other documentation the Actrequires you to provide. I expect you to comply fully and properly with this request, within thestatutory time limit. You are reminded that should you fail to comply with myrequest, the provisions of s.77(6) will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 appliesin the case of a simple assignment, and places a duty upon you to pass thisrequest to the creditor. In the case of an absolute assignment, you are acreditor as defined by s.189. If you contend that you purchased the rights but notthe duties of any agreement, you are reminded that s.189 of the Act is clearthat an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From UnfairTrading Regulations 2008 (CPUTR). I enclose a cheque in the sum of £1.00, which is the statutory fee. Note thatthese funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you shouldconfirm this in writing at the earliest opportunity, and certainly within thestatutory time limit for compliance, and return the fee. We look forward to hearing from you. let me know your feed back

Hi All I have today received a correspondent from BWLegal stating theyare acting on behalf of Lowell Portfolio 1 ltd and that they will file aBankruptcy Petition against me in my local county court. Okay keep this tread to the point four years ago I was indebt by 1300 pounds Vanquis Visa credit card kept on leading me and I kept ongoing into debt to the point I owe them1500 pounds , when I was not able to pay any debt back they kept on applying double interest and service charge follow by admin charge. So theamount is in dispute to this point Vanquis pass my details on toLowell Portfolio 1 ltd who pass myinformation on to Red debt collectors who for some reason pass the information on to third party and now I gotBWlegal acting on behalf of Lowell Portfolio 1ltd I have sent a emailtoday to BWlegal today please have a look at the end of thistread . I am worried about losing my house , bank and the little money I have left , I have fourkids to feed and this type of letters throw you in the dark end. What can I do? please help this email was sent today : You havecontacted me regarding the account with the above reference number, which youclaim is owed by myself. I would point out that I have no knowledge of any such debt being owed toLowell Portfolio 1 Ltd I am familiar with the Office of Fair Trading Debt Collection Guidance whichstates that it unfair to send demands for payment to an individual when it isuncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair topursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried ordisputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled orare disputed and continuing to make unjustified demands for payment amounts tophysical/psychological harassment. I would ask that no further contact be made concerning the above account unlessyou can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the tradingstandards department and consider informing the OFT of your actions. I look forward to your reply. Yours faithfully

thanks guys for all the feed back I brought this from the 3 Store in a different town , The 3 store that I went to state that I have to keep the contract and that there is no cooling off period, but they are willing to swap the phone for another like to like , I fused and stated that I want a Sony Erricsion phone , the sale's man refused and stated that I had to either accept his offer or go back to the store where I brought the phone from. in the end I felt why should I continue on with the contract with that type of attitudes:|

You are correct that is the cooling off period but , because its the financial melt down period , they are trying to fob me off by saying that I can't cancel the agreement. I have already cancel my direct debt and shall write a official complaint today

I have just spoke to Ofcom who have stated that I have to write a official complaint which they have 8 weeks to get back to me , however if I don't hear anything from them within the first 2 weeks I need to log a case with Oftel I wish I never took up a contract with three and please people don't buy the N97 its full of crap and I am big crap

Four days ago I brought Nokia N97 on Three network , at the time it seem to be a bargain but guys after two days of using the handset , it freeze , it cashes , it doesn't even dial a number anymore. So I go back to 3 store a different one as I brought my handset from a different town so it made sense to go to the nearest 3 store. guess what they won't cancel my contract stating its in my T&C I stated that the handset is unfit for its puposes. and I am fed of it. they just won't have it back , is there anything I can do , I feel like taking them to court? via small courts claim.

Hi there Has anyone had a chance to look at this agreement so that I may be a close to this final chapter? please do help me. LloydsTSB are still charging me interest as well as Cti

Well that was easy in iMac enclose are all the documents that Citi have sent me Citi-agreementpics.zip

Hi guys sorry for the late reply , this was due to my ill health and over work trying to meet ends . just really had enough of all this. Citi Cards are still charging me interest and have been doing so since I have started this post as per request by the users i have now scan all my agreements that Citi have sent to me. as far as I can tell I haven't received a sign copy as of yet. and need to know if I can get them to wirte this off. there are more files to upload i need to way a way of unzipping them in iMac , should have this done by today

sorry guys for the late reply , I am going to post two images of this agreement and I hope you can help me from there bare with me please.

guys i just received today a letter from Citi and I am not sure if its a enforcement agreement or not this is what they say Further to your recent request for a copy of your credit card agreement for XXXXXXXXX we enclose a true copy of your agreement with CitiFinancial Europe Plc. The true copy provided includes; 1. A copy of the original terms and conditions of your agreement, including the original interest rates, applicable at the time of your application. This copy agreement does not included the signature box , signature or date of signature as in accordance with the Regulation 3(2)b(ii) of Consumer Credit ( Cancellation Notices and Copies of Documents) Regulations 1983; we are not required to provide them. 2. Your current terms and conditions. Please note: the earliest dated agreement will be your original copy ; the later dated will be your current copy. The dates at the top of the agreements relates to the date that the terms within the agreement were varied from and may therefore be an earlier date than the date on which the account was opened. 3. your outstanding account balance as of the date of this letter is £ 3,670.79 Your account is in arrears please refer to sections 2 and 3 of the current terms and conditons which confirms when payments fall due to be paid under the agreement and the basis for calculating the amount of the payment due. This completes your obligations under the Consumer Credit Act 1974 including related regulations and satisfy your section 78 request. I have double check and there is no sign copy enclose , what further 6 months ago i have requested this information and they continue on charging me interest and bank charge one after another. is there anything I can do please , please assist me. I am at the breaking point here.

Guy's I am struggling with the basic words here to start off can anyone give me any ideas of how should I approach this

Many thanks Mr ton , I shall write one and post it here if you or anyone else can add the ilegal pits in then we shall have a generic template ready for others to use too. many thanks keep a eye on this tread as I shall post it here within the next day or two.

Hi guys are there any templates for the above tread , cheers regards Waheed

Okay guy's I am now in postion to write to Apex and ask for a full refund of money and interest / stress that i had to bare , are there any templates for this step , I had a look at the above two links and nothing seem to fit my bill any ideas regards

O my god someone please help me I just received a letter today from Aplex Credit Managment This is what they states Dear Myname of course Client Lloyds TSB Outstanding Balance £16K Concerning your letter dated 31st May 2009 the contents of which have been noted. We have closed the above account and returned it back to our clients to continue investigating your dispute. Please ensure all future contract is made direct to Lloyds TSB to the address below. UKRB Credit and Fraud Operations The Drove Way Hove East Sussex BN3 7AU Yours Sincerely Collection Manager Okay guys I am happy and shock , happy i don’t have to deal with Aplex but why am I having to deal with the god dam fraud operation when I haven’t done any fraud. Guys what do I do now can I get all my money back from Aplex that I paid so hardly month by month Often cutting on food just to meet their dead line ?? How can i get this to be wrriten off , what are the next steps Please , please remember with out you guys advicing me , I would have not in a million years got this far so a big thank you , for once my kids can have some extra food on the table , it really means a lot by not paying 15 pounds a month to them.

thanks for that feed back , i am going to write the letters tomorrow and shall get office of fair trading involved

Hi Andy , i am very serious , I have 4 kids and a mortage that I really can't afford , sitting down and working out every week of how many pennies are left is all i can do. LloydsTSB mastercard they have charge me for late payment interest on 40 occassion now I work out that they owe me just in these false charges over well over 600 pounds I have already file a dispute on the account today , so lets see what shall happen.

hi guys again , its me , I have had no reply from both Citi or Mastercard and non have sent me a copy of any term and condition where do i go from here also they haven't stop charging me interest regards

Hi guys its now been well over 3 weeks and all I am getting from Apex Credit Management Ltd is letters stating to pay or face court action and its my final opportunity to sort this out , hence the same letter has been sent for the forth time. I have already sent the Failiure to provide a copy of the agreement within the prescribed timescale. letter and am resending the second one today what shall I do now they still haven't reply back to me about this letter.,

Many thanks for that I shall copy this letter and amend it as required shall be in post on Monday and will keep you all updated.