It's has been and gone now folks! He paid for it himself, he had just enough to cover his last journey! Thanks for the replies! RI

Cheers Stigman!

Stigman, thanks but that template seems to be for a Subject Access Request! I realise that you probably need to find out what charges have been implemented but is there a template for actually claiming? RI

Hi All, If a Credit Card debt has been passed around differerent lowlife debt collectors can the unfair charges still be claimed back? If so, who do you claim against? Is it the Original Creditor or the lowlife debt collector that now holds the debt? Does this just apply to credit cards or can unfair charges be claimed back against catalogue companies and mail order shopping companies? Thanks, RI

He was on state benefits as far as I know, I haven't the first idea of where he was banking or collecting these benefits as he was estranged from me for quite a long time. RI

Hello, My father is terminally ill and I have been told by the hospital that he isn't going to last much longer. He is undergoing Palliative care and is so 'out of it' he is unable to say what he would like and I do not think he has a will or insurance. I am so upset by the fact that I cannot afford his funeral that it is overshadowing my whole life at the moment. I'm in debt to my eyeballs and have trouble making ends meet let alone paying the £3,500 that a small funeral is going to cost. My father lives in EIRE and I live in N. Ireland. Does anyone know if there is any assistance that I could get with this? My dad was a soldier so I think the Royal British Legion may help me but I am worried in case his location might prevent this. At my wits end! RI (Apologies if I posted this in the wrong section)

Hi skyblue2027, You might find some useful info here:- http://www.consumeractiongroup.co.uk/forum/showthread.php?302694-Electronic-Signature-for-Online-Applications A few of us have had the same 'Digital Signature Application' rubbish returned to us upon request of a CCA. RI

I'm too 'long in the tooth' and 'thick skinned' to let a comment from a troll bother me and his opinion is irrelevant. Although, I cannot fully understand from my above post, why he has launched such a scathing and hurtful personal attack on me? I think Brig makes it quite clear that he makes 'debt avoidance' his own personal hobby or maybe he put his other '11 successful mediations' down to other circumstances, I'd dearly love to know how he actually separates the 'can't pays' from the 'won't pays'. Perhaps there is a formula? The fact that he 'thinks' that he can judge me and my motives means that he has been reading and re-reading all of my previous posts which I sincerely find really quite disturbing. Maybe some reading of his own previous posts will reveal his motives. As I recall, I had a small disagreement of sorts with him on another thread which I think has prompted him into this insulting and quite uncalled for flaming. I find it ludicrous that he can accuse me of debt avoidance when he actually 'claims' to help others in identical situations such as the one that we are in, how are my wife and I so different? I can assure you we are not trying to avoid being in debt, we are just sick of it all and want to end it as it is consuming our very existance. I personally think that it was purely a deliberate personal and offensive attack on me or else he would not of written 'MODS I am your hands' after his rant. Particularly offensive and disturbing is the way he says, 'as much as I hate to state this OK they cannot afford to pay the debts'. What on earth is that about and why should he 'hate to state' anything and what does he refer to when he sees 'the background unfold'? Are you a detective or something? A ridiculous and transparent personal attack, shame on you Brig! In conclusion, YES BRIG, YOU WERE ABSOLUTELY SPOT ON, I AM AVOIDING PAYING THESE DEBTS! I HAVE NO MONEY AND CANNOT AFFORD TO! Perhaps if you were actually in the same position as my wife and I are in then you would avoid paying your debts as well. I will quite happily continue to avoid paying debts for as long as I am in this position. (To the 'helpful' others, I've looked at the links but from what I read a DRO only applies in England or Wales and not in Northern Ireland, thanks for the advice!)

Hi All, I have 2 Credit Card debts (£1,600 & £2,400) that are in dispute because of unfulfilled CCA requests and my wife has got 2 Credit Card debts (£1,700 and £1,600) and considerably more 'smaller' catalog type debts (approx £7,000 worth) all with various pond **** DCA's who are hounding us to the brink of insanity. Strangely, Lowell's seem to be getting most of them, maybe they think they can get blood out of a stone? There is NOT one CCA for any of them that could be considered 'enforcable'. Due to the recent changes and the dodgy area of claiming unenforcability etc. we have discussed it and because we have lost any assets that we once had, bankruptcy seems 'unbelieveably' to be a damn good way of wiping the slate clean, getting our life back and these parasites off our backs once and for all. We cannot afford to pay for this ourselves or we would do it tomorrow so we are hoping that Lowell's will issue us an SD. Could anyone please advise us on how we could 'goad' the DCA's into bankrupting us before we end up in County Court or is this at all possible? At the moment Lowell's seems to be launching the hardest offensive on 2 of our Credit Card debts. Basically, how can we avoid County Court (for her smaller debts) and get them to bankrupt us asap? RI

I reckon sometimes they just 'stick on' a load of charges 'trying their luck' in the hope that some mug will pay them. What absolute parasites! Tell 'em to 'get bent'! RI

Give them the rope........

Just the usual DCA 'pish and wind', I'd totally ignore them! Your obvious worry and anxiety is exactly the desired type of reaction that a DCA prays for when they issue their threats of 'this or that' happening to you. They are banking on the recipient being frightened and concerned by this kind of communication. It is the way that they make money by fleecing the unweary! They are rubbing their hands in anticipation of people being scared of their threats and paying them money they cannot afford, I've been there and I know how worried you will be. You will ring them up begging to pay them to stop being made bankrupt, this is what they thrive on. Listen to the advice given here, relax and do not worry about it at all. They WILL NOT bankrupt you it is only a bluff to get you to pay them! Just ignore them!

No

Go for the kill!

Who is the DCA?

Who is the DCA?

LOL, Lowell's shouldn't even be called a company!

As you were advised previously, just ignore them and their threats! Don't offer them a single penny! Get on with your life and don't give Lowell's, Red or Hampton's another thought!

You will recieve a recontructed/fabricated 'digital signature application details' spreadsheet in the very near future if you have requested a CCA from these vermin. Please have a good read of this thread, it may well 'enlighten' you as to Lowell's recent manouvers recarding CCA requests for Vanquis agreements. http://www.consumeractiongroup.co.uk/forum/showthread.php?302694-Electronic-Signature-for-Online-Applications RI

The 'digital signature document' that was recently sent by Vanquis/Lowell's etc. isn't a valid document, it's simply a turd that is made up to 'look' like a valid document. It contains all sorts of errors and factual mistakes that are supposed to come from data submitted by the induvidual when applying for credit, therein lies the problem. IF the iduvidual DID apply for credit then the company should have these information EXACTLY as it was submitted and approved NOT by guessing, approximation or a rough estimation. These documents MUST be legitimate and reconstucted from accurate records for the account they represent NOT made up of info taken from other sources, that would constitute FRAUD in my humble opinion. The problem with dates are that in order to disprove an 'incorrect' date you must have proof of the 'correct' date, this in itself is an admission of liability and so not really worth the hassle. The best way to play this out in my opinion is to take them right to the wire, let them do all the work, get it into court, whatever the outcome the result is not going to place us in any worse position. RI

Sorry dx100uk, what is 'BK'? RI

As far as my wife and I are concerned it doesn't really matter if they are enforcable or not anymore. We have decided that we would rather go bankrupt than pay Lowell's a single penny (shame). Lowell's treatment of us, their lies and harrassment and the fact that they 'deliberately' trashed out credit files has ensured this. I have about £4,000 outstanding on 2 credit cards and my wife has about £11,000 on catalogs, credit cards and store cards etc. Due to the recent 'uselessness' of CCA enforcability etc. this seems like a good move. I know £4,000 isn't a lot and if the OC's still held the accounts I guess I would pay them off but NOT for a DCA, NO WAY! They will not see any money from us, ever! It would be a weight lifted from our shoulders.

If you don't have anything that they can take off you, house and car etc. then I would deffo consider going down the bankruptcy route. The length of time before you are discharged has now decreased quite significantly and I think that it is only a year before your discharged, (awaiting correction from someone more knowledgable). In my opinion it is so stupid paying these debts off a pound here and a fiver there, they will go on forever and ever! A clean start with nothing hanging over your head! Going bankrupt now does not have the same stigma that it once had and can quite literally be life saving to some people! I wish I had of done this ages ago and saved myself loads of grief and wasted money. Having unpaid debt like this has ensured your credit rating is destroyed anyway, going bankrupt can not do any more harm.

IVA maybe?

My Vanquis went from Impact to Connaught to Belfast Collection Services to Lowell's, funny they way the 'grab a lemon' system works!