hi i took out a phone with vodafone in jan 2003, i thought i had paid all the money but last month Caboot yet me a letter saying i owned £849.50 so i sent them the letter statute barred and i have just got a loetter back, this is what it say Dear ................ We acknowledge that your accounjt is statute barred and so governed by the limitation act 1980. Under the OFT Guidelines it is accepted that legally the debt still exists but thatt collections of these debt must in no way be contray to section 40 (1) Of the Administration of justice Act 1970. Whilst we don't consider our Actions to have breached any law or regulatory guideline, your Account has been withdrawn from our regular collections process. I'm just wondering what does this mean is this last i will hear from them?

Hi yes it tells u were they were taken and when none of them were taken at the hospital they were all taken at calton tsb, or booze buster even the day after he died there was money taken from his account! We got some of his mail today and there was a letter off abbey Mr ........... my father in law name! AS outlined in the terms and conditions for your account, Your abbey card can only be used in conjunction with the pin we issue. To keep your account secure it's vital you don't tell anyone else what your pin is, or let them use your card. Unfortunately, after completing your transaction, you left the card in the ATM with the pin still active. We do take full responsibility for fraud that happens on our customers account, as long as we are satisfied taht the customers has not done anything to leave their account vulnerable. However we are not able to accept responsililty for money taht goes missing from account through the customer's negligence, for example sharing their PIN Number, or indeed leaving their card in a machince. We do appreciate that you did not deliberately leave your account vulnerable. However we cannot accept responsibility for the money that was taken. Money started to go out his account the day he was taken in to hospital. Is abbey takin the **** sending a letter to him even know they know he has died??

There was no one else that would have his cards he was on his own!

My husband is the next of kin!(He didnt leave a will and didnt have a house just a coucil flat) as far as we was told by his dad his cards were in his wallent! we have got a statment with what was taken and were and how much! but the bank has said as it was his card that was used with the right pin there is nothing they can do! we have told them he was in hospital even the day after he died there was money taken out!

My father in law was taken in to hospital on april 22nd 2009, with fungal pneumonia and chronic leukaemia, sadly he passed away on 16th june 2009, during his time in hospital, money had been taken out his account even on the day after he died, we didnt know this till we went to the abby bank and closed his account downs, and i noticed there should of been more money with him been in hospital for so long. So the women gave us a mini statment and told us to ring the police and the fraud line, which we did but when we did they said they was nothing they could do as the bank account was closed , so we left it for a few days and went back in to the branch and spoke to someone in there and they told us to speak to the fraud line, so we rang from the bank and they kept sayin we cant talk to you we need to talk to the account holder and we was like he died he died thats why im ringing you up! In the end someone from the branch decided to ring them and deal with it for us! and we was told it was getting sorted, well today we rang the bank to find out what was happening and they said that they had sent a letter out to my late father in law saying that they can't do anything because the card was used with the right pin! They don't seem to care at all, the women on the phone today was what do you want me to do the account is closed! they has got to be something thatt can be done? my father in law didn't have a girlfriend there was only my son so we not sure on who could of used his card! We have tried the police but they said they is nothing they can do unless the bank says it was frand! there was nealy £3000 taken out his out. and abby are not going to do anything! We are really stuck on what to do now! Its only been four weeks since my father in law died my husband is upset as it but to learn bank isn't going to do anything is just going to push him over now!

i my name is lisa and i'm really soory to ask but i can't seem to see were i'm to post this Here is my problem Me and my husband got a car with them inAug 2005 we was paying 219.30 a month to them! Wel in april 2007 we decided to hand the car back to them because we was sick of all the problem we have had with the car and we wanted a different car so we rang DAF and wrote to them and we was told we didnt own them penny after what the car got at acution, so we was fine by that untill 1st feb we got a letter off them, well shall i say Hillesden Securities Saying we owned them £2339.08 so i rang them and said i didn't own them a single penny and they was like you do own us it's the PPI you own! So i sent a letter off asking for a CCA which i got back and in the small print it say if i have paid £4505.33 i didnt own them a penny so i rang them back and told them this and the women on the women was very nice to me and she said her self she didnt understand it because on the SOA it show i have paid £5225.60 which is more then the half way mark so she said she would put the account on hold till DAF had got to them saying why i owned them this money. well i rang them today and the person i spoke to was so nasty to me saying she had the contact in front of her and because we handed the car back at 22months we had broken the contact so it didnt matter if we had paid more then the half way mark we hadnt waited till the half way mark which was 24months so as we handed the car back at 22months we had broke the contact! the half way mark for the car is £3275.30 and the half way mark for the PPI is £1230.63 which comes to £4505.33.When we got the car we was told if we didnt take the PPI we couldnt have the car and at that point we needed the car so we had to take it, i know now that we didnt have to take it! but it's to late now! Also the women on the phone said to day if i could pay £1800 she would close the account down because she didnt want to put a county court jugment agaist my name or have to make me go to court! so she has gave me to friday 13th march to get £1800 together! i really don't know what to do, my husband is away on tour for the next 6months and im on my own with to young kids one 3years old and tamara 5months i dont want baillift turning up at my door! i have showen my friend the contact and she has said it's in black and white i dont own them a penny but they won't listen to it! if anyone can please give some advice about this id be so happy!

We paid a £300 deposit but not sure if it went towards the payment protection! In the small print it has got if the contract is is not fulfilled because the creditor has gone out of business you may still the creditor! does this mean anything????

hi me and my husband took a car out with yes car credit on 8th Aug 2005, we kept uptodate with the payment till 2nd april 2007. When we wrote to them and told them we no longer wanted to carry on and wanted to hand the car back, which they came and collected on 28th june 2007 and sold it which they got £1,222,57 for it! which made the total money we had paid was £4836.18 and we was told by direct auto financial that we had nothing else to pay because we had payed over half of the term! So we was fine by that untill 2nd feb 2009 when we got a letter off D,L,C Demanding payment of £2800. So i sent a letter off request a cca which i got back to day, The letter say Thank you for your recent letter i can confirm and advise the following- 1.Please find enclosed a copy of the key pages of sales agreement between hillesden Sercurites and direct auto financial servces. Please note that we will not be able to supply a full copy of the agreement because the information contained within it is commercially sensitive,however,we would be happy to supply a full copy a judge when required in court. 2.In this case the sole purpose of the document is to prove that we acquired a batch of account from direct auto finacince of which your account is included.It will not contain personal information specific to your agreement. 3. Please find enclosed a copy of your original agreement along witha statement of account from our client. I'm not saying i dont own them money because i maybe do but im going off what direct told us, so ive looked at the agreement and in the small print its got you have a right to end this agreement , to do so please write to the person you make payment to, they will then be entitled to the return of the goods and to half the total amount payable under this agreement that is £3826.32 if you have already paid this amount plus any overdue instalments and have taken reasonab;le care of the goods you will not have to pay anymore. well we have paid £4836.18 so we shouldnt have anything to pay? when i rang them they said it's the insurance premium that we own! im totally confuessed by it all now! can anyone help me please?

i have 8 diferent debts and i dont know where to start ive offered to pay money off them but they expect me to pay what i havent got! 1st debt (is 4years old),Natwest which is £524.24 thats with robinson way ive said to them that i will pay £150 plus one bank charge but i'm not paying anymore because it's all just bank charge's but they wont listen to me and ring me sometimes up to 13times aday! I have been with natwest sincei as 8years oldwhnmy mum opend a acount for me and as i got older i took the accoun in to my name, at first all i hd as a solo account butthen they said i coud have a overdaft hich i said ys and it started of at £50 but then it go put up to £150andbuy thatpoint i as living on it i couln't afrod to put it down or i would be less off at the end of the month, but it got to the point where when i did get paid they where charging me loads even when i wasn't using the over daft, so i chaged banks and told them i would pay the over daft but they were havin none of it and now it has gone to robinson way and i on't know what to do.

i have 8 diferent debts and i dont know where to start ive offered to pay money off them but they expect me to pay what i haventgot! 1ST DEBT(is 4years old),NatWest which is £524.24 thats with robinson way ive said to them that i will pay £150 plus one bank changer but i'm not paying anymore because it's all just bank changers but they wont listen to me and ring me sometimes up to 13times aday! 2ND DEBT Vanquis bank (credit card) £333.73 thats with C.A.R.S (Creditlink accountv recovery Solutions) they expected £10 a month but then they changed there minds and started asking for more. 3RD DEBT is littlewoods £207 and thats been passed from phoenix Recoveries to fredrickson international then to Advantis Credit 4TH DEBT is Provident £160 which is with wescot i was paying them everyweek till i moved i gave them my new address and some one came round took one payment and never seen them again, ive rang head officer and everything but no one has got back to me and now ive had a letter off wescot! 5TH DEBT is for united utilities water which is for my old address which ive told them i dont live there anymore and i left in march 2007 but they said i didnt leave till june 2007 ive sent them letters to how when i left but they wont listen and thats for £268.69 which is with 1st credit 6TH DEBT Aqua master card £379.14 which was with 1st credit but is now with LSC Solicitiors, 7TH DEBT is with lloyds tsb £272.55 they keep sending me letter sayin we have paid all the payments you asked us to but the only payments going out that account is bank changers so it's gone from me own them £23 to me own them £280.50 on 8th dec 08, 8T DEBT is with caption one which i think i own them round about £600 but not had any letter off them for a while i know it's gone to a debt company but can't find any of the letter! i just dont know what to do after all the bill have been paid im left with about 200 a month to buy food, baby milk, nappies baby wipes dog food etc.. i dont work but my husband does we only get 749 a month after tax and rent then we have all our other bills to pay, some months we only have 150 left so most months we are having to ask our monther in law for money!