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Nomore Baloney

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  1. Just a slight delay on coming back to this thread - have been slightly distracted having a heart bypass op, followed by being diagnosed with T2 diabetes as a result of the op apparently. Anyway, all good now! Recently got back on to this issue and received a response from Arrow on behalf of Westcot. They tell me that as the account was originated from an overdraft, it was not covered by under the CCA 1974. They did confirm that the account was in default and that the total amount owed is £752. they also tell me that the amounts that will become payable wi
  2. Yes, think it was something to do with Abbey National (as was)around 2010. From memory, and it was about 10 years ago, on balance of probability from the advice on here and the info we got back, I concluded that it wasn't worth the risk of getting a CCJ and chose instead to pay them a fixed amount each month, which my wife has, without fail. I see from records that Debt Managers were involved as well. I remember how charming they were to deal with..not. We had a lot going on back then and this was just another small battle that we didn't need to fight a
  3. I have done a little digging in my emails here going back to 2010. It looks like Moorcroft were the original DCA, then passed to Direct Legal Collections. I think it was then sold on again before ending up with Capquest. I'll send them a new CCA request and see what happens. To refresh my memory, I take it they have to show me a copy of the original signed agreement or they can't chase. Is there more complexity to that - I'm guessing there is!
  4. We had a couple of issues back nearly 10 years ago, so not sure there would have been a seperate thread posted, but took the general advice on whether an agreement was enforceable and after all the info was in from the Abbey Nat, decided it was, so have been paying the agreed amount ever since. Given your advice, might be an idea to confirm our address by recorded post, tell them its rented, and confirm the £5 is the most we can afford and would they consider a reduction to £4? Just don't want our excellent credit score ruined, worked hard to recover it over the last 8
  5. They have our current address. I'm fairly sure it was an Abbey National personal loan. Originally chased by Debt Managers and then passed along the food chain to Capquest. The letter says the account may be returned to Arrow Global (who own them) who will consider passing the account to a specialist partner to recover the balance outstanding. Given that my wife has never missed a payment, that's a bit off.
  6. My wife has been paying off a credit card debt since 2012 at the rate of £5pm. She has never missed a payment and currently owes £798. We don't dispute the debt as we jumped through the hoops back in 2011 and it looked, after advice on here that it was enforceable. All of a sudden, Capquest are now sending snotty letters demanding that she get in touch as the 'balance remains unpaid. She doesn't want to call them and would rather just keep paying the £5pm. Any up to date advice to get them to stop their chasing. We really don't want to have to get in
  7. Hmm, I just don't want to enter into a world of pain by contacting them though unless its absolutely necessary. I can be found if they wan't, I'm not hiding from anyone. My wife has had a small legacy and for the first time in years she has a small buffer in her bank. They will ask to see statements etc. no doubt, but she really doesn't wan't to give that rainy day security away when we have been just about ok paying the £50 per month and by contacting them, the first thing they will be wanting to try and do is up the payments which we can't really afford, especially coming u
  8. Why? They are getting the £50 per month without fail, had redirected my mail for 2 years without any contact from them...
  9. I think so, everything else is sorted from that period (famous last words) but Rob Way are the company that was involved in the Tomlin Order.. Anything else is now SB due to the time since I fell on hard times.
  10. I agreed to a Tomlin order back in 2012 with an agreed payment of £50 per month. My solicitor recommended we agree, having nuked a couple of other credit card debts for me. One of the terms was a voluntary charging order which never happened, I sold the house in 2015, never even considering the Tomlin Order. I have been paying the £50 pm since inception(2012) and not heard a peep from anyone until this week when RobWay, the DCA have been texting me to call them. Is there anything they can do, given I am in rented housing, to vary the Tomlin order? It does say subject to 6
  11. My wife and I have 3 old credit card alleged debts to RBS cards. We have been paying them off at £3.00pm since 2009/2010. I went through all the enforceable/not enforceable routine back then and consensus was that they were enforceable. We have had 3 letters from RBS dated 14th June saying they have 'partnered with Westcot who will manage my account." What are the implications of this development? I'm happy paying the amounts as before, but don't really want this dozing scenario to wake up. Six years on and our credit file is about to look pristine again
  12. I will be writing to the head man at Boots. Coincidentally he is also a vice president of the Institue of Custer Service, which made me chuckle.
  13. My wife felt her glasses that she uses for driving were not as sharp as they used to be and called Boots to make an appointment. Off she trotted for an eye test. They told her that she needed new glasses for reading, but she told them she was happy with her reading and just wanted her distance vision correcting. They then tried to sell her varifocals, but once again, my wife reiterated she just wanted her distance vison correcting for driving. When she told the optician that her eye consultant told her not to have them due to a slight issue with a cataract, she was answered with a "pfffft
  14. My first port of call was the bank. Even though I called up on the lunchtime of the day the transfer took place as the payment had been (joyously, no doubt) accepted by the recipients bank there was nothing they could do. I'm torn between telling the solicitors and them creating a bit of a fuss or lying low and biting the bullet. At the moment I'm biting the bullet,.
  15. Well I did think of that, but I'd rather not pop my head over the parapet and get involved in another round of income expenditure fencing... There's no doubt I do owe the money, I'd just rather not pay it quite that fast!
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