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lostthewill

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About lostthewill

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  1. I have received back a pack from Bank Smart. In encloses the following: 1. A list of the charges - this is word for word what is in the particulars of claim. 2. Copies of invoices - these are invoices relating to the court charge and legal costs as mentioned in the particulars of claims. These invoices state a totally different account number of password to my usual account and I have not received these prior to this date. 3. A copy of the contract documents - these were never in question - I know I foolishly agreed to their terms! 4. Proof of refunds -
  2. Name of the Claimant ? - symmetric Systems Ltd t/a Bank Smart Date of issue . - 20 sept 2017 What is the claim for – 1. £407.94 for Claims management services by the claimant to or for the defendant at the request of the defendant particulars of which have been supplied to the defendant. 2. The claimant also claims the sum of £50.00 in respect of debt collection agent fees, pursuant to the claimants terms of business. 3. The claimant claims the further sum of £59.32 in respect of statutory interest pursuant to section 69 of the county court act 1984 at the rate of 8% a
  3. Hi I tried to log in to my account to do this but they seem to have deleted my account as my username is now magically one digit too long!! Very odd Asmara I had managed t log in last week. I do have an email from them saying all has been paid however.
  4. Hi there I'm not sure if this is the right place for this post - please move it if I've gotten it wrong! This morning I got I have received a claim form from Bank Smart for what they claim to be claims management services and associated costs. I have a long standing dispute with them. actually paid all the outstanding money in June! When I log into my account with them there is nothing showing as owing. I had some emailing with their 'legal' department because they continued to chase this 'debt' (it was old because I disputed some of the charges they had adde
  5. Hi Stigman Thank you, I checked noddle and the debt isn't listed at all on my credit record, not sure what that means though! I guess they will add it. Thank you, will try the above advice.
  6. Hi there, I really need some advice. I'm being hassled by Lowell for a debt I have with Three. I have sent them the dispute letter and they claim that they have to know details of the dispute I order to hand it back!! I told them that I did not wish to deal with them as DPA had been breached in them receiving my Information in the first place, they just repeated that they needed information on the dispute. Now, and without going into too much distressing detail. My phone was stolen/lost during a vicious assault. I dutifully phoned three and gave then the crime reference numb
  7. Hi there Following a period of unemployment, I'm pleased t say that I am not employed again I was unemployed for just over a year So I decided to pick up my defaulted Next Directory account and write to them with a payment proposal (I did write to them when I was jobless with no income and they never responded, or chased the account!) So I wrote and included a cheque for the 1st payment, the cheque wasn't cashed and they wrote back to say that they would not accept a payment plan - because of the status of the account?!?! So I wrote to them again a few weeks later with a
  8. Hi there Following a period of unemployment, I'm pleased t say that I am not employed again I was unemployed for just over a year So I decided to pick up my defaulted Next Directory account and write to them with a payment proposal (I did write to them when I was jobless with no income and they never responded, or chased the account!) So I wrote and included a cheque for the 1st payment, the cheque wasn't cashed and they wrote back to say that they would not accept a payment plan - because of the status of the account?!?! So I wrote to them again a few weeks later with a
  9. ahhh, darn it, I wondered at the time if I was doing the right thing! Does anyone have a template 'prove it' letter? Many thanks guys
  10. PS... £1000 costs for wrong entry?! Wow! How do I do that? I had a wrong entry recently from a satisfied loan from crappy welcome finance, and they defaulted the difference betweent he settlement amount and the loan amount!! They removed it when I wrote to them, so i've probably missed the boat on that now!!
  11. Hi there, I sent the acc in dispute letter after 12+2 days, then the unenforceable after another 30 days (plus a couple for postage) had passed. I have no idea what the alleged debt is for, or who the OC is, all I've ever had is a 7 digit reference number stated on 1st credit's letters! I have no idea what to do now, but obviously I don't want this on my credit record if it's not mine!! I've also asked Experian to investigate removing it. I don't know what else I can do really with regards to responding to 1st crud's letter saying they are satisfied of my liability for the
  12. Hi there I CCA'd 1st credit last year as they were contacting me regarding a debt I've never heard of. They defaulted at 12+2 days and failed to supply any agreement after a further 30 days, so I sent them a bog standard 'unenforceable' letter fromthis site (thanks!!) They have responded as follows.....l I write further to your letter of 27th November, A copy of our complaints procedure has been sent under seperate cover. Following your request for documentation under section 78 of the consumer credit act 1974, we sought the same from the original creditor. We hav
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