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Posts posted by Massamum

  1. No Joemay, I have a new provider plus a new number. Its brilliant as none of my creditors can pester me. My heart still goes over when I hear the phone ring though.


    I’d love to send a CCA request but sadly mine was an online application (Feb 2007) so from what I’ve read on here it’ll be enforceable. Good luck with yours though.


    Sounds like they don’t know their Rs from their elbow!

  2. Hi Shakespeare62, thank you so much for your reply, I really do appreciate your help, especially given the late hour.


    No I haven’t received a DN from Link (yet). Only a letter so far which I think is a Notice of Assignment? The letter is dated 23 March and in that letter Link say the debt was assigned to them on 20 March 2009. The letter was sent by ordinary post and I haven’t acknowledged receipt at all yet, either by phone or letter.


    I received a DN from MBNA dated 6 March (posted below), it mentions that I have to make payment by 23/03/2009 or (further down) that on or after that date if not received that my account will be closed – that’s three days after the debt was assigned to Link – is that significant at all? (I have only actually just realized the dates)


    Sorry to be thick but what does repealing of s127(3) mean?


    Any suggestions as to what I should do now? Should I write to them offering token payments? But if I do that then I’m acknowledging receipt – no idea what to do for the best.


    (Was up half the night trying to scan NOA onto Photobucket but awful trouble losing my internet connection, will keep trying and hopefully will post it up later.)





  3. letter from BLS threatening home visit so have sent off the following letter. Am starting to enjoy this.


    BLS Collections

    Collections Centre

    Charlton Place

    Charlton Road



    SP10 1RE




    Dear Sirs

    Account No. xxxxxxxxxxxxxxxxxxxxx

    I write further to your letter dated xxxxxxxxxxxx asking me to call your offices. Please be advised that I will only communicate with you in writing. I also attach a copy of my letter to you dated xxxxxxxxxxxxx detailing my circumstances.

    Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

    There is only an implied license under English Common Law for people to be able to visit me on my property without express permission: the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

    Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

    Yours faithfully




  4. How frustrating! I’m very new to this so hopefully someone will correct me if I’m wrong (great that there’s so much help on this brilliant site) but is it worth your sending corres to the head office address? At least there should be someone there to sign for delivery and hopefully pass it on to the right office. Good luck.

  5. hi scott, sorry to crash your thread but I'm in similar situation to you, having just CCA'd Lloyds. Can I just ask who/where you sent it? I sent mine to Lloyds head office at 25 Gresham Street, London but am having a bit of a wobble now wondering if I should've sent it to BLS or Lloyds Collections? Help!


    My thread is at http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/192151-lloyds-credit-card-just.html

    if you want to have a look. Cheers.

  6. I have a Lloyds credit card (approx 20-odd years old now). I have been paying £1 token payments for the last year or so as I'm out of work. The debt is just over £15k. I've had the usual umpteen phone calls, letters, threats from SC&M and BLS. They are even offering me a reduced sum to clear the debt but I understand from other threads on here that these people are unscrupulous and will sell the debt on after you've paid (not that I have the money to pay them anyway). Am sick of it all.


    So, following yet another sleepless night I decided to take action and have today CCA'd them. What a great feeling it was to send it off (recorded delivery naturally). Let them chew on that for a while. Fingers crossed they can't find the original agreement.


    Link to my original thread below.



  7. I have an MBNA credit card that was terminated a short while ago. I received a letter from Link Financial saying they've bought the debt. After reading on here how quick Link are to get charging orders I wondered if someone would be able to advise me on the best course of action here. It was an online application (c. 2007) so I'm guessing its enforceable. The question is, what is the best way forward regarding Link's letter? Should I write to them offering £1 token payments (thats what I was paying MBNA). Would be grateful for any suggestions/ideas as I'm dead scared that if I ignore them it'll make things much worse.


    I've added a link to my original post below.




    Thanks folks.

  8. Hi all,


    Have finally found my way back on here. I'm feeling a little stronger and have decided to try and tackle things head-on. I'm going to send a CCA request to Lloyds for the credit card.


    I will start a new thread for that, is that the right thing to do?


    Will be grateful for any help you can give (think I'm going to need it!!!).


    Also, I received a letter from Link Financial yesterday saying the MBNA debt has been sold to them. Oh well I will write with the standard offer of £1 token payment as thats all I can afford.

  9. Phew, just managed to log back in. So great to have so many wonderful responses here! That’s made me feel so much better to have your support folks, thank you.


    Goldenlady, the split of the debts is Egg card £10k, MBNA card £15k, Lloyds card also £15k and a Lloyds loan for £10k. Don’t feel very proud of it but I didn’t have a choice at the time. The Lloyds card is probably over 10 years old by now I think. I think the Lloyds loan was an online application but I can’t fully remember. That loan was taken out in about 2004 though so I might be ok? Great that Lloyds couldn’t produce your agreement, well done, and I fully agree about MBNA. They are the PITTS.


    Sosumi is right, I’m only taking a short course of the sleeping tabs to try and reset my sleeping schedule as I’ve been up worrying most nights. But now I’ve discovered this site I’m sure things are going to get better as it sounds like there’s hope out there.


    I’d love to pee the debt companies off but I’m a bit of a scaredy-cat at the moment (also on anti-depressants so not hugely strong), but I hope that if I can get control of my finances then things will start to improve.


    Bigegg, I’ve broken quite a few of the rules unfortunately. I’ve sent them many letters that I’ve signed and also spoken to them at length on the phone (but that was before I discovered this site).




    I'll try and get back online again tomorrow, night night all.

  10. Thank you for your reassuring words tendogs and you are so right, they won’t be losing any sleep over my account but I am having to take sleeping tablets. The thing is, I’m not sure if I’d be able to fight them, I haven’t got a clue where to start!!!

    I haven’t got a scanner so can’t post the docs up anytime soon but my brother is visiting soon and I think he has a scanner so will do my best.

  11. Hi Goldlady, there is a huge amount of equity in the house and that’s what is so tempting to MBNA (they actually sent me a print-out of land reg papers). MBNA and Lloyds have frozen interest for a while but, like I said before, MBNA now seem to be going for the house. I owe around about £50k in total.

  12. Thank you so much for your replies. I am already with the CCCS but as on jobseekers I can only afford token payments of £1 per month. Of course they are not happy with that and keep trying to make me increase. I can barely afford the £1 so its ridiculous. Even though I give my CCCS reference number it didn't stop them hassling me unfortunately. Things just feel very desperate right now.

  13. Hi everyone,

    I’m hoping that someone on here can help me please as I really don’t know which way to turn.

    I am unemployed after a stint caring for someone and unable to work. I have a serious amount of debt - a bank loan and three maxed out credit cards, one is an Egg card (online application, 2007), one is Virgin/MBNA card (also online application, 2007), one is a very old Lloyds credit card and a Lloyds loan.

    I paid a small sum to one of these companies who claim to get your debt written off (that was before I discovered CAG), they’ve had my case since just after Christmas.

    They said they’d get all of my debts written off but so far the only time I hear anything is when I call them and then they fob me off by saying its being dealt with “upstairs”. Also that they will not deal with my credit cards as I can’t afford to pay for each one separately, they will only handle the loan, although nothing much has happened with that as yet.

    I've suffered months of phone calls and threatening letters and feel like the net is closing in on me now. Its making me ill.

    I received a default notice from MBNA today saying they are going to terminate my agreement (I have received several from them). I’ve also had threats from MBNA saying they are going to put a charge on my house and get a charging order to force me to sell.

    After reading a few of the threads on here I realise it won’t be long til I receive court papers from MBNA and if it goes to Northampton I can say bye bye to my home. Is that correct? Grateful for any advice as to what I should do. Please help me.

    I’ve written this in a bit of a hurry and it sounds disjointed and confusing to me, I hope you can make some sense of it.


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