Hi everyone:) Long story but heres the basics,, I have a CC with X, due to lack of funds and O/H being "between" jobs I started having difficulties paying them, CAB setup payment agreement which ended about April or May last year, CC Company didn't inform me it was ending, and I didn't know it was ending, I don't remember being told it was for 12 months only. Anyway it ended and I kept paying the agreed £1.00 per month, when I recieved my statement I noticed, so rang them to ask why I was not told the agreement wascoming to an end so I would have the funds to pay them, they replied they didn't have to tell me:-o. So I asked them how much I would need to pay to bring the Account back into line, they said £xxx, which I paid then and there. Next statement there was an over limit charge, I rang them to ask how this had happened they said that they had "forgot" to include it:evil:. I again made the "extra" payment to bring everything within limits, Guess what was on the next bill,,,,,, yep more charges:evil:. Anyway this is when I started the letter writingTo summarize, 1, I was not informed the the agreement had ended, therefore I was unprepared, so had no money put by to pay the first full repayment, I have incurred charges and interest. Sorry my scanners broke so can't copy thier letters, but they were all standard template letters totally ignoring anything I'd said. So I've recieved 2 more letters and a statement this week.

yeah but i'm sat here with everything crossed and i'm getting cramp;)

does anyone know the time of the hearing?

Just wishing you good luck for today, not that I think you'll need it, the timing of the DN's and the acc No change seems to prove the 1st acc was closed so they opened 2nd acc to re-issue a valid DN, sry if this has been covered. GOOD LUCK Jimi

no this isn't the end of the road, still plenty to work with I think, 1st thing is to get a copy of your agreement on here, someone with a better understanding will be along soon enough to tell you whether it's enforcable or not. Then theres also any DN issues, I don't remember you saying you recieved 1?

Hi what happened next???

Great thread, well done all, and good luck!!!!!!!!!

Squires or whatever they call it now, been a long time I've been into town myself:D

Thanx for that Series3. I'm from Preston

thanx. thats my hope, but there might also be a problem with the agreement, I'm sure that I had to pay x amount over 5 years and then a lump sum at the end of that, I can't be sure though until I see the agreement, don't know if this will make any difference?

I like your thinking tank! just a pity the OP seems to have given up on this site

HI, anything to report?

Nope, she was and is way to upset, also scared she might of done something wrong, I'm trying to reasure her but it's difficult fighting against her depression and anxiety, I made her go to the doctors yesterday when she rung me in tears again, the docs doubled her pills, I really hope this help, it's the worst I've ever seen her in the 9 years I've known her to be honest. I'm not sure how she'll cope with the police though:sad:

Hi, As far as I know they can obscure the sig, but they have to send you a copy of the actual agreement you signed, not a blank agreement, with all the terms set out within "the 4 corners". It doesn't look like they have complied

Good point, Steam vented, feeling better now;)

Thanx, she's going to the police, I'm not sure if the manager would treat the complaint like that, I know a staff member very well and she's said the themanager is a honest and nice person, but we'll see. I've now got the SAR ready to go today, I'm also sending a covering letter asking to see the recording without the need of the SAR, just to see if they will, you never know.

Yep i agree, state that you DIPUTE it totally, then send off to O2 a CCa request for both accounts, and don't speak to anyone on the phone EVER, oh anddon't sign anything!!!!!! just print your name

Yeah come MrM what happened next?

Yup I do, OK I did rant a bit didn't I I had a friend who I sent to this site and she received the same treatment, i.e. thread hijacked, made to feel like %^^$, she's never come back and is having to pay DCA's £300 per month all thanx to 2 people gobbing off, Oh and won't speak to me, said I'd made her feel worse. sorry it's my new pet hate:p

Ok I know this happened a while ago but I'd like to say,,,,,,,,,,,, WELL DONE,,,,,,,,,,,,,,,,,,,,,,,NOT. It looks like you scared the OP away with a few of you taking the moral high ground, &^&***^ idiots. You have just gained this site a bad rep, no doubt the OP will tell people about the brow beating they took from you. You used the same style of arguements I've seen used on here by the trolls who come on just to insight unrest and confuse the issues, it is not for you to judge, you were arguing about a VERY minor point!!!!! My god I've seen threads where DCA phone staff come on with the same moral stance, then you bleat that they have no CCA so you can stop paying them, (and rightly so) well you don't like it when a DCA "monkey" does it to you so don't do to other people!!!! The same with bank charges, the same with parking fine ect. If you want to give sermons about morals then join the priesthood!!!! or you could just hammer at each other in private. I always thought this site was about the law, not what is morally right, The OP was, probably in law, kidnapped, unlawfully detained, forced to admit guilt under duress, threatened, abused and publicly shamed and you argue about a VERY MINOR POINT. Should they of dropped the LOOSE tag on the floor? probably not, but they did, so now have to deal with the conciquences, should you of spent that £10 in the pub when you knew there was a DD due out, probably not, but you did, you got charges, you found this site and reclaimed them, did you get the treatment you subjected the OP too? NO. No doubt the OP has now paid the extortionists what they demanded, will feel even worse than they OBVIOUSLY already did and will never use this site or any other similar site so will carry on being bullied by the big boys. I HOPE YOUR PROUD!

HI sorry i know this is not relevent but do you think this is the case here??http://www.consumeractiongroup.co.uk/forum/repossessions/188321-question-re-repossesed-car.html. Back on topic, if it was me I'd be visiting my local police station to make a complaint about your kidnap and unlawful imprisionment, they didn't make a citizens arrest, they didn't contact the police and they have admitted as much, Thats what i would do! I have a freind who is security manager for a wellknown store and he's told me in the past that if someone is detained, then found not to have done a provable wrong, then they complain to the store, the store automatically send 1k FF payment, rather than risk a claim through the courts!

first thing is they've not allowed 14 days for the default notice since it would of only reached you at the earliest on the 20th

Hi my girlfriend was on a night out last week( 1st time in years due to diagnosed social phobia) when this alledged assualt took place, I wrote the following letter to the manageress of the night club, I did this as we have a friend who works there who said that there had been a lot of complaints about this type of thing, especially from women! Dear Xxxxx I wish to complain about mine and a friends treatment by your door staff when we were entering your club at about 10.50pm on saturday 7th march 2009. We entered the club and my friend bumped into the posts which are used as dividers where you pay, one fell over. The doorman came and said that we could not go in as my friend was "****ed". She was not "****ed" she was a little merry having had 3 small glasses of wine over a period of about 4 hours. I accept that we can be refused entry for whatever reason, so we should probably of just left, unfortuneately we were in a large group, so I said that she wasn't "****ed" she had just bumped into them, he said quite politely that we still couldn't come in, OK, we were not happy about this and said so, I asked if we could at least let someone know that we couldn't get in. I must say at this point that it is common sense to do this for women on their own in a strange town, and I feel strongly that it is wrong for doormen not to allow this! So I will admit that I was being quite verbal, but still non-threatening about this, but the doorman was still very calm and didn't seem worried by my behaviour. He was still politely ushering us toward the door and we were moving toward it. At this point several other doormen came down the stairs and just grabbed me and my friend by our arms, twisted them up our backs and "threw" us out. I can only speak for myself at this point but I was very shocked and in great pain, my friend has said that I went "hysterical" at this point, and I must admit that my memory of this is somewhat fuzzy due to my anger/pain. The "Gentleman" who had hold of me, had my hand in his and was squeezing it very very hard, in my opinion he was deliberately doing it as hard as he could, in fact he snapped two of my acrylic finger nails, which is no mean feat! It felt like he'd ripped 1 off at the time. My shoulder is also very sore, it feels like it's been wrenched and twisted and I can't move it in certain directions because of the pain, which makes driving very difficult and painful, i am a mobile nail technician, I have bruises up my arm although those are small and faint as I don't bruise easily. Bearing in mind that I have admitted that we had both had 3 small glasses of wine over a period of about 4 hours, I feel that we were in no way so "****ed" that either of us would be violent, especially as I'm only 5 feet tall, weigh less than 8 stone and female, I am 30 years old and run my own business so I could hardly be considered a threat or a "psycho" as one of the doormen said after throwing us out. I would ask you to review the tapes from your security camaras at the time, about 10,50 pm to see if there was any call for... a, us being forcebly removed, I maintian that we were not refusing to leave, I believe we were moving towards the door. If I am wrong about this,,,,,, b, was there any need for the restraining type hold to be used on two (2) females, who both in all probabilty weigh less that one (1) of the doormen who "manouvered" us outside, and,,,,,, c, why was so much pressure applied, at least in my case, to the hold on our arms, once again we both weigh under 8 stone! If I was in some way scaring or making the doormen feel threatened, then I apologise, this was not my intent, as I made clear at the time. we didn't feel safe as we don't go out very often and never into Xxxxxxx City centre so late at night. I also felt it nessesary, at the very least, to inform the other people we were out with that we couldn't get in, so they wouldn't panic when we didn't turn up, all perfectly reasonable in my opinion. The "doormen" are trained "professionals", are all used to dealing with much larger, aggresive and scarier people than me and my friend, so I find it impossible to believe they had to act in the manner they did, no matter what they "thought" was going on, note I say "thought" as they just came over, grabbed us and threw us out, at no point did I see or hear the first doorman call for help ( although I will stand corrected if he did ), they just came, grabbed, threw, without first finding out the situation. I feel that this cannot help your clubs reputation, although I know that they are not connected to your club other than as outside contractors, I also believe that you have recieved other complaints regarding these doormen, especially their treatment of women. Could you please have a look at the tapes and let me know what conclusions you come to as soon as possible. Your Sincerely I sent this 5 days ago but I'm worried that the CCTV footage might be destroyed before I can take action, so my questions are,,,, Is there a time limit for how long they have to keep footage? What are my right to view the footage? Can I ask for the "gentlemans name and SIA number? And is there anything else I should be doing? She has been to the doctors about her very sore shoulder, the doctor said that her shoulder was swollen and she could feel muscle damage, she also burst into tears while there, just like she has morning, noon and night since, I'll add that she is being treated for depression and anxiety. Thanx Jimi

HI anything to update? sorry but I find myself in a similar sutuation