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susan16

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About susan16

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  1. That's great thanks ashmk, I will get it sent off today. Just a stupid question, why not sign it? (not that I will, just curious) I've seen it said a few times on here not to sign a CCA request and always wondered why? I'm assuming to just print my name after 'Yours faithfully'. Plus I'd like to say a big thanks to everyone who has responded. After the guy came I was really panicky, had visions of a bunch of thug baliffs coming back and breaking down my door and stealing all my stuff. But you lot have really set my mind at ease, I know the issue still exists, but feel happier about the si
  2. Yeah I guess your right. Apparently I can't do anything until this DCA guy comes around again anyway so I may aswell send a CCA request off, unless anyone would advise against it? Don't want to make more hassle for myself :-| Is there a template CCA letter around? I know it's probably somewhere really obvious but I can't see it
  3. Well as the first woman was so useless when I rang I thought I'd try again before sending the letter. Thankfully it was just the first woman being rubbish at her job. I now have all my details, including total amount and a breakdown of payment history (apparently I missed a payment months ago so where I thought was paying up to date every month I was actually paying a months arrears if you get my meaning) that's why it was passed to the DCA collector apparently. She also said that the collector can pass the account back to the lewis group once an agreement has been made (which I'd
  4. Yeah I'll do that, even if they don't accept at least it might get them talking to me so I can sort something out. Nope no CCA, don't even know what it is. I've always just got into debt, set up a payment arrangement and pay'd it off, I'm not use to all this. I've seen the CCA mentioned on a few of the other threads but assumed it was quite case specific and wouldn't apply to me.
  5. Hi Davey, thanks for the response. As I think I put this in the wrong section and couldn't get it moved I have now started the same thread in the Bailiffs section, here: http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/192147-pre-baliff-lewis-group.html P.S If a Mod can shut this thread please do (or if anyone can tell me how please do, I know how annoying cluttered boards are) Thanks.
  6. Yeah that's a very good point, thanks. As this will be my first correspondence (bar a useless phone call) with them since all this has happened, threats aren't really a good way to start, nor do I really want to go down that sort of route. I'm not disputing the debt, nor am I unwilling to pay (by instalments obviously, I'm not rich). I'm just getting frustrated that I thought everything was fine, but according to them it's not, yet they won't give me any details about my case or why this pre bailiff (DCA officer) has been called in. Maybe a more simple letter to the Lewis group headq
  7. Hi again, I know I need to send them a letter so I'd like to do it as soon as possible. I don't just want them to stop visiting me, I want to set up an arrangement aswell. Do you think I should sent this letter? http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-.html Would this work as they've already visited me once? (I didn't let them in)
  8. Thanks for the super fast reply. Yeah I'm assuming they haven't been to court as I'm sure the court would have sent me a letter to inform me preceding were being taken against me. I would like to deal with this in writing as I find all this very stressful and can see myself just getting upset over the phone or in person. Should I write a letter to the debt collector or to the company (lewis Group)? as they said over the phone that they wouldn't deal with me any more and all correspondence had to go through the debt collector. Wouldn't even give me balance total or debt collectors num
  9. I posted this in another section then realised it should be here, couldn't move it so have re posted. Hi Everyone, Wondering if anyone could give me some advice. Took out ASDA store card couple of years ago, Debt on card went up to about £500 so I cancelled it. The debt was passed to The Lewis Group who I have been paying off for a while. Last Thursday I get a Pre Bailiff come round saying that I owe money on a store card. As I don't have a store card I sent him away, he said he'd come back with bailiffs. Since then I have assumed it is the ASDA store card as it's the only store
  10. Hi Everyone, Wondering if anyone could give me some advice. Took out ASDA store card couple of years ago, Debt on card went up to about £500 so I cancelled it. The debt was passed to The Lewis Group who I have been paying off for a while. Last Thursday I get a Pre Bailiff come round saying that I owe money on a store card. As I don't have a store card I sent him away, he said he'd come back with bailiffs. Since then I have assumed it is the ASDA store card as it's the only store card I have ever had, but as I have been paying I couldn't see why they'd send a pre bailiff. Phoned them
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