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mjc007.5 last won the day on October 2 2009

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About mjc007.5

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  1. Good form from all, nice reading on a long cold night shift Question for Fred - what's a dmclub number? My phone provider kindly provided a free second line as a "longstanding customer" and this handles any calls I get at present (having had a nightmare of up to 20 calls a day across all my liabilities) but I am always on the lookout for a plan B (in case they get hold of my primary number again!). I would go the truecall route but cannot afford it so if you another internet based solution and don't mind sharing would be interested.
  2. Hiya, I believe I can be of some assistance with this particular company. They are indeed the DCA for Albermarle and Bond. They are the in house DCA for this firm with the same registered offices in Bristol (rather like Mercers and Barclaysharks). Chantry operate out of a PO box (how do these firms do that?) in Wakfield and some of the Albermarle and Bond head office paperwork also comes with a Wakefield address on it). As with many of their type - fairly standard nonsense to begin with (including a beautiful postcard advising me they will be calling to discuss the debt) then more reasonable w
  3. Hiya Plumfairy, If you clicked through on it worth giving the PC a spring clean (virus scan, spyware etc) just in case.... Best to treat links from all these firms as spam and file appropriately
  4. Currently they are down four figures overall with me and counting (written off rather than in my hand but all good!) If they actually did operate both their lending and recovery activities in a more responsible and responsive manner rather than the sledgehammer approach they mainly take there would be less debt problems (Any one of a number of my creditors should have been making me look at this around 2 years sooner than I did rather than lending yet more to a deteriorating risk) and more money repaid (we are actually mainly "cannot pay at the rate you are demanding" rather than can't p
  5. Thank you very much Sequenci - my point exactly but much more concisely! The ironic thing is that it is largely the unreaonable behaviour in the pursuit of the debts that started me (and I am sure many others) on the road to more than simply the administration of them ...... If the many and varied creditors had simply responded to my original requests to come to an arrangement to ensure that I could survive whilst paying back all my liabilities in a favourable manner I would probably have never found CAG or decided to stand up for myself!
  6. Afternoon all, My experience to date is not much to choose between them - both professional, talked me through the options. I have gone with CCCS and although some of their admin and support functions are a bit clunky the counsellors themselves remain very good I have learned quite quickly that there is not a one size fits all approach. CCCS have helped me steady a very rocky ship (particularly with the "mainstream") but we are combining this (effectively so far) with advice from the good folk of CAG and some limited legal input. I have also (for research purposes) used other si
  7. Hiya Petal, Hang on in there with it, you will be okay if you follow the advice of the good folk here and stick to your plan. As well as the sound advice already here Sillygirl1 has now posted on your thread and she also seems to have a raft of experience dealing with these firms (apologies if I have this wrong, your posts have helped me along the way ) and I think is further along the journey to sorting them out than me (in fact may have got there!). You have a number of experienced folk already looking in and we will all try and help as much as we can. Main concern is that
  8. Hi Gibbo2003, Sound advice from Sillygirl1. They are up to something - as well as the experience she outlines the "reloan" will be to try and get you to give up new account details. This appears to be an increasing tactic by a number of these firms when you have done the wise thing of changing bank accounts to put your weekly/monthly income out of their reach. I think might be worth writing to them with a copy of the email - thanking them for confirming that the liability is now settled and see if it plays out as Sillygirl outlines (one thing is very clear from dealings with
  9. Hiya Petal9, Sorry you have been unwell, hope you are feeling a little better now If it all seems a little daunting then best to break it down into small steps and prioritise - do the most important bits first as you feel able and then go from there. In almost all cases this will be taking steps to protect your next monthly/weekly income before it is due and if you have not already you must do this first. It will feel a whole lot worse if they get their hands on it first but equally if you are able to ensure it is out of their reach you have the first steps to feeling empower
  10. Hiya, On the posting issue, I have used what follows below which appears to be current accepted standard: With effect from 16 April 1985 the Practice Direction issued on 30 July 1968 is hereby revoked and the following is substituted therefore. 1. Under S7 of the Interpretation Act 1978 service by post is deemed to have been effected, unless the contrary has been proved, at the time when the letter would be delivered in the ordinary course of post. 2. To avoid uncertainty as to the date of service it will be taken (subject to proof to the contrary) that delivery in the or
  11. Hiya, As well as the telephone harrassment letter/email I would also add that the clowns are "frustrating your reasonable efforts to address your liabilities" and that as a result (if not already) you dispute the alledged balance (which will of course by now have gone further than the space shuttle! ) as well as any charges or interest. Probably worth a CCA request to the obviously incompetent - might bring you some useful replies (my particular favourite was "we do not have one... " ). Wonga - suprised they have been "friendly" (not to bad with me but my have there been some horror
  12. Hello Petal9 and welcome to CAG T2 is way to kind to me - although the bit about being a thoroughly nice cagger is 100% correct! Already some good advice from Mrs Weatherwax and plum fairy - if any of what follows duplicates my apologies. (1) As has already been said - do not beat yourself up about it. Very easy to say, but this is absolutely the best place to start (you will think far more clearly and their tactics will have less of an impact on you). I have been to a very dark place indeed with these firms but once I had the lightbulb moment and accepted that I could not c
  13. Good morning, If the DCAs are "acting for" (which I think is what you said earlier in the thread) then SAR to The Money Shop (others will correct me if I have that wrong! ). As T2upnorth says you owe one single debt to the Money shop (and contracted for the same) so they are in breach of OFT guidelines letting two DCAs "act" for them. Someone more wise than me would need to confirm if the rules are the same when the debt is "sold on" to a DCA - not sure if they might be have more room in that scenario. Generally this needs to be conducted in writing although you might want to
  14. Good morning, Generally all that you have detailed below would be in line with experience of these firms - escalating threats, huffing and puffing to try and make you pay more than you can afford (wait until you get asked to ignore a priority debt to pay them ) Wonga - it does seem that even with a payment plan they do "insist" on talking to you to "confirm" - should be apparent quite quickly if this is the real intent of the call and if not you can terminate the call. Refusing standing orders is bunkum there are many on here that are paying them via this method! Payday uk -
  15. Hiya, Agree if not real = fraudulent Even if real (unlikely) = given what you say about not recieving any correspondence or a CCJ then with the right advice from the more wise here should be able to set aside Has your employer recieved the letter/attachement of earnings form? If not they might be variant of the usual threats. If they have it presume they are not simply acting on it without further reference to you? (If they have acted on it then you have comeback on them as well!!) Best of luck
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