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About coffeeangel

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  1. So CAG Famz, I promised to let you all know how things panned out for old Coffee. On the advice of my legal counsel, I never needed to see the inside of a Court Room and the CO route was negotiated. It was a good result although I am some few hundred quid out of pocket (that can not be afforded but needs must'd at the time!). I haven't quite managed to dial down the DEFCON level just yet as every time I think about this, I still feel really angry at the way this whole series has played out and I want to kick someones butt or as my mother says make them "eat poo and poop b
  2. I am pleased to report this matter has now been resolved and my CRA file marked satisfied. Feels nice to get these people outta of my life! Thanks for all the advice - a donation (albeit small) is on it's way. Best Coffee
  3. Will do DB! And thanks to you to for words o wisdom on this thread. Awesome!
  4. Your well wishes mean a lot to me Andy. No words I say on here can ever express the true gratitude I feel for your wise counsel. Stay cool Andy, you rock!
  5. So hey CAG famz, hope your all doing ok. Me not so much - not enough hours in the days (or days in the week for that matter) for Coffee to deal with all the dramarama in her life so after talking it over with family, friends and yes, even my employers, an "executive decision" has been made to get legal bods to fight this one for me as I just have far too much on my plate to dedicate the time needed for this. I want to wholeheartedly thank everyone for their advice on this very sour subject but in particular some of the most amazing people I have the "virtual" pleasure to ever meet! You kn
  6. I know Slick you are right Obi Wan! The thing is with the charges on this and the Mastercard plus PPI without compound, comes to quite a hefty sum and I have this earmarked to help my kids! It's shy of a couple of hundred but I can make that back by working o/t on a couple of wkends at work which I am more than prepared to do for my kids. When I started this journey, I had every intention of paying what I owe, the CORRECT amount, and even if this DCA were to come out of the woodwork not having had their grubby hands on the offset, I know they would have offered me a "deal"! I know
  7. Thanks CB (and slick). I've told these numchucks this 3 flippin times and they STILL say THEY CAN! I really don't think they actually READ what you put in the letters and just send you TEMPLATED responses! I can't find anything that voids what you and slick have said yet this is why I ask if there is "something we the consumers are not aware of". I know they are trying it on, they tried it on with my PPI claim saying they have "evidence" I took it but that evidence was not produced in my SAR so they have shot themselves in the bottom and now have to reopen the claim! Nevertheless,
  8. UPDATE: DEFCON 1 ALERT! :mad: Well sent off my letter at the end of March and by 16th April I still hadn't heard a word from them so I decided (I know, shouldn't do it!) call them on the phone. So after much faffing about when they tried to tell me they hadn't received my letter, they "miraculously" found it on their system (only after I'd told them they sure had received it as I was hold the FAX CONFIRMATION in my hand date and time stamped!) they said they would "authorize" payment as they now had my bank details. Why they couldn't remit by cheque is beyond me! Fast forward
  9. Hi slick and CB, sorry I didn't respond sooner! Turns out my notifications from here are going into my SPAM email folder!
  10. I feel your pain Paul! These numchucks have had my letter since end of March. Called them up on Monday and they said they would authorize payment. Then got a letter from them Wednesday saying they wouldn't budge on compound interest and on one of the cards they have off set it to a third party DCA! When I told them they couldn't do that they INSISTED THEY COULD! I am now at DEFCON 1 :mad: Coffee
  11. Subbing as now in a similar position and I am hopping mad! Coffee
  12. They can pass the parcel all they want. When I have it I will pay it and only what I owe and nothing more. And by no means do I have any intention of giving any of these bottom feeders my card or bank details - they give me theirs! Glad you got your money back though Coffee
  13. Hey quack quack, yes I'm not letting this lot get to me anymore! I'm in control not them. My biggest headache to on this journey had been with Halifax. I've had brilliant advice and support on here regarding them! I've also learnt too who and who are knowledgable on certain things and all those lovely CAGGERS you have named I have been following the advice they have been giving others so I have a fair idea how to play the game with these bottom feeders! But thank you too for dropping by. I appreciate your kind words and good advice. But don't worry I'll be sure to send you the invite to
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