Just an update,sorry i have'nt posted any updates but did'nt have any news.sent HFO the account in dispute letter in Dec last year.To day i received the CCA it's basically pages of nonsense.It's a recontructed one.

I reveived a letter from them this morning they purchased the debt from lowell.

I saw this off when B Carter had it.No cca.

It states

Creditor: Statue Barred Debt-Capitol One.

They are concerned this that this matter remains outstanding.

I'm concerned that they they trying to collect a debt they state in letter is statute barred:-)(i am aware the debt still technically exists)

I want to have a bit of fun with the idiots,idea's guy's

Thanks Coledog,Nothing back as yet,HFO have stopped calling,no more love letters from them.

No Agreement,no reply to the SAR from CITI as yet perhaps they can't make up their minds what to include in it.

When i get it,i expect to be incomplete as i have the original default notice from them and it's laughable let alone dodgy.

I sent the harassment letter and the account in dispute to HFO and all went quiet.

Our car insurance is due for renewall,so we searched around for a cheaper as this year it's gone up £150.00:!:.

We found a cheaper quote which we accepted,paid the deposit and opted for DD payments over 11 months.

A third party company sent us a credit agreement to sign,they pay the full cost of the policy to the insurance company,effectivly it's a loan.

Admin fees added and an APR at 11% variable.

Fee's to be charged at £12 for a missed payment.

The same scenario happened with our public liability insurance,a credit agreement sent from a third party.

Not only i not come across this before,i am not willing to sign a running credit agreement to pay our insurances.

After contacting both insurance companys, we paid for the liability in full by card directly to them.

We cancelled the new car insurnce and have decided to stay with the previous company,in the long run it's cheaper to do so,and no credit agreement.

We were not informed that we would be expected to sign a credit agreement from a third party company when opting for DD payments.

I actualy find this pratice disturbing,how long has this been happening?,as i said before i have not come across it when applying for insurance.

If you default you not only loose your cover,i assume your credit file will be marked and DCA's chasing for the remainder outstanding monies.

It’s always good to be proactive. If these cases get to court, then it looks very positive for you when you try and sort things but they don’t respond or simply become abusive.

 

In pt2537’s thread about litigation and pre-litigation (it’s a sticky), he lays out lots of excellent tactics for a bit of legal oneupmanship.

I'll go take a look,thanks donkey.

I would rather be doing something,they had a really bad affect on my chick.

And as you say it will put chick in a better light come litigation,if and when that happens.

Umm Might do the same thing then. Or maybe wait for the SAR info?

I'll mull this over,i would like to see who the dept was assigned to,Capitol or services could be interesting.

Thanks CD,i just get the occaisional letter with the usual threats.

I'll do a SAR to the OC,as you say be prepared.

This needs more complaining! They have stated they will not respond to a legitimate CCA request; they have not responded; you have put the account in dispute. Is that right?

 

Time to up the ante on these muppets. I would write and summarise what you have done and what they have said, and demand either (a) they comply with the legitimate CCA request, or (b) return the £1 and do not ever contact us again, as you assume the case is closed.

 

Go on the attack!

Good idea donkey,anything is better than beig a sitting duck (or chicken).

Yes i have sent the account in the dispute letter.

They say the best form of defence is attack.

I;m not good at playing the waiting game,but i'm prepared for their next move:wink:

I have 1st credit chasing a small debt,i paid a couple of payments in the summer of 07 before finding cag.

The default is due to drop off my credit file in january 2011.

The debt is for HFC from 2004.

How do i stand regarding the default issue.I understand they cant file another default once the six years are up.

Can they take any court action once a default drops off your file.

I realise by making those payments in 07 i have admitted the debt,and in doing so reset the clock.

What is the best way to deal with this,should i send a CCA request.

I have just received a staement from them,showing a zero balance on any debits or credits,it states it's the second statement but iv'e never recieved one before.

To keep the thread updated,i have resent the SAR request.

Nothing back as yet concerning the CCA request,no reply to the account in dispute letter.

Phonecalls have ceased,all has gone very quiet..............sly foxy planning their next move?

Hi, just to let you know position so far, I sent recorded delivery letter to Hampton Legal requesting a SAR the 12 days were up yesterday I have received a letter today saying they are investigating and will get back to me!!!, I have also received a receipt from them but only for the balances of the credit cards and not for the court costs, also received a letter from Kidderminster County Court claiming case closed as not enough evidence, where do I go from here, I need to try and recover the money back but want to make sure I am doing it properly

CCA is 12+2 days.

SAR is 40 days.

How low can muck hall go................chasing a dead woman for £152.

Even after they have been advised she's passed on,they persue it..............

Good luck with them OP,iv'e sent them running with their tail between their legs twice now.

Subbing as a hfo fan club member.

The Chiltern Hundreds is what is known as a 'rotton borough'. It has no registered constituents, no legal land ownership within the defined area and was created by Parliament to stick troublemakers into until they knew what to do with them... people 'under suspicion' could be assigned there too - all goes back to the Reformation days. Another one was Gatton near Reigate in Surrey,

 

(I did parliamentary history as a project at school in the dim and distant 70's.... still remember huge amounts of it!)

I wished i'd of paid more attention in my history lesson,that is quite interesting.

Now you got me interested in finding out more:-)

You think British laws are silly.

 

In Florida, you are not allowed to fart after 6pm on Thursdays. Waddya do-hold it till friday:lol:

That'll be some carbon footprint:lol:

My husband was called into the managers office on tuesday and given his letter of redundency,he works in constuction.

Yesterday i came across this.............are we being lied to?

To prove this, straight from the horse’s mouth, page 17 of the full Treasury report (para 1.15) states:

Repeat after me: “total public spending (Total Managed Expenditure) in 2014-15 will be higher in real terms than in 2008-09″. How do they get away with this? “Even after these spending cuts, total public spending … will be higher “. By any real world definition, these cannot be cuts.

I don't completely understand economics.........but this seems very clear to me.

It is also illegal to enter Parliament wearing a suit of armour which (obviously) increases the risk of dying there

Your quite right,crazy eh,who came up with these laws............the mind boggles.

It is illegal to die in the Houses of Parliament, this has to be my number one.

Shame that.

We also break the law every christmas day as it's illegal to eat a mince pie on this day.

This dates back to cromwell and still is law today.

You'd think my LA would know who lives at this address by now, the amount of complaints I put their way, I am one of those Grumpy 'old' men, at 37!

I'm going to check up on the new cold calling law and see if I can't shoe horn it into my complaint to them....it's good to moan.

They do know who lives at your address,it's just more threats to get us to conform.They don't cross reference council tax data witht the electoral roll.

Moaning relieves stress...........If your a grumpy old man at 37............i must be an old bat at just over a half century:lol:.

I used the cold calling law on a guy that called the other day from EON.

Iv'e put a sign up in my window with a picture of my german shepherd......No cold callers welcome......i can make the gate in 2 seconds........can you?

Carter sometimes seems to use Lowell (Red) for collection. Sure it’s not still Carter under another guise? The numpty is a masochist.

It may well be him, if it is he's not threatening court action whitch is the usual tactic ,Maybe i'll nip to ann summers and send him handcuffs and a whip and tie a copy of the statute barred letter to them.

Sometimes i wish my imagination were'nt so vivid..............yuk

Councils hold two versions of the electoral register,a full one and an edited one.

Since an amedment in the law in 2002 you can ask for your address not be shown.

Anyone can buy the edited version and use it for any purpose.

If my memory serves me correctly it purpose to begin with was for jury selection,if you were not on it it could be seen as avoidance.

I don't know of a case where anyone has been prosecuted for non compliance............but with push for everyone to be on it who knows what will come in the future.

Of course now it can used to check your address when you apply for credit.

It can also be used for law enforecment.

The basis now is just to spy on you.........bottom line.

Hence the reason i'm NOT on it and have'nt been for many years.

Cold calling..........i like that BB:lol:

Whats the going for a kindey these days BB,i know my gold teeth will fetch a tidy sum lol.

I have'nt checked my credit file,must do that,the original default dropped off in september this year.

I could do with £1000 right now.

Thanks BA,i'll send a bank statement when i re-send the request.

I recieved a letter from red for a statute barred debt.

The last i heard of this was from Brian Carter and fredericksons.

Saw him off after he threatened court action.

No default notice or CCA, from cap one.

Looks like it's been sold on even though it's been put into dispute.

Someone at red is not going to get their commision this month:violin: