Hi Brig File states started 04/ 1997, but it was taken out in 03/98 and it says it is a Credit/Store card

took card out in 1998 no PPI as i always refused it don't know about charges as no statements, defaulted in 2008 then passed to Link was going to send CCA as found a letter from Crap One a month before it was defaulted offering a discount on the balance owing but only offering to mark credit file as 'part settled' I sent a letterback to them saying as they would not mark as settled then it could not be taken up and offered pro rata payments they said they would except the payments for 6 months but then the letter from link arrived 5months later link statements keep telling me i am in arrears with my payments,and would like the full balance, but they are all upto date so I ignore and just send a £5 per month

The letter I got from Link states that they are now the current owner of the outstanding balance, as of Dec 2008 Carp one assigned the balance to them under this assignment the full balance due under this CC account is payable to Link But all the statements sent from Link say it is a Loan Agreement

Hi all I was thinking of sending link a CCA for a Cap one account. but on checking my paperwork I noticed that they have it marked as a 'Loan Agreement' but it is a Crap one Credit Card, so do i use s77 or s78 or should I miss them out and go straight to Carp one thanks

well done that company

They let him out next day, guess what, he now gets in cars drives round the block, and gets out again. anyone want to buy a house??

never!!!

thank you Brigadier

I have asked LLoyds(under Cputr 2008) to confirm if they have my oh original CCA or not they keep replying with ' we will send it when we find it' should i now send them the 'I will pay you when you send it' letter

thank you

Hi can anyone tell me if i am able to close my royalties account even though it has an arranged overdraft still running we are paying 30 quid into it a month but the intrest and charges taken mean it is only going down by 3/4 each month we dont even use the blasted thing as we were forced into taking it years ago by some idiot of an advisor at the bank, when we were having a few problems (before the major ones took over a couple of years later) and we then changed banks as the overdraft was eating all the income, rbs said at the time that we could not close the account as we had to pay off the overdraft or should i just write and say can't have it aint got it witts

we had a lad across the road who did dodgy deals from his bedroom window, played boom boom music so loud with his windows open you couln't sit outside argued with his girlfriend an silly oclock in the morning We gave up hope of selling our house. Joy of joys he was raided yesterday and taken away in handcuffs, I waved him off

my nob heeed of a neighbour has been raided by the police and they took him away in handcuffs peace reigns, no boom boom music or dodgy dealing

you could also contact the natonal debtline they could maybe help with the question of you tax credit used to pay off the debt witts

Hi moneyspinner i'm sure someone will be along soon to help with your problem, you could point out their mistake and ask them to get a refund of the payment. my only dealings with the cccs were years ago, they helped work out our pro rata payments, but because we owed so much £100.000+ the said we should sell our house to pay off the debts. I ignored them and sent offers to all our creditors some agreed some threatened to take our house, but up to today,7years later, we are still living in it and still making pro rata payments to all creditors, although some have been passed to DCA's. so you could do it yourself, but can you put up with the hassle of phonecalls good luck witts

it is now poster size, framed, and am thinking of putting it into an exhibition of modern art

have received an apology from CSL, the person that received my earlier letter did'nt pass it on to the correct department that person has now left the building, they will make sure i am not harassed again we wait and see

wax strips ok then

wire brush and detol

is he a long term lover from liverpool?? sorry couldn't resist xx

my neighbour over the road who was 60 at weekend, who burst into tears when i took over a birhday cake,

watchin, not being rude but pm me with what size you are as i am a size xx large and am emptying the wardrobe and could have something of use for you, free of charge, i will even pay the postage. xx

the pilchard brain over the road, who seems to think that the entire village wants to listen to his bam bam music.

thank you bb x

How about dear compleatly stupid ltd this is a formal complaint and i request a copy of your complaints procedure when you send your reply acknowlageing this complaint within 7 days i enclose for you a printout of the calls you have made to me since march 2011 you will note that you are calling me every day mon-sat, sometimes twice a day even though i sent you a letter stating that I WILL ONLY COMMUNICATE WITH YOUR COMANY IN WRITING a copy of the letter is enclosed a complaint has already been placed with Trading Standards and The Office of fair Trading if you continue to Harass me i will be taking the matter further with court action now if it is possable that you have someone in the office that can read please note again DO NOT PHONE or TEXT remove my number from your databank, if you wish to contact me IN WRITING ONLY FURTHER HARASSMENT WILL RESULT IN COURT ACTION