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Everything posted by Hussy786

  1. I m chased by the lowells as well but I m 9 months away from SB , Please guys advise me what shall I do ? They bought the debit from Crap one
  2. Sb is status Barred means a debit older than 6 years can't be pursued
  3. Hi all Lowell has bought one of my old account ( last payment made 5 years ago ) and they are chasing me madly . Please help as I can't afford to pay . I know SB period is I year away still and I have asked them to provide the purchase agreement between them and original creditor but they refused it saying that it is neither necessary for them nor they are bond to do so . What shall I do ? Can a third party ( Lowell ) take me to the court ? Any help please as I can't sleep at nights and stress all day which is ruining my health ( type 2 diabetics )
  4. .................................................... Hi all > moorcroft dealing with me on threatning letters and stuff > any help or advise be greatful about this data protection stuff ? santander once sent me a default notice and a notice to someoneone else in Bristol ( i might have this info ) i owe them 1000 personal debit do you think i could threaten them with that to get my debit of 1000 wiped off? only thing is that the charge me 0%interest but i missed few payments and in arrears with them which they keep sending me default notices to put black markers in my file > any h
  5. Hi ALL : thank you for your continued support and help> I have some updates which i would like to inform you all my friends and seek further advice. Now MBNA and crap1 has stopped me chasing up but couple of DCA s are threatning me court action and costs > one is calld CMC and the other is moorcroft debit recoveries> I also came to know a new fact(WHICH I BADLY NEED TO VERIFY OR CERTIFY BY YOU GUYS )that i have been told by two gents who work for DCAs and personally told me that unless i negotiate nd agree some payment plan with THESE DCAs there is nothing they can do in the court ,
  6. Hi All I am passed on by experto to CMC and they offering 50 % off debits or pay what can i afford even a £10 monthly blah blah and also have offered to pay the same amount to MBNA as I make payments ie If i make £10 payment they will make £10 payment If I pay £50 they will pay £50 ( Aww so nice and kind ) for month of dec and jan . or keep continuing payments of £10 and they will review my circumstances evey now and then ,,,,,,,,,,,Experto failed to get me SAR instead they sent me internal call log althouhgh i have made payment for SAR to Experto. Onething i want to know they offere
  7. LB145 could you please pm me as well as i am struggling to find no win no fee solicitor I be grateful
  8. Hi All Experto credite has suuplied me the cca (microcopy) which is ten year old. I admit the form filled with my own writing etc. and it looks genuine but copy. anywy now they chasing me up for 8k but they have not sent me subject access report although they have confirmed that they have received my request and fee. I strongly believe that i have paid them more than i owe to (MBNA) morally and this amount they want is all BS and interest and charges etc. I am diabetic and on a very low income (self employed) Please advise how can i go ahead from here witout SAR. Please advise
  9. Hi All I received a letter from Experto Credite to make a payment on MBNA credit card. I would not go into detail but I am in the same boat as everybody else. No CCa no SAR nothing and refusing that they have any request from me . Anyway I rang experto and the man was not very helpful instead threating and I have told him unless i see anything solid from MBNA i would not discuss the matter further and he said that ok i get that sent to you but once we have done that we will be demanding full payment straightway blah bah. Their letter states that they know where Am I? what I do? and wh
  10. Hi Sunflower and Jet Thnk you for your continued suuort. I am really grateful
  11. Hi Jet I have also tried to copy and paste your letter to fredrickson ,so i can send them as well but it seems coy protected could you please email me through Pm or can give me a link where I can copy and paste it. The above link does not work at all. I shall be grateful to you for this act of kindness. Hussy
  12. Hi Exchange Jet and Laura Thank you so much for your encouraging support . Fredrickson wrote me another letter (by their lawer Brian clarke and co ) asking me to negotiate otherwise they will get discharge order from court etc against the home (the house is in my wife s name though since novermber 2009 ). just for interest even if they have valid cca against me can they take home? Tthank you so much for your support.
  13. Hi All Crapone has got a DCA known as Fredrickeson International and they call themsalves FPC . They have been threatning me action and one of their firm of solicitors have written me a letter stating they will take action against me blah blah I have actually borrwed 3800 from cap 1 over the years and have paid them 5700 by direct debit. Paid 2000 worth of PPI (which I have claimed and they offered 700 refund and i have taken them to Financial Ombudsman service . I also have paid them 1000 in charges and late fees. I still owe them 11000 ???????? anyway now this FPC which is d
  14. Hi cerberusalert Thank you for your encouragment. will do. Thanks ever so much.
  15. Hi Chrisbyz Please do so as you have been just advised. I would like to add up a great tip which has helped me and I barely receive any call from them. Refuse to verify your post code date of birth and they can not proceed with the call due to data protection. Ask your lady to refuse to talk to them as she is not account holder anyway and they cannot discuss your matter to her according to law, Insist that you will communicate in writing ONLY. keep us posted.
  16. Hi cerberusalert Thanks i have found the post and it seems similar what i have got. Crap 1 has passed my account to FPC a DCA who kept threatning me and now has written me to help if i ring them and set a payment plan etc? I also have received subject access report from crap 1 and added the actual amount i borrowed (spending on the card ) and it comes up about £3800 then i added up direct debits (payments made ) and that comes up £5900 . on a moral note i have paid them already. the intrest late fees and charges have not added up by me yet and i still owe them £10k.... so this £10k
  17. HI Jet Thank you for your reply. Post no 8 of yours or post no 8 of this thread? please help
  19. Hi All Capital one has sent me CCA with my signature on and it seems genuine so I am not disputing it any further, They also sent me subject access report which I have been working on this morning, I will summarise all this here. A .I have actually borrowed £3400 from them (the total usage of card in 6 years ) I have added every penny of every transaction made by me. B, Then I have added all the direct debits payments to them and that totals up to £5700 . This is just simple calculation, Money borrowed = Money paid That does not include interest charged,late payments,c
  20. Hi Thanks all I am sorry to post in MBNA thread but I have very important update for you guys and want an urgent advice, Capital one has sent me CCA with my signature on and it seems genuine so I am not disputing it any further, They also sent me subject access report which I have been working on this morning, I will summarise all this here. A .I have actually borrowed £3400 from them (the total usage of card in 6 years ) I have added every penny of every transaction made by me. B, Then I have added all the direct debits payments to them and that totals up to £5700 .
  21. Hi sunflower Thank you for encouraging words. almost exactly samething happend with MBNA .they threatend charging order through a legal firm and then reduced the debit to 3k from 9k if paid in 60 days as final settlement . Told them cannot afford a penny today they have written me a letter offering all the interest frozen no further charges and set up standing order and pay the amount i wish to pay etc but the ccount will still be classed as default. If they defaulting me anyway so what is the point of paying them? any advice on this one will also be highly appreciated . thanks
  22. Hi all Receved threats from capital one s driscle brothers FPC and demands and calls and told them politely to bug off as their client could not sent me the signed copy of cca and subject access report. They said they are going back to crapone and let them deal with me. any thought or advixce will be much appreciated
  23. Hi all Thank you. yes i have sent them dispute letter and they have asked for time to provide me SAR. Yes credit file they screw even when you miss or make late payments. they all have screwed it and i am mentally ready that it will remain screwd for 6 years. To be honest that is what started the war because i was paying them through my nose when i could but still they make notes on my credit file if i was late in paying or something. As by law they are now in mess why should i pay them I rather should fight. The maximum damage they can do is to damage my credit file which the
  24. Hi I thgink i sent forms or something? not too sure
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