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

Sb is status Barred means a debit older than 6 years can't be pursued

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 ) Please all help I be grateful Thanks

.................................................... 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 help?

Thank yoou so much Laura

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 ,,, IS THAT TRUE? the original creditors mbna and Crap1 has stopped bothering me for a year now but these DCAs are doing my heading and threats > HOW FAR THEY CAN CAUSE DAMAGE TO ME IN COURTS? all i need the answer for this. Please Help >>>>and mbna has even sent me a statment (the last so for ) where it shows balance outstanding 00:00 and when i mentioned this to a DCA who is chasing this debit up on their behalf they said i should send them a copy of that as it could be a computer error blah blah. Shall i send them copy? or they want the copy to get more info > i told them i present this copy in court when you will drag me to the court and the guy on the phone said it means nothing as it could be error but he was not so confident when he said that and insisted i send him the copy . what should i do? please advice

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 offered me the option of Bankrupcy ( what is their interest if i go Bankrupt ) Sometimes i feel so stressed with threatning calls and letters that i think i should pay a £10 every month to avoid the stress but then get scared that by doing so i may enter into another contract for life and why i should pay them while i have paid them more than i actually borrowed and these are all their sky high interest charges and late fees . why they dont provide me SAR . I offered experto and others that after studying sar if i still owe them i make payments somwhow at no more than 7 % interest charge etc . what should i do? I need an urgent and safe advise before i committ myself to anything regretable . ( I dont have any property on my name my OH removed my name from home and mortgage papers last year and is the sole owner of the house)] Please advise me what i should do i dont want to make some silly decession or mistake . please please help as you always do .

LB145 could you please pm me as well as i am struggling to find no win no fee solicitor I be grateful

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

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 where Am I hiding from them blah blah It is quite scary . please help as i am upset and have no money to pay ........ IVA Bankruptcy and debit managment all beyond me as i am unable to afford any of these. urgent help please

Hi Sunflower and Jet Thnk you for your continued suuort. I am really grateful

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

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.

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 debit agency threating action against the address i live (the house is aint mine anymore it is my wife s name). I rang FPC up today becasue they gave me 48 hour notice to pay up othetwise they gonna start litigation? I rang them up and eventually they offered me Interest freeze ( AT THE MOMENT)17 pound a month direct debit and review now and then to see if i could pay up extra,,,blah blah I asked how long i have to pay she said at this rate it will take 53 years or so. she refused to give me any guaranttee that the interst freeze will stay forever or they would be any additional charges in future, shall i enter into such agreement with them? Are they just harassing me or they have a case against me? I have paid cap 1 more than i borrowed . (I admit the cca sent by cap1 to me is accurate .the form is filled and signed by me and it is genuine ). I told the DCA that if you take legal action against me the court will only order me what can i afford to pay . which may be £2 a month etc.. But the girl said well you dont know nobody knows aht can happen blah blah I am scared shall i be or shall i not be? do they have case and get the home i live? Or they just bluffing? Please all help with your kind advice as i am very upset and feel like killing myself. please tell me shall i say yes to £15.85 or NO I dont want to get into more trouble than I am in now. Please please help,

Hi cerberusalert Thank you for your encouragment. will do. Thanks ever so much.

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.

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 is all interest charges late fees balance transfer fees etc . what should i do? please help

HI Jet Thank you for your reply. Post no 8 of yours or post no 8 of this thread? please help

Hi Thanks uNFORTUNATELY I DONT HAVE SCANNING FACILITIES BUT WHAT THEY HAVE SENT ME IS AN APPLICATION FORM FILLED AND SIGNED BY ME SEEMS GENUINE i AM SO UPSET

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,cash withdraw. Balance transfers and PPI premium and any pentality fees and charges added to the account. So on moral note I have paid them £2300 extra already. But i still owe them £10500 . Now they have contacted a DCA who calls and threatns me 5 times a day. Please people tell me what should I do? Do I have a case ? would justice be done to me in courts? please help.

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 . This is just simple calculation, Money borrowed = Money paid That does not include interest charged,late payments,cash withdraw. Balance transfers and PPI premium and any pentality fees and charges added to the account. So on moral note I have paid them £2300 extra already. But i still owe them £10500 . Now they have contacted a DCA who calls and threatns me 5 times a day. Please people tell me what should I do? Do I have a case ? would justice be done to me in courts? please help.

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

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

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 they already have. (why i need credit again in life again after all this ). any more helpful advice will be apprecited. Although they have written me to give them 40 days for subject access report but they have passed my account to DCA called FPC and i have told them it is in dispute etc please advise

Hi I thgink i sent forms or something? not too sure