I know there maybe various threads for this but has anyone had any luck after asking for a cca for an arranged overdraft with their banks?? Somebody mentioned you could do it but I dont think I have read a success story as of yet?

I CCA them on 1st Feb its now 16th what do I send next please Edit BUT its for overdraft and I have not read anything further on when you CCA a bank for an overdraft so dont even really know if its something one can do

LOL thanks guys,il send the account in dispute letter and wait some more

not my partners signature even though its signed in his name,what to do please??

My credit rating is shoot to pieces and I owe Provident over 1000! Lost my job and tbh they are not top of my list to be paid,got the bullying tactics and am now waiting on the DCA letters to start arriving. For me personally im not paying another penny,they can take me to court and we will see what happens.If they allow me to pay what i owe them minus the interest then il happily oblidge,if not they can go jump in the lake

The area manager and the person who used to collect my loan payments were both very rude to me,my collector told me my partners debt is now mine because we live at same address (i know its not) and the area manager just likes to turn up unannounced asking when we will be getting new jobs to re start paying the full amount.(both got laid off,partners a builder im a LSA) Well guess what Provident im not paying another penny,I know how courts dislike your interest rates so much so il see you there,with storys of how they also like to bully. OP ignore them and dont pay another penny to these bullys

I CCA'd these fools a few weeks back for a debt goin back around 5 years.No response just passed it onto BCW....not i send the account in dispute letter yes. Why do DCA choose to ignore you annoys me so much

The court is Northampton which is around 200 miles from where I live so my friend was hardly gonna travel all the way up there to begin with

Yes its me and yes i will do a SD but i was just wondering what his monkeys are like

Yea its not for me its for a guy who uses address as base while he works away.Its for a moneyshop debt and i assume ccj was issued as carters have put a warrent umber on the letter. Im not lettin them in im quite strong that way but just wondered what his baboons were like?

Yes its on HP from a garage,hes parking it in the next street for a while anyways

anybody had any sent round by the pile of dung that is Bryan Carte and if so wha were they like xx

Ta x

Ok thanks I will advise him to park down the next street and the car is indeed on HP,owes about 7000 on it,the bailiffs want to collect for a 380 quid debt.

So if a bailiff turns up he cannot take any thing within the house unless he has official court papers saying he can is that right? Having problems with Bryan Carter for a debt that isnt even mine,is in anothers name (someone who stays here when hes off work 300 miles away)hes not on my rent book,not on electoral role but because he owes MoneyShop 280 (plus their costs)and wasnt here to fill out what i presume was a CCJ (blue forms?)they are sending letters with warrant numbers and a ''we are sending the bailiffs round''.Im realy stressing over this

thanks

anybody....please...wanna get Abbey off my back.Sooooo are overdrafts covered by a cca request and if so where can i please find the template

Yes he opens them when he comes by from time to time,I live in he works away in Bristol

I believe my friend never did anything,kinda brushed them under the carpet and assumed they would go away he hasn't filled anything out.He has a car but its through a loan with Black Horse,he keeps upto date with them so they cant take that cos he doesn't own it right? So you suggest he looks on a cra (but they are not free are they).We have a magistrates court here so would i just go along and get the form signed there? sooo complicated :(

Thanks my head is frazzled

Gawd ...right the first time I wrote about these fools was for my debt thats all gone as they had no proof of the debt. :pThis new one is for moneyshop which is owed by a guy who uses the home as a bass.Im repeating myself I know but I just want to be correct in what i can do. He owns nothing in the house just uses it as an address for his post,hes not on the electoral role nothing. I believe he was sent a blue form which i am assuming he never filled out and now a ccj has been issued against him?This has now resulted in a warrant. So I should ring Northampton County Court and see if the warrant is valid?? How will I know,its getting all confusing and very worrying.Im ok with CCA requesting but this is getting stressful :-?:-?

Thanks il take a look xx

sorry to be dumb but is there a template to cca the banks re overdrafts?? thanks x

I know ive posted about this before but just re read the letter and it goes like this Account num- Claim num- Judgement Balance Outstanding We refer to our previous letter and your unpaid judgment debt. YOUR ACCOUNT HAS NOW BEEN REFERRED FOR ISSE OF A WARRANT OF EXECUTION UNDER WARRANT NUMBER ******* THE BAILIFF WILL NOW ATTEND AT YOUR PROPERTY WHICH MAY RESULT IN THE SEIZURE OF YOUR POSSESSIONS. Then the letter switches to how to pay etc and a web address fredpay.com. Now the letter is in a persons name who only stays weekends as he works 300 miles away and stays in b and b's. I know the bailiffs will probably show and im not going to let them in but the guy whos debt it is owns sod all in the house.Somebody advised me to go see a solicitor but I wouldn't know the sort to go see. How can i find out if this is a valid warrent number,should I just write to them and say the guy isn't here and does not own anything in the property? Getting stressed and extremely worried :evil:

Thanks that would be a great help