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samu99

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Everything posted by samu99

  1. I've sent letter SB letter off to Weighman and not received any acknowledgement or response.... I will post again if I hear anything.
  2. Thank you. I will keep you updated .. Letter of to them today.
  3. Thanks 42man. Where can I find the standard letter please?
  4. Sorry, I hit the wrong button in error to reply. I thought so but wanted to make sure.These people are so rude. There is nothing on my CF.
  5. Well I checked my CF last year and recently and nothing relating to this debt is showing hence it may be SB. Should I send them a SB letter?
  6. I received a letter from Weightmans for their client Equidebt for a debt from RBS CC. I had received several letters from Equidebt offering discounts but I ignored it. I've checked my CF and there is nothing showing regarding this. The letter said I must contact their Commercial Recoveries team by 19 Nov at 4pm to arrange a suitable arrangement for repayment of the balance due. If you are bot in a position to pay the balance in full immediately, our client may be prepared to agree a repayment plan for you to pay the balance by monthly instalments. If you so not contact us, we will notify our client and they may instruct us to issue a County Court proceeding against you. In the event that the proceedings are issued, you would have an opportunity to defend the claim but, if you don't have a defence, we would pally a CCJ to be entered against you. We look forward to hearing from you. SHOULD I IGNORE THIS LETTER OR SHOULD I SEND A LETTER? If I should send a letter what letter should I send? Thank you Regards
  7. Ive had a look at an old Credt file dated 2009 and note a CC for Ltsb for the same amount Ruthbrdge that is no longer showing on the currect credit file for 2011. Should I just ignore the letters or send them the prove it letter? Regards SU
  8. Is it correct to think the six year for SB starts from the last day of transaction on the account.. eg. last payment?
  9. Thank you Brig, no it was a CC. Sorry I meant defaulted 15 July 2006. It was actually defaulted 8 months after missed payments hence I said Dec 11 SB. Would that be correct?
  10. Well, not 100% sure, however based on the CF report it showed start date 2003, date last delinquent July 2006, defaulted date 15/7/2006 the very old CF dated back in 2009 show a 6 in the month of May 2006 (which I think means 6 months missed before last payment and the D is showing in the month June)... totally confused... The new style CF report (I had done in May 2011) shows Status history 8.... defaulted 15/7/2011. so even more confused.
  11. Thanks for your reponse... so what you're staying then it does't make sense even sending them a "don't acknowledge debt letter" then as you said they don't respond to letter... My only concern is the Stat demand thing stated in their letter. i was put in this position before and don't want to go back there... thank goodness i managed to get money from family members to help hence not being made b/k. What happen with your experience....did it go away or have they continued to send the nasty letter? Was your SB?
  12. Good afternoon, I need some advice please. Last yearMay I did a credit search with experian to see check a particular DCA and now I received a letter from Ruthbridge just before Christmas from them with saying they trying to locate me etc and for me to contact them which I ignored. The alledged debt they are asking for is not showing on the credit file for the DCA they are claim is the client , however, a debt relating to Hillesden Securities which was SB according to my records in Dec 2011 (is a similar amount Ruthbridge is trying to claim the different is £1.42p more), not sure if this is it or not... I've now received another letter this time saying the following: they have received no response to their previous attempts to establish contact with you regarding the unpaid defaulted account above.... Client name DL & C : Assigned from LTSB balance £xxxxxx. In an effort to amicably resolve the situation we are prepared to office a discount to settle the balance up to 50%, subject to criteria. the payment must be received in our office no later than 16 Jan 2012 and would be accepted in F&FS of your liability and will also ensure that you are not pursued for the remaining balance, at any point in the future by us or our cient. If you fail to contact us to discuss this offer further, propose an alternative arrangement for the repayment of the balance or advise us of hte reason why you are unable to pay, we may carry out futher investigations into your financial circumstances with the possibility of recommending the most suitable legal action that our client could take to recover the o/s balance. Due to the size of the o/s balance and period of non-payment we could propose that our client looks into the possibility of bankruptcy as a means by which to resolve this o/s debt. Should our client proceed with this process they would serve a statutory demand notice and if payment is then not made within 21 days a petition would be served for the bankruptcy proceedings to take place 14 days later, at which point the court wold make a decision towards administering a bankrutcy order. Should the court decide to proceed with the order this may hten enable the Official Receiver's Office to gain possession and control over certain goods and/or property. We would rather resolve this matter amicably and ask that you contact us tomake this possible. If you are in a position to take advantage of our F&FS offer once the agreed sum has been cleared, our client where applicable will update the credit reference agencies to mark your debt as "settled". Yours sincerely, Mr Marcus Graeme Recovery Division Should I continue to ignore of send them a letter? Also, if I respond is it saying I acknowledge this alledged debt? Any advice would be greatly appreciated. Thank you...
  13. Any advice would be appreciated please. I checked my credit file last year with experian to see what is on there etc and haven't seen the alleged debt Ruthbridge is chasing me for. I received a letter just before Christmas to saying the are searching for me and if I am the person to contact them to discuss if not to still contact as they will still continue o write at the address. I ignored that letter. Another received today saying they received no response to their previous attempts to establish contact with you regarding the unpaid defaulted account above. In an reforest to amicably resolve the situation they are prepared to offer a discount to settle the balance of up to 50%, subject to criteria. The payment must be received in our offices no later than the 16 Jan an would be accepted as full & final settlement of your liability and will also ensure that you are not pursued for the remaining balance at any point in the future. If you fail to contact us to discuss this offer further, propose an alternative arrangement we may carry out further investigation into financial circumstances with the possibility of recommending the most suitable legal action. Due to the size of the outstanding balance an period of non payment we could propose that our client looks into possibility of bankruptcy as means by which to resolve this outstanding debt, the letter goes on to talk about SD notice and 21 days petition would be served etc. The would rather resolve he matter amicably. Any advice as to what to do? Regards
  14. Season greetings, just an update. HFO was ordered to produce some documents with an unless order. Unfortunately for HFO they couldn't so the judge strike the claim out of court. Fingers x they don't apply to reinstate the claim. Also, I've send witness statement to OFT. I would like to take this time to thank you all for all your help and support.
  15. Thank you. Just to give an update I've made my complaint with OFT and they want to speak to me
  16. Hi Coledog, Apologies for late response. I'm currently seeking legal advice, yes I've made my complaint with the OFT about HFO. I will let you the outcome as soon as it's available. Thanks for your help
  17. Further update. I received N150 allocation questionnaire form today. Can please advice me how to complete it? Thanks. Regards k
  18. Thank you GH, I will fight to the end. Am I correct in saying they are not pursing your claim anymore?
  19. Okay, I will get on to him but don't they have 40 days to response with all the details with a SAR request? I have to check but I think they have another 8 days.
  20. Hi DB, Answer to all the questions is "no". I did called B'card awhile ago and was told it was sold to HFO Capital and they can't tell me when but for me to contact HFO... also I requested SAR to B'CARD and only received copies of statment nothing else.
  21. Good evening, Just an update, TR has decided court action to my local court. I now await court dates which I think will be sent to me automatically from my local court.
  22. Hi Coledog, Just to give you an update I received an acknowledgement from the court re my defence an it stated Hfo have 28 days from receipt to respond to the court failing that it would become stay or they would have to reapply to the court. Do I have to do anything or should I just wait? Also, should I apply to the court re my CPR letter of which they have not comply? Any advice would be appreciated. Thanks.
  23. Thanks Coledog for all your help it was much appreciated.... I will get back once I hear anything.
  24. , Yes, I think you're correct but I will check tomorrow. I am really nervous about these dates even though I shouldn't. Thanks. Everyone on this forum has been so kind and helpful to me and I really appreciate all the help sincerely from my heart.
  25. Okay, I will call them tomorrow to get a more definite date. From my calculation, claim dated 10 may + 5 days from that date (14 May) will or should be the date it was served, then 14 days to acknowledged (which I've already done) and 28 days from the date of service to file defence. I think from my understanding, i may be wrong. My dad's funeral is Monday and my mum has asked for the whole family to go away for a week after the funeral hence I am anxious to get it done by weekend.
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