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rabbi62

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About rabbi62

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  1. Good Evening people. I would really like some help/advice regarding an issue with Iqor. I had a debt with halifax £5000, I agreed with Iqor I could pay £150 per month as its all I and my partner could afford, my partner lost her job and I contacted Iqor with Income/Expenditure to say we could only afford £75 per month. I recently lost my bank card and awaiting a new one I missed this months payment of £75. I and my partner both got a call from some complete ******* called Barbera from Iqor, said I had to pay the remaining balance of £1900 or I would default again and they would ta
  2. YEs thats correct I CCA Cabot and they then passed it on to another company called allpay ltd. I have not spoke to allpay ltd yet, I have only contacted cabot regarding the disputed amount.
  3. I HAD A CREDIT CARD WITH MONUMENT, I DEFAULTED ON IT IN 2004 CABOT FINANCIAL CONTACTED ME SAYING I OWED £1300, BUT THE DEFAULT AMOUNT ON MY CREDIT FILE WAS £784. i RANG STRAIGHT AWAY TO DISPUTE THE AMOUNT OWED. CABOT SAID I NEED TO PHONE MONUMENT AS CABOT DONT ADD CHARGES OR INTEREST ONCE THEY HAVE THE DEBT. I PHONED MONUMENT AND THEY PASSED ME BACK TO CABOT, CABOT THEN SAID THAT THEY HAVE THE RIGHT TO APPLY CHARGES ETC UNTIL A PAYMENT PLAN HAS BEEN AGREED. IS THIS CORRECT CAN THEY ADD INTEREST? THANKS
  4. thanks for the replies. they agreed via email. I have printed everything off and saved emails. I refused to talk to them on the phone as I could not record my calls so I demanded that they contact me via email. I sent them 9 emails and it took them 7 days to finally response to me. They kept calling my phone at work at home and sending me letters and charging £12 per letter. So toofiegap how do you reckon I can get my money back, what do I need to say to them/threaten them with OFT?
  5. I took a loan with mr lender for £255 a few months ago. I lost my job and was unable to pay the full amount back. I emailed them and we agreed that I could make payments of £30 to clear the balance, I made the first payment on 30th july. Having checked my bank account today, the BASTARDS have taken 4 further payments of 50, 90, 110 and 5.28 to clear the balance. I tried to phone them and they would not help. I tried to phone my banka nd they cant help cause it was a point of sale transaction. Is there anything I can do, i have a young child and no money until the end of this mon
  6. Sorry do u mean when was the last time I used my credit card? if so that would have been probable the beginning of 2004.
  7. JUST A QUICK QUESTION. CAN A COMPANY CHARGE INTEREST AFTER AN ACCOUNT HAS DEFAULTED? I MEAN I HAVE A MONUMENT ACCOUNT AND THE CREDIT LIMIT WAS 400. IT DEFAULTED IN NOVEMBER 2004 ON 899. WHICH I ASSUME ARE AMASED CHARGES. BUT NOW CABOT FINANCIAL ARE SAYING I OWE £1348. i SENT THEM AN EMAIL AND THEY STATED THEY DO NOT ADD INTEREST ONCE THEY HAVE BEEN PASSED MY ACCOUNT. SO I EMAILED THEM BACK AND SAID WHY ARE YOU ASKING FOR £1348 WHEN IT DEFAULTED ON 899.. THEY THEN CONTRIDICTED THEMSELVES AND SAID THEY CAN ADD INTEREST. WHAT IS RIGHT AND WRONG? THANKS
  8. its been 11 days now since my CCA letter was delivered to ruthbridge and i have still had no reply.. What do I do next, do I assume they cant get a copy of my original aggrement, (if so what does this mean for me) or do i assume they might be taking it to the courts, (again what would that mean for me) appreciate the help
  9. LOL.. well he kinda dropped himslef in to it about the standing order.. the first time i phoned he said they didnt do standing orders or D/D then a week later I phoned and he said i needed to have a LLoyds bank account to do D/D which i know was bull****.. There whole company is a Joke.. I have sent them a CCA letter a week ago and have yet not heard anything back from them.. i cant wait for there response..
  10. Have just checked on Royalmail website and my CCA letter was deliver this morning and guess what... Mr Jason aka Dickhead has been trying to call me frantically..lol
  11. I have sent off my CCA and will keep you informed.. 2 questions though.. 1) What should happen if i get a response letter saying they dont have the original agreement. 2) What do i do if they send me the original agreeemnt
  12. Thanks everyone for the advice i really appreciate it.. i am going to write them a letter this evening again showing income and expenditure and again offer them a monthly payment.. ( do you think i should include the 1st months payment in a cheque)
  13. thanks.. that was another thing i needed to ask.. they say the amount is 1397, but i wrote to Monument (which is owned by Barclay Card) and they said they refunded me almost £500 in charges and interest.. But in telling Jason this he didnt want to listen and said i had to pay the full amount..
  14. Good Evening everyone.. I apologise in advance as im sure there will be numerous threads regarding this company, but everyones cicrumstances are different.. i will try to keep this brief and as much help as possible would be greatly appreciated. I had a credit card with Monument about 5 years ago.. The debt was passed to Cabot financial and now on to Ruthbridge.. Had all the threatening calls and letter from them saying i need to pay with in 18 days in full or else.. I wrote to them advising i could not pay them in full and would be able to pay a monthly amount. I enclosed
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