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Crazy fella

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Everything posted by Crazy fella

  1. I just recieved an exact same letter today from DM ltd. From reading this post it looks like this company does the walk as well as the talk. Im going to send a CCA which i have already done once. Sent recorded delivery - and they state they have not received it. Anyway - so i will try again. But i can see a solicitors letter on the way from them again just like "Staichey". Bit of a concern. I was wondering - whats the latest on this so far Staichey - did u succeed in holding them off ? i was also wondering if - offering them a £1 a month would keep them off my back. I owe £6202 to Cahoot. I ha
  2. ok - i cant seem to get them uploaded so they are legible for reading. well - will have another go tomorrow. off to catch some Zees.
  3. ok heres the rest PGH 7447 cheers again.
  4. hello again here is the info as jpg's regarding the Barclay card agreement. as you will see - there is only an historic agreement copied and also - i think this is a cause for issue - there is no Max Credit limit set. Well - see what you think PGH7447 - i await your opinion & advice. kind regards - thanks in advance ! CF ok thats my max for this post - will see if i can add the remaining to another post in a mo.
  5. Hi guys - all lots said whilst i been away from here few days. PGH7447 - thank you for your honesty - means alot - but also bolsters your your rep. Very similar circumstances to me. If i may - i would like to go off subject of HSBC and refer to my Credit Cards for the moment then. i say this because i think my HSBC Loan is pretty concrete. although i did there is no ppl on this one. i do have ppl on a HSBC loan just prior to that i think - that may be worth returning to subject on later. anyways - my cards 1. Monument ( Barclay card owned i believe ) - £3400 approx - no on
  6. Thanks PGH7447 - thats super advice and friendly understanding too. I think ultimately i have to go bankrupt at some point. i could possibly fight the credit cards and get a few wiped judging by what i have read in here over last few months and info i have gained. However this would still leave me with £19000, which i still cant manage. i think the hsbc one is pretty well sewn up too with regards to the credit agreement paperwork. not as hap hazard as the credit card companies. when u say bad state - was the debt as much as mine - or more - without being specific. have u managed to c
  7. thanks for the help Tawnyowl i think i know i got go bankrupt, i just cant afford to pay out to do it myself. we were trying to get savings aside with my wifes wages for christmas, but we just used that to fix the BMW and now the tumble drier - and incedentally the abs fault light came on - the bmw - so thats gonna cost some more !! im at end of my tether. give it few more months then i may do it. what a great holiday im having this week with the kids - NOT ! - terrible weather, and no money ! my parents lent me their camper van to try and give kids some sort of hol locall
  8. hi PGH7447 i have gotten close to filling in the forms 3 times over last 2 yrs i think. I worry about them taking the kids stuff. Games consoles, tellys, etc. i think i know its the right and only option left but it does not make the unknown any easier. The bmw is in my name because cheaper to insure for wife to drive so she can go to work rather than insure in her name which is more expensive. i then own a van in my name too which i use to go to work. our working hours differ so we cannot share same car. ok - so - if i stop payment to all - they will go to court. bailiffs will then
  9. Hi PGH7447 it may seem that my posts are a bit abrupt and rude - its not meant that way - i do appologise - im getting edgy by the minute i think. I was thinking of that. but will they go straight to court or will they issue letters for bailiffs then send bailiffs first ? also - does a 1998 bmw 523i with 230,000 miles class as valuable ? tellys ? games consoles of kids ? printer ? stereo ? i could empty the house of such valuables and if they have to take it - take the damn bmw. i cant see another way.
  10. Makes no odds to me whether its £1 or £5 - it keeps them off my back. i know how to keep them away. Im just wondering whether its such a good idea - and whether i should go bankrupt. Only that means i have to fork out another £500 to sort the forms and the process. The CCA will just stall them for a while - they have come up with a historic copy for barclaycard, - but that seems like another can of worms - check ouy my other thread. Crazy fella v Barclay card. It does not seem to be a solution, just slows them down for a bit. I dont have the money to go to court. but points to t
  11. Hi PGH7447 Im paying Rockwell. No PPL HSBC took all the interest off - and gave to ROckwell to claw back the £19000, originally it was £25000 or there abouts. the other debts are £6000 - Cahoot Flexi Loan £6200 - Barclays Card £2200 - RBS Card
  12. Hi Tawnyowl. im a mechanic, i earn about £26000 a year, about £1619 a mth after tax and pension paid - i should be well off on that but it dont seem to happening. my rent is £650 a month, electric £60, heating oil, £100 a month because we rent a farm house which runs an oil fired rayburn. they will not fit a boiler - i tried that one. Fuel costs for my car about £20 a month, mobile is £20 a month, car ins £15 mth, hobby - £30, Child support - £230 mth, building contents insurance £7 mth. dentist fee plan £15 mth, Council tax £104 mth, car tax £400 a year for one car, land line £30 mth, in
  13. Hi ICE BLUE not sent CCA to RBS, - for the mo they have accepted the £1 a month. I want to try this out with Barclay Card first - as they are digging there heels in so badly. i feel torn between my morals and just trying to get on in life, as i know i run up the debt, but - i need to look after my family, and my mentality too ! Looks like i will have to argue again for the original agreement . do i still offer a payment ? looks better if it goes to court does nt it ?
  14. Hi to all ! Well - this is one of my debt problems among many. Ok suffering debt problems i have been using my credit card to bail me out as i go along. My income should cover my expenditure. however as i am only human - in some instances debt i my own fault, other instances - the car breaks down, the tumble drier, the fridge, a wedding to go to, birthdays, christmas, vet bills - they all do there bit to push tip me the balance over each month and soon mount up over the year. ok here we go - i owe HSBC £19000 for a loan i just cant afford pay full stop. i have for the
  15. Hi to all ! Well - this is one of my debt problems among many. Ok suffering debt problems i have been using my credit card to bail me out as i go along. My income should cover my expenditure. however as i am only human - in some instances debt i my own fault, other instances - the car breaks down, the tumble drier, the fridge, a wedding to go to, birthdays, christmas, vet bills - they all do there bit to push tip me the balance over each month and soon mount up over the year. So down to nitty gritty. I have a barclay card debt of just over £6200. The card was originall
  16. hi there guys - lots of advice great thanks - a lot is what i already know and some is new but confusing. now i was hoping to start my own post in the first place - but i cant seem to see a button on here to actually do this. it would be much easier as the details would be more specific. etc. can someone help me just to start a new thread ? i have sent a request to the Forum itself but - i think maybe they are very busy at present. if some one can help now - great - if not - not worries - i will wait for a response from the moderators. thanks CF
  17. Hi KATE DOG, Thank you for your reply - i am very grateful - but - Your post does not really add anything to my query. i have already submitted a CCA request and got copy of terms and conditions - but no signed agreement. now if you go back to the beginning of this specific original thread - it says that by law the CCA request means nothing - so they can carry on sending me unsigned agreements. only way according to this thread is - take them on in the court. this is what i want to clarify. if i need to go to court - then i have lost full stop - as i cant afford such expenses
  18. hello - there im a newly registered user, however i have been reading these forums for advice for many months now. Im hoping you can offer me further advice. I owe numerous debts to credit card companies. £19,000 loan to HSBC - i have sorted a £5 a mth agreement with collection agency Rockwell. £5000 flexi-loan to Cahoot, - on going payment gesture of £1.61 a mth, RBS Card - just accepted £1 a month direct, Barclays - offering £1 a mth. So i am managing to hold them off. I have done so for the last 3 yrs. However - my query is - Barlcay card threw Mercers Debt collectio
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