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Angelfish*Helen

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Everything posted by Angelfish*Helen

  1. Thanks everyone… I think I just panicked because I have never got 2 so close together. And the fact they are not even showing as an outstanding debt on my credit file, worried me (MBNA aren’t even on there). I will keep ignoring… For as long as humanly possible… Then HOPEFULLY by the time letter Tennis starts, it will take me into the 6yr holy gate. I will keep you updated should the ‘bottom feeders’ contact me again. xXx
  2. ... SQN are the donkeys for EquiDebt, after a bit of light googling... EquiDebt are the 'Big Guns'. I'm inclined to return to sender, as if I admit I am me.... It will start a long line of letter tennis... Prob resulting in me being broke, again. AND as for the discounts, they sent a letter last year offering it as less than half price!! Just none of the letters have been as 'scary looking' as these two... if that makes sense. xXx
  3. Have these bottom feeders basically brought a debt? Do you reckon I could hold them off for 2 yrs, lol... Try and go for the 6 yrs!! ... Also explains why Equidebt searched my file numerous times in a 3 month period.
  4. ... Well, Can't scan, as scanner has decided to play up... Typical. They have sent one EquiDebt, 'Written as they have contacted me before'... Basically, you owe this amount - please contact us to set up an arrangement. I returned to sender, as I have done with the letters from SQN, ''looking for this person on urgent matter''. Now they have sent another SQN, saying... Our correspondence recently sent to the above address has been returned to us marked as GONE AWAY. Then in HUGH LETTERS, it says: ''OUR INVESTIGATIONS INDICATE THAT YOU ARE STILL A RESIDENT AT THE ADDRESS. YOU HAVE TO CONTACT US TO SETTLE THE ABOVE OUTSTANDING BALANCE.'' It continues... ''This is a REGISTERED DEBT and you HAVE to contact us to SETTLE THIS BALANCE. If you contact us now we can advise you of the discounts you are entitled to. Contacting us now will prevent further action'' Do you think I could try a return to sender again?
  5. I wrote to Virgin in 2007 and asked them to write off the debt or delare me bancrupt, due to EXCEPTIONAL CIRCUMSTANCES... I was hospitalised for over a 6 month period & provided Virgin with medical reports that for 2 years I wouldn't be able to work.... I got NO REPLY. I decided to get my credit file & see IF I owed Vigin anything... would have been around £3000... But they where not on there, so I presumed that they had 'written it off'. Then I get this letter after nearly two years of sending back, ''we are trying to locate my name'' letters from SQN, who I now know are owned by EquiDebt. xXx
  6. I think it was August 2007 {just before I moved here}... Do I send a 'Prove it letter'? I really can't afford to pay anything... I live on the bread line as it is, and as a single person, I don't get any help/tax credits etc, nothing. :'(
  7. HELP! Received a threatening letter from EquiDebt & Debt isn’t on my credit file with Experian. I have received a letter from Equidebt and they are saying they have evidence I live at my current address {must have been from Experian} and I owe MBNA over £4,000!! I have lived here for nearly 4 years & got my credit file last month & nothing for MBNA or ANYTHING near that amount was on my file... In fact, ALL accounts were registered as ‘Satisfactory’… NOTHING had MBNA, nor was anything near this amount. What do I do?? SURELY, if this is a registered debt it would show on my credit file?!?!! HELP. :’(
  8. Hi, I phone them {withhold my number} and tell them that the person no longer lives here!! They ask my details – I say no as I don’t know who you are or what you want. They ask if I have a forwarding address – I say no, this is a council property, ask the council. They then leave me alone… until another 6 months pass & they send another letter! VERY SLY… They searched my credit file, NUMEROUS times in just a 3 month period!!
  9. Thanks for the info... I'll do that..! But what or who is the ICO {sorry I'm Blonde, lol.}
  10. WHY are they allowed to do this?? I have just got my credit file & seen the had they have 12 x 'Unrecorded Enquiry' entries ... Why are they allowed to do this?? I dont OWE THEM money?!?!! they are just a bottom feeder making money from people who are already in debt!! I have also seen 3 defaults, all of which I thought would be Stat Barred by now... As last contact was over 6 years ago... But the defalts were only registered 1st 2007, 2nd 2009 & 3rd THIS YEAR!!! Does this mean I have to wait ANOTHER 6 years for these to 'fall off' or can I contact them that the debt is disputed, over 6 years old & get the defults removed?? Thanks in advance.
  11. Thought I'd update you all! Every 6 months or so I get a letter for them, either at my address or my parents address I just call them {private number each time} and say she does not live here & NO don't know where she is!! I then get a letter to offer to clear the old debt at half the price of the original amount!! I then call them & say SHE IS NOT HERE... And they go away for awhile!! Hoping I can use this tatic for another 1.5yrs & then the will be Stat Barred... If we can still do that! lol.
  12. ... I received a SECOND one... Exactly the same on Wednesday... Just THREE working days later... I returned it to sender..!! If they can not have the decency to SAY what it is they want I will not reply..!! I'm not even on the electrol roll here, after just moving... Nor do I have ANY bills in my name, so not sure HOW they got this address... Underhand tactics they have indeed. xXx
  13. Hi I'm a newbie too. I found this... I believe it to be the letter you send once they don't send a vaild cca. Re: my request under the Consumer Credit Act 1974 I DO NOT ACKNOWLEDGE ANY DEBT TO YOURSELVES OR ANY COMPANY YOU MAY REPRESENT & THE ACCOUNT IS DISPUTE..!! Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter. My request remains outstanding. The items you sent in your reply, does not constitute a true copy of any credit agreement that may or may not have been signed by me on the opening of this account. It neither confirms that I am liable for any alleged debt to you, nor gives me any chance to evaluate whether any original agreement was ‘properly executed’. I still require you to send me a true copy of the original credit agreement that you allege exists. As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law. You had until XX/XX/2008 to provide me with the true copy I requested. You are now in default of my request. Any account I hold with you is now in legal dispute. Whilst the account remains in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agency. To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this. The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Whilst you remain in default of my request, you are not permitted to take any action against this account. This includes adding further charges and passing any information to the credit reference agencies. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me. I look forward to your reply. Yours faithfully Hope this helps..!!! xXx Good Luck xXx
  14. Hi all, When sending a letter for a CCA {found template on here}... What exactly is it the CCA {if it arrives} needs to supply..? {if you can explain in 'bimbo' language, that would be great, lol}. I just need to know so WHEN they reply... with or without one {I have the second template ready for if one doesn't arrive}... But have NO idea what a 'enforceable' one should contain. I have also today received a letter from SQN ..? ''Trying to locate me'' & can I call them They have more chance $h*t*ng on the moon than me calling them..! ... Looks like another debt coming to bite my somewhere in the ar$#... So Just want to be prepared, lol... I'm ready for a fight..! Thanks for any advise in advance..!! xXx
  15. ... Oh & too my knowledge NEVER dealt with 'Cabot' like the others have said..?? Unless an old debt has been passed down twice..?? Can that happen..?? Thanks in advance.
  16. Hi... I have just come home to one of these letters..!! I do have a few dca after me... sadly NOT stat barred..!! I wont be contacting them... there is NO info on the ''contact urgent'' letter... WHEN they contact me again do I send the ''I do not acknowledge any debt... please send signed contract'' letter..?? xXx
  17. Hi, I was just wondering how you are getting on/got on with this..? I am having the same problems myself with capital one..!! They NEVER reply to a single letter... Just constantly sent automated letters..!! So frustrating..!!!! Hope you have now got your issue sorted.
  18. ... Does this mean are defaults etc ''fall off'' after this date..??? :-D:-D:-D:-D:-D:-D:-D:-D:-D
  19. I believe they are... Only are realising due to this site... As I have not contacted or heard from them in 7 years... Now I'm in a position to get a mortgage etc, just wanna make sure my report is now clear. Thanks for your help...!!! xXx
  20. Hi, I got my Credit Report today & have noticed that MBNA {I did owe them money - over 7 years old} & a company called LOWELL { NO IDEA WHO they are..???} Have searched my report SEVERAL times in the last 2 years..??? I haven't given any of these companies permission to do this, even those I owed money too - as I have avioded them for the last 7 years. Can they do this...? I thought your credit file can ONLY be accessed IF you give permission there & then ONLY...? Thanks in Advance..! xXx
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