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About OnSkidRow

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  1. Thanks for the link, that's really helpful I had a hunch that this was the way to go, but just wanted a little confirmation, and that letter certainly saves me typing up something :grin:
  2. I got a letter from Wescot just over a week ago, asking for confirmation that I was living at my current address. No other information other than that, so I wrote back confirming address, included a little about my circumstances so they would be aware of my health issues, stated that I did not know of any reason why they might be contacting me, and asked if they could clarify why they were 'attempting to make contact'. Fast forward till today, and I get a letter requesting that I 'confirm the last three addresses I have resided together with the dates vacated'. The letter also mentions the
  3. Copy and paste them this ACCOUNT IN DISPUTE Date: Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I am in receipt of your letter dated XXXXX This account is in dispute with **original creditor/DCA** and has been since DATE . Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My previous dispute from **DATE** has NOT been answered. As **original creditor/name
  4. I can understand why the decision went in the bank's favor, afterall, if it is an unauthorized overdraft, on paper, it is reasonable to apply a charge for it. However, in practice, it is not. I think that people with accounts without overdraft facilities should be issued with Solo cards so it would be impossible for them to go overdrawn, and accounts should be set so that going over an overdraft would not be possible. Of course, that is not going to happen... One way you can get back at them though, is to go to LloydsTSB and open an Islamic bank account. While going overdrawn still incur
  5. I was just wondering what the consensus is about providing proof of illness to these clowns? They sent a letter a while back, stating that if I sent them proof of my illness, then they could set me on a reduced payment plan, so I sent a copy of my then-current doctor's note. The next letter from them totally ignored that, making no mention of the reduced payment plan, and stating that they couldn't help. I gave them both barrels with a letter calling them out on their inconsistency, asking them to wipe the balance, and that attempting to take me to court would cost them way more in cost
  6. Send a request to Link for a copy of the CCA. Also, never ever ever speak to them on the phone. ONLY communicate with them by writing. I've got these monkeys tied up in knots at the moment, so chances are, they will not have a copy of an agreement, so the debt will go into default. Once it is, there's nothing else you need do...
  7. I think if I was going to do anything along that line, I'd want to make it a formal paid request, so they legally couldn't ignore it... I'll think on it over the weekend and see what I feel like doing monday Thanks for all the feedback, folks, it's very much appreciated
  8. The one thing I can see, is that the date they are 'requesting' a payment by, is the date which the letter was signed by their representative... In effect, they are demanding a payment which you cannot possibly make within their timeframe, so would be automatically in arrears of that agreement. Personally, I consider that to be an unfair practice. I recently had a letter like that, where they demanded a payment the day after the letter was dated, and the day before I actually received it... I wrote them a fierce letter, and they agreed to accept payment on the day I told them, rather than
  9. That's very interesting to note, thank you I'll see if I can spare the pound to do so... And even if they do produce one, I can always then send them the letter templates offering token payments
  10. I don't see how a debtor could sell a debt... Who would want to actually buy the hassle from the debtor? That makes no sense... I would have thought it would have been a case of having to pay the person to take on a debt, not the other way round
  11. They've contradicted themselves... They state that their records show the opening date of the account, yet they previously state that they cannot find a copy of the executed agreement... I may be wrong, but surely they would need the agreement to prove the date...? I don't know the ins and outs of such things, but I'm sure someone else here will tell you the best way to take these incompetents to the cleaners
  12. The debt's less than 5 years old. I haven't CCAd them for two reasons: 1. They're the original creditor. 2. I can't spare the pound... I forget which DCA was handling it, but it would likely have been returned, due to them getting absolutely nowhere with me, due to my circumstances. Might the transfer of the debt between that DCA and back to Capital One have made any difference with regards the CCA?
  13. Yeah, that did make me laugh that they would do that So you think a token payment of £1, and then see where they go from there?
  14. Not too long ago, I received a letter from Capital One, stating that they had recieved the debt back from the debt collectors, and would be resuming collection themselves. Accordingly, I wrote them a basic letter explaining my circumstances, and today, received this reply: Dear Poor person... Thank you for your recent letter. Unfortunately we can't help you with your financial difficulties as you have broken the terms and conditions of your Capital One credit card agreement and we have sent you a default notice (I am presuming this was sent some time ago, and potentially los
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