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About NearlyDebtFree

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  1. Right all time for an update. Since my last post I sent a F&F settlement letter (on condition of default removal) via recorded delivery to The Co-operative Bank on the 08/04/10. I received no response and thus decided to resend the same letter on the 21/04/10. This has also been ignored. On 12/05/10 I received a letter from Westcot informing me that they were now acting on behalf of the Co-op bank and demanding full repayment of the debt within 14 days or face legal action etc. On 20/05/10 I sent them a copy of the F&F settlement letter that I initially sent the Co-op. This a
  2. Got a letter back from Co-op on 18/03/10 with a copy of the default notice they sent me. They also reiterated what count orlok stated above, that the CCA does not cover overdrafts. Notice looks legit so i'm going to send them a F&F settlement offer on condition of default removal now. Will keep you posted,
  3. Hi - It is definitely registered as a default. With regards to overdrafts not being covered under CCA, from reading other threads I was under the impression that as it is still classed as a credit service (separate from a current account) a CCA request would still be applicable? Note that the original letter was primarily disputing the fact that a default notice was never sent out, using an adapted version of the template from here: http://www.learnmoney.co.uk/credit-file/remove_default_notice.html
  4. Hi all - I apoligise for not updating this thread in a while but it's been quite a hectic couple of months! Further to my last post I sent an initial full and final settlement offer letter to Robinson Way on 17th December 09, and have not heard anything from them since. On the same date I also sent a default-letter-was-never-sent-out letter to the Co-op. As I now live at a different address they wrote back on the 4th Jan 2010 saying they could not comply with my request as the address was different to the one they had on their records, and that I should write back to them
  5. Just an update to let you know that after sending a letter to ebay threatening to sue for damages etc they have completely removed the debt. Cheers for all your help everyone!
  6. Bazooka Boo - Should I send the account in dispute letter now, or wait until I hear back from the CCA request? Hardupnotfedup - The debt is for £50
  7. Hi all - thanks for the input. I received another letter from Iqor today telling me that they have received my CCA request and that they have forwarded this to ebay, so we'll have to see what happens. Just some background - the money they are chasing is regarding ebay seller fees - problems with paypal forced me to issue a refund for an item outside of the ebay / paypal system. I informed both paypal and ebay of the situation at the time and they told me that as soon as I sent them all the relevant documentation confirming proof of refund through their online system they would
  8. Just a quick update but I have now sent an initial full and final settlement letter to Robinson Way on condition of default removal and have also sent the default-letter-was-never-sent-out template letter to Co-op. Will let you know as soon as I hear something,
  9. Iqor have been chasing me for a disputed ebay debt for a while now and I could really do with some help dealing with them. I sent them a CCA request on the 18/12 via special delivery which was signed for on 21/12. On wednesday I received a letter dated 22/12 from Geoffrey Parker Borne telling me I have failed to pay the debt and a CCJ may be issued without further warning etc. Should I ignore this letter and stick with my initial CCA timetable, or respond back? If so is there a template letter I can send? Thanks,
  10. Hi - thanks for the prompt response. I called them yesterday and explained the situation but unfortunately they've refused to budge. I'll just have to pay the balance and then join the others with the whole SAR / County Court thing. Cheers,
  11. Hi all - I wonder if you can help me. About 4 months ago I went £20 overdrawn on my A&L account (£150 overdraft limit). Having not been at home during this period I came back to find that the £170 balance has been increased to £386 as a result of penalty charges levied on the account. Do you think I would be better off paying the balance in full and then reclaiming the money via SAR / County Court letters or is there another way to talk to the bank about getting the penalties removed and getting my account up and running again? Thanks in advance,
  12. Hi, Thank you for all your help - it is greatly appreciated. So should I send the CCA letter to RobWay first and then depending on their reponse follow up with a full and final settlement offer? Or would it be better to write to Co-op?
  13. Just a quick update but i've checked my credit reports on checkmyfile and it shows that a default has been issued against me every month for the last 12 months since the account was closed and sent to Robway! Is this normal? I thought that once the account was closed they couldn't continously place defaults on my file? I assume it's RobWay placing the defaults...but i've never made any payments to them before so I don't understand how I could be in default?
  14. Hi all, About a year ago I faced some financial difficulty and went £1k over my £2k student overdraft with the Co-operative bank. Unfortunately at the time I took a "bury my head in the sand" approach to the problem, which has resulted in them placing a default on my credit file. Since then the debt has been passed onto Robinson Way who have been sending me letters to pay the debt in full or face legal action etc. I am now in a position to pay the balance off in full and was wondering if it would be possible to get some advice on the best way to do this, as I would ideally like
  15. That sounds great - thank you! I'll send out the letters this week via recorded delivery and post an update as soon as I hear back from them.
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