yep!

thought so collections dept DO NOT CALL THAT No 08456006283 or you will end up in a call center in india! i have a formal complaint ongoing reguarding thier misleading letters demanding payment

right i presume the letter from **** is demanding full payment? does the letter have a ref no CLSOL1? AND PLEASE CONTACT 0845 6006283

Comic letter from Robbers Way

anything sent by these bunch of muppets are indeed comic

hi, jdes i suspect that they can continue to add interest for as long as like to, are you making any payments to the account?

Just an update for you, received a letter this morning from Albion Collections dated 16th Sept 2010

 

It says that halifax are taking further action against me to recover the debt and if i dont make a payment halifax bank may take fund from my current account or any joint accounts i hold.

 

This seems strange because i was told the it was Blair Oliver & Scott who were dealing with it?

hi, albion and blair &co are indeed the same bunch of muppets, they are indeed the halifax , is the letter from albion sigend matt ball .

hi, it is most important that you cancel any d/d you have set up on your account, if you use internet banking you can canel them with instant affect , if not go to your local branch and cancel them, belive me capt daniels and his crew of pirates at lloyds tsb will indeed rob you blind with these fees:-x. this indeed happened to me in a very simular situation to you. i then found cag and from the great addvice of the members here i learnt to fight back. never again will lloyds tsb rob me!!. please cancel the d/d

hi, in your current situation i would offer a token payment of £1 per month. i dout very much they will write the debt off. i presume that the cause of this debt is made up from there greedy charges ! iam in a simular situation with capt daniels and his bunch of pirates at lloyds tsb i send a £1 p/o each month and indeed they are lucky they get that! do not worry if you have no assets there is little they can do.

Today I have fallen behind with personal loan and Lloyds credit card. I'm now on JobSeekers Allowance and I cant afford to keep up the repayments.

I intended to contact the Bank and explain my situation but I want to know what is the minimum amount I can offer to pay them monthly, or in other words what is the minimum they'd accept?

 

Many thanks

hi, offer them£1 per month ,never phone them up to disscus anything get everything in writing, i recently sent them a letter explaining my situation which is indeed simular to yours and a p/o for £1 . they have cashed the p/o.and i will continue to send a £1 p/o each month until my situation changes, dont let these fools worry you .

hi, what they have sent you is a copy of an application form, did you recive any terms and conditions with this application form. i only recived the front of an application form and a set of recon term and conditions? after sending the account in dispute letter i have recived requests for payment from moorcrap and crapquest. both of which i declined it seems that the dca merry go round will go round and round,

Morrcroft have sent me there intended litigation letter and having looked into it it appears its another one for the filing cabinet.

However, when I originally CCAd Mint 12 months ago and posted up the CCA I was advised that it may be enforceable (but to be honest Im not sure even now if it is or not)

Green & co, Allied and I think triton have all tried to recover the debt but they have all crawled back into there little holes and all has been quiet. Allied offered me a settlement by letter last month and today the Pre court letter came from Moorcroft.

Are they likey to pursue the action if they believe my account in enforceable or should I ingore them too??? please advise!!

ah the famous pre court division letter , i recived 2 of them from moorcrap, i totaly would ignore maybe they will send a pre what to do next letter.

hi, jimbo thanks for the reply i did put the account in dispute with the halifax, it seems that i am on the dca merry go round i have learnt a lot from cag and all the great members on here. if capyquest intend to play hardball then i indeed will also. i will not pay them 1 penny!!

just an update, have recived a letter from capquest requesting payment:lol: i have sent them a cca request andthey sent back the same copy as in my first post, any ideas as to my next move thanks

hi, steve i would send the halifax a formal letter of complaint, as blair @co are indeed the halifax. i had the same problem with blair @co i made a formal complaint to halifax , and i did in fact recive a prompt reply. i decided to complain to the fos after there final responce, so this will cost these bunch of muppets £500:lol:

hi, the pic is to small to read, however this looks like a application form for a visa card, write back to the halifax and ask them were is the copy of the original agreement, you requested in your cca request. when was the card taken out? have you any ppi on this card? also any charges on the account?

As far as the debt being "charged off" goes, this does not prevent them from enforcing the debt through the courts; so yes they can still take you to court... but then the question is; when they get to court, do they have their paperwork in order?

 

I still can't get my little laptop to let me read the "agreement" properly... I'll have to wait until I'm at the desktop with a proper screen and printer.... hopefully other's will be along with their opinions on it in the meantime....

 

Cheers.

UF

thanks uf , so it looks like a waiting game now, i did receive a pre court division letter from moorcrap just before halifax charged off the account and not heard a peep since:eek:

BC should provide you with the a/c data (but not necessarily copy statements) which you are able to readily understand.

 

If the data sheets include codes which you can't identify, or there is any data missing like PPI info, write back to BC and say their response does not provide the data to which you're entitled in a format which you can readily understand.

 

Accordingly, would they now provide copy statements or a key to their codes.

 

If you require clarification about PPI, ask for this too and give them 14 days to respond.

 

Well, cheque I sent for SAR has cleared today and guess what, it's gone through for £20 instead if £10, i've been in touch with my bank and they can't do anything until tues so will have to ring back then. I can't believe this, this is sooooooooooooooo fraudulent, has anyone else had any probs of this kind with barclays before and what can I do about it?

 

How many days do they have to reply to my SAR request?

"Charged Off" is just a term to describe the process of writing off a debt as a bad debt for tax purposes. Unfortunately the debt still exists and can be enforced.... so long as all the other paperwork is correct etc.

 

Also I'm struggling to read the small print on the scan you've posted.... I'll try and enlarge to and see if that works.

 

Cheers.

UF

thanks uf, when you say can be enforced can they take me to court?

It is an application form and is void of any prescribed terms that I can see, so it is unenforceable.

thanks for the quick reply, halifax have put a default on my credit file, so i now will have to wait and see which **** dca will chase me:rolleyes:. also in the sar papers halifax say that the account has been charged off?? any idea what they mean?. many thanks

this is on the rear of the first scan

after a cca request to halifax in oct 09 they sent a copy of a recon version, after sending a sar request in april 10 i have recived this back yesterday in the bundel of papers from them, any idea if this is enforcable, many thanks

hi, slick

i was hopeing to get info from them on the axa ppi that is on this account, but on the printout it say no data on insurance, funny i have been paying ppi since the card was taken out in feb 2002 when it was a morgan stanley card then goldfish, now barclayshark. i thought if a sar request is made .

that they should send all the info they have? i have only recived a long printout with lots of codes on it? i have disputed the account with mercers and have not payed them until they sort it out. thanks for your help.

sent sar request to barclays,no cca agreement or any statements have been sent, just a long print out of account history, shall i now send a cca request?

i bet capt daniels and his merry crew at lloyds are top of the list..

iqor - complete idots. not even had a letter from them. a text message then a missed call

yes you are indeed correct, after reading about them on the forum they are idiot muppets, these fools will not be getting 1 penny from me.