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hornigoldfamily

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About hornigoldfamily

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  1. we had our house repossessed around 2 1/2 years ago and it was subsequently sold for below the market value leaving a shortfall in the region of 25k. We have heard relatively nothing since apart from a few letters. They are now chasing heavily for this including people coming round to the house from a company called Field Call. We took the mortgage out with Future Mortgages who i believe sold out to the company that repossessed (can't remember the name but it started with an 'E' trying to remove all thoughts from my head as the repossession was the last thing after being put on Statutory S
  2. Hi Thanks for the replies, This is a slate account which is run through barclays. I do not have a debt management company as i have done this all so far myself using national debt helpline website as a guideline. regards
  3. We have come to some arrangements reference a Debt Management Plan with our creditors. Two have stopped interest and charges to our account now we have been paying this for 6 months however two still remain adding interest and charges. This is totally cocking the management plan up reference timescale as the debts are not reducing as planned. Is there any letter i can send to address this? Regards hornigoldfamily
  4. Further update on this. I have now received a rather pleasently worded letter from a CALDER FINANCIAL who are based in Liverpool the same as mercers. I have sent them a copy of the account in dispute letter asking them to hand this back to barclaycard. Anybody else had any dealings with this CALDER FINANCIAL??? Regards hornigoldfamily
  5. Quick update on this one. It seems that this account has now been passed onto Mercers who i believe are part of Barclaycard???? This outfit are insistant on phoning us up constantly and will not take the hint over the phone this account is in dispute. What can i say to them over the phone??? Regards hornigoldfamily
  6. Just to update on this one. it seems that this has now beenpassed onto Moorcroft who has sent me some rather delightful threatening letters.......(FOOLS DO THEY NOT KNOW THE POWER OF THE CONSUMER FORUMS). I have today sent them the letter stating the account is in dispute and kindly asking them to pass this back to next so the matters can be resolved (Which we know can't as they do not have a CCA). Is it just a game of cat and mouse now with them just sending threatening letters trying to prevoke a response. Where do i stop if anywhere sending letters back? Regards Hornigo
  7. Can they update my credit file negatively as in one of the letters it states "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."
  8. Many Thanks Cerbuerus, Do you suggest me sending this letter to all three i have posted on here BArclaycard, Next and Allied/Lloyds ?????
  9. I sent these the following letter which was recieved by them on the 14th Oct 2009 : Dear Sir/Madam Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the prov
  10. I sent these the following letter which was received on the 14-10-2009 : Dear Sir/Madam Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s
  11. I sent them the following letter recorded delivery which they received on the 14th October 2009 : Dear Sir/Madam Re:- Account No: XXXXXXXX/Your Reference Number: XXXXXXX This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my req
  12. Do i take it i just carry on ignoring the calls then as these are now coming thick and fast.....any advice would be great
  13. All letters have been sent to relevant parties but the one who has sent nothing through at all has started hassling us by phone now. What do we say to them on the phone or just carry on ignoring it??? Regards hornigoldfamily
  14. I will try and make this as short and concise as possible. Bought a new Peugeot 207 for my wife in 2007 which had been paid every month until i got laid off in January this year. I have kept them fully informed and paid bits where i could. In August i came up with a payment plan with them as i had gained new employment. They suggested that rather than me phone up every month they would just automatically take it from my card if i agreed which i did. I have no internet banking , My bank has gone onto paperless billing and i am juggling money around on a weekly basis as i have a lower
  15. P.S sorry....should i send all communication recorder delivery???
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