ive taken on this for my mother. Long and short of the query is she took out cover for a dishwasher to be fixed with D and G. - D and G agreed to take over the appliance which is over 12 years old if they could fix. - came out twice last year, first visit asked for some plumbing to be done, second visit a fix was done but to unsatisfactory standards. - the appliance still leaks and the door was fitted back on incorrectly. - i stopped the direct debit due to the poor work and asked for it to be written off due to poor service - since then we are getting alot of chasing letters asking to reset up ddi as the plan needs to be honoured as a repair was done. failure to do so, the debt will be passed onto their 3rd party engineers. do i have a leg to stand to in regards to this or is it wise to pay the balance. i feel we have been cheated with the service.

fantastic. i cannot see a template but have rustled up a letter. will this suffice? Dear Sir/Madam, I am writing to you regarding irresponsible lending for the two debts you hold for me: a/c numbers and amounts. Both loans were taken out in 2011, at a time where i was suffering from financial difficulties. -Loan A was provided despite me having a payday loan rolled over with the same company -Loan B was also provided and rolled over despite having at least 4 other payday loans open at the same time. I feel although i was irresponsible, the lenders at the time lent me the money far too easily leaving me in financial trouble with multiple debts and interested added. I look forward to your reply in this matter. Yours Faithfully, SB2027

brilliant, thanks dx. is there a template in the library for this? does irresponsibvle lending cover DCA taking over the debts? thanks again.

Hello and happy new year all! been a while since i have logged on but i have some queries on this lot. i have had 2 MMF accounts since 2011 - one for a speedloan account and another for National cash advance which i believe have stopped trading in the uk. are these likely to be written off? i already had my NCA account merged with 2 pdl debts which i claimed as SB and they wrote them off. i currently pay £1 a month on both debts

just read this post. i have had 2 MMF accounts since 2011 - one for a speedloan account and another for National cash advance which i believe have stopped trading in the uk. are these likely to be written off? i already had my NCA account merged with 2 pdl debts which i claimed as SB and they wrote them off. i currently pay £1 a month on both debts http://www.consumeractiongroup.co.uk/forum/showthread.php?473426-Wageday-Advance-and-Myjar

threat so far bazooka. but i will SB the letter thans - dx

Hello, not sure if anyone has heard of this company before. Long story short - i sent in forms to claim PPI for an old account in around 2009/10 (long before i did things myself). I received a a refund back from Nationwide which they sent me directly. Bank smart claimed they were owed a percentage back then of around £80. i made some payments to them uptil 28/7/10 then heard nothing until yesterday with a threat of CCJ and court papers if nothing paid in the next 10 days. The debt of £80 they say will increase to £300 plus. do i ignore them? have the a right to collect and is it likely they will send out court papers?

thought so dx. thanks for clearing

My last CCJ is 6 years old on 15/9/2015. will this automatically fall of my CRA files or will i need to apply?

yes he got just short of £1k he got but he accepted all the same. so, do i just send the non acknowledgment of money owed? money paid in PPI should actually be wiped off the debt? thanks for advise.

OK, I need to revisit this thread and ask for some advise. My friend got his payout in the end and ceased the £10 payments a few months ago. Idem/Arden are now asking for £1000 which they claim is remaining on the account. Credit record is clear, this debt has dropped off. How can i get through to this company that surely no further monies are left to pay?

i shall log a complaint to FCA against Cabot. Many thanks for the advise. it is appreciated.

ok thanks for checking DX. I take it just wait to see if they start action again?

that was part of the statements sent. the letter just advises as per my request..........here are your documents

Here we go.

still not had chance to scan but will attempt to at weekend. cabor have sent me the following: all statements back to June 2007, last payment May 2010, digital signature and application details along with agreement and full terms which is pages long (photocopyed) is there anything in particular i should be looking for? im a little concerned they will start the court process again.

Yes will do tomorrow at library. I'm a little insure what they have sent. Looks like photocopies or terms and conds along with statements and online apo

had a reply from Cabot today some 6 months after original defence. Cabot have sent me statements going back to 2007, a reconstituted version of my credit agreement which they claim to be true along with copies of digital signatures. They are giving me 14 days to reply from 4/3/15. i was not sure reconstructed agreements are eligible?

rechecked my CRA today. experian and equifax are clear but Oakham have updated Call Credit. opening balance £500, monthly payment £120. account opened Jan 2014 current balance £1490. d/f sept 2014

ok thanks for the advice. i shall sit tight and wait to see if i get a request for funds

ok, do i just leave it and wait til they ask me for any money?

hello dx, not on my credit file but defaulted. it is one of a few debts a have left to pay but im not willing to pay £1300 for a £400 debt. i will read the post you have attached.

will do. just emailed complaint. update as soon as i get a reply.

i will do that now. thought it was dubious and after my card details! thanks for your advice.

I have a debt which i took out circa Dec 2013. debt amount was £400 but i never made any payment back on account - i have heard nothing since they sent me a settlement letter for £1300 last September. I want to make payments or settle the debt very soon but am unsure how to approach this one. Any idea what letter i should send please?