Hi there Need some advice please. We bought 2 Sofas of BAYV 2 years ago and their is currently 11months payment left, during the last 2 years we have had them repaired 3 times and unfortunately it needs repairing again when the repair man came out he advised us that it was a manufacturers fault and it would continue to be needing repaired. On his advice we refused the repair and he sent a report to BAYV to state this fact, they have been back to us saying that we are entitled to a like for like replacement which in fairness we don't want this as we don't know what we are getting, and we don't know where it has been. I've asked them if we could keep the settees and not pay anymore and terminate the agreement in which I am waiting for a reply as yet. Advice needed on if I stop payments can they legally repossess or have I paid enough on the agreement to stop this.... Thanks in advance

Hi There I have 3 iphones that I purchased from Perfect Homes and they are all over 12 months into an agreement that is for 24 months. I have recently lost a lot of income per week due to the benefits change as I am on ESA Support and PIP. Question is if I am unable to pay can they repossess the phones or block them, and how would I go on about getting them on a smaller weekly/Monthly payment? I,m not saying I don't want to pay but we can only pay what we can afford. The amount due per week is £52.00 Thanks in advance

Had an LPF Credit card which i disputed strongly the amount owed, which was been dealt with by Loewlls so i asked them for a CCA Request. Now because they couldnt supply it they closed the account, and this morning got a reconstituted agreement from Barclaycard saying i still owe it and although they can't enforce it they can still ask third parties to demand payment. What should i do next please. Thanks in advance.

Thank you very much..... I'll start the process again today.

No i didnt! but i did get a letter of confirmation that they were going to the original lender to try and retrieve it so they have actioned on my request. should i do it again and enclose a postal order for a £! Thanks

Is there a letter template that i can use.

I'm sorry it was a CCA request not a SAR. So should i stop paying until they can provide it. The chap said that i would be subject to interest if i stop paying. Are they trying it on as they can't really do anything and is there a letter that i can send telling them?

Hi Needs Help Please... Got a very old Beneficial Bank Debt from 1994 in which i have been paying £1 on. I recently sent them a letter fo a SAR which they have rang me to tell me that they are unable to provide and i should continue to pay a £1 as they can deem it as an unsatisfactory request and £1 isn't going to break the bank and because i have been paying it i have acknowledged the debt. What should i do next please.... Thanks in advance.

Hi Guys Just had Moorcroft on the phone saying that they have been notified by credit agencies that there has been a change on my credit file. Then asked if i had some HP and said that was probably it, but is this a way to ask if your circumstances have changed to up your offer, curentlt paying £1 a month on Natwest OD. Thanks

Oh yes got all the right paperwork, just won't discuss the accounts have they have a different date of birth.

Yeh Sorry! Mean,t BOS It's an Halifax Current Account Overdraft.. We also have Halifax Credit Cards and Loans which have all been sold to CABOT.

Once again thanks for your quick replies.. No the first instalment is due to leave on the 17th to Cabot.

Hi Guys Need Help.... To cut a long story short Halifax/RBS has sold 4 accounts to Cabot in which we are paying a £1 a month on we got a letter of Cabot to change our standing order with there new Ref No. so it goes to there bank account. So i did this for them to leave our account on the 17th of each month as it was before. Got a letter this morning saying that we have missed our first payment so i rang them and confirmed my details BUT... they have a different date of birth so would not divulge any info on the account and they want me to send my birth certificate in. What should i do? Is this possibly a way out?

Thanks It was all done in a phonecall with customer services at 3 and it seems funny how they cant find the recording of that call?? you know for fraining purposes, i've actually asked them to trace it but all they do is pass it back ti Lowells

Hi Was does a DCA do if you continue to insist that the account is in dispute? This is in relation to a 3 broadband account in which they terminated early due to to very poor service and have chased me for the last 6 months billing adding up to £202.50 by passing it to lowells. But all i do is keep saying its disputed. Thanks in advance

Thanks very much... just wondered if i should expect a doorstep visit? already had the little yellow postcard saying there calling on wednesday som weeks ago and nobody turned up. do you think they'll go to court even though i've got it in dispute?

Ok guys need Help! Had a letter from CSL said they have had a final warning and may take me to court to recover a debt of £202 for a three dongle that i have held in dispute has they cancelled the contract in march due to coverage issues i have no written proof of this only a phone call with an advisor that three seem to don't want to check there backlog of calls. done all the right thing has with dispute letters etc just wondered if anyone can tell me what to do next please. thanks

Yes Well said.... Thanks

Thanks Bazooka Yes i thought so... Any preference of Motorway HA Ha. Thank you

Hi everyone advice needed please. Got an outstanding catalogue debt which they have agreed my offer of £1.00 per month but i am not working through ill health and am now registered disabled and won't work again. Now to honour this payment they are wanting a doctors letter to prove my illness are they entitled to that not that i've nothing to hide i just think this is a bit too far. Thanks for any advice given.

ok will do . Thanks

I've decided to wait and see if they send me to court.... I'll put my defence that they wouldn't accept a £1 a month so i was waiting to see what the judge would rule? All my other creditors have accepted this... Do you have to attend court and put your defence forward?

Thanks Once again.... I really do appreciate the help.

It's not court that worries me it is the fact that i have very little defence, with the fact that i have had the goods and not paid them since June. However i did say that the account as only gone to dispute because they wouldn't accept a £1 a month. And also all our other creditors are getting a £1 a month except two of them and we are working under the advice of payplan but they have been very little help not like the advice on here. I would like to express my thanks once again it does take the worry away.8-) Do you the think that this defence is good enough? What would you guys do?

Just wondering what the proceedure is if they go to court. can anyone help with this.. Will they send Bailiffs... Thanks