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jellycubes

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About jellycubes

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  1. Please follow the advice given Natash, you need to know what they are doing behind your back !! Update as soon as you have made that call please so we can help JCx
  2. That is good to hear then Moradin. For a moment reading those posts I thought you were at risk. JCx
  3. Hello Stand Remember to keep a copy of anything you write to them. Writing your offer shows that you are willing to address the debt at an affordable rate. If the funeral director still wishes to take it to court you will be made to pay no more and you will have a chance to go to mediation prior so you can offer this amount via the mediation team. You will get through this and well done for facing up to this difficult process. It must be an emotional reminder that you can well do without and once it is sorted you will be able to let this stress go JCx
  4. Well done on tackling this head on. It is so easy to be frightened or feel fear of phone calls, visits, letters etc. The truth is as you are finding out, you are being cash cowed. They prey on peoples fears and your accounts being put on hold general means as DX says they have been caught out and bye bye paying them anymore of your hard earned money. I did this and had all sorts of fears and now all this time later I look back and see that it was fear more than anything and the reality is I was cash cowed like you for too long but cag helped me wipe off nearly 28K. Keep hold of all t
  5. Irresponsible lending as you are finding is not tolerated by the FOS, CAG or the others that you are finding great results with. I had an ex who spent thousands of pounds of my money on gambling and despite initially being put of by the creditors, with the help of CAG and DX I had around £28K written off. It can be so overwhelming and I will be looking out for you. You have come so far already and the results are so positive ! Keep fighting x
  6. I have finally won justice for the institutional abuse of the worst kind. Took me years and lost my mind more times than I can recall. I am here now to post and support others. Debt, mental health, abuse etc... I can support and help others. I have referred others to the site, I always use the DX phrase ... Your cat has more power than the DCA This site for a number of years gave me the strength to fight. Humanity in my darkest hours. Freed me from significant financial abuse. You will see me around the site. I have always read here, been a back ground lurker as my case to
  7. Thank you for your replies DX had his light on at all hours and no Silver fox it never goes out:-D I had many times in a state of anxiety, paperwork that made no sense and he took so much of his time to help me and went above and beyond. Support I have found nowhere else like this site. I always read on here, so it was nice to post the final closure of this thread. I feel free finally. My doormat has no letters to set fire to in the garden. Andy put together a brilliant legal reponse. So many people to thank. JC x
  8. Just an update to say that all debt including barclays and a number of others have been written off. I now have no debt and all defaults removed from credit file. As you know from the above that MBNA was written off as well as 10k lloyds overdraft. This site helped me a my lowest and darkest times and a total of £27,900 has been written off. There is light at the end of the tunnel and I am forever grateful to DX and others who were there for me JC x
  9. Just an update to say that all debt including barclays and a number of others have been written off. I now have no debt and all defaults removed from credit file. As you know from the above that MBNA was written off as well as 10k lloyds overdraft. This site helped me a my lowest and darkest times and a total of £27,900 has been written off. There is light at the end of the tunnel and I am forever grateful to DX and others who were there for me JC x
  10. You are a wealth of support DX. Your stubborn light shines ! Thank you Jack for that supportive message. One battle fought and on to the biggest one of my life now. Keep fighting because without fight we may as well lay down and be walked over........... Those days are gone ! JC
  11. The case has been discontinued and the debt written off. Down to significant evidence and the green light of DX that has by the grace of god got me through some dark shifts. The journey has been awful, but justice prevails and this is the peace I need. Thank you DX... as the song goes ..there is a light that never goes out and I am humbled JC
  12. I have spoken to MBNA fraud team. I did so some time back but a representative said there was no CCA etc. After my call today which took its toll on my anxiety I have been told they have no record of a CCA, NOTHING. Infact they said the last contact they had was with a previous DCA. I didnt go into a lot of detail back then I was in a mental breakdown. One of many. I have today sent an email and will send a copy to the judge. I asked the lady at MBNA if I applied for a card would my name and address get me 10k. She said no an
  13. DX are you there ? ..... I am sending a pm due to sensitivity, I know not normal practice
  14. Yes DX the 9th of October. So they have made up the terms then. Yes I will point all the errors out. Surely they must tell the truth in a court of law ? I know I will be telling the judge the whole truth DX. Thank you for that information. As ever vital support, Thank you
  15. ok the terms and conditions they sent me state 12 pounds late fees and a different interest rate to what the reproduce cca which just contains my name address and a tick. the statements they produce on a spreadsheet state i was charged 12 pounds in 2006 yet the alleged cca which does not have my signature clearly states 25 fee. so not only do i believe they have made this up as if true the charges on the spreadsheet would state 25 pounds and also the interest rate in the terms and conditions does not match the one shown on the put together online application now forgive me but
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