Thank you, so do I not send a cca aswell?

Hi, I sent the letter in writing, but I will still keep a log if the calls. Also is their a template that I can use for claiming back charges from the catalogues? Do you think I should send a letter to Aktiv & Cougar asking for proof of debt? Thank you

Well here's something interesting, I had a call from Equita today, they said that I still owe £108.68 & I need to make the payment ASAP as the bailiff will be round to take further action, then they said oh & there is a further £450 outstanding, I was flabbergasted, they said that if I pay the £108.64 they would be prepared to set up a payment plan for the rest. I contacted the council, they told me that as far as they are concerned all my payments are paid & I have nothing outstanding with Redbridge, they have insisted that I have to deal with Equita as the council think its for equitas charges, what a joke.

I have paid the amount of £208 as stated on the letter I received from Eqiuita, I also emailed them & asked for an acknowledgement of this. It's interesting that the £208 is very different to the original amount they stated. So I shall see if I receive any further letters .

Thank you for your replies I will try & get as much info as I can & post it on.

I have sent the letter to Aktiv & I am in the process of completing the SARS to the various credit card companies.. Should I now just ignore Aktiv & Cougar & the other DCAs untill i get replies from the credit card companies?

Hi, I fell behind with my council tax payments a couple of years ago, a to cut a long story short this was due to my loss of employment. The council handed the case over to Wilkin Chapmen Solicitors & after many threatening letters of bankruptcy & no help from the council I managed to borow some money and paid £2500 including what I thought was charges. I have now been hit with another threatening letter requesting the sun of £1900 in charges. I did try to set up a repayment plan but they wouldn't take no less that £360.00 per month, I just couldn't afford this & they insisted it be paid direct to Wilkin chapman, now I have defaulted on the payment plan, which is all charges as the council tax has all been paid back, & they are threatening bankruptcy, I am waiting to hear back from the council. My other problem is that the council tax is in my husbands name, & it is me who pays. I hope someone can help? I have 7 days to respond. Thank you

I have told them to stop calling.

Hi thank you for your replies, As I haven't been well, I couldn't send any letters, but I fully intend to send them off today. Also I need to send a SAR as there will be numerous default/late charges, do I send the SAR direct to the credit card company or to the likes of Aktiv & Moorcroft? My other question & sorry for so many, I also have a couple of catalogue debts that have been bought by other DCAs do I also send a SAR to those as well ? Thank you

Hi, sorry I haven't replied, I have had the dreaded flu. I have noted all the calls & times from Aktiv & they can be as many as 8-10 a day. Also i am now receiving numerous calls a day from moorcroft. My other question is & sorry to sound thick, when is an account statue Barred? Because I have some older debts from around 2003 -2006 is it from when a default was entered and no payment made?

Hi, there has been no recovery action, just 3 letters through the post, I just assumed "subject to additional recovery action" meant if it was used & payment was not received, but maybe I'm wrong?

Hi thank you for your replys, well I have had another letter in the post today from Equita quoting the same bailiff ref Stating that further to my recent communication they can confirm that the balance, subject to additional recovery action, on my account is £208.64 Should I require any further information, please do not hesitate to contact them. Signed bailiff manager. I am now thinking I will pay this amount direct to them & hope that it will end there. What do you think.

Hi, sorry I haven't replied, I have had the dreaded flu. Just an update, on Saturday I received anotherblettervthrough the post from Equita, informing me that they had been to my property to try to make contact, but unfortunately they couldn't , & if I don't pay the ouststanding debt within 7 days they will call again & this could incurr considerable charges & that I can call the clamping hotline to make a payment. 1. I have been at home all over the Christmas break & no one has tried contacting me. 2. They still haven't put on the letter how much the actual outstanding amount is for. I have already paid £70.00 via there website. I know I need to pay the rest if the fine, who should I pay the £100.00 to, the bailiffs or the council, I'm just concerned that if I pay the council the bailiffs will still say I owe them.

Thank you, I will get a SAR sent out ASAP, do I still need to send £10.00? Also I have taken the numbers Aktiv so far have used 10 different numbers, I will also note the times.

Hi thank you for your quick reply, sorry for sounding thick, but should I SAR them first, as I don't have any idea of the charges?

Hi, I hope someone can advise, In 2009 through a brokers we re-mortgage from the mortgage business company to platform. Got to say the broker didntt really give us any choices. Our re-payments were quite high but we managed the payments. Last year we fell in to financial difficulty & I ended up losing my job. We then fell behind on our mortgage repayments, I borowed money from family to clear the arrears as we had court hearings, but this didn't help with te repayments which we were struggling to meet, & therefore arrears built up again. I kept in contact with platform & asked them if they would consider moving us onto an interest only mortgage so that we could meet our repayments, or if we could put the arrears on the mortgage, the arrears was £4500, they refused both & eventually sent us a court hearing. I have now got a job, although I'm not earning anywhere near what I was, so I contacted platform & they agreed to me paying £150 per month off the arrears & then our normal mortgage repayments, they said if this was agreed they would ask for a suspended hearing which they did. Is there anything I can do to ask the to try to reduce my payments as we are still really struggling? I hope someone can help? Thank you

Hi, thank you for all your advice, 2 of the credit cards haven't got ppi, I'm not sure about capital one,, I have numerous defaults & late payment charges on all of them. Could you post a link for a template to send to claim the charges? Also shall I send direct to the credit card companies? I also have defaults & late payment charges on 2 catalogues that are now with Phillips Cohen. I have had a doorstep visit from iqor & then numerous txts. All help will be greatly appreciated? Thank you

Hi thank you for all your advice, I am going to put a letter together this morning ASAP to the council, I'm sorry to be a pain but could someone guide me as to what to write to the council, including the above link? Thank you

Hi, I have credit card debt that has been passed to Aktiv Kapital, I haven't spoke to these people, but the are calling me constantly from 8am -9pm about 20 times a day. Is there a letter I can send to request that these calls stop & I will communicate in writing only ? Also I'm trying to sort out my debts, the charges on my credit cards must be quite huge, can I reclaim them even though I'm in debt with the credit card company's ? I owe around £17,000 on various cards, capital one, virgin (MBNA) & Nationwide, I really would like to get this all sorted out. I also have 2 debts on catalogues. I fell into debt because I lost my job, & then my husband fell ill & was self employed so he didn't work for quite sometime, I stupidly buried my head. Your advice would be so helpful Thank you

Thank you for all your advice, I will get the email sent off to Equita, for a full & complete breakdown, once they know I am in dispute will this halt their actions for a while? Also last time I contacted the Council they didn't want to know, saying I had to deal with the bailiffs, should I let the bailiffs know I am complaining to the council? Also you are right they haven't been to my house, but they have given my registration number on the letter they sent. I haven't got a problem paying the fine that i owe, but this is ridiculous. Sorry for all the questions Once again thank you.

Hi, thanks for your reply, It was on my car both times, although it was clamped once. I paid by credit card both times. The chargeback was made because it was my parents card, & I was abroad at the time, the bailiff put us under so much stress, also they ended up taking amounts that wasn't agreed to. From my calculations I have paid £600 pounds, so what they have sent doesn't seem right. The credit card details have been changed. They have said that on this recent one that I forgot STUPIDLY to pay, I owe £270, although they have not attended my property, all they have done is send a letter. They don't seem to want to send a breakdown of this, even though I asked. Could you please advise as to what I should do next, as I'm so confused. Thank you

Hi here is the breakdown from Equita, for some reason I couldn't upload the letter so I've copied it. I take it that the dishonoured fee is for the charge back, but I don't know why they are showing it twice, they also haven't included the £70.00 I paid in December. Dear Ms .............. Re: The London Borough of Redbridge (Road Traffic Fine) Further to our recent communication, please find detailed below the information you require. Bailiff ref number........... PCN: ................. Debt. £97.00 Initial letter £11.20 Visit/levy fees. £ 70.00 Attendance fees. £260.00 Dishonoured payment fee. £27.20 Card charge. £3.41 Total £543.18 Payments received 18/05/12 £111.44 31/05/12. £151.00 17/07/12. £72.10 Balance. £208.64 Bailiff ref number ............. PCN: ................... Debt £ 97.00 Initial letter. £11.20 Visit/levy fees. £70.00 Attendance fees. £260.00 Dishonoured payment fee £27.20 VAT. £73.68 Total. £539.68 Payments received 17/07/12. £90.00 17/07/12. £50.00 17/07/12. £100.00 Balance. £299.08 I note there is currently no arrangement in place, as such I would urge you to contact our office as our action is continuing. Your file may be subject to further costs. Your sincerely

Hi thank you for your reply, I will post the breakdown & it was a pcn from the council.

Hi, I had a parking fine which I stupidly forgot to pay, until I had a letter from Equita bailiffs last week through the post, that I needed to pay the outstanding balance, or I would incurr fees if further action was taken, I immediately called Equita who informed me that the balance was £570.00, I was totally shocked & asked them how they had come to that amount, seeing as they hadn't even been to my address, they said that I owed over £200 from a previous fine in July, which I informed them I paid over £600. but they said because I had a charge back on the credit card I still owe that amount, although they haven't once written to me about this. I asked them why this current charge was so high over £270, they said they would send a breakdown of the charges, which I have now received, and don't understand. On the letter they have sent with the breakdown of charges, they also state that I should make payment or contact them as no payment plan is in place, but when I tried to set up a payment plan they didn't want to know. I have already made a payment of £70.00 & as I am aware from the council the debt was for £170. I hope that all makes sense & someone can help, as I don't want my car clamped . Thank you

Thank you for all the advice, I will start the claim today & I hadnt thought of the penalty fees, so I will claim for them aswell, I will need to send a SAR as I havent got my statements.