If your finances have not changed then the amount you now pay is the maximum you can afford, could you pay more? I doubt it , they have no powers to increase it to more than you can pay. A formal review is not worth the paper it is written on, it's just hot air and trying to make you pay what you owe faster, but I guess that you can only pay what you are and no more, so they either shut up or take you to court, which is something they may consider. If the debt is so significant then perhaps they are trying to force you to go bankrupt? would that be a bad thing?

Taking it slowly is the best thing you can do, seeking legal advice is good too. Remember the collectors are hoping you don't know what is what so come back and update your post when you can. MM

No one must start a form 4 complaint unless on the advice of a fully qualified SOLICITOR therefore saving you money and KNOWING THE legal facts taking advice good or bad is your choice. Please be careful how or where you get it from. MM

Levy invalid, item not correctly listed, no make model INDEX number, As at #27 so therefore move it sharpish, but please be aware the bailiff will be upset, in your defence he failed the requirements of levy. The duty of a bailiff is to CORRECTLY list items on a levy form or as they are not listed correctly in this case. IMHO. Also be aware that if the bailiff reports the car stolen then this case will get very messy very quickly, which in your case will do you more good than harm. The bailiff may say you have removed items that have been levied without consent, if he tries this produce the levy you have been given either way the bailiff has shot themselves in the foot. MM

Mick what we are saying is print off this letter put a £1-00 postal order in a wait, DONT PAY anymore money till you get the reply. the letter is found here by clicking the link http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974 So please do the following only 1. Stop paying any money 2. Send off the letter with a £1-00 postal order in 3. Wait till you get a reply then come back here BEFORE YOU PAY ANY MORE MONEY. We are trying HARD to stop YOU BEING RIPPED OFF MM

So that would be a letter to the data controller to amend, I think I have one of yours brig from my early days on site, TBH this is just going to be just one of those weeks where the sun don't shine and the beer is all gone. but I've still got you guys. Time to forget and relax now thx all so far MM

thx dx will just sit tight now and wait. just one more q can you post up the link for the challenge on charges Thx MM

Hi brig the default date has changed but I guess for no real reason but I don't think it really matter after all, It's driven me up the wall more times than I care to mention, but heyho off we go yet again. Will do an update at some future time or when my SAR is responded to thx MM

Just got home, an update for those that may help original default with Vanquis was 31/05/2013. Lowell obtained the debt and issued another default this time 22/09/2013. Is this a correct procedure? Some questions before I get my teeth into this, If Lowell have bought the debt do they have the same rights as the OC? Do I have the same right s as if I was with the OC? If yes to both can I then ask Lowell to refund the unlawful charges? since they have the same rights as the OC and therefore just as responsible, as the Law states they take on ALL responsibilities of the OC am I correct in thinking this, or nit picking, Neither The OC nor Lowell have informed me of the assignment or sale what can/should I do next or just wait for the threat-o-grams to start to turn up? I normally am able to do this myself and for others but have had a mental crash in the last week over this. Thx dx100uk have posted it out today with the £10-00 fee will wait 40 days as normal MM Thx MM

£250 credit limit and £275-00 in charges

Hi guys my head is in a spin I am not able to say what I want to say in depth but a friend has written this for me. they have written a letter that is full of things I don't understand fully, but here goes. The full letter is attached as a PDF and would like some advice before sending it. The story. I took out a Vanquis credit card a few years ago, post 2007 online I think, I was doing well until mid June 2010 when I suffered a near fatal stroke, it has left me disabled and now in receipt of ESA and DLA both at the higher rates, DLA for care and mobility, I get housing and council tax benefits, also I am getting a discretionary payment for the extra bedroom due to me needing a carer and council tax payment too . I lost my mind for some time but have recovered some what. I was defaulted by Vanquis earlier this year, due to charges on the account, some were refunded, most not, they cancelled the ROP (repayment option plan) they cancelled it without notice before it expired, they took me to court, I gave them all I had for my defence, they withdrew, removed all traces of it from my CRA file. I have yet to receive a letter from Lowell/Vanquis I am just jumping the gun and want to be ready for the threat-o-grams most of which I can handle. Yes I will stay off the phone and keep it all in writing. I checked today and all traces are removed but low and behold Lowell have added a default some 7 months after the original default and now own the account. But I have not had any comms from either of them, no assignment nothing, a close friend has drafted a letter to Lowell for when they contact me see attached PDF. I am seeking good advise on whether or not to send it. Your thoughts please Thanks in advance for your time as the letter is long and lots of quotes from the OFT site MM

Well now things are looking better for you. Don't forget if you do an I&e this is for you only. Dca's don't let them have it. Also keep away from more PDL's in future. We know its going to be hard for a while just stay on track and be happier MM

I would just sit tight and wait for PROBATE to conclude, it takes time and you may find the "money" turns up after the DRO is finished, You do not have to notify the receiver until the money is in your hands, so until then the "money" is not yours yet as it's still in limbo so to speak, only once you have the money in your hands so t speak do you notify the receiver, as then you have ASSESTS. MM

Hi Lynda any updates please? MM

Don't forget this time of year is the time for you to update who lives at your address, this is for electoral role purposes, double check it carefully and make the adjustments to your reply to the letter, if your sister in-law appears on it remove her name sign and return that way the DCA's lose this option to trace to your address. MM

Good luck OP hope you finally get debt free MM

Thanks for the info, I know TT is very busy but she got my message anyways thanks for the assist MM

Thanks dx

was hoping to send a PM to TT but cant?

Thx dx10uk we have crossed paths many times, and have taken that advice in the early days, but now this new found freedom is so nice finally a zero debt balance , I want and will continue to help so you are not getting rid of me that soon lol, see you around the forums, also is it possible you can post up the method for converting to PDF for me as I can't remember, so I can pass it on, thx once again MM

Had an issue with 1st Crudit chasing me for a stat barred debt adamant they could collect on it, opps NO, even though I knew this they wanted me to play ball with them and pay them. Today they finally admitted they knew it was stat barred but was hoping for some free funds from me. Wasn't going to happen anyway, having taken the mickey for 3 weeks they finally wrote to me stating the obvious, finally, sorted, all of this was due to advice from here and the knowledge I already had, all I can say people keep up to date with your credit file, ALWAYS check to see if the debt is enforceable, and stay off of the phone to them unless you are recording the calls, never make agreements with them on the phone, get it in writing before you make any payments. the caggers here are just great but be VERY cautious of taking advise from other sites that YOU are unsure of, as it could cost you a fortune in the long run. My debts are all now gone, but my time here on CAG will continue, so thanks to all that helped and those I have helped, see you all are the forums, good luck. But before I go I would recommend that you read up in the debt libraries and always ask here for the best advise, trust me its the best thing I did was to join CAG. MM

I was in this position earlier this year, I contacted the ICO and made an official complaint, the result no more calls, I did this via email and a direct call to them, I received a letter from the DCA stating that all numbers would be removed this was done, I have had the pleasure of zero calls from the said DCA, an apology from them the whole sorry episode from complaint to resolution with them and the DCA was just 36 hours. It works but it may not for others, just be confident in when you speak to the ICO they DO listen and HELP MM

If this is a bank debt is there any late over limit fee's PPI or the such that can be reclaimed? if so dx100uk can guide you through the forms to reclaim them, also once you have checked your CRA file see who owns the debt if it is still with the OC stop paying Muccky Hall as they are taking a cut of your money before paying the OC TBH I think you ought to restart your thread and put up all the details regarding this debt, that way we will have the full picture and be able to advise accordingly MM

First of all contact your bank and cancel the continuous payment authority, as they can empty your bank at will, this you must do NOW. before you do anything else. Muccky hall have no powers to demand you pay more, you are in control of your money not them, as far as them calling you, TELL them to back off period. Secondly never give a DCA your I&E they have no right to it. only a judge can demand this, now go tell Muccky Hall to sod off and stop calling you and demanding what they are not allowed to do. Thirdly NEVER give a DCA your bank card details, if you must pay use a paying in slip at your bank with the banking details they give you. MM

Once you are finally out of debt you will feel much better, I was not trying knock you in anyway, everyone has their own way of dealing with things. The best way forward for you now is to look to the future and stay straight. with most of your debts have you checked them out for charges that can be reclaimed? Its money in the bank for you. MM