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About Oxongirl

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  1. I don't quite understand how you come to the conclusion that I am immature or attention seeking. That implies everyone who asks for advice is that way also. You did not have to reply to my thread, but was obviously too tempting for you to ignore....maybe you were not 'on target' for your usual daily quota of insults. I did not ask for sympathy, nor do I require it from anyone. I asked for constructive advice, not insults. You say you did not wish to appear judgemental, but you certainly are, just as you are rude. I am also not interested in the vehicles you have chosen to own and why you
  2. Thanks for the reply. Have to say that is pretty bad that someone can lie and get away with it....or maybe I was just brought up to tell the truth?? Do people honestly have no conscience? I guess I have to give up then, and she'll just carry on smirking at me every day knowing she got away with it.
  3. Hi guys Back in December another car hit mine in a school car park..... I had reversed out of my space, and as I couldn't see around another parked car (not in a space, just dumped at the end of a row) to carry on into the main flow of traffic, I decided to stop and give way to a school taxi which would enable me to reverse straight back into another area of the car park. As I was stationary, another car reversed straight back out of her space and into the left near side rear (just in front of the rear wheel arch) of my car. I had a dent, her car was undamaged. She got out screaming
  4. Wow. Thanks for the reply, but I asked for advice, I don't particularly care what your thoughts are on the car I choose to own, seeing as you have no idea what disability my child has. As my child is 11 years old I think I have enough knowledge concerning disability aids to know whether or not Motability could provide or help with the cost of a vehicle. I honestly thought the people on this site were helpful, not judgemental. I know now not to bother asking advice on this site again.
  5. Hi all, and I hope you may be able to give me some advice... I bought a 2nd hand car (Toyota Celica, 04, 82k) in March this year from a dealer in Lyneham. It was £3695 and I paid £1500 deposit, they took my old L reg Celica in 'part x' and gave me 6 months worth of tax for it. The car was wonderful....until the week of hot weather we've just had, then it started overheating and no heat was coming through the vents into the car. Straight away I rang the dealer and explained what had happened. He said as there was 3 months warranty he could repair if I got the car to him (38 mil
  6. Thank you. I don't know how these people sleep at night themselves, knowing they cause so much misery to so many people for their living must surely play on their minds. Shocking!
  7. Thank you all again. I will be printing the SB letter and sending it recorded delivery tomorrow, and thank you for the link to OFT & TS complaints, I will take a good look at that in the morning when my muddled brain is clear
  8. Thank you too, Coledog and Bazooka Boo.... I'm so glad I found this forum - I think I'd be crouched in the corner, rocking back and forth slowly pulling my hair out if I didn't have you to turn to. Thank you
  9. Ok thank you Brigadier. I just don't understand how he could say it's not SB when their own copy statements show the last payment in June 05. I'm starting to doubt myself now!
  10. Thank you for your replies. Can I just check on this SB?? If no payment has been made since June 2005, but letters from the original creditor were still being sent to an old address of mine until Nov 2005 (which I did not receive), Lowells then wrote in June 2010 stating the debt had been sold to them, CCA request sent by me in July 2010.....would any of this correspondence have 'reset' the 6 year clock (which is why I've been informed it is not SB?
  11. After posting on this topic of Lowell Portfolio last week and breathing a sigh of relief once finding out this debt is Statute Barred......I have now been told (over the phone) that they are still pursuing the debt!! Basically I requested CCA in July 2010, they came back to me saying there was not one, and the account would be closed, all info would be removed from CRA's etc, etc. I then get a letter one year later in July 2011 stating I owe the amount....they did not remove my info from their files and have seemed to re-opened this account. I know I shouldn't have spoken to him
  12. Thanks Desperate Daniella I've decided to wait and see how, or if, they respond to the letter I have sent today in which I sent copies of their letters stating the account would be closed. Depending on the reply, I will then send the Stat Barred and possibly the request for confirmation of documents under CPUTR!
  13. Thank you all for your helpful replies. I will definitely be sending the SB letter on Monday, and will breathe a sigh of relief Should try to get them to delete my information from their records, and that of credit ref agencies? Or is that just asking for more trouble from them? I had sent the letter concerning this last year but they did not comply.
  14. Well, I'm going on the copy statements that were sent to me last year as their 'proof', as they could not provide the agreement, and the last payment date from these statements was June 05.
  15. Thank you for your quick replies PGH7447 - Last payment made was June 2005. Unclebulgaria67 - the 'credit agreement' they have sent is actually 'Your guide to shopping with Empire'.... It is just basically explaining how to order from the company, buying goods and cash back, home approval and returns, how to claim discount for recommending a friend, an order form, the Empire promise and how to complete a customer card. Sorry but I'm pretty sure this does not even come close to being a credit agreement. Please correct me if I'm wrong, but I thought credit agreements included n
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