all of you do research and get in touch with who ever you need to thats what i am doing

I have just spoken to CAB and they have said that every one should book an appointment with them and take any information that you have about the person. you should also print out information that is on here like every one else and show it to them.

first of all dont worry about the creditors they will not enter your house until you let them in. they will send you letters and phone calls, if they do that you can either ignore them or as i do file any paperwork and write down the date and time they call you on your number. 1. do you have the original Terms and conditions? the ones that came with the pack that you signed with 2. speak to the ministory of Justic and get them to give you advise. also go to the Citizen advise Bureau and get advise. 3. Ask BS to send you any paperwork they have of you, they will ask you to pay £10 pay and within 40 days they have to respond to your request and send you any paperwork. but before you do all that write a letter explaining to them that this is what the T&C says when you signed up with them and therefore they should wave the fee. because at the time i dont think they were regulated with by the MOJ.

the £10 is for you to reclaim any paper work they have carried out on your behalf. what this means that by paying them £10 they must send you all relevant paperwork with in 40 days. no i have not paid them any money, i am waiting for them to take me to court. they would never inform you that this is a no win no fee case as it is against their interest. but also i dont have the original terms and conditions. you did the right thing by going to CAB and standard trades. write a letter to them explain to them that you was ill advised and therefore thought it was a no win no fee case, that they should waver their fee. and make sure you send as a recorded letter because they cannot deny that they did not recieve any documents. dont panic or worry because it takes a long time before they can take you to court or any thing. most of the emails and letters they send are procedure to prove to the system that they are trying. this is called a paper trail do the same yourselve start sending them letters and prove to them that you are trying too and therefore if it went to court then you have prove that you have tried.

Robert79 you do not need to pay anything with your credit or debit cards. you can ask for their account details and what bank they use that way they cannot have your account details. as for your account you can keep it and change banks either way they cannot touch it without a court order and thats cost effective to them. as for the Debt collection company they cannot come in to your house or property without your consent so therefore no need to worry about them. the debt collectors are there to find a way for you to pay it off and work it out so that you can do it using instalments. my advise pay the £10 and get your paperwork sent as i am waiting for them to take me to court.

this number has been changed to 01872540752

1 you contradict your own statement how can you charge £99 exc VAT. but the invoice clearly says including VAT. 2. how can someone pay for a service that you have not carried out? in your own T&C it says that the agreement was you would reclaim unfair charges and fees etc (or whatever you were reclaiming for a person) and as you have failed to actually do so, and no settlement has been received by a person, then you have failed to fufill you're side of the contract and as such you are not entitled to any monies from any person. See 2.11 which makes it clear you only have to pay per account as and when you receive a settlement on that account. And the same under 2.9 which makes it clear fees under 2.8.2 are payable upon receipt of settlement only.

I wish i had known that some time ago. i now am being asked to pay £120 for two unfailed reclaims. my advise stay away bunch of rag tags