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bohomiz

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About bohomiz

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  1. Hi DX I should have said at the time, but in regards to 26 Mar 2007 with Fredrickons I did not receive any letters from them. The first debt letter I received in regards to this matter was in Jan 2009 from Wescott. In regards to the Notice of Assignment (NOA), the recent letter from AG states I received one of those but I never have. The only way I found out who had purchased the debt was from letters from Fredrickson's 2 years ago and when you (or Brig) asked me who their client was. That's when the digging and delving started on this matter. I only started paying towards th
  2. Hi DX After reading through said paperwork I have come across the following in date order: 26 Mar 2007: Issued to Freds. 1st placement bal £1622.42 21 Oct 2008: Issued to Moorcroft. 1st placement bal £1622.42. I never received any letters from Moorcroft. 5 Jan 2009: Issued to Wescott. Bal £1622.42. I did receive a letter from Wescott in Jan 09. I replied and they wrote back in May 09 just before I moved to my present location. I did reply to their May 2009 letter. 5 Jan 2009: Issued to Wescott. Bal £1622.42. (Written twice on form so I've included also
  3. Hi DX and Brig Sorry I wasn't online yesterday. BRIG: The letter from AG is on Page 15, #293, dated 23 November. I had to type it out because I have no ink in my printer and it needs ink to scan. In January 2009 I received a letter from Wescott Debt Collection Agency re NW. I wrote back. They replied in May 2009, about a week/ten days before I moved to my current address. I didn't give them my new address. Unfortunately I now longer have Wescotts letters only my replies on my computer, and I don't know who their client was either. Sorry. You can tel
  4. Brig Thank you for replying; as always it is greatly appreciated. I would absolutely appreciate your help and assistance with this situation. Between you and DX you have both been my saviours with this situation and I have always, from the start, been very grateful to you both for the help, assistance, and time you have given to me in regards to this matter. Please, write away because to be honest I'm not really sure what to say/write as this situation is new to me so I'm kind of panicky a bit (sorry dx - boring ). Thank you for you continuous contribution. I am very grateful
  5. That bad huh? I know my brother was only trying to help, but would appreciate additional if it means getting the words on paper correctly and legally &c.. With thanks. BM.
  6. Hi DX I have typed out the letter my brother write to AG, changing only one word (he didn't use the word 'gum') and attached as a PDF. Let me know what your thoughts are. I am more than willing to change anything you deem inappropriate/unacceptable, or add something you feel necessary. With thanks in advance. BM.
  7. Hi Would it be possible for some additional advice on this. I ask because AG, according to their recent letter, have given me 31 days to 'get this sorted' and I need to know what to do in case they throw the big book of debt and accounting at me. With thanks. BM.
  8. Hi DX The boxes on the form have been crossed for 'No', so how would I be able to reclaim PPI and CPP? I'm sorry for the late replies but my brother visited me today. He knows about the situation and I showed him the letter and he was horrified, saying that it smelt and smacked of being patronizing. I have also shown him the statements so he could see for himself that the amounts paid have not been debited from the NW debt itself as the statements still show the full amount outstanding, and if I was to request a statement for last and this month they will
  9. Hi Brig As I'm not up on this, what do you mean in that something is not right in that the debt was not traded until 2011? With thanks. BM.
  10. I am currently living on welfare, am in the receipt of Employment and Support Allowance and am in the Suppport Group. I do not have physical disabilities but mental health problems, which I have had since I was a child with additional as an adult. Amongst them I have A.D.D., O.C.D., depression, Avoidant Personality Disorder, Anxiety, Post Traumatic Stress Disorder/Rape Trauma Syndrome, Body Dysmorphic Disorder (which has led me to have chronic shyness), and too many more to list, each one affecting the other. I feel at times they are all holding hands with each other. I don't go out - I'm
  11. Hi DX After checking sent letters I had to admit that when I wrote to NW I sent them a copy of the payments received by me to Freddies as proof that I had been paying and to enquire as to why those payments were not being deducted/shown on the NW statements from June 2010 to October 2011. Up to June 2010 the outstanding account was £1622.42, and then from the above two dates I paid £20 per month until I stopped payments in October 2011. I take it that was bad move on my part? How would AG use that against me? I am not happy that the payments made a
  12. Hi Brig My memory has been jolted in regards to this form. The credit card was offered to me at the time of my opening a NW bank account, and because they had my details on file - name, address, &c., he said he would fill those in afterwards. At the time I did ask what CPP and PPI were and he explained them to me. I did think at the time they would be ideal for me because hey, who knows what is going to happen in the future, so I said 'Yes' to those. But I signed the form before all details were added, so I signed a blank form. Stupid me
  13. Hi Brig I thought that too, have to be honest. Took them 5 months to get it though (I asked for it in June). However, after seeing this form for the second time, I remember I signed it before all other details were added, such as no to credit protection and all that. Would that matter? BM
  14. Hi Brig Yes I did sign it but that isn't my handwriting for the date. BM
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