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SiBaY

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About SiBaY

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  1. Mobile, checked my online bills though and they don't show itemised billing back to that date anymore now though (Beginning of March)
  2. Yeah there's nothing on my credit file regarding this, I shall write to Racing UK. I'm assuming if BPO do come to my door, I can just politely tell them to disappear?
  3. Good afternoon everyone, a few months back I took advantage of Racing UK's offer of a free trial of their TV channel on my iPad, as I'm a lover of horse racing. I read their terms and understood that it was free to try as long as I cancelled before the end of the trial. I had to give my bank details for a direct debit incase I decided to continue using the service after the trial. I decided to cancel it before the end due to not being happy with the streaming quality and rang their cancelations number. The person I spoke to told me it was "all done" and I thought no more of it until I noticed that the following month they took a monthly payment from my bank. I obviously cancelled my direct debit with my bank and rang Racing Uk who conveniently can find no record of me cancelling the service. I now have threatening letters from BPO Collections saying that I owe £225 and they are sending doorstep collection agents to my house to collect the debt. Is there anything I can do to prevent this? As I genuinely cancelled before the trial ended and I think that racing uk are just trying it on or their staff are idiots and didn't do then cancelation properly? Many thanks in advance and sorry for the long post
  4. I sent it to Lowell and they forwarded it onto BC, who sent me the copy of the credit agreement with my latest address on it.. not the address I had when I had the card. Not made the Orange post yet no.
  5. Ok I think I have done it
  6. Looks wayyyy too complicated for me lol
  7. [ATTACH=CONFIG]41570[/ATTACH][ATTACH=CONFIG]41571[/ATTACH][ATTACH=CONFIG]41572[/ATTACH] These are the other 3...Hope you can view them ok ? Let me know if not and I'll try another way.
  8. [ATTACH=CONFIG]41567[/ATTACH][ATTACH=CONFIG]41568[/ATTACH][ATTACH=CONFIG]41569[/ATTACH] These are the 3 from Lowell... Will upload the other 3 now
  9. I think I'm confusing myself now lol Do I now need to write to them again saying that the copy of the credit agreement they have sent me is not valid? (or is it valid) I have defaults popping up from Lowell left right and centre and have never received one through the post in my life. Last month my credit file said 3 Defaulted accounts, now it says 6.. which I find very odd.
  10. If you mean who is claiming to be the Lender on my credit file? Lowell's name is there.
  11. Sorry I don't know what u mean?
  12. Hi, It has taken all this time to get a response from Barclaycard.. They have sent a "reconstituted copy" of my credit agreement (no signature on it) and it has my current address on the agreement, and not the one I was living at when I took out the card. Surely this isnt right?
  13. Thank you for all your replies, I am going to make a start on this in the morning.. I will keep you updated Thanks again
  14. What does a CCA do? Sorry, I'm not very clued up about this
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