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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

wheelsdd

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Everything posted by wheelsdd

  1. wheelsdd
    I will I promise - I have another damn infection right now but I need to deal with it - feeling positive - only thanks to your help thank you again
  2. wheelsdd
    Ok yes I guess it's pretty fast that way too - I will get all this sorted ASAP and await their response - not holding my breath though! Do you think this is the way to go then even with the default notice? Thank you
  3. wheelsdd
    Absolutely we do owe the money - other creditors have been fantastic and can't do enough to help but these have been awful and I just haven't had the energy to deal with it either way. It does say Default notice on it I'm sure but will check again when I get home from hospital. So my plan is now to send letter 2 with good will gesture of £1 per month and back date - they can't say we haven't tried then at least. Thank you
  4. wheelsdd
    Yes the first letter on your post, they just refused it straight away though. And have been calling day and night ever since. Is it possible to make an offer now they've sent the default do you think x
  5. wheelsdd
    Yes it was and they turned it down - I used the template off here x
  6. wheelsdd
    Only just recently I think it does say it on the default letter today. Is it worth us sending backdated £1 per month for the missed payments or not? X
  7. wheelsdd
    It was taken out in 2011 so not that old but he's never seen the agreement nor signed anything - we kept up payments no probs until dec 2012
  8. wheelsdd
    Thank you so much I will get this sent off over the weekend. Does the default notice mean anything for us then? The wording is scary I guess that's their intention. I did send the first letter but as I said they refused point blank so I think the second is my next option. ThAnk you X
  9. wheelsdd
    Hi again Sorry I haven't been in touch I've been struggling health wise going from one infection to another Today my husband received a default notice from SimplyBe catalogue - they refused point blank to accept reduced payments and have called every day up to 8 times a day. What's the best way to handle it now? Is it too late to offer repayments in the hope that they will accept them? Thank you again Wheels x
  10. wheelsdd
    Hi dx100uk I still haven't got around to that credit report I have however had a letter from an old mobile phone company (so old i cant remember it) Its from Lowell and i have quite a file of correspondance going back 6 years and more. In my wisdom i wrote to them and advised them i thought this was statute barred - i came to this conclusion after realising I had been with my current provider since 2007. They wrote back and advised that it was not statute barred as I had made a payment in June 2007 for £1. This £1 was actually a CCA request letter which as you are aware states that the £1 must not be used towards the outstanding debt i am a little confused as to why they have credited this to the account. I have a statement print out and the last actual proper payment was made on 26/03/2007 - and now because i havent replied to their letter they are threatening to obtain my credit file etc and see if i am paying other stuff! I dont know what to do now! Back in 2007 this was actually taken to court through MCOL and I submitted a defence - but nothing happened, i did call the court last year to find out how we stood but they said i would have to apply to have it struck out or something. I seem to be getting old debt letters every week - is this due to the recent credit search for the rental agreement do you think? I am so stressed - and while im well for the time being it wont last What do you think i should do with this one?
  11. wheelsdd
    Hi again Just a quick update. My health has deteriorated over the past week and I'm quite poorly at the moment, still not had chance to pull up the cra files as yet but I'm being hounded by one of the most recent debts (studio24) - plus reliable collections. We were paying these accounts religiously up until sept last year when I wrote and explained our problems. Reliable point blank refused to help and studio said the least they could accept was £13 per month which I agreed and began paying. They then add charges and ring 7-8 times per day so clearly not sticking to their agreement. I haven't the energy to deal with them at the moment - I don't know what they will do next but I can't get myself better worrying about them. I just want it all to be over :-/
  12. wheelsdd
    Thank you so much will try and pluck up some courage :-/ DD
  13. wheelsdd
    I really appreciate your help. Can you recomend a cra file company? I'm still dreading looking into it Xx
  14. wheelsdd
    Ok thank you will look into it as soon as poss. Thank you. Hope you don't mind all the questions DD
  15. wheelsdd
    Ok I see, can I request a copy of the signed cca for a bank account? The letter does say they have bought the debt :-/ xx
  16. wheelsdd
    And if we are being fleeced how do I get them to back off? What about Cabot? Xx
  17. wheelsdd
    Ok I don't understand the rental check either - also accepted for BT too. But when we tried interest free credit at Argos it failed - can't figure it. Is there a credit check site to recomend? Thank you so much DD XX
  18. wheelsdd
    Thank you for your replies. I'm not brave enough to look at our credit files - just before Xmas our landlord of 6 yrs told us we had to find somewhere else to live as he was selling our house so we have had the extra expense of a house move to deal with as well. I was actually quite shocked that we passed the credit checks for a new tenancy to be honest. Anyway debts as follows: Council tax arrears: £350 paying £100 per month Tax credit £12k paying £25 per month Studio £1200 paying £13 per month (their suggestion but now they act like they never made this agreement) Reliable collections mine: £1800 Reliable collections hubby: £1600 Both of these refuse to enter into negotiations - with help of national debt line I wrote and asked them to put on hold, they refused, now offered token of £1 and they refused that too. Barclays overdraft (Cabot) £1600 not sure what to do on this one Welcome finance £4.5k they are not pestering me for this as its in dispute for ppi Black horse £3.5k same situation as welcome We have other debts which are smaller and we haven't heard from them in years. I really appreciate any advice DD XXX
  19. wheelsdd
    Hi Please be gentle as im new here but ive been browsing and im hopeing to get some advice - god knows i need it. Today I received a letter from Cabot regarding a really old Barclays overdraft - the last communication i had from Barclays was a termination notice in march 2008 and then the account had been back and forth to wescot and now cabot. They are asking me to pay £1600 immediately - they will need to join a very long queue We have long debts going back 3-6 years due to my hubby being out of work for a while, im disabled and having chemo although i do work if im able, and we seem to be getting a lot of letters regarding 'old' debts just recently. Last march we had a bill for £12k tax credit overpayment which we are paying back @ £25 per month but i dont know where to start with these, i have a couple of catalogue debts (reliable collections) who are not very helpful when we asked if we could make token payment of £1 until we get back on our feet and they are hounding me night and day, as well as Studio who agreed an affordable amount but then added charges on and wont stop phoning me. Its all getting too much and sometimes i just think it would be easier if i wasn't here. And now this - can anyone advise if there is anything i can do? Can i send a CCA request ... or not as its a bank account/overdraft? I dont know what to do. Hope someone can help. Thank you DD

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