I have finally received an offer to settle my request for refund. The A&L have offered me £162.50 on one account and £83.50 on the other. Bearing in mind these go back over the six years and come to over £1000 including interest I am inclined to refuse this offer. They say that the OFT say £12 is a reasonable charge and they are prepared to pay the difference in charges less the £12. They ask me to sign a copy letter and they will refund the money.

I know I have sat on this for a while now, but decided that as the total has now accrued to over £1000 its time I dealt with it. Should I issue the Request for repayment again bearing in mind it was nearly a year ago when I sent the last one, out of respect or would it be okay to issue now without any further correspondence. Your advice would be appreciated.

Has anyone had any dealings with the CCCS Debt Remedy Company. What are you thoughts. Is it a good option. My daughter is being harassed by a Credit Company who are asking for more than she can afford and threatening all sorts of legal action. She has contacted the CCCS but I would like to know your thoughts on them

Studio Preston PR0 2BP Thats where I sent mine and they responded. Its the only address I have ever had for them

Can anyone suggest a letter I can send to both the Debt Company nd Shoe Tailor I reckon I owe there is around £400 in charges so I think I must owe them around £700 If I had £500 spare I would send it to them but I dont and would have to continue paying them at the original agreed figure of £5 per month but only by Standing Order

I have received two letters today regarding this. One from Shoe Tailor stating "In order to resolve this matter and without prejudice to liability we would accept £500 in a one off payment for full and final settlement of the account". The second letter is from Moorcroft Debt Recovery Ltd stating "We have been instructed by The Shoe Tailor" to collevt your overdue debt of £1167.55..............." They are sending me notice of Intended Litigation before legal proceedings in the County Court. My thoughts are "Bring it on!!!!!" It saves me issuing. I will simply counterclaim They are giving me until 10 am on 14th February to contact them Any thoughts!!!!!

My daughter has got herself in a financial mess. She has written to the bank and credit cards stating she cannot afford to pay them as they require but is willing to pay a reduced figure. She has set out her own financial statements setting everything out. She has not offered to pay a rediculous figure for instance to the HSBC its £150 per month. She has requested they stop interest and charges. One credit card company has agreed, one she hasn't heard a thing from but the HSBC state they require the £150 each month but interest will still accrue. Thereby reducing the debt by only £50 each month. My advice to her is refuse to pay. Send them a letter stating that she will continue to put the £150 aside each month but will not send it to them until they agree to stop the interest and if they didnt agree them they should sell the debt on. I said she would probably get a default notice but once they sell the debt, the new company will no doubt accept the £150 but all interest and charges will stop. I dont want to tell her the wrong information, so is there anyone here who can advise. Carol

Sent letter stating that as they had not responded to my letter I was now giving them 7 days to respond failing which legal proceedings will be issued without further notice and may result in them paying court charges. Noted what you say caro

I will not be asking for any money to be paid back to me in the event of them not providing a copy of the signed agreement. I am prepared to pay what is legally due but I am not prepared to pay for unreasonable and illegal charges. I have heard nothing since my last letter. In this case I will be sending them another letter tomorrow stating they have seven days to reply and their failure to respond WILL be brought to the attention of the Court. Carol

Hi Thanks for taking an interest in this. I thought long and hard about my financial situation over christmas and decided I would not longer let these financial institutions get away with making all these charges against me. I therefore wrote to Shoe Tailor yesterday and await their comments. If they fail to comment or disagree with my letter then I intend taking them to Court. This is what I wrote Dear Sirs, Customer Your Ref: Thank you for your letter of the 30th October 2006. Whilst I am in agreement that you are not in a position to enforce the debt, I do not agree that this debt should not be paid. I am fully prepared to pay any money that is due to you for the goods received by me but I am not prepared to pay unreasonable illegal charges added to the account. Therefore if you remove the agreed unreasonable illegal charges plus the interest I will then be in a position to consider making payment. Yours faithfully, Lets see what they have to say!

Hi cherry If you go to the consumer action group main page and follow the page down until you see Bank Template Library. All the letters are there. I have had dealings with JD Williams and sent off all the letters and requested a copy of my agreement. They wrote back saying they cannot provide the agreement and realise they cannot force me to pay. Others have had their debts written off, so I would suggest you keep at them. I am not finished with them yet, will try to get the debt written off. Carol

I have decided to put this on hold until after christmas. Bearing in mind the A&L may close my account I dont want to take that chance just before christmas.

08703 333 444 Thats the number I have for them.

Now have sufficient funds to issue against A&L. Need to finalise the claim and interest and off we go.

No I didnt get a cheque they said they would deduct it from the amount I owe. I have yet to see this on paper. Whatever they offer will only get rid of a debt it wont give me any money at all. They have increased it so much with service charges from the original debt I will look at your post and maybe send another letter Carol