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Realgill

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About Realgill

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  1. Update: After sending them my offer of payment I received a reply basically saying they would freeze all interest and charges etc but their minimum payment requested was still a little higher than I had offered. So I have sent another letter stating that I would be happy to move forward if they could further reduce their requested payment. Fingers crossed. Thanks for all the help I have received, I appreciate it.
  2. Can anyone expand and offer further advice please. I believe it was an actual default notice as it had....This is a default notice served under section87(1) of the consumer credit act 1974" and going on the replies here it was. I haven't sent them anything other than the CCA request lately, and I was waiting on further advice regarding their reply to that before I would know what the next step is. Out of interest...how would one determine if this CCA reply is in fact a proper compliant CCA? What does it need to contain etc? Would I be correct in thinking I now follow
  3. Thank for the quick reply. I believe it was an actual default notice as it had....This is a default notice served under section87(1) of the consumer credit act 1974" and going on the replies here it was. I haven't sent them anything other than the CCA request lately, and I was waiting on further advice regarding their reply to that before I would know what the next step is. Out of interest...how would one determine if this CCA reply is in fact a proper compliant CCA? What does it need to contain etc? Would I be correct in thinking I now follow your advice and send them the fi
  4. Thanks for editing the PDF. I just checked Experian and the report shows as "2 payments late". Everything else on my report is showing as satisfactory.
  5. LATEST. I received this in the post today in response to my CCA request which I sent on 09/09/13. Where do I go from here. The phone calls have continued but they are no longer as frequent as they were. Thanks for the help.
  6. Does my CCA request matter now.....should I make any reply to resolvecall in response to their letter telling me they'll continue to pursue me and if I want the agreement then I need to contact vanquis directly. ..or do I simply ignore them. Should I still be timing the CCA requests to all 3 of these companies....vanquish, impact, and resolvecall? I'm completely lost here, please help if you can. Thanks.
  7. thanks citizen. I cant recall if it was 1st or 2nd class I'm afraid. Have I done the wrong thing in sending them the CCA request?
  8. It does have: This is a default notice served under section87(1) of the consumer credit act 1974.......it at the top of page 2 of their letter. The default letter is dated 16/07 and it says I had until 04/08 to pay the payment due....just under £300.
  9. I have no idea how I approach this from here after sending the CCA requests....I genuinely wish I had the cash to simply just pay the account off and be able to get on with things.
  10. No sorry, I don't think I explained it well. I had been late with I think it was 3 payments....not overly late but still late nonetheless for apr may and june....but I had asked them for help when I knew I was struggling around march. The arrears are showing as just under £300.....but the full account balance is roughly £2700.
  11. last payment was the 4/7/13, and the default letter was dated 16/7/13. The last payment I made was a struggle and it was only made because I felt pressured in a way after their numerous phone calls. I had already requested that they look at my circumstances before this payment, but I thought by trying to pay something they would see I wasn't trying to avoid paying.
  12. Thanks dx100uk. I've had the card for about 3 years, but this is the first I have experienced any arrears or missed payments on the account....this is why I'm a bit annoyed that they weren't interested in offering any kind of help regarding my circumstances.
  13. Hi, Crocdoc : Do you own you home or have any other assets ? No, renting, and I have a car I pay monthly. I'll try to post the default letter. *Struggling to work out how to post the letter image in a size that is readable.
  14. Thanks. I do apologise for the extra thread and understand if it were to be removed.
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