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About ITmanrichard

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  1. Hi there, thanks for responding again, I don't want you to think that I am not grateful: I briefly touched this earlier on in the thread - my wife was admitted to hospital for quite some time - she was late (not missed) one payment - I had to get her to sign a document giving me the right to deal with the matter, I called them and whilst she was in hospital they agreed a reduced payment schedule which we stuck to exactly - then shortly after she came out of hospital we learned that they had defaulted her despite saying that if we kept up the payments they would not do
  2. She didn't? It was paid in full by the time BC sold it to 3rd Party - 3rd Party registered it as default straight away without any opportunity to pay what do you mean nothing to do with owners? There iwas no debt to own in the first place? They own nothing, that is the point here which with all due respect I think is a point you are missing?
  3. We would ignore, but we have wanted to remortgage for 2 years now and can't because of this on my wife's credit file. It's just not justice; I'm not saying life's fair sometimes but this takes the Mick.
  4. BCard sold debt to MKDP LLP MKDP lost in court Robinson way chasing. It says on today's letter "former HDHP 2 Ltd ( Barclay card) (never heard of them? They want all the details and my wife is ( stating) she is "not giving out any more of her details to another company who has no connection with her whatsoever" she's obviously miffed. we gave them the case number and court and told them to obtain a copy of the judgement. They didn't and wrote back that Barclaycard had no knowledge of any order or judgement - but then they wouldn't because it was MKDP LLP. RW h
  5. Keeping it brief: 2011 owed £8k to Barclaycard We Win 11k PPI from Barclaycard, BC state in letter they will keep any PPI due against balance, and duly transfer 3K into our bank. Fair enough, debt cleared and we get 3K. 2013 we find out BC have sold "debt" to DCA and they chase us for 8K, eventually goes to Court in Dec 2015 DCA lose. End of. But no, DCA sell debt to Robinson Way! They chase us, we give them CC case number and court date and tell them to take a running jump! Still chasing us we need this stopped it's been 4 years now and all the time on
  6. Give you a clue - you are on the right trail and your so CLOSE you wouldn't believe it?
  7. OK, so just because I haven't actually paid these charges, doesn't mean that they shouldn't be refunded, but in my case refunded to my account so that the account shows correctly what I owe, yes? Hey, many thanks again DX
  8. Is there some legislation I have to quote when writing to them? I'm happy sending out SAR or CCA but just don't know why I have the right to claim these charges are written off?
  9. Hi there I am 41 months into a 48 month standard HP agreement. I paid by DD on the nose every month until around the 30 month time, when I became unemployed (no PPI by the way). Since then I have failed to make some payments on time, but NEVER have been more than 30 days late. I'm no angel this I realise but as I type this at least i'm up to date. Every time I fail to make a payment a DN comes out etc etc but I always pay up. As I have 7 months left to pay and my payments are £400 (but the last payment is £550) I should have 6 x 400 plus 1 x 550 or £2950 lef
  10. Hi there BazzaS - Yes on procedural grounds, and my wife wasn't aware that she was speeding, but couldn't say she wasn't - she said the first time she saw the camera flash, but didn't see it the second time - yes she may be guilty, but she cant keep getting into even MORE trouble just because of the post? If you #r postie was your best friend and he kept ditching your mail he would be breaking the law anyway, but I do see your point. I need someone like yourself not to advise me, but to give me information so that I can make an informed decision. And If they just say "well we h
  11. Dear All, I need some advice for my wife. We have had a terrible postal problem; after reporting our postman for an incident over a year ago some of our mail seems to simply go missing - I wonder why? My wife received last august a witness statement for a court date for speeding and failure to provide - we had received no NIP, no reminder and no summons. We contacted the ticket office and explained about our post, and they agreed to fine her and give her 3 points for the speeding, but drop the offence under 172. Later on in 2016 a neighbour brought round a summons for,
  12. Sorry to explain better - I do live in a Micro State but in a very unique one - that is not part of the EU, EFTA or the Euro zone.
  13. Many thanks for your reply However I am not within the EEA or a non-EU Microstate I live near to Spain not actually in it - I am aware of the fact that the forum is public to view so I chose to restrict this information, sorry. around £2,000.00
  14. Dear CAG members During early 2015 Lowell were chasing me for an old debt and I pointed out by post that I now lived near Spain - but I still own my house in the UK where they were sending mail to. This carried on and I rang them and told them to stop harassing my tenants. This still carried on until a CC Claim came through - which was forwarded to me, correctly or not if I had not of responded I would of received a default CCJ - so I responded with my defence as Out Of Jurisdiction - I am not even living in an EU member state. It went to mediation and I was explained t
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