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About loancreditcat

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  1. Hi All, Sorry no response for a long time. Was away for awhile, then got very ill - but all much, much better now, so I can respond. A visit today from ResolveCall, but as I was at work, I only saw 2 cards they left. I suspect they will try to find the right time to catch me. I will follow the above advice however. I also checked my credit score in the past few days (one of the things to do when completely ill and bed-ridden), and saw the SallieMae seemed to have disappeared recently, at least on Noddle, which has now been bought out by a US credit agency (o
  2. Hello All, Sorry I have been away so long on this topic. I have not really had nothing to report as the usual from CapQuest - sending form letters periodically - has continued to happen until this morning. I have ignored the letters but the change this morning was CapQuest have threatened to send round ResolveCall to my place (ResolveCall are some sort of debt collection agency) if I do not respond by 30 Aug, and will then have asserted they will have no more dealings with me with things being passed over to ResolveCall. I assert anything CapQuest has ever said is compl
  3. Hello, I have seen nothing here from BT via email since end of Jul last year. The person I was mailing with refused to acknowledge anything and only wanted money but did supply the Ombudsman link. I have not sent anything to the Ombudsman yet, and do not see this on my credit record via Noddle, but as I want to apply for a loan tomorrow, I wonder if it is worth doing anything at the moment. Any advice would be helpful. Thank you.
  4. Hello, I am finally getting back to silverfox1961 here, but regret to say I did not follow any of the advice. I want to apply for a loan tomorrow and have checked on my credit rating via Noddle and still see this nonsense debt here. I disputed this via the dispute mechanism saying the account was closed in 2013 but not sure what to do from here. Is the advice from silverfox1961 still good, and will it be good enough for the loan meeting tomorrow if I do these things today? Thank you for any help here.
  5. Hello All, It has been awhile since I have looked or posted anything. Nothing has happened on my end for months. But, I received a letter in the post a few weeks ago from Capquest offering a settlement amount and then a mark in my credit file saying there will have been a partial clearance of the debt and the file closed. Again, I believe this is statue barred. I have ignored the letters as advised. now, I have just looked at my credit file and have seen marks each month totting up, with a fictional start date, etc... as above. It looks like there is another loan, dupl
  6. Hello, I have been trying to sort out a dispute with BT over an alleged debt from a previous address which started Sep 2012, complaints from Dec 2012. BT erroneously charged me a moving fee of £100 when they said this was not applicable at the time, but at the new address, the service did not work properly. They sent engineers 7 or 8 times, verifying during this process that the fault was theirs and not mine. After weeks of this, they tried to charge me for the move as well as charges for an unusable phone/broadband line. The line was "repaired", meaning that it worked but could fai
  7. Hi dx, Not sure what you mean? Me to post, or KEdin to post? I have not started this SallieMae nonsense again with them yet, but hoped to hear about KEdin's fallout after the last post on 15 Aug 2016. Did I make a mistake in some way with my previous post?
  8. Hi KEdin, It has been quite awhile since I have posted, and nothing to report on my end except I have not heard from Arrow Global nor Capquest in many months, just looking at what has happened with your situation, very similar to mine as we know, I am intrigued as to how the Ombudsman did not respond and how Capquest seem to be trying to bully you. I will follow the same path you did, and see where it ends up, I want to be prepared for when I believe I will end up in the same position you are at the time of this last post. Has anything new occurred since your la
  9. KEdin, Yes, bizarre indeed. They never asked for anything, and in my case, I asked for things very early on as you may have read. I think Statute Barred is the answer in both our cases. I will continue to ignore things and will sort all the paperwork when I return. I imagine you will wait on their response, but I can imagine it could get a bit dicey soon – or not. Do let me know what happens when the 40 days are over; or I will monitor. It will help me in my situation when I get ready to take them on. And cheers for sharing your experience. Horrible for both of us really.
  10. renegadeimp, Cheers for this advice. Nervousness about all the money they have piled on in interest, fees and potential litigation expense is causing me to think about potential futures. Thank you for the dose of sanity - and reality. I will put things together and post back when all is in motion.
  11. silverfox1961, Amazing information here. I guess I knew VF were as slimy as these procedures warrant, but seeing things up front like this - and experiencing it, which is why I am here asking for advice - wow. I will follow your advice as delineated here, but I cannot do it immediately as I need to be away from end of Aug until mid Sep, in case I need to defend myself from a claim letter or need to respond to something with a very short time limit. But thank you for all of this. I will post back when I have put everything in motion.
  12. Thank you BankFodder and silverfox1961, It is a pity I never recorded the phone calls, but I guess I would never have thought to do it as I never really had problems with Vodafone until this incident. And it is a shame that I may just need to suck it up and pay, galling as it is. I do have all the email correspondence detailing everything referred to here but I also realise that the phone recording would have sealed it in my favour. Would you recommend for me to at least contact Ofcom and the ICO/FCA/FOS to get them to find records, deal with the unwarranted default and confront the stain on m
  13. Hi dx100uk, I will follow your last advice and assert Statute Barred as per Scottish law and will also prepare complaint and compensation procedure just in case. I cannot do this now as I need to be away from end of Aug until mid-Sep, in case I get a Claim Form and am not able to respond within the 14 days and thus unable to avoid a summary judgement (as I will be away). I also will need time to prepare a defence in case it would go in this direction. I have looked at the forms from KEdin's thread and the advice on all posts associated and will adjust accordingly,
  14. Hello, I am starting a new thread here after discovering some things on my credit record. The story is: In 2013 whilst I was a Vodafone UK mobile phone customer, a Vodafone phone agent advised me that if I purchased a call package which gave a discount to Intl calls made outwith the UK, this package would cover Russia, which was the country I was going to make calls from. When I returned from that trip in October 2013, I found a bill of £122, increased to £203.70 by Dec 2013. I even offered to pay some portion of the £122 in instalments and paid ~£15 per month as a goodwill gesture.
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