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frank_spencer

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About frank_spencer

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  1. Hi being threatened with court action from holiday company, the holiday was booked with a deposit and then 2 payments were due to be taken from card, The 1st payment that was due I asked for a extension of 10 days as my mother was ill in hospital, ( I am a self employed taxi driver) they agreed so all was fine, then sadly my mother passed away and the holiday was just forgotten about. Started getting emails saying payment had failed and they would have to cancel the holiday, I really did not care at that time, received an email saying Cancellation charges, and they were the same as the holiday, Now I expected easy jets flight costs were probably due but they have asked for payment for the hotel and transfers etc ATOL protection and transaction fees. I returned the email and asked them to provide receipts for the so called payments for the transfers, hotel etc and they just ignored me, today I have received a letter threatening court action and I dont really know where I stand and what to do Any help would be gratefully appreciated
  2. I shall fill all this in tomorrow thanks for the help, just out of curiosity can I challenge the interest charges?
  3. Already stated I dont have the means to do that sorry
  4. Hi Can I ask what you mean by is the agreement enforceable?
  5. Hi, I am hoping for a little advice Lowells issued a claim against me for the sum of £5200 I confirmed the claim and sent defence in I also requested copies from them of default notice, statements of accounts, credit agreement (post 2007) and also that they legally owned the debt. I received nothing and the claim was stayed. A few days ago I received a statement of accounts and credit agreement and although the covering letter says the default notice is enclosed is was not there, the covering letter basically threatens me to contact them or they will apply for a default judgement to be made against me. After going through the statement I see that out of the total amount owed there is over 3k in interest charges and over 200 in ordinary charges. also there are numerous entries on the statement for accidental death plan for £5.95, in the adjustments part there is also things added such as $400 for TRANS EX TERMS They urge me to contact them and the questions I have is should I and try and negotiate because of the interest charges and other charges and also things like death benefit charges, I mean how many do you need? Should I do this before they potentially lift the stay, Can I argue about these interest charges at all? Or should I write to them and offer them payment to stop any action but acknowledge that I only owe part of the debt?. I cant upload any docs as I dont have the means to but the credit agreement was on 4/12/2007 unsigned but on statement of accounts it says account opened 25/11/2008
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