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Everything posted by bankerbuster

  1. Many thanks Andy for your much needed education . However I have a few bills from Robinson way , moorcroft ect ect and they all sent me bills with the remittence form on the bottom, are they different ? The only company that I have delt with that has refused me to pay via giro cheque is Lowell? Just trying to understand the system a bit better
  2. Plus if you read it , it was a question I asked "have they "
  3. With All due respect I think you have answered your own question , how can I pay a bill without a bill? Refusing to send me a bill is refusing payment isn't it ?
  4. Yeah I thought that myself that under a sars they will have to provide this information , however their words exactly were ''if I didn't log in and generate it myself then there's no file on the system for that date to show me, which obviously rang the alarm bells for many reasons. I'm still trying to get it and still get the same answer that no file exists. They pulling a fast one ?
  5. I have just found out something worrying via the Credit reference agency's and just wanted to see what other peoples views are on this matter, if any. In my opinion this is worrying because I don't think many people know that information that may be needed in the future is lost in the past If you the public do not act. let me explain, Recently I asked Experian If I could see my credit file for the whole month of September 2009 as I believed that a certain company had been doing some wrong things to my credit files and I needed to prove that they were unlawfully readjusting a default date, a tactic they do all the time to lengthen the time the default is on your credit file. Upon asking for this information I was shocked to be told that because I myself haven't generated the file on that specific date ( logging into Experian and having a look) that there is no records to show me, that they just do not exist. Which basically means that if you don't look at your credit file you will never be able to see what's been going on with your file in the future. I wonder if company's get to know who and who doesn't generate their file. Any thoughts... BB a4v
  6. Many Thanks for your reply Uncle, I was unaware that these collections agency's who buy debt do not have to send out a ''bill'' I would of thought that any one asking for money from you would have to produce to you some sort of ''bill'' under some sort of law? but I'm probably way off, however I did have a debt with Robinson way and they sent a proper ''bill'' with the giro credit slip at the bottom which was adjusted and a a4v was made and accepted without a PN. Would it be possible to ask the original creditors to send this bill? The debts are for two credit cards around £1500 for the two with Capital One and Luma, and Shop Direct around £1500 I do not dispute the debt as I have no reason to. Can I show you my credit file would be easier?
  7. Many thanks Dx for your reply it is much appreciated. My credit files show Three debts to the amount of £5k all of which were placed into default a few months back all assigned to Lowell so no statue barred yet. I have paid them one debt which was cleared just before xmas and was subsequently removed, I was paying them all my carers allowance of 63 per WEEK and they took it like no one business and didn't even care they took it ALL of me every week with out fail which is not going to happen again. All I wanted was a Bill of them and they have refused to give it me , I have the recording if its any good, just goes around the housing me asking for a bill to be sent , them saying we don't send bills.
  8. Hello everyone I hope your all having a good day, I have been sent a few demands for payments in a letter from Lowell portfolio in regards to various debts they have acquired. The letters are threats, demanding for payments and are asking me to phone up and arrange a payment. Today I rang Lowell ( I know, I know) and asked them for over an hour which I have recorded with their knowledge to send me a ''bill'' with a giro slip / cheque / remittance form so I can remedy the accounts they have refused to send me a bill with the remittance / giro form on the bottom. They have said they will send me some sort of acquisition letters and how much I am alleged to owe and their bank details to make payments to, I have no idea if this is the same as a bill but I'm sure its not and after an hour they have point blank refused to send out a ''bill'' so I can remedy via giro credit and said they will only send out an acquisition letter and I can only pay via credit card. I told them that I can not pay a debt without first receiving a bill which in my world would only seem fair and that by refusing my payment offer and refusing my request to send me said bill they have now null and void my debts. They said that they would still come for me for my debts and put the phone down. I'm just wondering what to do now as I haven't got an actual bill to pay the debts just some dodgy threatening letters and they have refused to accept my offer of payment through giro bank credit. I'm just wondering what to do now as I do really want the bill sending to remedy the accounts , do they have to send me a bill or is a demand letter or an acquisition letter classed as a ''Bill''. By refusing my offer of remedy and refusing to send me out a proper bill have they just null and void my debts. Any advise would be greatly appreciated on what to do next as I will not pay via card or debt. Many Thanks BB a4v
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