hello world, and all who ever read my thread, well the update is simple, I have had some money back and despite writing to FOS I have only received a few pounds back from halicrap, the only upside is that I am within £300 of paying off the biggest of my two debts while the smaller debt was cleared. This was not one of the easiest things of my life and two years down the line I am still fighting to get money back. It seems that the Halifax just dont want to listen to reason. i would urge anyone who has the ever read my thread to never give up, these institutions can be barbaric in their approach to ordinary everyday hardworking people who in fact only ever want to pay back what they owe. until such time, me and the halifax will argue. after checking my credit cards accounts on line this morning, it would seem that despite one account being cleared for the last 6 months they still tell me that I am in arrears! how stupid bonkers is that! who do I speak to in order to get that settled?

I suggest you put your efforts into writing them a simple and strighforward letter telling them what you are paying and leave it at that, they will win no favours if they decide to take you to court and a judge rules in your favour, which he will. Make sure that you have done your figures and dont stretch yourself, take everything into account. When did you open this account and how do you know the CA is enforceable - I suggest you post it up here for others to look at. in the meantime send off for a SAR which will cost £10 to see what charges have been added to your account and go and claim them back - DX100 is the chap you need to get hold off - he is excellent and will steer you in the right direction. How long have you been paying payplan and how much is the debt for?

well I'm easy as I dont have far to fall home (propped up by luvvly hubby!) so any day suits me, just need to get a baby sitter.

hi there, I wrote and told them it wasnt enough and they basically told me tough. as I was in arrears and paying back they offset it against what I owed, I am sure they consider it closed - I dont!

my advice to you would be to prepare for your use only an I&E form, to assess what you can actually pay towards this debt. You can set up a SO yourself to pay BOS direct, but if payplan works for you then dont change it. Write to BOS and tell them what you intend to pay and pay it. You can of course pay it direct to the original creditor! nothing stops you doing that. May I ask what this is for? a credit card or loan?

is this a dmp that you have set up yourself? 0845 number dont waste your money!

Hi there Big Shoooz may I ask your reason for contacting them? All advice ever given to me rearding BOS (and there has been a lot) has taught me to keep a track of everything I have ever sent them and only send it recorded. Do not let these people fill you with dread, I learnt that with the help of this forum you can deal with most of what may or will come your way. My advice would be to keep everything in writing and send recorded delivery - that way you get a signature or POD and never sign any letter you send them. Keep everything they send you and write the date on the letter and envelope on any correspondence you receive. also try to keep a tidy file this will help you keep track of whats what. Good luck with everything. Feely

is it not too late to try to get back any money if they consider it settled?

it aint difficult!!!! helllloooooooo Im here - I finally made it hows all - !!!!! blimey see I have been missing a few interesting posts, I am bringing hubby along this time, and pray for no rain as my hair goes stupidly curly!

ok - will have a look and post there - thank you ! xxxxx:oops:

oh it certainly has!!!!!

no, it hasnt got that far yet, I wrote to them twice and they wrote back stating that as the process was under review they were not responding to my claim. I have still heard nothing. when I made a claim against my other halicrap account they refused to pay me the 8% stat int that I was due and got less than 25% of what I was owed.

well well well, how the tables haev turned for the banking giants. I have still not heard a word from the halicrap on my ppi claim - what type of l;etter should i be sending them...... I have paid off my card, although when I log on online it tells me I am in arrears!!! what a hoot!!! any advice as always is gratefully appreciated. xx

can we hope for a lovely summers evening and no rain! makes my hair curly!!

have you been paying anything toward this loan?

hello all whens out next meet? xxxx

well another letter has arrived this morning giving 10 days to pay the debt and stating that we must contact them within 7 days, big red letters telling us not to ignore this letter in the same way as he have previous letters. I knew it would start up again. No I havent read that thread, I will take a trip over to that thread at lunchtime and read in quiet, hopefully I will get some comfort. fdao xx Have spent my lunch reading through some of the posts on P1's, and on further reflection am beginning to feel down about this whole situation. Just want it to be resolved and cant see myself finding £1800 out of nowhere, Santander wont acknowledge us or any of the letters we have written, the letters will continue, perhaps we should just ring Wescot and tell them what we will pay and have done with it. If we lose our home or if they petition for my hubby bankruptcy then so be it, not sure what will happen after that, suppose the Council will have to home us.

hmmm, it will come to a head a some point, just waiting for it!

hello one and all, just an little update, we had another letter from Wescot telling us to pay up or else........ xx

there is PPI and I struggling to get it out of them, they have stayed my claim!

I have it - what do I do with it? apart from the obvious ha ha !!

Hi Caro! Long time no speak! feeley x

feeling mad as a bl*8dy hatter, I called BOS last Tuesday 22 Feb and paid the £80 that I owed to clear this debt once and for all, low and behold I get a letter from Moorcroft this morning dated 24 February demanding the outstanding balance!!!!! I have checked my credit card online with the Halifax and they received my payment on 23 Feb, the balance on the account is nil!!!! any suggestions as I feel the need to call, they have given me until 3 March to settle or litigation.

hi Dotty - I have well and truly battered myself, but at least they owe me and not the other way around on this account. yes I have sent off a ltter, and as per the course not heard anything back, my problem is that I get caught up with life and time runs away,

doh..... I know and if I could aplogise personally to each and every one of you I would, and no I dont want the agro, not in the slightest, just want an end to it, but when they come on the phone stating that they are trying to help me I find it quite staggering. I know, and I ought to feel sheepish about it and I do, the thing is that it was only a small amount and the last part of a huge debt, so was excited about paying it off, just really hacked off at the fact I have been bullied into paying, they were in no way interested in the fact that the account was in dispute, the only saving grace is that when the PPI is paid out they will have to pay me directly the money they owe me and not off set it against any other account. can someone tell me what the stance is regarding the 0845 number as its not cheap to use?