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About poundland

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  1. I've been ignoring the calls and letters. Now they have sent a letter from another company saying that they want me to contact them or they will send a representative. What do I do?
  2. How often though? And how much constitutes harrassment? I get a letter a fortnight and about 5 calls a week.
  3. Sorry, It was a catalogue credit debt with Express Gifts
  4. After much silence from Cabot they are now saying that the debt still needs paying. They are now harrassing me with phone calls and letters. Where do I stand?
  5. They must know that because they cancelled my direct debit!
  6. I recently made a section 78 CCA request to Cabot who I have been paying a debt off to for 2 years. There was another 12 months left until I realised I could make a CCA request to them. I received a reply today saying that they could not get the info from the original lender, and the account is unenforceable. What data position does this place them in? Can they still request from me or use my data in any way? What about the default under their name on my credit file?
  7. Oh I did! Told the FO that I'd got a statement of account who passed this on to JDW so they knew I knew what I'd been charged. JDW came back with a revised amount totalling to more than my own calculations! Expecting a cheque in the next few days. Won't quite believe it until the cheque is cleared and the £ shifted into my savings account!
  8. OK so I have had contact from JDW who say they are processing my refunds now. I was quoted a figure some £300 short of the calculations using the spreadsheet for one of my refunds. What can I do? It sounds as if I am being ripped off. Do they have to go by the Ombudsmans formula? Does the Ombudsman have to check this first?
  9. OK my bad, however, if it were lost in the post what next? How will we know if its lost or if the time is up and they couldn't fulfil the request?. We all know proof of posting is not proof of receipt.
  10. OK so I sent the DCA the CCA letter with the £1 po and sent it signed for delivery. The tracking looks like it never left the post office after I handed it over. There has been no update for a week. What do I do now?
  11. If it established that the DCA had no right to collect payments from me can I ask for a refund? I have been paying them for over 2 years. Could they then return/sell the debt back to the original creditor (assuming they never held the original cca)?
  12. I can view my account history on Mortimer Clarke website do I send the CCA to Cabot? Cabot have two addresses I have a letter saying the account is managed by Mortimer Clarke and to contact them.
  13. Okay, I've just checked my credit report which says I pay my account to Cabot but my Direct Debit is to Mortimer Clarke. I am now confused. Who do I send a CCA to?
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