Jump to content
CAG Ticker
Car dealer who sold death traps and forged court papers ×
Are you going to pay your builder or your second-hand car dealer in cash or with a bank transfer? ×
Have we helped you – would you like to make a donation to us?
Car dealer who sold death traps and forged court papers
Are you going to pay your builder or your second-hand car dealer in cash or with a bank transfer?

poundland

Registered Users

Change your profile picture
 View Profile  See their activity

  • Content Count

    40

  • Joined

  • Last visited

 Content Type 

Everything posted by poundland

  1. poundland
    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. poundland
    How often though? And how much constitutes harrassment? I get a letter a fortnight and about 5 calls a week.
  3. poundland
    Sorry, It was a catalogue credit debt with Express Gifts
  4. poundland
    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. poundland
    They must know that because they cancelled my direct debit!
  6. poundland
    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. poundland
    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. poundland
    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. poundland
    So I just wait the timeframe out?
  10. poundland
    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.
  11. poundland
    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?
  12. poundland
    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)?
  13. poundland
    Sorry, Cabot
  14. poundland
    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.
  15. poundland
    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?
  16. poundland
    moorcroft
  17. poundland
    Both debts show on the credit record. One as payable to the DCA (Cabot, but The Studio account shows as closed and satisfied) and the Barclaycard shows as a default with reducing balance, I pay a DCA for that one but it doesnt show.
  18. poundland
    If the debt is unenforcable do I stop paying? If so , will it affect my credit record?
  19. poundland
    Thankyou for clarifying. If the payments to the DCAs appear on my credit file what happens then?
  20. poundland
    No I get that. I shan't stop paying but please, in laymans terms, what do you mean by cash cowed? I think I know but can you be a bit clearer. I am new to this.
  21. poundland
    Why? I know how much I owed. Do you mean it could be unenforceable? I'm sorry I am confused. Its all on my credit report. What will happen if I stop paying?
  22. poundland
    So what happens then? Is it unenforcable if they cannot comply? Who do I send it to? Sorry but not come across this before.
  23. poundland
    Actually I have started an irresponsible lending complaint against Studio. I have had several cases upheld by the FOS recently which date to the same time as this so I may just hang fire against them and keep paying off. I made an SAR to Studio who haven't sent it to me within the timescale they said they would. Still waiting. Barclaycard I was just paying the minimum payment each month by DD but it was over limit and the charges piled up. I stopped paying to make it go into default and prevent interest and charges accruing further. Stupidly I ignored their letters and they
  24. poundland
    The debt to Studio I have been paying for about 2 years at £50 per month. There is a balance of about £550 The Barclaycard debt I have been repaying at £25 per month for about 10 months. The balance is about the same. They both appear on my credit report. I just want rid of them now, I have a chance to knock a hole in both.
  25. poundland
    One is Mail order the other is Barclaycard

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...