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littlej4121

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About littlej4121

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. That is exactly what I'm worrying about... from the information I have found (thanks mainly to CAG), it seems that the letter has to admit liability for the debt in some way. However, I worry that total denial was not factual enough in the first letter I sent (see copy above). I have nothing to lose, at this stage. All I can do is continue with a more emphatic letter explaining my position, which is that I do not accept responsibility for this debt. I also want detailed information as to the debts history etc. I'm going to take my time, and reappraise with each response they send. I
  4. Hi guys thanks a lot for you advice, seems I have got the situation all messed up. I checked my statements and there were indeed three payments made (by cheque) which would have my signature on them. This means that I will have to send them a letter asking them to sent further proof that the debt belongs to me and risk the chance of 'debt avoidance:('
  5. I've made a mistake!! I wrote to a creditor last week, assuming that the assumed debt was statute bared, however, this seems not to be the case... I received a response from the creditor saying that the statute bared hasn't come to pass as yet. It doesn't until September 2012!! Four months time...sheeesh The original debt is from 2001, however, it seems that a payment had been made in sept 2006. Which means it's still active. I received a print out of three previous payments made around that time, September 2006 being the last one. My question is, what might be the best way
  6. I have sent my LBT and am waiting for a response. However I have received further charges in the mean time. My question is can I add these charges to my court claim if the do not pay up, or would I have to start the process over again for these charges? J x
  7. OMG I am sending my LBA today and I usually send a copy of all correspondence via email because I get an automated response saying they have received it. Today though I noticed something strange!! As I accessed my online account details and went onto the contact us section where I would normally be given the option to e mail them, I was given a list of phone numbers and no e-mail facility!!! Has this happened to anyone else??? I will have to make sure I record the postage delivery now!!! What say you??? J x
  8. Hi bracken It's a deal, we will get our money from them and i so look forward to reading that you have forced them to get their blankaty blank cheque book and pen out!! Getting more addicted now!!! J x
  9. To be honest i am looking to the monyclaim option at this point also!! Good luck! J x
  10. Hi folks!! What do you think of this for my LBA?? LETTER BEFORE ACTION Dear Sir/Madam, You are now aware, I understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. Again, I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complie
  11. Hi bracken hun!! Thanks for your post on my thread!! Seems you’re a step ahead of me. I can’t believe the struggle you seem to be having!! They seem to be trying their luck at every turn!! Would it be possible to see the letter you have sent them declining their offer of £310? Did you e-mail and post it?? I am about to draft mine and post it on my thread I figure now is the time to start sending all correspondence by recorded delivery. Just to be sure I don’t get the “Opps what letter?” response. I am also going to take monkey_uk’s advice to avoid telephone conversations as it s
  12. Thanks monkey_uk!! That’s a great bit of advice!! I will continue to avoid any telephone conversations with them. I Agree it will not further my cause if I allow them to try to gain leverage over the phone. Jx
  13. Here is the response to my initial request for the reinstatement of the charges Initial request for reimbursement of charges reply Dear XXXX Thank you for your recent letter. I tried to call you to discuss your but you weren’t available to take my call. I am sure you will appreciate that like other organizations we incur costs for every transaction made. When we pay an item against an unauthorized overdraft or return an item unpaid, we incur costs regardless of the shortfall involved. We belief it is fair to pass these costs on to the accounts affected rather than
  14. Hi all!!! I just want to make it clear that I think this site is possibly the 8th wonder of the world. The 9th would have to be that the banks have got away with this for so long! I am really impressed at how welcoming and supportive everyone is and the wealth of good solid information there is. Everyone is so polite in all the posts I’ve read so far, I haven’t once heard words such as day and light or even robbery. A big well done to the bright spark that woke up to them and wanted to open the flood gates on day asses!!! Pat yourselves on the back J x
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