I’ve posted this in case it helps anyoneelse in the same boat; I received it from the DWP today, basically it’s lookinglike seven Trent is no better than a dodgyset ofdebt collectors, telling lies and making threats,Oh and not to forget all the money they make for their shareholders. Dear ??** Re: Your enquiry regarding deduction forSevern Trent As of today we have received no requestfrom Severn Trent for deductions for water arrears. If we did I can advise youthat we would only take £3.40 per week for arrears & calculate amount for currentusage. However as you have made a financialarrangement with Severn Trent I would assume that no request will be sentthrough. You will need to make it clear to Severn Trent that you do not want tomake deductions from your benefit. I cannot speak on behalf of Severn Trentas to the regulations they have regarding paying off arrears, you will have todiscuss that with them I am afraid. Needless to say I have also written toseven Trent telling them what I think (so to speak)

Many thanks for that, much appreciated. can’t believe they would just try iton like that, who do these people think they are L

I'v just had a letter out of the blue from seven trent saying that they are to take money direct from my beneifit, money which I cannot afford. I have alredy set up a standing order for £10 per month which they have alredy had 2 payments. please can you advise what I should do to stop this . Many thanks.

Hi, I just wondered if anyone could advise me what to do next please. Cheers

it looks like Moorcroft are under the impression that the cost of asking for a credit agreement has gone up, LOL. Mind you they did get the date wrong on the letter also; perhaps the brain cell was out of the office that day http://i587.photobucket.com/albums/ss318/everthecool1/doc082.jpg

Had half a rain forest through letterbox this morning, 14 pages in all,. 8 pages of which me thinks, they think, are terms and conditions (it would have been a waste of time to have scanned them because it’s all virtually unreadable see pic 7) Oh, and the letter is a reply from a few months back where they tried to say I hadn’t sent them a £1 I notice there is nothing with any signatures on anything,, could this be significant . http://i587.photobucket.com/albums/ss318/everthecool1/63.jpg http://i587.photobucket.com/albums/ss318/everthecool1/64.jpg http://i587.photobucket.com/albums/ss318/everthecool1/65.jpg http://i587.photobucket.com/albums/ss318/everthecool1/66.jpg http://i587.photobucket.com/albums/ss318/everthecool1/70.jpg http://i587.photobucket.com/albums/ss318/everthecool1/doc069.jpg http://i587.photobucket.com/albums/ss318/everthecool1/state1.jpg http://i587.photobucket.com/albums/ss318/everthecool1/state2.jpg

oops

Hi all, just to let you know that i sent harrassed senior's letter /CCA request to NatWest card services as they were the last company to contact me, however i have not received anything back from them so far but I did receive the following from Moorcroft, Moorcroft Debt recovery limited ~Pre-Court division We acknowledge receipt of recent correspondence with regards to the above account. Please be assured that your account is now on hold whilst we investigate this matter further with our client and that we will communicate their response upon receipt. In the meantime if you require any further information or assistance please do not hesitate to contact us on the above telephone number. Yours sincerely, A.J Martin Debt Recovery Manager so i don’t know if it’s the CCA request or the letter I sent before that to Moorcroft that they are referring to, guess I’ll just have to sit tight and see what happens next

thanks for everyone's help, I will let you know how I get on .. Cheers

Many thanks victoria_siempre how do I get proof of receipt ? apparently post office online just reads as going through our network

Sorry to be a pain but can I ask, if recorded delivery is the best way to send the letter harrassed senior kindly drafted for me ? I ask the question because the lady in my post office informed me that some of her customers have experienced difficulty when using recorded delivery to post to NatWest and other similar company’s. She says the problem is people have been unable to get a copy of the signed for signature because NatWest’s mail is delivered in bulk into a mail room, and therefore gets one signature for sack loads of mail. And I just wondered what your thoughts where ? Cheers

Wow, that’s great, thanks so much, the last letter I had was from NatWest (that’s the one I posted here) Before that it was Moorcroft, and before that Green & Co all of which (after a bit of research on different forums ) I am led to believe are NatWest’s in house collectors so I guess it’s NatWest whose chasing now.

Hi all, many thanks for your input. App was made online in 2003, and I fell behind about 2 yrs ago. Also tried to reclaim charges abo same time but it was a no go after the banks got away with it. I have also applied to NatWest to be considered under their hardship scheme, but they just ignored my letter

Many thanks for all the advice, its certainly food for thought

Thanks For that, the debt is about 2 years old, but i've had the card since 2003

Hi, I wondered if anyone could please advise me about a problem I am trying to sort out between my wife and NatWest Card Services. I have asked for a CCA which they didn’t supply they then referred the account to all the usual suspects, Moorcroft, Triton Credit Services, Green&Co, ect’. I’ve just received the letter below and wondered if anyone could please tell me what if anything I can do next Cheers Thank you for your letter dated ***January 2011. Regarding your recent letter concerning the Banks alleged breach of the CCA, I would advise you of the following. Any request for a copy of an executed agreement under s78(1), states that the company must meet it's statutory requirements by providing a 'true copy' of the agreement relevant to the card product at the date the card agreement was made, plus a copy of the terms of the card product. These copies should be accompanied by the statement of financial information relating to the account. When responding to requests under 578 we are compliant if we provide a true copy' o! To: agreement in accordance with Regulations 342) and 7 (1) (b) of the Consumer Credlt ' (Cancellation Notices and Copies of Documents) Regulations 1983. This means that there is no obligation for us to provide a copy of the original agreement bearing signatures. Additionally, under Regulation 3 (2) a 'true copy' does not need to contain all personal information relating to the borrower, nor does it need to include a signature box or dates of signatures. ' We have supplied a copy of the credit agreement that you agreed to after which you then received your credit card. We have also supplied a copy of the original and current Terms and Conditions of that card product with the prescribed terms and a statement showing the outstanding balance. We have advised you who you need to contact to discuss amounts due and owing, and future payments that must be paid. We have therefore met our obligations under s78(1) to provide a copy of that executed agreement and again we are satisfied that what was provided complied with the Regulations expressly made for controlling what is a 'true doped. l must therefore inform you that we see no reason to enter into further correspondence with you about alleged CCA breaches. If you are not satisfied with this response, you may seek whatever legal redress you consider is open to you. We do not consider this account to be in dispute and your indebtedness on this account remains due and payable and we will be pursuing for the full repayment. All non-payments have been recorded on your credit file is has the default due to non-payment. I suggest that you take advice from your local Citizen's Advice Bureau or other similar organisation if you continue to doubt the veracity of what we have told you about our having complied with our obligations under s78(1). l trust this clarifies matters for you. Yours sincerely, Mr D. Cater Correspondence Officer

They seem to be ignoring the fact that the account was in dispute before they bought it, and they keep pointing out that It says under application, Credit agreement regulated by consumer credit act 1974

same file in bmp

They say that this is an agreement and terms / conditions (please see atched)

Just received this along with packet full of statements, some of which are in $ and not £’s, strange as I’ve never been out of the country. I write further to my letter dated ****. Please find a copy of statements relating to the above referenced account together with a copy of Agreement and terms and conditions for your review. Your account will remain on hold for a further 14 days to await your response. If a response is not forthcoming then your account will be returned to CapQuest collection department to discuss your outstanding balance. Should you wish to discuss this matter further please contact me on **** . Yours sincerely

Been on phone trying to get through to shelter,, No joy, line busy

Hadn’t thought of that, I’ll give them a call, many thanks

I just wondered if anyone could advise me as I’m in a bit of a fix, and sorry for the length of the thread I have lived in the same rented house with my family since 1994 and when we first moved in we were on a low income wage so we received full housing benefit. Over the years an illness that my wife had suffered with, became bad enough to stop her working and a few years later I also had to stop work to care for her. During this time our landlord has only put up the rent once and the benefit people said they would not pay the increase, I was advised at the time that because we had claimed in 1994 we came under special circumstances housing benefit agreed and continued to pay full rent. The problem has arisen once again as our landlord has increased the rent ( the 2nd time since 1994) and this time housing benefit are saying the will be paying £17 per week less than we were getting originally and £30 per wk less than the latest increase. We are struggling badly financially as it is so there is no way we can make up the shortfall especially as we have rent arrears already I am worried that me may be asked to leave. Any help would be appreciated Cheers

many thanks , sorry to be a pain

Thanks Cerberusalert, i tryed notpad and it worked a treet,, sory 4 multiple postings but here is the letter without the font discription etc, Had another letter from CapQuest, they just don’t seem to wont to get the message . the part where it says “I have enclosed a further copy for your review” is a laugh as there was nothing else in with the letter they sent. Dear Mrs **** Firstly let me apologise for not responding to your letter dated ***2010 i can confirm this occurred due to a clerical error and I apologise for any inconvenience this may have caused. I can confirm CapQuest have not requested any payment from you while your account has been disputed. You refer to the requirement that the document is an agreement not an application. You will see that the document is headed ''Credit Agreement Regulated by the Consumer Credit Act 1974', In the box where you signed is the wording ''This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound by its terms.'' The document operates as an application for a credit card which when accepted becomes a binding agreement. I have enclosed a further copy for your review. As agreed in your terms and conditions, Marbles Credit Card reserved the right to process and distribute your data in the event of your account falling into default. I am currently awaiting further documentation from Marbles Credit Card and these documents will be forwarded to you on my receipt whilst your account remains on hold. Should you wish to discuss this matter further please contact me on