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steve31

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About steve31

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  1. Recieved a letter today, addressed to "The Occupier". When opened it had my full name and "We need to contact the above named person regarding an important personal matter and we have been provided with your address, if you are the person named please contact us... if you are not please contact us to allow us to update our records..." I wasnt aware I had any debts remaining so I wasn't worried about calling the number. It turned out to be a debt that I 'assumed' had been written off from 7 years ago, that debt was made up of (at the time) unlawful charges and after responding several
  2. I guess I thought this would be the case. We probably get on well because she knows she is getting it good from me! However, my new relationship is under pressure because of it. I guess I'll go to her and ask her to take on the insurance payments.
  3. Hi all, I split with my ex some 6 years ago and since then I have paid CSA of £450 per month (4 kids so 25% of my take home pay of £1800 as it was then!), I have also been paying the full mortgage, a secured loan and the Home Insurance for the house I do not live in. As I write this I can see I am being too generous. I do however get on fine with my ex and I see it as me paying for a roof over the kids heads not hers.I also have no problems seeing my kids anytime I want. However, I am now in dire financial trouble and am looking for ways to reduce my outgoings. I simply do not have e
  4. Hi all, My friend has just shown me some paperwork in which she is claiming back PPI from Welcome, however she started by using a company called Consumer Refund Service, they take 25% of any monies recovered. I have told her she can do this (with some help) and keep all monies recovered. I thought I'd log on here and look for the correct process, however there is so much info on PPI claims I'm becoming overwhelmed! Is there an idiots step by step guide as to claiming? I have found a link to the FSCS detailing how to claim but it looks a little dodgy as the email links back
  5. Thanks guys, I've written to the credit company explaining the death of my father with a brief outline of the circumstances. The research I've done online leads me to believe it will have to be paid for out of what is left of my fathers esate. I dont expect them to show any sympathy. I'll let you know what happens when I hear back from them.
  6. Anybody want to buy a top of the range fully electronic moving/reclining leather sofa and matching armchair?
  7. Hi thanks for the reply. Unfortunately there will be enough in the estate, just, to pay for the sofa but that will be the estate gone. Obviously the money doesn't bring our parents back but we would rather have had that than a sofa! I was hoping there might have been some loophole that meant because not a single penny had yet been paid on the sofa it did not yet belong to my parents and we could have asked the credit company to remove it as it is thier property.
  8. My parents have both just passed away, my father had just taken out a 6 month interest free credit agreement on an expensive (£2500) leather sofa. The sofa was delivered only 3 weeks before they passed. The unsigned payment protection policy was sitting on my dads bedside table, he was probably going to sign and post it the day he was taken into hospital. After paying for the funeral there will only be enough left in the estate to pay for the sofa. I made enquires in the shop it was purchased but was told it is no longer anything to do with them and I was given a number for the company f
  9. We all OK thanx Congrats on the promotion Be sure to let us know how you get on. Take care ;-)
  10. Hey stranger! Maybe ring the court and ask how the claim is progressing?
  11. Glad I stumbled accross this thread, forgot about Studio fleecing me! Years worth of "admin/service charges"!
  12. They are so predictable, reading through the other posts on here you (as Amanda already thought) can tell what the next step is going to be. Only another few months before you get your money back! (Sorry for being so negative- just being realistic from experience!)
  13. My claim was for charges applied that I hadn't actually paid due to being in my overdraft. They threatened me with action to recover the overdraft and it got as far as DCA, when I informed them it was in dispute the DCA asked if Woolwich were aware of this... to which I replied it is going to court so I would think they would! I never heard another word from the DCA! But yes as the account is in dispute they shouldn't be refering it to a DCA. Just make it clear to them you are aware of this fact
  14. Welcome Jessica... Have fun taking on the banks, I am! Don't be daunted, you have plenty of help here! It's a long battle but you will win, Woolwich take everything as far as they can in the hope you will bottle it and cave in. Just stick to your timescales and get what they owe you
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