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wotsundermykilt

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About wotsundermykilt

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  1. This topic was closed on 10 March 2019. 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 09 March 2019. 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. Hi all, I have sent final letters etc & declined final offers from both the above banks but unfortunately I have been off work for the last 10 weeks & have not been able to get out to do anything more with ref the court actions. Do i have to inform the banks that i am still taking them to court after this long delay since my last letters to them, or can i just crack on with the court forms now? Also not sure exactly what to put on the forms for example address, what should i say etc so if anyone can help me i would be most appreciative.Lueeze was good to me initailly when i st
  4. Will have a look when i finish work tonight Martin thanks. sounds interesting. I have read somewhere about getting your defaults removed but cannot remember if its the same one. Thanks for all your help & the scales of justice have been attacked by my mouse for all your information on my behalf Mike
  5. Will the date of the default be the same as when B.O.S administered it or will it be from when the dca registered it? IE: I thought you could only put 1 default against 1 debt but if I am wrong then I am being penalised again even though i pay regular Mike
  6. Martin are you telling me that the debt collection agency will have issued a default against me now which means if I take no action it will be another 6 years before it comes off my file? Also I am presuming if I ask for all my up to date statements again, i will not get them from the bank? I will not get my contract or default proof from them either? This stinks of the bank getting out while they can because they know they have not handled my account in an appropriate way arghhhh. Right this Monday I have a day off work so will do all the relevant paperwork I need to do or i will g
  7. Thanks giveitback. I think I need to make my posts shorter & more to the point so that people will not be scared away from reading such long posts. Mike
  8. B.O.S. have sold my debt inclusive of charges onto a company called Cabot Financial services. They originally gave it to Blair Oliver Scott who are just B.O.S collecters I am led to believe.Throughout the time Blair Oliver Scott handled the account I still got statements from B.O.S directly & either exceeding a supposed overdraft fee of £28 monthly or interest added or both whichever seemed to take their fancy.I got all my statements from them a couple of months back but now they have sold it all on. Why would they do this? Are they still the liable party or should all correspondence be th
  9. Just a thought who should have the default documents & the signed contracts? The Bank or the company they have just sold the debt onto? I am presuming the bank of scotland have sold this debt on, because they knew i was looking into their bad practices or bad handling of my account by demanding all my old statements & just sold it on cheaply?
  10. Thanks Martin you have been a great help. not sure what you meant by schedule in your other post but nevertheless you have been helpful.thanks again Mike
  11. Thanks Dave, i will look for the template for that & get it sent off. Mike
  12. Can the bank default me without letting me know (they have 2003) & can they default you, if you can prove you made a regular payment to your account, no matter how small? Mike
  13. forgot to mention that the threatening letters are coming from retail bank collections trinity road halifax & the other letters charging me interest & unauthorised overdraft fee's are coming from the mound in edinburgh
  14. Thanks for your help once again. Is the 12 days for a copy of my agreement & the 1 month for the default to be shown to me because i have another joint account that they say defaulted but i was never informed at the time & they have just sold it onto another company.(I have the statements from that account) By the way I have visited loads of threads & my head is minced trying to take it all in. Its scary stuff & I just worry i am taking on too much mike
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