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Everything posted by datxman

  1. What do you mean? What do I do? I feel I have no where to turn I have a disabled wife who is currently undergoing cancer treatment and this is the last thing I need right now
  2. Hi DX100uk, These people are a nightmare, I am not sure what I am looking for in a CCA which would make it legally binding etc. I will try anything to prevent these from getting anymore from me, I have been honest with them and always paid. What should I be looking for in the CCA
  3. Hi all, I am looking for some advice after receiving a letter from Mortimer clarke solicitors on behalf of ME III for an old credit card. Over four years ago I had a letter from MC and I sent in a income and expenditure form and offered £10 per month as payment. I have been paying this without fail but today I got a letter saying that they think I can afford more and that if I do not phone them they will take legal action. My family offered to lend me £1500 towards the debt but the debt is £8800 and they refused it as full and final settlement but accepted the £10 per month. They kept sending me letters saying they would clear the debt for 50% of the outstanding amount but I am unable to get any loans etc. I can't afford to pay anymore and I will not phone them. What are my options - shall I just chance it and go to court? Shall I offer the £1500 again (I will need to see if my family can still help me with this) I am just so worried. Thanks in advance
  4. Hi There, I am need advice on this one. I have today received a letter inside it contained two pages one from welcome dated 20/6/14 saying they have sold my debt and another page dated 22/07/14 from Aktiv saying they have bought my debt. I have been making regular payments although the account is in default, and now I find out that they have sold my debt. I am trying to consider my options on this one as I know I will get threatening phone calls / letters. My first thought is to do a CCA request and my next thought is to go straight in to do a SAR as I believe that this debt is unenforceable. I dont know what the protocol is when a company sells your debt, but I am sure that it is not to send you two letters in the same envelope with one saying it has been sold and the other saying it has bought it. I have claimed back my PPI on this account although I do think I was done out of money because the way in which they presented the figures were very obscure. However that aside What should I do first?
  5. It was in their letter when they replied to my proof of debt letter
  6. Hi All, I have been getting letters from Hillesden securities saying that they are chasing a debt from Lloyds. I asked for proof of debt and they sent me statements from lloyds. The statements showed no payments being made just charges for being overdrawn. The account was put in default in March 2008 however I was unaware of this default. I have not acknowledge the debt and I have not made any payments to them for over six years. It does not show on my credit file. They have now sent the account to a DCA which is MBA, what should I do?
  7. They are refusing my cheques now they have terminated my contract and now using a tracing service to get me phone number even though I had wrote to them asking to put everything in writing I feel as if I am being bullied by these clowns
  8. Well this company contacted myself and caught me a bit off guard. It turns out these are working on behalf of welcome finance who they put me through to without my knowledge. I complained about the underhanded tactics and that I have already told welcome that all contact is to be done in writing. The guy from welcome said I just want to sort out repayment of the loan, to which I replied I have been making payments and yet you fail to cash them. I asked for the address of the Data controller who I should send in a SAR and he went to give me a P.O.box address, I said that I wanted a correct address one that is listed on with the ICO, he said I can give you head office address but if I send it there then it will not get dealt with. He now was me to complete another Income and expenditure sheet and I have to submit copies of my bank statements etc. I would rather go to court than agree with these clowns.
  9. Hi All, Welcome finance have wrote to me to inform me that they have terminated my contract and that I have to pay £4960 or it will be sent to a DCA. What can I do? please help
  10. I have heard that these people phone neighbours as well I don't want this to happen are they allowed to do this?
  11. Hi All, I have received a letter sorry a note from Hillside saying that I have a message waiting for me and I am to contact them within seven days otherwise the message will no longer be available. I am fully aware that these are a track and trace, DCA company. They have also telephoned my home asking to speak to me but I wasnt in. I am at a lost as far as I am aware I have no outstanding debts that I am not dealing with already. So do I contact them or not ? I know the bank and a mobile phone company have wrote to me after having defaulted my accounts back in 2008 despite no payments being made for over 6 years and no default notices received. I could certainly do with some advice on how to tackle this one. Oh I almost forgot Welcome have also terminated my contract after refusing to cash my cheques for payment as they wanted a direct debit set up, but I have a basic bank account due to my financial status. So does that mean they need to stop processing my data in accordance with DPA. Sorry for all the questions but I dont know which way to turn. thanks in advance
  12. I have no firm evidence however I believe it to be around April 2007 any money moved in or out of the account
  13. I have not had any default notice, If I do SAR on the bank, once I have the information what am I looking for ?
  14. Hi There, I have received a letter from DLC stating that I owe them money for a debt with Lloydstsb bank. I haven't used the account for over 6 years however on my credit file it says I defaulted in 2008, I asked for proof of debt and was sent some information which showed charges for having the account and overdraft charges. No payments in or out, in fact one of the charges was for £165 for an unplanned overdraft fee. The statement they sent me date back to oct 2007. I believe this debt is fictional and if it was true then I believe it would be statute barred. Can anyone shed some light on this for me, and suggest what I should do next. Regards Datxman
  15. Ha Ha dont worry Neither can I, I had to use a calculator
  16. One amount is £771 and the other is £384
  17. The defaults were put on my credit file in March 2008 for both accounts. I have not used the account since 2007 so it is within 6 years so it will not be SB'ED I just cant understand why wait this long and why havent I had a default notice or letter of assignment to Hillesden. I am willing to fight this in court even though I may not win.
  18. Both defaults were made the same day in march 2008. I believe the bank will own them but not sure as I have not had any paperwork to say that I was in default. Bank account has not had any money paid in to them since March 2007. I have not heard anything until a company called hillesden securities contact me saying I owed this money and that the debt had been assigned to them but I have no knowledge of this either
  19. Hi Everyone, I have finally managed to get hold of my credit report. Yes the default is stated on there but it had two current accounts with the same bank both are in default - I didn't know you could have two current accounts with the same bank? This debt apparently dates back to 2007 I have no knowledge of what this could be for (honestly) I had sent the proof of debt letter to the DCA asking them to prove the debt and they have just wrote back saying that the debt is mine and that the bank would like to have the money back - surely this is not proof I am writing back to them today to say that I do not accept that this is my debt and that I would like actual proof of this debt. Do they have a set amount of time from me requesting the proof to them providing the proof i.e. 30+12+30 days ? Any advice if I am doing the right thing and what I should do next? Please help me with my questions I am getting distraught over this debt. thanks in advance Datxman
  20. I have tried experian, equifax and noddle and all of the say that my card cannot be verified. My debit card is issued by Northern Rock and it is limited to use in the UK, if I go to a petrol station and pay at the pump I am ok, but if I go in the shop at the same petrol station then my card gets rejected. The problem is with my card, but I cant and dont want a to get a credit card to so that I can get a credit report. I thought the CRA may use an external source outside the UK to verify your card details and was the reason why my card could not be verified on these site as soon as it is checked by a company outside the UK it will reject it. I can't even buy from Amazon.
  21. I am in the UK, the problem I have is that my debit card can only be used in the UK and the CRA must bank outside the UK so my card can't be verified.
  22. If I have sent them a proof of debt letter do they have a set period of time to reply to that letter before making their claim null and void? I am going to write back to the company stating that I asked for proof of debt and that this was not provided. I am willing to go to court as I have no knowledge of this debt and as far as I am aware my account was closed with a zero balance.
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