i dont think so shes already passed it on to the legal department, i dont have the extra £40 to pay it for the next 3 months and tbh her attitude was disgusting, i think i would rather deal with the legal department than her. im in the process of trying to a loan with my credit union to pay them off, the whole expericne ive had from them is disgusting between the estate not explaining there was get out fees and the re occuring advertising fees, i just want rid of them now and not being held to them in any way.

yes i have clearly stated the reduced payments would be for Oct, Nov and Dec, with the payment going back up to £50 in january with the intention of having the debt cleared by December 2014. i could have left it and they probably wouldnt of even noticed i had reduced it im so angry after the carry on i had with them in the first place.

£670, i only started paying it back at the end of july after complaining about the service i received from them in the first instance. i havent defaulted on a payment and was polite enough to let them know what was happening and the reassurance it would be paid back by next december 2014 as it would have been by £50 a month. its not worth it the dent it would have on my credit history to default the payments.

yes i am

this is there response to me. Thank you for your prompt response however I am unable, as previously indicated by my colleague, to accept your reduced offer of payment out with the security of a Court Decree which will incur Interest & Judicial Expenses. I would suggest that you seek your own independent legal advice as you appear to have been mis-informed on what we as a company must accept as repayment. Based on your response I have, today, instructed, our solicitors, Halliday Campbell to proceed with litigation at which time you may apply to the court for a time to pay order and provided that it is a reasonable offer of payment, in conjunction with your income, we will not oppose.

hi all, i hope this is the right area to post this in. i had previously out my house on the market with Slater Hogg and it didn’t sell. i didn’t realise they were charging me £120 every 3 months to advertise it and when i realised this i took my house off the market and was charge a further £240. now the exit fee and reoccurring fees were never explained to me by the estate agent, and i was to read the small print. as i had run a bill of £940. I offered to pay back £50 a month. i have had to drop my monthly payment to £10 a month for the next 3 months and advised the company of this and stated i would have this money paid back by next December 2014 (which it would be at £50 a month). i have now been threatened with a court decree and my debt has now been passed onto the legal team and they have to proceed with this, i am absolutely gobsmacked with this response and im disgusted, i will be putting my house back on the market January 2015 once ive got the debt clear but ill never be able to get a mortgage with a court decree on my record, especially after i have offered to have the debt paid back. Can someone please help with this .....I havent missed a payment to them yet

well im assunimg its £400 as the overdraft was for 1200 and now there wanting £1600

hi all, can you help. my friend got an overdraft increased on her bank account (the royal bank ) before they started charging every day for overdrafts. she couldnt afford the fee every month and left the bank obviously not paying the daily fee. the orginal overdraft was for £1200 this has now risen to £1600. she is unsure if she went into the back to sign a document for this. within the letter thye have said if you do not make the payment due we may try to take the payment from any current or savings account you have with us. she moved all her finances to another bank. she is on benefits with 2 young children and cant afford to pay a substantial amount every week. i am unsure what she can do with regards to CCA them etc as this ia an overdraft, can you help please

ok thanks for your help ill be back when i get the next threatenting letter

mmm dont no what to do, maybe wait until the next letter arrives then ill cca them

hi no thats fine, no they kept passing it back to Lloyds TSB who in turn have kept passing it about 7 other debt agencies. yes the letter i sent BCW was the account was in dispute, every company i have wrote to specifically said the account was in dispute with BCW

yes it was buchanen clark and wells at the start of feb 2008 abd yes i sent £1 chq.

hi no they havent provided what steps do i take now

hi no PPI charges i claimed them back. this is now the 9th company this has been passed to. the 1st company was ccd in feb 2008 fredickson this is my previous thread about it http://www.consumeractiongroup.co.uk/forum/showthread.php?133402-heather-vs-buchananclark-amp-wells&p=3507960#post3507960

hi i think thats it

I received 2 letters today in the same envelope. 1 from Lloyds TSB and 1 from IND LTD. i havent made a payment since Feb 2007, was defaulted in March 2008 and lloyds have failed to provide any credit agreement, i receved a letter from SRJ debt recoveries saying they done a confirmation of residence and they are acting on behalf of IND lts. what do i do now?this was a loan, as i had two overdafts consolidated and a loan into one big loan i will atatch the letters i received lloyds.pdf PDFOnline[2].pdf srj.pdf

hi i also got letters in the same envelope from lloyds tsb and IND Ltd. i havent made a payment since Feb 2007, was defaulted in March 2008 and lloyds have failed to provide any credit agreement, i receved a letter from SRJ debt recoveries saying they done a confirmation of residence and they are acting on behalf of IND lts. what do i do now

im just having a look at the letters sent to me, i recived 2 letters in one envelope, one from lloyds tsb (i think, looks a bit fake to me as the writing on the bottom is very blurred) and one from ind saying the debt has been assigned to and ind are now the data controller of my personal data contained in the records of this account

hi can someone help me on this the last payment i made was about feb 07, i was defaulted in april 08.

hi can anyone help me please

hi i know this thread is very old, but i received a letter from ind saying the debt had been sold to them from lloyds tsb, tis morning i received a letter from srj debt recoveries saying ind had been trying to contat me on numerous occasions bearing in mind i have only had one letter and they have done a confimred resident check. tis will now be the 7th compnay to chase me for this debt and no credit agreement has been received. my default was was sent on april 2008, i ve had no cotnact with any company for over a year. what do i do now. any help woud be grateful

well last night my moorcroft debt collector appeared at the door again with a requste that i give him a letter on the 4th feb to pass onto moorcroft statingh i have requestred the credit agrement. he also gave a me a payment card and he was going to hand me a financial breakdown form. i told him this needs to gte passed backt o buchanane clarke and wells who i 1st requested it from his reposnse is they are more efficient lol just about to send my letter of to them

hi there im back again, i received a couple of letters from moorcroft debt collection and ignored them, im scik of sending the same infortion all the time to different compince, well last night watchigj the telly about 8pm here came a debt collector from moorcroft wanting to make an appointment with me. i told him and that i wont be making an appointment he said it was to organise repayment. i then informed him that i was still eyt to receive a proper credit agreement and that his compnay was the 5/6 compnay that was trying to get me to pay th debt. he was very pleasant and said thats fine ill let my head offcie know about this. what do i do from here do i need to send another letter asking them not to come to my door, i have already sent a letter asking them to put it back to the original debot collection agency to which they replied about some court case in which the guy was made to pay the debt. can anyone help

i had 2 loans, which they put together, and i got £300 extra on top of it (the clutch had went on my car), and made the payment over 12 years

oh it all seems to be happening now, came home yesterday and there was a lovely letter from trading standards, basically saying they had received my complaint against all the compnaies that have hassled me for the money, and i have to fill in a form which allows them to use my case, when they are collating more evidence against the bad companies, OFT cant do anything