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spotnot

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Everything posted by spotnot

  1. If you entered into an IVA (an Individual Voluntary Arrangement), then, yes, it will affectyour credit rating. Have you checked your credit reports with the credit reference agencies?
  2. Surely the application form is not sufficient, as an application can be turned down? I thought it had to be an agreement not the application.
  3. Nothing registered with Companies House
  4. A CCA letter is a letter that asks the creditor (the DCA) to forward you a copy of the original signed agreement (not application form) with Capitol One. It costs you £1 to send and the DCA must reply within 12 working days, otherwise they will default. After a further calendar month the debt is unenforceable and they cannot chase you for it without permission from the court. When you send the SAR you must put in that you require all recorded telephone calls. Spot
  5. Jusr realised that my post was a bit preachy!! Apologies. I took out a consolidation loan in 2005 and paid it off in 2006 when I remortgaged and I had no problems getting a mortgage. So a debt consolidation loan didn't affect my credit rating so it shouldn't affect yours. Spot
  6. No it shouldn't do. After all, it just another loan. However remember that it will be secured on your house and you have to be very disciplined not to use your cards again etc. Spot
  7. No worries, glad I could help
  8. Send them a CCA letter and a SAR. This should annoy them somewhat. They must prove that you owe this money. I would have thought that cos you got £200 from Capitol One that this would have wiped out the debt in the first place!! The rest of the money must be charges added on by the DCA. The SAR should give you details of this. Iw ould ahve thought that cos Capitol Ones charges, effectively cancelled the debt, then you shouldn't have to pay any more! In the SAR , you should state that you want ALL information held, including all telephones calls. Spot
  9. PS Also send a SAR to Debitas. You need to send £10 with this request, but you must state in the letter that it must not be applied to your account. This should force Debitas to send you all the info they have on you, including a statement of account. Spot
  10. DCA = Debt Collection Agency. Send the CCA letter to Debitas and also inform them that the debt is in dispute due to unlawful charges. Send the SAR to Capital One and get all your statements off them. Start the claim for the charges. Debitas may send the debt back to Capital One, it depends whether they have bought the debt from Capital One or are just acting for them. The SAR you send to Capital One should provide you with this info. If they are just acting for Capital One, they will probably send the debt back to Capital One. Also while the debt is in dispute, you can stop paying them. Whether or not you do this is entirely up to you. Also, send the harassment by telephone letter to Debitas. I posted the link to this for you on another thread. Send these letter off and earn some breathing space from these muppets! Let us know if you get any replies or need any further help. Spot
  11. Wel Jonni, Looks like you were wrong!! Black Horse had until midnight on the 10th to submit a defence and guess what??? No defence submitted. For some reason my claim has disappeared from MCOL site, so will have to request judgement by post. Have just spoken to the nicest man at MCOL helpdesk who helped every step of the way, even waited til I went to the printer to get the form!! If only the banks were as helpful! Anyway, another waiting game. Fun isn't it!! This could have been so easily resolved if they had just paid me back my £25.40. Oh well, their loss hehe Spot
  12. Definitely contact the police. This comes under intimidation of minors and is very, very serious. This is the one time when the police will take notice of complaints against bailiffs. And a person of 14 can be left alone and can be in charge of those younger than them Absolutely appalling behaviour Spot
  13. Unfortunately the accounts aren't as straight forward as that. They don't always have such specific terms. And it woiuld also be impossible to tell how many debts were included if there was such a figure. I have access to all accounts and can check a few of the DCAs but don't get your hopes up Spot
  14. Hi again, Twiga. Glad you've found the Debts forum. Hopefully now you can start getting this sorted out. Spot
  15. Did you use the 'harasment by telephone' letter in the templates? If so, you should contact Trading Standards and the police. Have a look in the Debts and Bailiffs forum. There are many threads relating to this subject there. Spot
  16. ok This is the letter to stop the phone calls. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html And this is the link to the CCA letter. http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html Scroll down to letter N. Once you have sent these letters off, you can then tackle Capital One over their charges. You will find that any debt you may have is much less than you think. Capital One have paid out nearly £100,000 to members of this site. Look at how others have done it and soon you'll be just like them!! But firstly, get Debitas off your back. That is the priority just now. Good luck and let us know how you get on. Spotnot
  17. Hi Twiga, Firstly, don't let these people frighten you. The best advice I can give is to go and have a look at the Debts and Bailiffs forum. It is up to Debitas to prove that you owe them the money. There is a letter you can send to them which forces them to prove it. Its based on the Consumer Credit Act, and its known as the CCA letter on this site. A template for the letter is in the stickies at the start of the Debts and Bailiffs forum. This letter states that they must send you a copy of the original agreement between you and Capital One. Basically, you send them this letter, amended for your details along with a £1 cheque or postal order. This at least will buy you some time to read more on this site and become more informed. There is another letter you can send which demands that they stop phoning you and deal with you only in writing. I'll post the links to both letters. Spotnot
  18. No worries, will pm them to you later this evening.
  19. Don't pay anything until you receive the copies of the agreements!! It depends on who the Debt collection agencies are. Some are happier receiving a lump sum, whereas others prefer the whole debt to be repaid in tiny amounts!! You have got some time now to read as many of the threads on here as you can. If they do not accept the lump sum, you offer to pay them what you can afford. If its £1 a week, then thats what they'll get!! No court will look down on you for paying what you can!! Anyway, thats way in the future, just wait and see if they produce the original agreements and then post back and we will give you as much help as we can. Good luck Spot
  20. I have the names and addresses for the directors and company secretaries if you still want them.
  21. Great minds Michael!!!! You obviously can type faster than me!!!
  22. Hi and welcome. Everything you need to know is in the Frequently Asked Questions(idiot proof!!) You are right that you need to send £10 to your bank, but you must send the properly worded letter with it. All the template letters can be found in the Template Library. You should spend the next couple of days familiarising yourself with the process and also read as many threads as you can in your banks forum, including all the succes stories, which will often give you a good idea of the whole process. Start a new thread in your banks forum and you will get all the info you need there. Good luck and happy claimimg!! Spot
  23. Hi Lee and welcome. Yes you can claim interest. There are a number of ways you can do this. 1) You can just claim initially for the bank charges and claim 8% when you submit your claim to the Small Claims Court. OR 2) You can use Vampiress's wonderful spreadsheets to work out the compound contractual interest. The spreadsheets are in the Template Library. You can claim either the authorised borrowing rate (usually about 18%) or (as many people have done), claim the unauthorised borrowing rate (about 27-29%). Depending on how old the charge is, the interest can be more than the original charge!! If you use contractual interest rate you cannot calim a further 8% at the Small Claims stage. You should start a new thread in the LLoyds forum as you will get all the help and advice you need there. I hope this helps. Spot
  24. These people are **** and do not waste your time talking to them anymore. If you search for Allied International Credit you will see numerous threads about them and their ridiculous antics. There is a letter you can send them in the Stickies in the Debts and Bailiffs forum. Its called a CCA letter. This letter states that the creditors must be able to provide a true copy of your original agreement within 12 working days. If they do not supply it within those 12 days, they have defaulted and cannot enforce the debt. After a further calendar month, they have committed a criminal act and can be fined. Read as much as you can in the Debts and Bailiffs forum. But in the meantime, do not pay any of these muppets, do not talk to them on the phone and insist that they only communicate with you in writing. There is a letter in the Templates llibrary which you can send them. Its the Harassment by telephone letter. Good luck and do not be intimidated by these idiots. Spot ps Allied International Credit have never contacted me since I sent them a CCA request three months ago.
  25. Hi Merlyn and welcome. Was this letter the first letter you have given to RBS. And did you include a schedule of charges with it? If it was your first letter, ie the prelim letter, did you use the template from the Template library? If the answer is yes to all of the above, then you send the Letter Before Action. This gives the banks notice of your intention to take them to court if they do not comply with your request. This letter can also be found in the Template library. You should also start a thread in the RBS forum and any questions you have can be answered by those who are also fighting RBS and will have been in your position. Read as many of the threads as you can, including the success stories as they will often give the whole process in one thread. Also stick to your own timetable, not theirs. You have given them enough time already, so send them the Letter before action and don't forget to include a breakdown of all the charges. Good luck Spot
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