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Everything posted by Vampyra

  1. 12 working days to reply, plus 2 then the 30 calender days. By which stage they have committed a criminal offence by not supplying the CA as per your request. Please only send a £1.00 postal order with the instructions for usage in the letter and on the back of the PO - i.e. "This postal order to only be cashed to pay for a Credit Agreement request under 1974 Consumer Credit Act." Send only by Recorded Delivery - a bit costly but mighty effective!
  2. No worries BB - I only just found out. But this BC CCJ which shows as unresolved even though it's paid, was back in 2005 so we shall see what occurs. Hence me asking as I'm usually pretty good on these myself, but this one stumped me!
  3. Thanks babybear, I've had word from Curlyben and been advised to CCA this as there is some issue with CCJ's for part amounts being done. Quoting Curlyben
  4. Yep thanks Rory - been looking this up - even though we are registered with TPS. It says International but no number is left. I have no idea what it is for though only started 2 days ago. 80
  5. Suddenly started getting these - not sure what for. Dunno if it's a DCA or indeed one of those hoaxes which when you answer charge you £10 a minute or something. But the answer phone takes it and it's always a silent call. Anyone else had similar?
  6. Oh just a thought - I didn't pay the CCJ - the OH did. Even though it was paid within the time limit it still sits on my credit file as unresolved.
  7. Yeah hopefully the wonderous Curlyben will come along soon as he is so clued up with this sort of thing.
  8. YouTube - Alice Cooper Steven Live! Alice Cooper - Steven - listen to it all to get where I'm coming from! I'd be concerned hearing that down the phone!
  9. Telephone Man - Marilee Wilson: I went to my apartment on a Monday at one A-singin’ do lolly, lolly shicky bum, shicky bum Started movin’ in it on a Tuesday at two A-singin’ do lolly, lolly shicky do, shicky do Wednesday at three I called the phone company, singin’: “Hey baby, put a phone in for me” Thursday at four he came a-knockin’ at my door, singin’: “Hey, baby, I’m your telephone man You just show me where you want it and I’ll put it where I can I can put it in the bedroom, I can put it in the hall I can put it in the bathroom, I can hang it on the wall You
  10. It's not because I didn't know about CCAing at the time of the CCJ. But I do now and wonder if I can still CCA a debt which already has a CCJ on it which has been paid, if you see what I mean? I wonder if by paying part of it I've admitted the debt?
  11. "Get the [email protected]@k Out" - Skid Row "Welcome to my Nightmare" - Alice Cooper "Fiddle About" - The Who from Tommy "Wrong Number" - The Cure "Smoothe Operater" - Sade "I Hate People" - Anti Nowhere League
  12. Any news about if I should CCA Lowells?
  13. I shall be come Monday when I've got some money. Thanks.
  14. If they have not provided a CA they cannot call in the debt - they have to prove you owe the money.
  15. Yes I think this is os - but want to be sure. And I can't afford it anyway so want to try to CA them for it. I've also started getting loads of phone calls from all the other companies who never provided a CA, because it's beginning of the financial year and they've passed it on to new DC's. Anyhow, I'm sure you are right about the CCJ but would love to find out if I can CA them too!
  16. 3 Years ago I got a swift CCJ from Cap1 via Bryan Carter & Co, as I was mis-informed by Citizen's Advice as to how to answer it. Long and short, my defence was never shown to the judge, and was awared a lovely CCJ if I didn't pay £250 within a month. It was paid but I later found out the CCJ was on my credit file and down as unresolved. Other day, I recieved a letter from Cap1 in with a letter from Lowells telling me the rest of the £400 odd quid was being sought after and if not sorted asap CCJ papers were being got together. Now, I would normally send a CA request - but as they
  17. Let's take this slowly. Firstly, whatever happens, do not send the CCS back to Bryan Carter, Fredrickson or Cyclone Assett. Whatever you are advised, you must only send this form and your copy of the CCA request to the Court and do not accept the debt. Second they cannot call in a debt without proving the debt and they certainly cannot take you to Court on this. What they hope is that you will send the form back to them with your defence and they will lose that and say you never replied to the CCS. The judge will be shown you have paid and pass judgement and you will get a CCJ. FACT.
  18. Please see this: http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/127811-interesting-mackenzie-hall-letter.html No contact with Littlewoods since I last bought some clothes around 10yrs ago and don't recall owing them any money.
  19. I've just read this thread http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/125327-phoenix-recoveries-ltd-r.html This Pheonix Recoveries is mentioned on the letter which has a Standing Order Manadate on it. This appears to be Littlewoods and I have nothing to do with Littlewoods. However, I did have some clothes from Littlewoods about 8 or 10 years ago and I don't recall ever owing them money. Now I really am stunned! Well looks like this one is either gonna go poof and disappear or I'll have a huge fight on my hands. CCA do you think?
  20. Thanks for your replies. Just to confirm it's not Littlewoods - I don't have a Littlewoods account. And it is Direct Shop. I am confused and there is no customer account number which I recognise. Thanks for the letter ODC, will send off and find out what on earth it is about. All debts are accounted for with other stupid bods!
  21. I won't say too much now, but this morning I recieved a letter from this lot claiming I owe someone I have NEVER heard of money. Their client is called just Direct Shop - I have never dealt with anyone called Direct Shop. I will in due course CCA them to find out what this is all about. They claim to have been trying in vein to contact me for ages, tis the first letter I have had and no phone calls either. Am confused, but will play the game for now til I know what on earth is going on!
  22. Well, we sorta touched on the possibility of that when we heard Lowells were taking donation calls for that big charity, didn't we! We joked - unfortunately we were closer to the truth than we realised!
  23. Even more reason not to panic - they have to now produce the properly executed Credit Agreement. Until that time, the account is in dispute and they can't move.
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