No im not but at this stage they wont drop non d/d charge totally.

They actually charge £3 per phone per month, so how do they justify that? its still only one payment! so if you have 5 phones it costs you £15 for them to press a button! When i said what my contract didnt say and i had spoken to Ofcom and sid i would hold them to breach of contract, they backed off Muppets!

Ive called Orange CS and had a go about non d/d charge-(nearly every month and had some sort of refund ) someone was supposed to call me back but never did ! Called today and was told they had spoken to contracts dept and 1 d/d charge would be waived from now on!! IT DOESNT SAY IN MY CONTRACT THEY WILL CHARGE TWICE!! section 6.3.1 under payments in phone handbook small victory but a victory none the less! £3 better in my pocket per month! Give them grief - tell them youve spoken to Ofcom and Trading Standards and will hold them in breach of contract if they continue to charge this fine!

Spoke to Orange today and expressed concern that i was again bieng charged - nay fined! for not paying by d/d again!! had charges removed in Jan and Feb and now put back on again! Spoke to TS this morning too! got some info and asked orange to tell me where in my T & C it say i will be billed 2 non d/d charges for my 2 phones on 1 account??? There answer is section 6 6.3.1 " we reserve the right to charge an administration fee each month for payments not made by direct debit" IT DOESNT SAY ANYWHERE IN THAT STATEMENT THERE WILL BE BILLING PER PHONE! They say they can change your contract and charge what they like when they like- CARTE BLANCHE - i dont think so ! so if you had 5 phones they would charge £15 for non d/d!! asked for the address of executive office and told them i would be contacting them and also OFCOM as i felt it was an unfair charg and penalty to loyal customers- been ther over 10 years!. They are supposed to be calling me back later after talking to their contract people!

Solicitor is called geoffrey parker bourne - all in lower case??? and the print type on letter is strangely the same font as BCW and layout the same?? Same people from a different angle??

I have 2 phones on 1 account and they have been charging me twice for non d/d on both phones £6! caled up the other month spoke to someone and got 1 set of charges deleted and credit for a couple of charges , also told that from then on only one £3 charge would be applied, get my bill today all the refunded charges have been addded back on and my wife called to complain and was told we have to pay its in your contract, but i have time and dates of calls and who i spoke to when i had charges dropped!! To55er5

Think i will be mailing this chap!

I also have exactly the same letter from BCW and now passed to a solicitor who want s paying in 7 days or start legal proceedings! Was going to call them and say the debt is ststute barred, i do not acknowledge the debt and i am contacting TS as this is harrassment!

Bloody hell !! Got my CCJ through this morning - that was quick! never got the option to attend court. Court has ordered me to pay £1 pm until debt is paid :grin: :grin: , its what i offered in the first place as a temp measure till i could sort things out, now they can have £1pm for as long as it takes to clear £8000 !! Only downside is i now have a CCJ Monday i will be sending the claim back charges letters to the bank , can i send 2 accounts but only pay 1 lot of £10 or £10 per account?

Bloody hell !! Got my CCJ through this morning - that was quick! Court has ordered me to pay £1 pm until debt is paid :D , its what i offered in the first place as a temp measure till i could sort things out, now they can have £1pm for as long as it takes to clear £8000 !! Only downside is i now have a CCJ

Ive just been sent a ccj form from S C M . Filled it in with some information-yes i do owe the money and gave a copy of income /expenditure and wrote a story to the effect that LLoyds gave me bad advice by telling me to let my accounts go to arrrears before they could help me out ( i approached them before i got into this situation for help! ) and when i did they set the dogs on me!! Anyway, now i have a letter from SCM syaing they have requested the judgement be entered - will the court decide on what i have to pay even if its obvious i have no spare money and have cut back on everything? LLoyds have an agreement with my wife to pay £1 pm temp, i have another account also defaulted and have offered £1 pm temp, but have heard nothing from them- i sent £1 back with offer letter, what will happen if they tell me to pay an amount i cant pay? can they make you bancrupt or sell your house for the debt?? if house joint owned can they make you sell?? can i appeal against it ? can i go to the judgement and give my side?? Thanks.

Ive just been sent a ccj form from S C M too filled it in with some information -yes i do owe the money and gave a copy of income /expenditure and wrote a story to the effect that LLoyds gave me bad advice by telling me to let my accounts go to arrrears before they could help me out ( i approached them before i got into this situation for help! ) and when i did they set the dogs on me!! now i have a letter from SCM syaing they have requested the judgement be entered - will the court decide on what i have to pay even if its obvious i have no spare money and have cut back on everything? LLoyds have an agreement with my wife to pay £1 pm temp, i have another account also defaulted and have offered £1 pm temp, but have heard nothing from them - i sent £1 back with offer letter, what will happen if they tell me to pay an amount i cant pay? can they make you bancrupt or sell your house for the debt?? if house joint owned can they make you sell?? can i appeal against it ? can i go to the judgement and give my side?? Thanks.

Thanks guys, soon as iget time i'll send the letter to these mongrels!!

Anyone know which letter to stop them coming round?

Re: letter from aktiv kapital I got a letter back from BCW explaining what the debt is for and is from an old Barclays account over 6 years ago. I denied i owed them on the phone and it wasnt me:rolleyes: they said they couldnt disclose who/what debt was for with me if i wasnt the debtor- then send me a letter telling me what its about? clever? I now have a VISIT BY DEBT INVESTIGATION OFFICER letter!! I havent lived at my old address for over 8 years, i havent paid any money to them, havent called them or written any letters , there is nothing on my experian credit file to do with them,so i assume its statute barred and unenforceable??? They say i breached my contract twice- once when i changed address - i assume the other was failing to pay? If any one turns up - and i doubt they will from reading other posts i can just tell them they are tresspassing and get off my land. Should i be worried? The wife is petrified that someone will turn up while im at work! Ive told her to let NO-ONE into the house while im not there. Thanks

I got a letter back from BCW explaining what the debt is for and is from an old Barclays account over 6 years ago. I denied i owed them on the phone and it wasnt me:rolleyes: they said they couldnt disclose who/what debt was for with me if i wasnt the debtor- then send me a letter telling me what its about? clever? I now have a VISIT BY DEBT INVESTIGATION OFFICER letter!! I havent lived at my old address for over 8 years, i havent paid any money to them, havent called them or written any letters , there is nothing on my experian credit file to do with them,so i assume its statute barred and unenforceable??? They say i breached my contract twice- once when i changed address - i assume the other was failing to pay? If any one turns up - and i doubt they will from reading other posts i can just tell them they are tresspassing and get off my land. Should i be worried? The wife is petrified that someone will turn up while im at work! Ive told her to let NO-ONE into the house while im not there. Thanks

I prob will have but havent had the time to look into it yet?

Posted the claim back with an expenditure form showing what ai can pay and also a little story in my defence about lloyds screwing me over! And i put down - house jointly owned! dont know if that would make a difference? All my other creditors have accepted my temporary offer- just lloyds causing a ruck!! :-x

Possibly but i have a short fall of £125 every month! Forthwith order?? whats that? :?

Mortgaged! but very little equity

So im pretty shafted then? I cant afford to pay it off and i dont suppose calling them to try to get them to cancel it will work?

What if you have moved address within that time but didnt inform them?

I got back today from visiting a family member that is very ill and found a CCJ Claim on the doorstep from Sechari Clark and Wells taking me to court for an unpaid LLoyds TSB acount- i do owe the money but.............. i had various calls from BLS saying i had to pay them they wrote letters called all the time etc, the last time i spoke to them i said i have had nothing from my bank to say you are taking over the collections and until i do i will not speak to you, they said they are part of Lloyds and will get a letter sent to me nothing ever turned up and they continued to call at all times of day and night, i now have had a couple of letters from SCW saying they have been instructed to collect for lloyds, 2 seperate companies chasing the same thing??? but understand now they are the same as BLS? Basically i went to LLoyds before my account went into the red and explained i was having finacial difficulties and wouldnt be able to pay my monthly commitments to them- basically i was told there is nothing we can do for you as you are in a unique situation where you are still in the black , let the accounts got to arrears and we can do something- yes, what they did was give me bad advice and cause nothing but grief:-x then set the dogs on me. I dont dispute i owe the money nearly 8k i have sent them an offer of £1 pm (as a temp measure until i can get sorted out )with a statement of earnings/income/expenditure etc been in touch with consumer credit council / citzens advice etc all who are hopeless:mad: as i earn too much to get any help apparently?? I cannot afford to pay them- simple . i have offered what i can, is there any way i can stop the ccj going ahead??? am at my wits end as no one will listen or give advice thats worth anything. Any advice gratefully received.

Got a letter from BCW today after i spoke to them on them on the phone 2 weeks ago - i did not acknowledge any debt - said they had the wrong person! The letter today says who the money was owed to - Barclays default date 30/6/98 at my last known address, i havent spoken to written to or paid any money to anyone since them - basically i was made redundant years ago and the insurance i took out with a loan and had been paying didnt cover me inthe small print!!! so i could nt pay it. i havent lived at my old address for over 7 years so can the enforce the debt?? my experian file has nothing on it regarding this but they do say i didnt tell them about a change of address!. They say they they are the legal owners of the debt and must be paid in full in 5 days HELP? Should i send them the letter saying i dont acknowledge the debt and if they pursue i will contact the OFT?? Or do they have a case :-( Thanks

Got another letter from BCW today "LEGAL NOTIFICATION" Despite repeated requests for payment - 2 letters! we can now prepare docs for a case against you in court .................... yada yada yada! Checked my credit report but it only shows my recent bank/cc/mortgage etc - nothing old no ccj's etc . So i call them ,number withheld and say i have a letter from you saying i owe you money - they ask for name dob addy postcode etc i say yes that is me, BUT i do not know who you are, i do not know who Aktiv Kapital are , i dont owe you or them any money, i think you must have the wrong person and i deny i owe this money, i do not acknowledge this debt! They asked if a previous address was mine - i said no , as i havent lived there for about 8 years. Told them i had a similar letter a few months ago from another company in Glasgow saying i owe them money too- got the creditors details from them , chased it myself (before i found this very helpful site!!!) and spoke to someone in records only to find there was someone on file with the same name and dob as me!!! went back to debt company told them what i had found and perhaps it would be a better idea to do thier homework before harrassing people -never heard from them again or got an apology! if i keep ignoring these obviously dubious letters, they cant pursue me as it 8 yrs old ?- i havent paid or acknowledged the debt so they cant take me to court?? i hope? :? Surely they have to prove the debt is yours?? not you prove it isnt? thier must hundreds of people with the same name and dob??