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  1. I will certainly be watching with interest to see what happens with the others who are experiencing these 'split claims' lol....was thinking about what was in the letter I got today. The money shop 'exchanged' money with me. So payday loans can now be called payday exchanges.....Yes! it does have a nice ring to it:lol:
  2. Wow! how slimy is that??? so i'm guessing that whilst I think this demand is for half the debt....in fact the 'other half' is probably much bigger.....with charges etc added on. I think I shall CCA the money shop whilst I'm waiting for Bryan Carter to obtain the supporting docs they mentioned. I'm sure anything produced probably is enforceable as someone said earlier. At least being forewarned about how this is likely to go is something I suppose. I don't like surprises! It's all very confusing....but I suppose that's exactly whats intended here
  3. Thanks very much for that lord tiger. Have spent all morning trying to find some of my corre from the money shop. All I can find so far is a letter they sent when the cheque bounced (i did tell them it was going to!). I've realised something VERY strange. Bryan Carter are only demanding half of what is actually owed to the money shop. What is that all about??...why only chase half a debt. Totally confused now
  4. so I should sit and wait to see what, if anything, bryan carter come up with? Is there any point in me replying to the letter?
  5. The payday loan company is The Money Shop. I tried for a long time to arrange a payment plan with them but they wouldn't agree. I gave up trying and hoped it would be passed to a DCA who would accept a realistic repayment plan. Bryan Carter's letter does say they have requested supporting docs from their client which will be reverted to me in due course. And if they're trying to confuse me....it worked!! I thought a loan was a loan?
  6. Last week i recieved a letter from bryan carter solicitors chasing an outstanding payday loan. The letter basically gave me 10 days to pay up before court action is taken. I know from the numerous posts on here about bryan carter that they are one DCA who actually are likely to go down the court route. I sent them a CCA and £1 postal order. Today I have recieved a reply (with my postal order back) stating that my payday loan was in fact an exchange between their client and me and not a supply of credit and is not covered under the CCA 1974. Is this correct? If it is then what else can I do to avoid this going to court? Any help much appreciated
  7. if you have informed them of change of circs as you have said then don't worry i have had an overpayment every single year since tax credits began (due to my ever changing circs!) every time i have kept them informed and every time they have mucked up if they dispute you informed them, SAR them (they don't charge) they will send you a paper mountain and cds of any phonecalls you have made. I have disputed every overpayment successfully by doing this. It takes alot of trawling but it's there and you can prove the mistake is theirs and not yours
  8. I had a rough month last month....car probs anyway i managed to go over my agreed overdraft limit 4 times (the most by £8.01) yesterday I had various charges taken out my account 1. over limit fee £15.00 2. over limit fee £25.00 3. over limit fee £35.00 4. over limit fee £5.00 I also had a monthly over limit fee of £25.00 as well so well over £100 in charges which has totally crippled me. What i don't get is how can going over the limit vary from £5 right up to £35.....surely the charge should be consistent every time? I've looked at the amounts i've gone over and it has no bearing on the amount charged.....how can it be fair to say one time costs £5, anothe costs £25 and so on.... Yes, I was careless.....but how can banks justify such varied charges
  9. have had no replies as yet to any of my requests to anyone.....surprise! all i've had is one letter from cars threatening a doorstep collector and advising me that if this debt is in dispute to let them know so that they can 'help me resolve the dispute' ....should i tell them that i dispute the amount of different companies chasing this debt??
  10. high spirits? well you have to don't you have just reported this lot to trading standards and ofcom over the telephone harassment...i had enough. they ignored every offer of payment and today sent me a default notice for the amount owed plus a whopping £275 in charges
  11. I now know that vanquis definately haven't sent me a default notice. After a painstaking search through my paper mountain I have found my last statement from them. On the front of the statement there is a printed message that states - 'your details have been passed to 1st Credit limited to recover the outstanding debt. Please contact them directly with any queries' Now where does that leave me?? No default notice and the whole debt being chased by 1st credit (c£800) despite the arrears on the accont being less than £300 Any advice on this would be greatly appreciated. Thanks
  12. Statutory demand....sounds scary. The debt is for around the £800 mark so do you think that a stat demand is likely? I don't own any property any assets at all really so I doubt taking that route would get them far. Having had a better look at the letters from connaught and CARS there is a difference of about £35 between the amount that they claim is owed so it looks like someone is adding interest or charges to it. I'm still confused as to where CARS come into all this. i get the connaught/1st credit part of it but can't find any connection between connaught and CARS. Will SAR vanquis and 1st credit and think i should CCA CARS as well. Will probably get another letter from someone else by the time I've done that!
  13. ok after the letter from C.A.R.S yesterday.....today i get yet another letter from Connaught offering me 50% discount on outstanding balance if I pay up now I am soooooooo confused if connaught and C.A.R.S are not the same people then that means that 2 companies are chasing the same debt.
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