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Magnum

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About Magnum

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  1. Hi can I just ask did you receive a letter from Link first advising that litigation costs had been added prior to receiving court papers. As my husband received a letter on a statute barred MBNA debt which we disputed with Link about 4 years ago. They have not sent any court papers but the debt has had around £2000 added on to it?
  2. Contacted them over a month ago about it have received no response, also advised them I would be making an official complaint.
  3. Well in my case I am the debtor and have been repaying, I just need to know who I should complain to I have looked at the OFT and ICO websites but can see in the thread TS is also mentioned or am I supposed to complain to all three. Also do I just send a letter of complaint with a copy of the Chantry letter, I can feel my stress levels rapidly rising. The tone of thread seems to be taking different twists and turns but am always greatful for any assistance in the right direction I can get from this site.
  4. Hi Yes they contacted my employers in March have just received the letter which shows (from HR asked them to send me a copy) their details as debt recovery specialists stating that I am the defendant and they have important documents to deliver etc. I am already paying them £25.00 per month but they keep stating this is not enough and they cannot accept this. I am really upset and embarrassed now having seen the letter and they clearly know my address is correct as they have sent communication to me at the address to which I have responded. I intend to follow this up with an official complaint at the weekend.
  5. Hi Postggj I am trying to pm you with a copy of the Chantry Letter sent to employer but system says you need to clear some messages to receive new messages
  6. Hi I received the same type of communication today I have an outstanding account with Uncle Buck which I was advised has been passed to Carter Forbes. I also received a text from Uncle Buck today advising me to contact Carter Forbes as my file has been prepared for legal action. I had previously contacted Carter Forbes last month a few times by email and post but have received no reply to communication only emails to call them. I sent goodwill gesture payment in April no response then today I received the email described above from the same person who originally contacted me from Carter Forbes (wasn't from Daz Arbon but same communication). I keep receiving texts to contact by phone from them but have continued with written communication.
  7. sorry to butt into your post but I am wondering if there was any update on this post as Chantry did exactly the same to me. However my HR dept were quite good they contacted me and advised that I did not have to agree to release the information just send them written confimration that I don't agree. Not sure what Chantry's tactic is as I had already been in contact with them for several months (and they have responded to me at my home address) repaying £25.00 per month but as they are adding £99.00 monthly payments this makes no difference as they were unable to get the information they have taken to contacting me again advising that they want my income and expenditure and cannot accept the £25.00. I did not contact them about their contact to my employer (February) and do not know if it is now too late to do this?
  8. I haven't logged on for a while been totally fed up, working myself into deep depresssion. I would just like to say a big thank you to everyone who has responded. Silly Girl thank you so much for your kind offer have been trying hard not to let this get to me but with the threat of redundancy looming at work as well this really is not easy. I am going to read all threads again and see if I can get my head together to deal with this mess.
  9. Thank you guys so much, have just come back home decided to stay at my aunts with my son to get away from it all. Had I read your responses I would have stayed at home. I do feel much better knowing that I have a right to tell them where to get off and not call at my home as this is beginning to affect us all.
  10. Hi All haven't been on for ages life is certainly no better. My problems have just escalated I foolishly thought I could handle my situation my using payday loans to pay off existing debts and I know I was just delaying the inevitable but couldn't face anything. I eventually took my hand out the sand around 7 months ago when it came to the point of my life or deal with the situation. Contacted CCCS after having an emotional down at work and being discovered by a colleague who suggested CCCS could help. Long and short of it they advised contact creditors with I&E advise no disposable income and offer £1. Ask for written communication and don't be intimidated. This has been so hard has got to the point where I have had to change my number as calls continued night and day kids were not allowed to go near the phone. A couple of creditors have accepted for a 6 month review others have just passed me to debt collectors who keep hounding me at work now. Quick quid advised letter dated October - (letter from Gothia) that my debt had been assigned to Gothia and if I did not pay immediately then my debt would be assigned to Red Castle Recoveries for formal recovery. As I did not receive this letter until the end of October I has already paid £1 montly payment to QQ. I then received a letter from IQOR advising that my file had been passed to them for collection by Gothia. Gothia did not advise me of this I also sent a £1 payment to QQ for November no response received. (5 payments sent altogether) I owe them £1508.50. Last week a man called at my home on behalf of IQOR and spoke with my partner left a card and asked him to get me to call to discuss sorting out QQ account. I did not contact him. He called again this evening and I found the card when I came home so called and he advised he was glad I called as the account would be going to Croydon Court next month. He wanted to know how much I could pay, I told him about CCCS advice and payments made to QQ he said bog standard info CCCS churn out and everyone is different and people think different things are priority like some people think £40 month to sky is priority. I said well I don't as don't have that. He said not saying you do but what can you offer. I said didin't want to offer what can't afford and I will have to go to court then. He then was abrupt said file would go back fo court. I am now really worried as he asked if I was married is my husband working and if we owned the house. I was so stressed I answered the questions. My husband was angry as he said that is not his business. My husband isn't working and I said he owned the house. Sorry post is so long but I needed to explain I am now worried that they are going to try and take our home away and just don't know what to do.
  11. Hi Thank you for your responses. Yes I previously sent BLS a CCA and if I can remember correctly transfer of debt information (over a year ago now). I had no further contact with them after this until communications started arriving from 1st Credit about a month ago at our new address. I am going to try and locate the copies of information sent so I can get the dates right and send them the letter you have detailed. Thanks again.
  12. Hi All Haven't been on for a while everything is getting me down. I need some advice with a problem that I am having with 1st Credit Ltd. Approximately 18 years ago I took out a loan and also had two credit cards with TSB. Due to circumstances beyond my control I was unable to keep up the agreed payments. TSB eventually transferred the debt to BLS collections who I made arrangements with I was slowly repaying these debts and paid off both credit cards BLS then approached me 3+ years ago advising that my repayment was not enough and they wanted almost 4 times the amount I was repaying. I advised them that I could not afford the repayments as my husband became seriously ill just prior to this and was unable to work they continued to harrass me and became very rude over the telephone. Eventually I sent them a request for documentation following advice on this site re:transfer of debt and agreement I received nothing and heard no more. I was unable to continue the repayments as my husband has not been able to go back to work since his illness and is still in recovery. I have now started to receive threatening letters from 1st Credit Ltd advising that unless the debt is repaid in full within 14 days they will issue proceedings in the County Court against me. I am struggling as it is and would really appreciate soem advice on this. Thank you
  13. Thanks for the advice. Just going through all my Abbey documents and reviewing site to try and make up my mind.
  14. Hi Sorry to jump in but dont usually get much responses on my own thread Need some help went to court for update yesterday got a general form of judgement or order today stating claim is stayed pending judgement in OFT case. Either party may apply for further directions. Within 7 days of the service of the order I may apply to the court to set aside or to vary the order. Under Part 23 Rule 10. I have read so many threads that I dont know what to do for the best. Am I correct that in the case of Abbey you begin request for lifting stay with complexity of issues, then defence conduct followed by Human rights arguement (etc in removal of stays section). Also my claim is in 2 parts penalty charges and order for compliance of sixth prnciple re data protection. How do I address this as whole claim has been stayed. Abbey did offer me 65% settlement (claim was with contractural interest)which I dont know if I should just accept and quit now. as Hubby is unwell been in and out of hospital for the past 6 weeks, daughter starting college, son due back at school along with a fulltime job and myself returning part time to complete my own degree I think this is all getting a bit too much for me.
  15. Magnum

    Magnum v Abbey

    Hi Not sure if anyone can help me at this late stage as AQ is due in today but as Hubby has been in hospital for the past 3 weeks between fulltime job 2 kids and hospial visits have not had time to get on sight. Have searched all night hence hence red eyed and fuzzy brains but cant seem to find answer. My claim includes order for non-compliance but I do not have a clue what to put on AQ about this or if I need to put anything. Am using AQ new approach with Draft directions for the rest re: charges.
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