Hi My Wife Has Received A Threatening Phone Call From Ruthbridge Over A Citicard Debt That Was Purchased First By Dlc And Now Ruthbridge, Sent Dlc Cca Request On 16th Jan No Reply So Obviously Didnt Have It And They Have Then Sold The Debt On To Ruthbridge What Can You Do About It? Do I Have To Resend Cca Request To These Arrogant Horrible People

thanks for that as the request was received by them on the 11/1/07 should i receive all documents by 19/2/07 12 days and 28 days that would be 40 days from the first request thanks

hi, i sent to capquest for my cca on 8/1/07 for a debt they purchased from citicard i received a reply from them on 12/1/07 saying account would be placed on hold for 28 days whilst they obtain the required information, i received a further letter today 10/2/07 stating they have requested this info directly from citicard and are awaiting a response, and will contact me within 28days, as they have purchased the debt from citicard (confimed by letter and s.a.r and the letter sent from them states DEBT PURCHASED FROM: CITICARD) they are now the creditiors so should they not have bought the cca and rights of assignment from citicard when the debt was sold to them and not need to contact citi as the debt is no longer citis problem? please anybody help

Just had notice d&g solicitors intend to defend all of my claim (no surprise there then) I assume i will recieve allocation questionaire shortly? it says they have 28 days to submit their defence, can anyone help me so i know what i should recevie from d&g or county courts and what i need to send and to whom thanks

but does this still mean that if the DCA does not hold a copy of your CCA the debt is unenforceable? cheers

paid my MCOL today so now well in motion will let everyone know how i get on

sent prelim letter and schedule for £1700 got a reply today stating barclays disagree charges of £40 per month as an arrears admin charge are unfair but did accept liabillity for wrongful default notices and have appologised and removed all defaults from credit reference agencies (slight satisfaction there) i am about to send my LBA in the next 24 hours so any help if im doing anything wrong would be greatly appreciated thanks

thanks, that was kinda the way i was thinking, im claiming over £6.5k so even if they say no to reversing the £150 i can afford to soak it up as i do want to keep my account open cheers lateralus for your help much appreciated will post any happenings shortly

thanks, i think ill keep it as it is and make my MCOL on friday and claim the £150 later on

called into my branch today to discuss the informal overdraft fee (they agreed to remove it as my account was £265 in credit when £125 payment asked for - cheeky!) so thought i would ask for my next charges info which was £150 to be debited on 8/2/2007 they gave me a printout of this, can i add this to my MCOL as i will be submitting it on 18/1/2007 and these charges arent due to come out till 8/2/2007 any help greatly appreciated

Thanks for the help!!! ive just been on moneyclaim online and can make my claim there for full amount £6550 inc 8% interest, although got a letter on saturday saying HSBC are charging me £25 for informally declining an overdraft (no idea what this is about wonder if theyre trying to get their own back!) and a further £25 everytime they need to do this whilst im ovedrawn so will call into the branch and try and get a summary of these to add on as i need to initiate proceedings by friday 18th jan going to cost me £250 for court but money well spent and will not be too long before ive got it back will keep everyone informed of my progress and if i need any help cheers

thanks how do i contact a moderator? cheers

in the LBA stage (to commence proceedings on 17th jan) with HSBC for £5860 wondering whether i should go for it all or lower to £5000 for the small claims court any advice would be greatly appreciated thanks

Sent my claim & charges schedule for £400 on 13th december 2006 received their reply 28/12 saying Barclaycard will charge fees for late / missed payment or exceeding the credit limit. All charges applied to your account were in accordance with the terms and conditions therefore we do not feel a refund is justified. Customer satisfaction is utmost blah blah blah!!!!!!! Should i now send my Letter befor action? BARCLAYCARD ADDRESS: ANN HOPE BARCLAYCARD HOUSE PO BOX 5592 NORTHAMPTON NN4 1ZY

how can you post on here? thanks

hi everyone just to introduce myself im themadcap, im currently in the process of reclaiming £5685 from HSBC all schedules prelims posted and recieved currently in LBA mode, managed to get back £210 from barclays after a £300 claim (thiught best to cut my losses on that one not worth the fight for £90) anyway still waiting for data protection info from cap1, easymoney, barclaycard and citicard (heard these can be a nightmare) will let everyone know how in getting on thanks for this excellent site will send paypal donationwhen money comes through