Hi I have been paying my DCA Idem then passed to Arden for almost a year but I have just gone into a Debt Management Plan so have not paid them for 2 months I just dont have the money as i couldnt keep up the repayments i instructed a debt managment plan I owe Arden 2,000 they have just landed with a solicitors letter what should i do contact the solicitors or not?

Hi everyone, I'm new here, but never did I think I would be in the situation where I would need help. I was shopping in Sainsburys on the 16th Nov and myself and my partner brought about £60 worth of items with the hand hold self scanner, anyway, after walking through the exit, two of the guards grabbed us and said ''I know what you did''. Took me to the back room, and accused us of stealing a tin of roses as my partner put it in the trolley without my knowledge simple mistake,, in the shock of it all i must of dropped the receipt outside the store,, as the guards wanted it and i could not find,, they said well it was in your hand i said well its not now is it we were escorted through the store one in front and one guard behind,, I was shocked, in hindsight, I know I was on autopilot mode as my partner had paid for all the items and had pushed the trolley out of the store I explained that to the guard, but he wasn't having it i said theres been some mistake and offered to pay for the item, and looking directly over me in an intimidating manner whilst we were seated and he said ''you purposely placed items in the trolley without scanning them and we have already called the police,,, he then started the previous wk shopping where myself and my partner had been "randomly tested" at the scan and go tills but through a fault of the scanner everything had to be redone through a normal check point and it came to £227 as we had brought alot more than normal as we were getting ready for xmas & it was my mothers birthday but he said there was only £97 on the scanner before it went through which i replied thats incorrect the guard then said well this is you nector card isnt it? I said well i used mine to activate the scanner but after the confusion at the till point we used my partners and she paid,, but on his paper work only my details were present,, he said i was lying and that i could explain it to the police he and the manager then said all your visit to sainsburys comes to 60-80 per wk thats pretty consistent and by this point i had enough of there manners, i replied with well its called sticking to a budget which he then said well he cant manage that consistence..i said thats not my fault The police turned up whilst we waited in there holding room with the door open and staff continued to walk past very embarrassing for the both of us,,,, after the store discussed the matter with the police came into say they would service me a a penalty notice of £100 and i said to both of us? the officer said no its been treated as u were working together and i said well put it in my name then which the officer did,,,, Anyway, they gave us a form, banning us and let us go. To be honest, I was glad to get out and didn't care if I was banned for life. we were also refunded the amount we had paid but even then i still offered to pay bcus i really didnt wanna have to go shopping again that day , (which i did to tesco and spent £80) then when they refunded the money they gave us £4 to much as we had used a coupon so this proves there tils can not be accurate but on the 21st (the letter was dated the 19th 3 days after the incident) we both get a letter from DWF stating: Dear Sirs (seriously? as my partner is a women) Our Client: Sainsburys Supermarkets Balance Due: £150 This sum is broken down as follows: Value of goods stolen £0.00 Value of goods damaged £0.00 Value of cash stolen £0.00 Security costs £150.00 my first question is why have me and my partner got a letter each when the guards and police dealt with it as a joint offence and secondly is this scare tactics? will there be more letters with threats of civil actions? Please Advise guys! Many Thanks

Hello. I just want to say, I don't dispute my loan with WDA. I know I owe them money, I just disbute how much I owe them. I took out a loan with WDA for £385 (with interest total owed was £518) last year, I was unable to pay it back and was put on a payment plan. In the summer this year I could no longer stick with the payment plan and WDA refused me another payment plan. Since july this year I have not made any payments to them. while I was on a payment plan they froze my interest. My balance was £350 at this point. Last month I got emails from ardent DCA asking me to pay up, they are asking me for £515. I have told them my balance was £350 but they are telling me WDA has added £165 interest for no payment since 31/05/13. They claim to have put a *Daily Interest applied £2.75 charge onto the balance but that doesn't even add up to £165. Also on the statement of account letter that WDA provided me with last month it says "Default Date: 29/06/2012" so how can they default me and then add interest? Or freeze my interest and then re-add interest? Ardent DCA told me they will accept £360 in full and final settlement of this account, if I don't pay and want a payment plan split into 3 months it will be on £515. How is that legal? Anyway, I refused and today I got a letter from moon beevers solicitors, please advise me guys; 14 november 2013 Ref;xxxx Re; wage day advance We act for the above named, having been instructed by its collection agents. Debt & revenue services, whom we understand attempted to contact you regarding the det you owe wage day advance in the sum of £515. You will appreciate that you are contracually bound to make payment and our client cannot continue to tolerate non-payment of that which is due. If you are experiencing genuine financial difficulty, then we urge you to contact debt and revenue services to explain your circumstances and agree to a payment plan which you are able to manage and maintain. In the absence of such contact by you and/or payment in full within 14 days of the date of this letter, then it is our clients current intention to issue county court proceedings against you for the sum of £515 in addition to legal costs and any interest due. Such proceedings will be issued out of northampton county court and served upon you by post. If proceedings are issued and you fail to sere a legitimate defence our client will request the court to enter a judgment against you in its favour. If any judgment so awarded remains unpaid it will be subject of enforcement action without further notice. For the avoidance of doubt and so that you are fully aware of our clients intentions, we feel it only fair to inform you that out clients preferred methid of enforcement in your case is to apply to the court for an attachment of earnings order. This means the court will be requested to order your employer to decuct monies from your wages in payment of your debt and legal costs etc, subject to a protected earning rate. This matter has now reached critical stage, but not to late to resolve the matter. Contact debt and revenue service. Yours faithfully, xx

Hi there, We have received a Repossession Order from the halifax. We owe £4000 arrears,and until last week thought we were coming to an agreement.We havent actually missed a payment, just not paid the full amount. I did manage to secure more hours at work and was going to make an offer to pay our contractual monthly payments plus an extra £150 to help clear the arrears,this would be paid every 4 weeks (that is how my wages are paid,and it makes it easier,on payday just go to the bank and pay it directly) we received a letter from the solicitors on Tuesday saying our case was being handled by them, and yesterday we recieved a court repossession order for 19th December.Its all happened so quickly and I really dont know what to do, I am typing this through tears so apologise for any spelling mistakes. Thanks.

Good afternoon all We have periodically received letters chasing a £1084.24 debt for Lloyd's tsb. The debt was either an overdraft or credit card and is appx 8/9 years old. Latest letters from Lowell's and Hamptons which threatens to pass to Fredrickson international Ltd who will apply charging order, warrant of execution etc. What should I do? Also we had failed IVA with debt free direct appx 7 years ago and other than annual statements from one creditor, Tesco we have heard nothing. We owed around 5 creditors appx 40,000. Should I worry? I think about it every day. Finally in process of selling house where we will have small amount of equity(30,000) Will this be affected? I guess no chance of a mortgage? We have no further debt, loans etc for 8 years. Help please:smile:

Hi guys, Received a registered post with piles of papers from this same solicitor PM Legal, demanding 1000 pounds + compensation, in the same situation as Dempsey40. Can anyone received same letters update any outcome or solution? Thanks!

This morning I have recieved a court claim form from Bryan Carter solicitors from a debt from 2008 worth £1701.43 with the costs and interest they are pursuing it is £2368 It was a debt from 2008 I made some payments in 2008 before being hospitalised for 18mths. I have had one letter from them in 2009 but nothing since. Is there anything I can do? My house is in my name. I do not have an income or savings and receive just DLA Issue date of my claim form is 04 Oct 2013

I have received same letters from same solicitors since August. I am in the process of dealing with it. I have done reasonable amount of research into legal cases involving this Palmer Biggs and Ebay however no one have confirmed of the outcome after ignoring the letter. Anyone have any new updates?

Hi New to this thread, received the same letter haven't signed anything yet. Please can people update as and when things happen and will do the same. Also @ Tom what was the final settlement agreed as solicitors fees seem extreme. Thanks

Help! I received a letter from these people today. The letter was headed INTENTION TO ISSUE PROCEEDINGS. Giving me 10 days to pay the balance or they will CONsIDER THE ISSUE OF PROCEEDINGS. It is for an o2 debt from tthis year so no escaping that I can not afford to pay anything meaningfull to them. I also noted that the letter was dated 02/09/2013 I only received it today do they do this to catch you out. They dont accept emails and seem very insistant that I contact them by phone and I will never do that. What is the best way to deal with this.

Had a letter from GPB Solicitors regarding an Orange Mobile Phone Account. Now to be fair, I did have an Orange Account which I had closed down some time ago. Started receiving letters from BCW regarding a tracing of the account, then they settled on being the person they were looking for. Started receiving letters from them regarding payment. All sent second class and some arrived after the date they wanted payment. Idiots! Interestingly the letters they sent over the course of a couple of months all had various different balances from £180 - £90 to now owing £265.00 to GPB Solicitors Lots of may's / could etc in the letters including the following line "However, failure to respond could leave us with no alternative other than to take legal action against you." Ignore? Will be making a complaint to Orange to find out what has happened and why. I suspect they've not cancelled the contract correctly. Ironically I have a contract with EE which is being serviced correctly so I'd love to know what they think they're playing at Do I need to inform GPB also or should I replenish my supply of toilet paper Thanks Caggers

Hi can anyone advise my next step please. Had a letter from Bryan carter solicitors saying they were acting for Lowwel financial limited for an outstanding debt I sent Bryan carter a cca last week, I had a reply from them and they sent the cca and postal order back saying I must send the cca and request it direct to Lowell financial? Is this correct do I need to resend this or are they playing games? Thanks mw

Hi all, I was hoping you may be able to give me some advice. The background is this:- I had a credit card with CapitalOne but after poor health left me unemployed, I struggled to pay my bills and ended up using the card to pay for food when things got really bad. Unfortunately, I ended up going £6 over my limit and despite informing them of my situation (albeit via phone), the charges and interest just spiralled out of control until they had added hundreds onto my debt. They were calling me and my dad up to 5 times a day and I ended up reporting them to the Ombudsman - a great move as they stopped the harassment then. I had found the CCCS and was able to use their help to get the £1 a month agreement with CapitalOne. I have never missed a payment but they had defaulted it anyway and that has stopped me getting any credit (and places to live because of it!) since 2009. My health has actually deteriorated and as the debt is now about £721, it would never be cleared in a reasonable time like this but I have no other option. I recently accessed my credit file and my history on that is great - it is literally only capOne that shows up as 'red' for the 2009 default. This is where things got interesting... I had also noted that my other creditors (4) all show our arrangement of £1 a month with every month listed and up to date. The CapOne debt however only shows the default in 2009 and no other payment is recorded on there, to show that our arranged payments are up to date. I called them and I asked if they could please show this on there, like the other creditors do (I've got no statements from CapOne either to show any of my payments over these years but have from the others). The answer was "No" - "not the way we do things". As I can't see my financial situation improving, this would mean having problems in my credit history for ever! I explained that I was concerned about that as my situation was brought about by my disabilities and was simply told that it is "important to keep your payments up to date so that your account stays with us". .. This is where I told them that I would rather it was with someone else, that may show my payments to them are up to date. I was then informed that if I missed 2 of my payments, it would be passed onto a debt collection agency. I let them have a 'care of' address (my dad's address) as I was moving soon but did not know my forwarding address yet but my mobile number was still valid if they needed to talk to me. I stopped paying and waited... Sure enough, about 8 weeks later, I got a letter from Fredrickson's to my dad's address and had some missed calls on my mobile, with messages for me to call Fredrickson's. I also found out however, that they had also been harassing my dad with calls - not a number I had ever given them and this made me think twice before contacting them. I researched them on here instead and the general advice was not to call them but to ignore them and so I have been doing that, in the hope that they will give up and pass the debt on again to someone else. I then got a letter to my new address, which I had obviously not given them, that was asking for confirmation of whether I lived there. I ignored it. Today I got a letter from Bryan Carter Solicitors though and I've seen what they can be like from threads on here so this is when I thought I should ask for advice. I tells me that I must contact Fredrickson's within the next 14 days to arrange repayment, failing which they will recommend that proceedings be issued against me and it lists the costs. It then goes on to tell me that I can avoid the account being formally referred by calling Fredrickson's 'immediately' and that this is a 'serious matter' and that I 'may wish to seek independent legal advice'. Can they issue legal proceedings if I have had no communication with them and have not confirmed this as my address or is this just another scare tactic to illicit a response from me at this address? If I should respond, does anyone know if they would show my payments as being up to date on a credit file or are they just as bad as CapOne? Should I be sending a SAR to CapOne or a CCA to Bryan Carter? Any advice is greatly appreciated. If they obtain a CCJ against me, it would defeat the object of trying to rescue my credit history so that is definitely something that I do not want. Apologies for the essay!

Hi ya I'm new on this and am actively following above thread as it's happening to me too with these solicitors. The difference is that I have ignored them and someone turned up at my door (not them, but I believe they are from the Court...probably a messenger) .Anyone had this experience before?

Hi! Im new to all this and dont know much im sorry i got a letter from Bryan Carter solicitors llp about a debt of £700 odd. It says to call Fredricksons within 14days to pay it and the client is Lowell. I am really confused and scared as i have no idea what its for and it said this is a serious matter and i may wish to seek independant legal advice!! Can someone please help me as i have no idea what to do!!!! Thank you.

i have just received similar email from palmer briggs any update on your case?

I had the misfortune to have a legal dispute with a neighbour ( a big corporate business) over parking rights. Knowing the history of the land and that predecessors in title had parked for over 35 years and being physically threatened and harrassed I went to a solicitor for some initial advice. That solicitor advised that a potential witness was a friend of his and we agreed that I would write to my legal insurance company to see if they would cover him undertaking the work, given his unique position. To cut a long story short, though I wrote to my insurance company straight away my solicitor did diddly squat in respect of contacting potential witnesses and thus provide my insurance company with the information they required to assess if they would cover my claim. I only found this out when he presented me with a bill. He only started doing any work after I received court papers from the other party some three months after I had initially visited him. It was at the point that he forwarded details of his costs and I discovered that my legal insurance only covered claims and not defences and I was f*cked financially. The other party settled out of Court and I won my right to a parking space but I was left with large legal bill. I complained to the Legal Ombudsman after complaining to the solicitors and getting no response within 8 weeks. Initally the Pre Legal Ombudsman found that there had been a delay but that there no issues re costs and that as I had no written evidence of my right to park it was doubtful that the insurance company would have funded the matter.. My solicitors had by then responded to my complaint acknowldeging a costs issue and offering a 20% reduction in fees which the pre Omdudsman person felt was fair. The firm presented me at this time with a bill for just over £5000. I appealed this given that the solicitors had accepted that there were cost issues and that the legal premise for my claim to park, prescriptive easement was based on there not being any documentation but witness's statements from those who had been parking there since the 1970's The actual Ombudsman then found that there was no delay ( no reason given) but that there were costs issues. He dismissed the fact that I could have had legal insurance to cover at least part of the costs on spurious grounds and found that the firms offer of a 20% discount was reasonable (what a surprise) but should extend to all the fees paid to them in the past and the future.He stated that he would not get into the reasonableness of the costs which I may latter wish to complain about but that I would have cause t complain if they did not offer a discount in the future. I was presented with a bill for just over £5000 to cover all the outstanding costs by the firm.. I have already paid over a grand to the solicitor and £2500 for the barrister. I paid £4500 and promised to pay the £500 + at the beginning of the next month. I hand delivered a cheque for the outstanding amount as promised and thought no more. Then I get another bill for just over £1700 relating to costs that I thought I had already paid when I paid the £5000 bill, especially given the firms letter of offer states that I owed just over £5000 and that following the Ombudsman's decision ( which I didnt accept) the firm again wrote to advise “that the total from start to finish of your case is £5000” inclusive of VAT taking into account the 20% discount offered. I knew this was incorrect as Id already paid them a £1000 and the legal Ombudsman seemed to arrive at a different figure but I just wanted to draw a line under the whole matter and move on and similarly to not challenging the Ombudsman's decision, which I could have as he gave no reason as to why he found no delay, I didnt challenge it and just paid it. As work was still continuing I expected a further invoice for approx £1000 minus 20% Anyway, I ignored the bill thinking they would realise that they had made an error but then a further letter arrived stating that I still owed monies but not specifying what they were. I checked my online account and noted that the cheque I paid had not been cashed. I wrote another cheque for the £500 + which I hand delivered and emailed advising that I had again hand delivered a cheque for the outstanding monies as my first cheque appeared to have been uncashed by them and highlighted the erroneous letter wanting £1700 Today, a four days later I receive a letter advising that owe £1000 for the continuing work which I have no problem with apart from them appearing not to have included the 20% reduction, and further stating that I still also owe a further £1000+ for some retrospective stuff. Included was an intinerary of invoices sent and paid, which is incorrect in that one invoice, the most recent I have never received and others dont tally with dates or amounts I have been invoiced, and a credit note for over £200 as they had made some other errors and miscalculations. Im finding this all absurd and stressful. Its a bill that wont die even though I make payments. I cant believe, well actually I can, the incompetence of the firm. Im mindful to send the a cheque for the £1000 + minus the 20% and tell them to sing for the rest. Ive paid what they have invoiced me for and in accordance to their offer given the mistakes. Can they keep changing the goal posts? Informed advice needed please. Thank you

Hi all, im new to this forum but have come for some advice. basically i have had a letter come through from westminsters solicitors regarding some debt with an orange account. the debt was from an ex of whom i foolishly had a phone contract for in my name and she hasnt paid it for a while now hence the letter. im unsure if any other letters have come or not as she has recently moved out and so could possiby of hid them. the debt is for approx 1700 pound which seems alot anyway this company have sent me a letter head lining "letter before action" "very important do not ignore" in this letter its says " i write to confirm westministers solicitors have been instructed by orange to recover the above debt. we request that you contact us within the next 14 days to confirm that you agree to settle the above debt at the following address: should you fail to make contact within this period our client has instructed us to issue county court proceedings against you to recover this debt. if we issue cc proceedings it could lead to us obtaining a cc judgment against you which will affect you credit rating and could prevent you obtaining any future loans or credit. if after we obtain a county court judgement against you and you continue to refuse to repay the debt it may lead to further court proceedings being issued against you to enforce the judgment which may include the following action . 1) bankrupcy proceedings of debts over 750 2)a charging order placed on your property 3) a warrent of executionfor the seizure of property 4) an attachment of earnings made by the court " my question is what are the chances of it going to court the only part that worries me is the bankrupcy and seizure of property. i understand many companys try scare mongering and word it like this in order to scare people into paying them . what is the likelyhood of this actual happening? i am hoping i can have enough time for a few months to either come to an agreement with the ex to pay me for the debt or have a few months to save and maybe offer them a reduced amount to settle the debt. any help appriciated

I have been selling items on ebay relating to BMW and MINI and recently received no end of papers form Palmer Biggs Legal stating that they demand I sign some forms, send them any items i have relating to BMW and Mini, Agree to pay them £1000 towards legals costs and a share of the profits. Of course I first panicked. I removed any items i had on ebay and sent them some of the items i had. I did not sign the forms. The sent another letter demanding i sign but i did not. I emailed them to say that they are being heavy handed and simply had to ask ebay to remove the items, which they did not. I said that I would pay them £250 and thats it. The sent another letter agreeing to this and that i needed to sign the agreement. Since then I have searched them and have found out abit more. I am reluctant to send them any money at all. Does anyone have any advice.

Hi all , Thanks for taking the time to read this thread for me , this is a rather daunting and irritating subject that is really upsetting my family. I will try my best to explain the current situation and i really hope i can get some advice. My girlfriends grandmother past away this year , around 3 months ago. The solicitors my girlfriends nans used is [name edited], and she gave them power of attorney. Now my girlfriends grandmother wasn't a wealthy lady by any means. She lived within her means and lived off a state pension. How ever she did have a significant amount of savings somewhere in the region of around 13,000 pounds , i don't mind sharing this number with the forum because its important you know. The solicitors in question are delaying everything , the lady dealing with the case is constantly going on about there nothing being any money left after their fee's and the funeral costs. But working out the funeral costs and other things , it doesn't add up all. I was in charge of almost everything when she passed away i saw all her assets and i saw the cost of the funeral , after the funeral costs there would still be 8000 pounds remaining , and she doesn't owe anybody money because ive checked and my motherinlaw would of known as we all saw her on a regular basis. The way the solicitors are treating my family is just disgusting , they know we aren't wealthy either and the money set aside was addressed in her will for her daughter and grandchildren , which would go a long way to improving factors in their lives. We are constantly being kept out of the loop and for every phone call shes making to us shes charging us , but when ever we phone her shes never in the office because she loves to rack up the bill over the phone by calling us. I just this second also found out the solicitor has put a add in the paper stating if anyone new her please come forward. :S Why would they do that? The will is crystal clear anything left in the terms of money and other items goes to the grandchildren and siblings. We are being taken for a ride here , shes been delaying this now for months and months. My girlfriends grandmother had next to nothing theres no way it should take this long. What should we do? Contacting her would be met with snobby sadistic remarks as we have already had. She even accused my motherinlaw of stealing from the insurance pay out. Please help.

First would like to thank all on this forum for the help that they have already given, I have followed some threads and followed the instructions that were posted to get a copy of the cca Now they have sent me the cca that the company holds for me, but it has never been signed by me, So what would be the nexxt steps, I know I would have to write them another letter, pointing out that the cca was not signed. thanks for the help I look forward to your reply

Morning all I am a total newbie so please be gentle, I read some post on here last night and believe you may be able to assist/advise me... I returned from work last night to find I had been posted a letter from BC it reads... date 8 july 2013 our client Lowell financial ltd balance £1224.16 We write with regard to this outstanding debt. Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice. Should proceedings be issued, additional charges will be added to the existing balance as shown below. Outstanding balance to pay now £ 1224.16 Interest £ 0.00 Court Fees £ 65.00 Solicitors Costs £ 80.00 New Balance if proceedings issued £ 1369.16 If you dispute liability for this debt please state reasons in writing and supply us with documents in support of your defence to any claim. Before the account is referred to us to litigate you still have the opportunity to contact Fredrickson International Ltd with your payment proposals. In order to avoid further action you should telephone them immediately on 0845 3136624. This is a serious matter and you may wish to seek independent legal advice. Yours sincerely, Bryan Carter Solicitors LLP. I was shocked and phoned Fredrickson International to ask what it was for and stupidly(I Think) confirmed my address details and mobile number....They then told me it was concerning a bank Loan from Halifax and gave me a date of 20 December 2007( I cannot recollect the details of the loan). I told them this didn't sound right and that before I would accept responsibility for it I wanted to investigate myself. The man I spoke to told me this was fine and he could hold for 5 days while I gather the information. I finally asked if it was right what would repayments be and he told me they would discuss money in/money out and what I could afford. Please help as am trying to get back on track and almost there....a CCJ would ruin things for me and scared of Bailiffs possibility... I cannot afford the payment in full should I.. A) Dispute B) Offer payments (if so how much?) thanks in advance if you take the time to help me out.

Hi all, not been here for ages, had a good success a while back now heres this story - Had CC from marbles, Mrs blew the card and we got into debt (she not here anymore - no not under the patio just not with me) I was paying a small amount to cap quest each month for the last 4 years, then a couple of weeks ago I said [naughty word]s to this, do I really owe them so I cancelled DD. Im better in my head now so I can deal with it. So I have letter on 22/6 from HL solicitors saying I owe 8.5K with an account number but to contact Capquest and I have letter from Cap quest dated 23/6 saying I owe 10.5K with same account number. What do you think I should do?

Hello, i was wondering if anyone out there would please be able to help me. I came into a problem which HSBC a few years ago - went over drawn and they decided to continually hit me with bank charges. It got to the point that they were adding on so many charges i more a less turned my back on the account as i refused to pay them as their greed went OTT. Now i have a £3500 debt sitting on my shoulders, to which £3000 of it is them adding charges and fees. This debt now sits on my credit file as a CCJ. I contacted the courts today to find out more on this debt as i really would like to start looking into getting a mortgage, so this i would like cleared ASAP. They advised the debt is with DG Solicitors, having looked on this forum i can see that they are part of HSBC, so i was wondering how do i go about getting the debt reduced if poss. I have no prior knowledge on how to tackle this kind of stuff so any help would be gratefully received. step by step guide, help to letter templates, general knowledge etc... PLEASE help me clear this greedy debt. All the best and kindest regards Aaron

Have just received the attached letter from Bryan Carter Solicitors. Have been fighting Lowells and a number of other DCA's for years. None have been able to provide a signed CCA despite numerous SAR and CCA requests. Any advice on what I should do (if anything)? Thanks.