Showing results for tags 'chasing'.
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My husband has received a letter from Lowlifes today for an overdraft on an Abbey National account from (if memory serves me correctly) about 10 years ago. It tells us that the account (which was joint with me) was opened in 1998 and I know we didn't have the account when we moved 9 years ago. Hubby is invited to call them to discuss clearing this account (which I thought was very kind of them lol) and that they used his credit file to obtain his address. How should we respond? There is no way on Gods green earth that any movement has occurred on this account within the last 6 years but looking at other posts fear reprisals due to their aggressive tactics!
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To be brief.. Amex passed my debt (£2280) to AIC who harassed me to pay even contacting my elderly parents (not lived there for 20 yrs) and their health is not too good. At the time my world had started to fall apart for various personal reasons. I paid AIC but they kept chasing me and now AMEX have said they will write off some of the debt so it's now abt £800 less than I paid AIC. I've suffered ill health from this. My bank say it was defo paid. Can I get the discount back from AMEX? Please help. .my health really can't take much more of this...
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Sorry to ask a thick question as I am dealing with multiple accounts on multiple threads and my head is spinning a bit. Are mobile phone accounts from years ago (since picked up by Cabot Financial - originally Vodafone) subject to the same rules and regs surrounding SB, CCA etc etc? Thanks. -
Hi I had a bank account with A&L years ago. We started a DMP with Payplan which ends in a month. We were paying Santander the debt through the DMP but then I got a copy of my credit file and the account in question had a status of settled as of March 2010 so I thought they must of written the debt off, so instructed Payplan to stop payments this was in May 2012. A few weeks ago I got a letter demanding money relating to the account from Wescot. I told them my credit file states settled and they went off to investigate. They asked for a copy of the credit report so I gave them that. They have now come back with bank statements showing the account overdrawn with charges. My question do I need to pay Wescot what they are asking for when the account states settled? Are lenders allowed to pass statements to debt collectors?
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Crapital One credit card, last payment made in July 2006, it has been statute barred for just over a year, two letters today from Lowell, one with the Red debt header. This shower have been harassing me for six years, and are now chasing me for a debt that is statute barred, I think I already have a file for this debt somewhere in the archives, will have a look later. What is the most up to date "This debt is statute barred, prove it isn't" letter? Also think it is time I sent a few letters off the the relevant governing body/authority. Trading standards were a complete waste of time and did zilch. -
Hi All, I have a debt which Arrow have purchased and informed me they were using a certain DCS to collect. I have since received further demands from another DCA, despite having no notification that this was being reallocated. Im sure I've seen a letter on here to send when they using multiple agencies for the same debt but I just cant find it. Can any of you fantastic people help please! Thank You
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Hi, this is my situation. My wife received a letter from a DCA called ‘Lowell portfolio I’ claiming that a ‘debt’ from a motor insurance company (Budget) has been 'assigned' to them (Lowell). They state that my wife ‘owes' a sum just under £100.00. The background is that my wife had motor insurance with Budget, but her car was scrapped in Sept 2011. She notified Budget of this by post, and stated that she would maintain the policy up until it’s expiry in March, 2012. (As the fee for cancellation was nearly as much as the remaining balance). However, Budget rolled-over the direct debit, even though they had been explicitly told that she would not be renewing. (They have a habit of doing this, even doing it to my dead father!) She didn’t notice the payment leaving her account until early this year. She cancelled the DD and we wrote to Budget explaining this. We heard no more, until we got this letter from Lowell. My wife sent Lowell an email explaining the circumstances: Regarding your letter dated 10th July, your reference 130779036. There seems to be a misunderstanding on the part of Budget insurance. I have not owned a car for over two years, and my motor insurance policy was allowed to run to its natural term, when it was cancelled. I subsequently discovered that Budget continued to take payments from my bank account without my authority, so I cancelled the direct debit and notified them of this. I owe neither them nor you anything, indeed, they owe me money. I will not tolerate harassment or threats from you in this matter, and will immediately refer such to my solicitor. If I can be of any further assistance, please do not hesitate to contact me. As yet, they have not responded, but the letter from them, threatening to refer the matter to their recoveries business (Tocatto Ltd), has unnerved and upset her. Personally, I am always up for a fight with this type of organisation, but I hate to see my wife distressed. What should I do next? Any advice will be much appreciated. SG -
I split from my husband in 2008 and when he left there was outstanding council tax. I have been fighting this for 3 years now and came home this morning to a letter from the Bailiffs. I rung the Bailiff straight away, who in fairness was very understanding, he told me I need to go back to the local council and discuss it with them further. I got through to the the recovery team and needless to say the man on the end of the phone must have been born without a heart. He kept reiterating to me that is was JOINT AND SEVERAL LIABILITY. To which I told him, I had already paid half of the debt as they had been clawing it from my JSA. I am now on ESA as I have Rheumatoid Arthritis and am unable to work. I have two dependant daughters living with me. All of which I explained to the man at the council. I explained that I had paid over half of the outstanding amount, under duress as they just took it from my benefits. I asked why they would not chase my ex husband, only to be told "well we dont know where he lives so we WILL get our money from you". I told them I knew the town he lives in, gave them his name, D.O.B and confirmed that he has an attachment of earnings with the CSA so surely they could trace him that way. I was told this was regardless and when I said you would be happy to take the tv from my kids etc......I got told anyway they could get their money back they would. I do understand the JOINT AND SEVERAL LIABILITY laws, however, they have done NOTHING to try and find my ex husband, to get to pay the debt. What can I do -
Hi, I am concerned because Global Debt Recovery are sending debt letters to my mother in laws house. I have never lived there (or even stayed there overnight). They have my correct address so I am assuming this is a scare tactic. I am curious to know if they are allowed to do this and if they are allowed to search for my relatives addresses when the debt is nothing to do with them. None of my finances are joint with my wife. Any advice appreciated, thanks. Jackie -
This is quite a long story. Back in July 2003 I was a customer of Woolwich and went in the branch one day. I am disabled with many health problems and at that time was very unwell. I went in to draw some cash and the clerk asked if i would like a Barclaycard. Having lost my business some years before, ill and living on benefitsI immediately said yes. I was given an immediate limit of £3000 which each quarter was increased and after two years it was £7000. As we were on a very low income I used this to help feed my still young family. Need less to say by 2006 I was very much in debt to Barclaycard and had difficulty paying. We came to an arrangement and I began by paying £5 per month. All interest was frozen and was reviewed each year together with help from the CAB to £20 per month. Fast forward to 2011 and I began getting calls from Cabot. Did not even know them. I bascially told them I was disabled and put everything in wrting. I contacted tthe CAB and I told them my agreement was with Barclaycard. The CAB said it was common practice and that if I refused to pay Cabot could take me to court. So I bit the bullet . I had an explanitory letter back in January 2011" Welcome to Cabot" they expalined they had bought the debt and were happy to agree to conitiue the repayment plan I had with Barclaycard with payments of £20 per month, with interest frozen. Fast forward to today and I receive a letter from Cabot asking me to contact them as they are "reviewing" my account. In other words they will want me to pay more. I have just looked at my credit report and Cabot is listed and the account is marked satisfactory and my credit score is fair at 790. However being short of cash as I always am I have never seen my Barclays Credit Agreement or had one from Cabot. We face huge bills increases this year rent is going up £90 per month alone so I cant afford to pay these people any more money each month. How would things stand if I just refused to pay these wretched people??? It seems I will soon loose my mobilty car and was thinknig of applying for a loan to finance a small car.. Would I be delcined ???
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Hi I am being chased for a council tax debt from 2008. I was on jobseekers allowance and living in an unfurnished property rent free, and I have been billed by the council for the years 08/09, I was only living there for 9 months of 2008. Now the debt has been passed to a bailiff, who made numerous threats over the apartment intercom trying to enter the block of apartments. I stood my ground and refused entry to the bailiff. Does the bailiff have the right to enter my apartment once he gains entry to the communal door? What chance do I have of disputing the historic council tax debt with the council? Will the debt be passed back to the council? As I was living in the property rent free and claiming jobseekers allowance, I do not accept I am liable for the full council tax for the 9 months (council has charged me for 2 full years). I am fine with paying back anything I owe in monthly repayment direct to the council. I cannot afford the full amount as I have only just become self-employed and my earnings are barely enough to live on. -
Good Morning. I have received three letters recently from Wescot on behalf of NatWest re my business overdraft. NatWest closed the account September 2011 and also a loan account I had with them. I had written to them explaining that I could no longer make the loan account repayments and supplied them with a list of creditors, expenses etc in support of this. We finally negotiated a final settlement earlier this year and for some reason the other account (overdraft) was never mentioned. I suppose hand on heart I hoped that the damn thing had disappeared in some dusty filing cabinet. Three weeks ago I suddenly receive a letter from Wescot, the one where they say 'we think you might live here but if you dont reply we'll assume that you do'. I have since received a second letter actually stating what they are chasing, and now a third threatening legal action and/or door step collection. I haven't replied to any of them but not sure what the next step is should the summons appear. The original debt was £7300 but now has transformed into £8800 since being in Wescot's grubby hands. I have never received any letter from NatWest advising me that they were instructing Wescot to act. Should I contact original creditor and discuss? Bit concerned as I am a houseowner. Thanks for any advice.
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lowell chasing o2 debt from 2007 please help
dazzaman12 posted a topic in Telecoms - mobile or fixed
hi , 3 weeks ago i received a letter from red and lowell saying i owed them 399.20 from an o2 debt i am alleged to to have had, i told them i knew nothing about this and to provide me with all the relative documentation in regards to this. today i have received a letter from them saying i still owe this money and a computer print out of something i can not make head or tail of ,there is nothing with my bank details on or anything like an agreement just this print out . i have attached it for it to be viewed. thankyou in advance for anyone who can help in regards to this issue
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Hi I have recently received two letters from Lowell chasing a old debts, Neither of them appear on my credit fil I want to get this sorted asap have just managed to get Wesclot of my back regarding a CCJ and am in the mood to fight this lot now. The letters are both their standard we want to help you clear your account and we may send someone round for a cup of tea to collect the money etc. What is my best course of action, Should I cca them or sar I'm pretty sure the debts are SB, but cant be sure. Also around a year ago they sent letters saying I can pay the debts at a reduced rate. Hope someone can advise on this one Thanks L -
Hi I got a car from car giant a few years ago on HP with at the time Bank of Scotland. Black Horse later told over the debt when Bank of Scotland went bust and i end up paying my monthly payments to them. Like a lot of people everything was fine but then i lost my job and i knew i wouldn't be able to make the monthly payments anymore. However i saw on my credit agreement it said as long as i made more then 2/3 of the payment then i could cancel the agreement and give back the car. I called black horse explained what happen they told me they couldn't do anything but reduce my monthly payments, which i then explained what it said on the credit agreement and was advised they would get back to me. Black Horse continue to write to me and tell me i was in arrears and it then went to court and the courts favoured BlackHorse and i had to give the car back which i wanted to do all along so i didn't mind. Black Horse 6 months or so later wrote to me advising that i still owe them money i think it was interest. I called them again and told them that i paid as under the agreement more then 2/3 of the car plus i tried giving the car back to us which you got after it went to court. The advisor told me that it didn't matter i still owned the money and that if i didn't paid which was over £2000 then they would go back to court again. I told him to go to court as i believe that they are treating me unfairly and i did what they said under the agreement but they are not keeping to their side. I never heard for them for a year and half now they sent a letter saying my debt been passed to Lowell Portfolio I Ltd i don't know what i should do can someone help me in regards to where i stand. Thanks
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Hi All, New to the forum and first post! Hope its in the right place Basically took a loan out with Halifax for 10K in 2004. Mis-sold PPI etc and defaulted in 2007 on the loan. Cabit got hold of me in 2009 and said i owed it to them etc and i panicked (because of the ridiculous threats to court etc), arranged a payment plan with them and here we are today. I recently looked into the PPI claim and contacted Halifax but they have no record of me and suggested i stopped paying cabot until they provided evidence that i owed this loan in the first place. I wrote them a letter asking them to provide documentary evidence for this alledged debt to which i am still waiting for. The phone calls continue every hour practically. Have i done the right thing and is their anything else i can do to contest this debt?? I cant find this on my credit file for the last 6 years either. Brgds Mat
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Just revived a letter from HMRC saying I have to pay back £747.99. Last time I claimed tax credits was back in 2005, and have heard nothing since then.they say the debt is " since April 2012" this may be the date I signed on for JSA which I am still on, Help I cant afford this and If they had told me about it back in 2005-6 I would have cleared it but I have heard nothing from them until today.
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I've seen many different threads on the forum regarding old debt, but my case is a little different in that the 'debt' owed was repaid! I received a letter in 2006 from DWP stating I had been overpaid IS in 1996 and was outstanding. This was actually repaid via Family Credit deductions in 97-98. As per other threads, DWP claimed they had sent many previous letters (which I didnt receive) but refused to provide copies or tell me to which addresses they had been sent (the person I spoke to actually said 'tell me where you lived and I'll tell you if thats where we sent them') They also advised that Family Credit records only go back as far as 2003 so they can't comfirm or deny I did repay this They have also acknowledged the fact that they cant pursue this through the courts, although they are still sending threats to this effect. I asked them to look at this again in 2009 as I was getting nowhere - I received their 'decision' this month (2013!!) saying nothing had changed and if I didnt make a payment arrangement within 3 days they would take the money from my wages. No explanation given, despite this being promised in their own guidelines in the very same letter!! I want to make a formal complaint but am not sure whether this could also go to the Ombudsman or elsewhere, as I am absolutely at my wits end with them Any advice as to where to go from here?
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Hi everyone received a letter from Equidebt demanding nearly £1800 for a very old Abbey National debt. To be honest i'm not sure if it's an old overdraft or loan from when i worked for them. It's def SB i left them in 2001 & never heard anymore from them & haven't changed address. Do i just ignore equidebt's letter, or reply with a SB one. Thanks
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hi everyone im lookin for help regarding a credit card i used to have in 2007 ,i got hit with a lot of charges for late payment etc a i was strugglin to find a job . the account got turned over to a debt collection agency and i told them i was in the process of claiming my charges back. they understood the situation and put the account on hold. i put my claim in to barclays and never heard a thing from them or the debt collection agency and because the amount they ssaid i owed was practically charges i assumed they writ the debt off. recently i have had a letter from the debt company asking where i was with the situation as i still owe the £2250 debt and that i need to reply to them within 7 days or they will continue proceedings. im at my wits end ,i dont know what to do as i thought it was all settled . any advice anyone can give me will be much appreciated
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Any help on this matter will be gratefully appreciated. I had a letter from EOS back in Nov 2010 - I sent a CCA to which I never received a reply in the specified amount of time (12 working days). Around Xmas 2010 I then received a statement of account from EOS showing the balance I owe. Again I send them a CCA and I hear absolutely nothing. Then on 2nd March 2013 I receive another letter from EOS stating that I have not replied to their previous correspondence, and how I should contact them immediately etc. So on 5th March 2013 another CCA is sent to them, it is delivered on 6th March 2013 giving a reply date of 21st March 2013 (12 working days). I receive nothing until today (9th April 2013 - which I make 11 working days over the date I expected to receive a reply from them). Anyway, the letter today reads: I am writing in response to your recent request for a copy of your credit agreement. We are unable to provide a signed copy of your agreement so will not be taking legal action to enforce recovery of the outstanding balance. Please find enclosed, however a reconstituted copy of your current credit agreement with our client. This approach is consistent with the requirements of the Consumer Credit Act 1974, as amended. As you will be aware the reconstituted credit agreement as supplied complies with all legal requirements. As such it is our intentions to recommence collections activities on this account. Please be advised that the account has been placed on a 2 week hold to allow you time to receive this information. So what is my next move?
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Hi there i am new here but have a possibly unique situation. i lost my job and fell into arrears with main mortgage and second mortgage. the first mortgage company have been great and most helpful i am back on track with a suspended money order and paying away. The second loan company are horrible and it took some strongly worded letters to stop them phoning me on the hour every hour. they have not chased me for money for about a year?? i have offered them a token payment recently and heard nothing back, i find it strange that a company who threatened to repossess over a year ago have done nothing since. i also have a case with the FCfs for PPI which should also reduce this debt. i am not trying to avoid the debt, but do not want to lose the house. why have they not enforced? it makes me think they do not have a charge on the house any advice appreciated
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Please respond with any advice available, please no judgement. I moved into an new flat (as a tenant) on July 27th, 2011. I immediately called British Gas to put the bill in my name, however British Gas told me that the previous tenants had decided to switch to a different electricity company. I asked whether i could stay with them, however British Gas said that it was too late to stop the switch. I then asked them, whether or not they knew which electricity will now be supplying us, and they stated it would be N Power. So starting from the 8th of August 2011 I would be supplied by N Power. I tried to call them several times in the following couple of days, but i never got a response back. I then contacted British Gas to switch back to them, but they said i had to wait a month before i could do so. So I was only able to switch back to British Gas on September 8th 2011. British Gas took care of all the details, and had no problems. However, I never ended up having a bill for the electricity used during the period starting the August 8th 2011 and ending september 8th 2011, as N Power never contacted me back, and after a while i gave up. Now FAST FORWARD to February 23rd 2013, and Sparks energy sends me a bill claiming that i owe THEM £255 + interest for not having paid sooner!! I searched online for any help, and sent them a letter stating that due the Code of Practice for Accurate Back Billing, since they are at fault for not billing me sooner, and that the bill is not applicable because the energy supplied was consumed more than 1 year previous to the bill being issued. Sparks energy then responded stating, that they had received my letter, and that they have looked over the account and they can advise the final bill was sent out on 20th of March 2012. (However, I never received it, as I suppose it was put in the name of the previous tenant.) They finished by saying "unfortunately Sparks Energy are not part of the back billing code so the bill does stand, I do apologise that there has been a delay in the final bill issued out due to this my manage has offered a 10% discount of the balance on the bill. I have yet to respond back. Please let me know if there is any other way i can fight this bill, I just don't have that sort money laying around. Thanks for the help!! -
Hello! This is my story with H Samuel for almost 3 months. Having bought our marriage rings from H Samuel a few years ago and all was perfect, my husband bought me an anniversary ring in September 12; a half a carat eternity ring. Ordered in store and collected it a few weeks later from a different one, the size was small and went back to get it changed. When we first bought the "small" ring it was on full price, then when we went back to replace it the ring was on special offer. At this time in store I was told that they will put a new order through at the discounted price and refund the balance.. ..i also sent my marriage ring to be resized which costs me £89 and therefore they have refunded the balance on the card paid with for the ring. Got the ring a few days later, the round metal wasn't polished, it was bent a bit and the diamonds hardly sparkle. I didn't wear it and sent it back to their warehouse within my 30 days guarantee . H Samuel confirmed they got the ring and that a refund was made on 17/11. In December I checked the bank statement and no refund. I've been calling H Samuel every week since December. They said the refund was made to a card ending 0000 (non existent) , my card ends with different numbers. I told them that I never got the refund while they keep insisting it was refunded in the store (never went back to the store for a refund) , then on my card, then again in the store.. .the story changes everytime I speak to a customer service' staff member. The banking department was supposed to look into this and let me know where did the refund go but nobody got back to me for weeks. It's frustrating that they cannot chase where the payment went ..why does it take the so long? I really want to take this further as H Samuel complaints dpt are useless..there is noone to talk to that can actually do something. Need to checl the costs incurred just on the telephone costs as their tel number is expensive... Can anyone help? -
Hi. Awhile ago thanks to the help I got here I was informed that my Yes Car Credit Agreement was Unenforceable due to missold PPI Insurance, I informed the then DCA involved Hillesden Security in which they replied in agreement saying they won't enforce the debt, but the debt is still owed etc etc etc. Anyway that's been going well for a good few years now, however This Month Ruthbridge has contacted me and unlike previous attempts from other DCA's ( Direct Auto Finance ) instead of the usual "Would you like to pay something?", They have demanded I pay, Threatened me with Bailiffs and also filling for Bankruptcy against me resulting in something called the Official Recivers Office to gain possession and control over goods or property. Is there a template letter I can send them? Informing them of their serious breach and to get them to stop any action like this? Thank you.
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