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  1. To cut a very long story short I have an alleged outstanding personal loan from LloydsTSB. Was passed to Moorcroft Aug 2010. CCA request sent, they couldn't get one so default of CCA sent Sept 2010. Oct 2010 recieved notice from Moorcroft CCA unavailable. Dec 2010 contacted by Apex, sent account in dispute letter. Jan 2011 Apex accepted account was in dispute and went away. Now just a few days ago (May 2011) I get a letter from Robinson Day Ltd requesting full payment. Should I send account in dispute letter again? Many thanks in advance, T
  2. Hi Forum, I have an unusual and complicated situation that I would greatly appreciate some helpful advice on. On 31st March 2008 I entered into a HP agreement with BH, total price £11,179.83 and paid a deposit of £500. The total credit charge was £2,858.65 and agreed to be repaid by 48 instalments of £282.26 I was able to meet the payments up until and including November 2009, but after this date I was unable to due to my company going into liquidation. I held onto the car without making any payments until October 2010 in the hope things would improve and I could get back on my
  3. Hello! Last summer I paid off the final amount on a Barclays Partner Finance agreement, for a camera I bought about 10 years ago from Jacobs (I was paying off a small amount a month after an initial large payment and closed the account by paying the last £90), I just called up Barclays and the lady was really nice and I paid off the account then got a letter stating the account was closed and had a balance of zero - phew! A month or less later I started getting letters addressed to me at my parents house in Northern Ireland (I used it often as I was in a different rental house very year in
  4. Who are Aprex Credit Management, a week ago we started getting phone calls 3 or 4 times a day, asking to speak with my husband, who is away working, when he phoned them they wanted personal information off him, which he wasnt willing to divulge as he doesnt know who these people are, they called again today in a rather stroppy manner saying we are ignoring letters they have sent, we havent received any letters off them, as far as were aware we dont owe anyone anything, we have asked them to put it in writing but nothing ever arrives, they did give us our address so they have that correct an
  5. Hi all, Hoping for some guidence over the next few months if possible... A quick history... 4 years ago suckered into paying Total Refund £390 to assess 2 loan agreements (Egg and Barclays), letter recevied couple months ago to say TF gone into administration and I had lost money...no surprise there. Also recevied cheque from Barclays in settlement of PPI claim which I didnt even know was going on (only good thing to come out of my stupidity of pay TF). Now I have Credit Clear Services asking me for £149 to progess my Egg claim to the next stage of 'Defended Action' - I think t
  6. Hi, We have a bit of unusual situation here and dont know how to deal with it properly and will appreciate your expert opinions and comments in this regard. My girlfriend and i moved to an Asian country almost two years ago for work. We were going through some financial hardships in UK and my girlfriend sought advice from "clear you debt" [problem] company who has run away with over 4000GBP since without solving the matter. Anyway, since we have ben overseas we have successfully negotiated full and final settlement with MBNA (RMA) and Egg (ARC Europe Ltd). We have one more credit card d
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