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Found 22 results

  1. Hello everybody, I am acting for my partner who had PPI added to his Capital One credit card account one month after he took on the credit card. He did not sign or tick a box to accept PPI. He was quite clear to Capital One during the application process - he didn't want PPI. One month after he signed the agreement, Capital One telephoned him and asked him to have a direct debit. He said yes to the direct debit. He always worked very long hours so did not notice until last year that Capital One had added PPI to his account the same day as that phone call. As soon as he not
  2. Hi guys, new here and after some advice on a rather messy situation if possible..... Around 2011/2012, i was discharged from an IVA id been paying into as i lost my job at the time, was out of work for a lengthy period, and had no way of covering the amounts set. The IVA company handling my account told me the creditors would "probably" start contacting me again in pursuit of the monies outstanding. Some did, some didn't. After a period of around 6 months, i was offered settlement on a couple of these, which I accepted. As i wasn't being pursued by the other
  3. Hi, Can someone help pls, i just received a court claim for a money i owed on credit card about £1k with Xcredit card company since 2010 which was passed to capquest then to drysden fairfax solicitor, what do i do pls the court letter was issed on 14th Oct 16, i check my credit report from experian and it does not show the credit drysden are requesting for, it only show two other credit i owed only, i have called experian again to recheck my file but they are having problem with their server now, will do that tomorrow, can i go get a no-win-mo-fee to help me out pls,
  4. Hi First post here. I have an old debt with Egg from around 2000 for roughly £2900. I was on a CAB plan paying £1 token payment for a while at the time but stopped paying , I never heard anything for years and now Capquest own the debt . I think I might remember paying them £10 a month 3-4 years ago for a while but due to financial hardship stopped paying. Though I cant be certain on this as I cant seem to find any details at the moment. They have recently sent me letters again and have refered it to Drydens Fairfax who have given me to the 30th Nov to offer a pa
  5. Hi all Been very quiet on here for quite a while, due to no DCA's trying to contact me about the usual. Today however, I have received a letter from a company called Drydens Fairfax. There is perhaps one debt I have that COULD still be enforceable - mortgage shortfall, sadly! All the others to the best of my knowledge, Statute barred. Any idea who the clients of this outfit could be?? The letter is the DCA's usual, "Are you XXX? Do you know where XXX is?? If you are not XXX, please accept our apologies........." and so on and so forth. Obviousl
  6. Hi, Thought it may be useful to compile a list of known phone numbers used by the above companies, for use in call blockers. These are the numbers I can find - does anyone have any more to share? Drydens Fairfax 08433770317 01138233387 01138233481 01274378884 01274378000 Lowell Portfolio 01133086000 01133086147 07814050967 08448150652 07837638835 01133086999 01133086104 08442843421 01133086108 01133086003 01132856550 07891672094 01133086119 08450260093 08448444716 07900742233 07900742242 01153 308600 08
  7. Afternoon All, I owe around £1k to HMRC I have written to them to explain that I am only earning a very small amount of money and in receipt of tax credits. At the moment my outgoings are higher than my income by quite some margin. I've paid a small amount towards the debt directly to HMRC (£25) on their website and offered to pay a regularly monthly amount in my letter directly to them, no response. I sent my letter by recorded delivery, so I know it was received but nothing back. Now I'm getting letters from their debt collecting solicitors Drysden Fairfax.
  8. Hi, A bit of background history. I took out a Vanquis card about 4 years ago, 2 years ago I got into financial trouble and couldn't afford to repay all my debts, everybody except Vanquis agreed to let me pay a reduced sum for a few months to get back on track which I have done. However, while trying to repay everything Vanquis were getting a payment each month but not always the minimum payment and as a result the debt on the card spiralled with missed payment charges, then over limit charges and any other charge they decided to add. I will be honest and sa
  9. Hi All I had a credit card with MBNA which I defaulted on, as I couldn't afford the payments on it. I sent a CCA request many moons ago (Feb 2009 to be precise) and all I received back was a template CCA with no signature. I have now received a letter from Drydens Fairfax stating that I must pay the outstanding amount (£10K). It also states if I do not respond by 9th May 2014 then they may commence legal action. I have not paid any money since I sent my original CCA request back in Feb 09. I am also aware that in Feb 2015 this would be Statute Barred ? I
  10. Today I received the attached letter from Arrow regarding a debt they purchased original date of account 2007? and have now reassigned it to Drydan Fairfax. I have never had any dealings with Arrow and I cannot recall any debt to them. It mentions that the original account was for Orange. I have had an Orange phone in the past but that was in the mid 2000's. Can you advise me how to deal with it please as I am at a total blank with this.
  11. As some of you may know, I've had a lot of problems with Drydens (which show no signs of going away any time soon). It seems that Drydens really don't like to be asked to provide copies of advocate's reports or explain why they lied in paperwork intended for court - especially if you keep asking by email. So much so that I seem to be blocked from sending any more. Many of their email addresses can be found in the public domain anyway, and can be found on a simple google search. So, if you've been wronged by this company - and chances are that you have if you've been unfort
  12. Hi hoping someone can have a look at these letters for me , i am posting these for my brother, he received some very nice letters from a place called drysden fairfax claiming to act on behalf of arrow global. these very nice people are demanding £1300 two days before christmas or they are threatening court, bailiffs etc. As soon as he received the first letter i advised him to send a CCA to this arrow global to see what this debt is and who they bought it from as he doesnt know what it is. I confirmed that Global received it the same day that Drysden sent their secon
  13. Hi, I am wondering if anyone can advise. After months of harassment I agreed payments on a £6k debt of £50/month with these people. I sent the first payment by Postal Order and a letter requesting a form to set the standing order up. No response. Month two I did the same but stated I could not afford to continue to pay the £50 plus the cost of the PO plus the cost of the recorded delivery and asked for a SO form or I would only be able to pay the PO for the amount minus the cost of buying it and the postage, no response. Month 3 I sent the PO less the amount for re
  14. I am about to go to court with drydens over an old vanquis card. I am just wondering if anyone else can post up ; 1. have drydens taken them to court and if so how did they get on? 2. did drydens start bthe action with no CCA agreement? 3.how near to statute barred was your account? 4. did they send you a real CCA or a 'true copy' or a dodgey internet one? I want to see if this is a policy with them and if they are bringing frivilous actions in the hope of scareing people into settling. If there is a pattern I make make a complaint to the SRA and the OFT
  15. Hey everyone, I am new to the forums and although I had joined a few weeks ago I haven't been able to come online to air my problem(s). I will cut to the chase and give only the details rather than a fluffy story so here goes. I have in the past received letters from the Halifax but after becoming almost homeless I ended up in emergency accommodation for the university I attended. For a short time I dropped off the radar and didn't hear anything (nor did I think anything of them...out of sight out of mind etc.) Since then I have moved a few times and after a fall out with my p
  16. Hello, I wonder if you can help me, my husband has received a letter from these people for a debt just over £6K it says the client is "Hoist Portfolio Holding 2 LTD" He has absolutley no idea who Hoist is, but from the amount he thinks its from an Abbey National Loan from about 2001/2002 and he hasnt had any contact for over 6 years. He also received a phone call from Drysden today, I actually answered his phone as I thought it was one of our business contacts, it was a blocked number. I told them he wasnt here and asked for a number to call them back on. The letter is just a bog sta
  17. the above defaulted account was sold onto Lowell a few years ago. At that point I served them with a CCA for which they could only provide a "made up" application I wrote pointing out they were in default of the CCA and that as they failed to provide an original application I could only conclude they didn't hold one I therefore considered the account to be in permanent dispute (all this done with the brilliant info on this site). All went quiet with them and alonside other accounts in default of CCA requests I was waiting for the 6 years to pass. The other old acco
  18. I had an MBNA debt which has been passed on to Arrow Global / Drydens Fairfax & have been making regular payments since June last year. Drydens have been a nightmare to deal with, they are abusive & incompetent to put it mildly. I have now received yet another threatogram, this time they have enclosed an income & expenditure form to fill in. They want proof of income, bank statements & any proof of benefits, and if I do not return it within 2 weeks, they will consider further action to recover the debt, possibly court action. Has anyone
  19. Hi i received court papers recently for a debt of over 4 years ago. (Quick history, was made redundant from a £31k a year job in mortgage co, couldn't find equivalent salary locally, voluntarily surrendered house, have debts totalling over £214,000!, already had 2 children back then, then found out was pregnant, made redundant in 2011 again, now have 1 year old twins, 8 and 11 year old boys, manage to survive on housing benefit, hubbys wage, and selling my belongings on ebay!) the solicitor Drysden Fairfax pestered me once I'd spoken to them via the phone and I filled in the court
  20. I do not have debt problems, and actually have no debt. I have spent much of my adult life working abroad so depending on the country I am in I have different levels of credit. In the UK I do not have great credit as have never had a UK credit card and do no want or need one. Yesterday I received two letters. The first I opened was from Farifax Solicitors. It was laser printed, and not on letter headed paper. It was not signed by a solicitor, or even a legal assistant on behalf of a solicitor. The signature was an electronic signature saying Fairfax Solicitors. The letter stated I owed £5
  21. Hi, I have a default from Lloyds TSB for a Master Card, the date of the agreement is early 2003, the date of the default is Nov 2006. The debt was sold to Arrow Global in Sept 2009, they now have the default on my credit file, this has been causing no end of problems as I am a director of a company and any credit or contracts that the company apply for it brings up my default and the application fails. I have disputed the debt since May 2006, I sent all the standard letters off here (could'nt remember my old account details to log in) back in May, June July 2006, Got all the way up to sen
  22. Hi, I have a default from Lloyds TSB for a Master Card, the date of the agreement is early 2003, the date of the default is Nov 2006. The debt was sold to Arrow Global in Sept 2009, they now have the default on my Credit File, this has been causing no end of problems as I am a director of a company and any credit or contracts that the company apply for it brings up my default and the application fails. I have disputed the debt since May 2006, I sent all the standard letters off here (could'nt remember my old account details to log in) back in May, June July 2006, Got all the way u
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