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  1. hi all i have received a hand delivered letter today from resolvecall asking that i ring them is there a letter i can send to them so they wont do dooorstep vists again thankyou
  2. please can someone help me i have read on here something about credit card agreements taken out before 2007 do you need to have a copy of you agreement i dont or can you ask the card company to send you one also how do you know if the agreement is enforcable i am really sorry if this as been asked and answered before but any replies would be very welcome thankyou
  3. I was in tesco and was caught shoplifting. I took a pen worth £5 which I put in my pocket. I needed to write something but was talking to my wife and put it in my pocket without realising. After we did our shopping the alarm went off and the security guards pulled us to the side. I emptied my pockets and they saw the pen. They asked for photo Id but I didn't have any. Only thing I had was bank cards. They said if I didn't produce photo I'd they would call the police. I didn't have anything but they saw my tesco clubcard and took it away. Then they
  4. A few weeks ago a bloke knocked holy hell out of my front door. Wondering what the matter was I went and answered. He started ranting on about something, I only caught part of it. Then I saw his jacket, the word Scotcall caught my eye and I saw red. I told him to go away and shut the door. I am registered disabled with COPD, a condition made worse when exposed to cold air, so there was no way I was going to stand at the door arguing the toss with him. It was a very cold day. I have clear 'no cold caller' signs on the door, including one issued by the Police
  5. Hi All, I've been paying Arden Credit Management for a few months now (after Moorcroft passed the debt on to them). This was in relation to a Lombard Direct loan. I've not been missing payments, but I get a letter every month, stating: "We wrote to you recently to advise that payments are not being received in line with our request for you to commence repayment of the remaining balance. We now require payment from you." I've paid by the due date and every time, I've requested the authorisation number for the payment. I've seen in another thread that Lombard have c
  6. Hi I managed to get my hands on a small lump sum (315.00). I have a debt that scotcall are 'managing' for my old friends at Lowell. The debt stands at around £945.00. I've had a CCA and they have provided the paperwork so it is fairly clear the debt is enforceable so I thought I'd use the cash to make a full and final offer. I wrote to them offering the £315 as full and final with the debt marked as satisfied. The reply I got is as follows:
  7. Hi all I have recently had the delightful Scotcall get in touch with me about a former MBNA debt of 5K+ Some time ago I got a letter from MBNA stating they could not locate a credit agreement so would not be pursuing the debt. It was then sold to Aegis who backed off and now some years later Scotcall. After requesting a credit agreement they have sent a photocopy of an agreement signed in a supermarket- not an agreement as I would define one. Any ideas on where I should go with this??
  8. Hi Everyone Hopefully someone can help with this. Last week I had a card pushed through the letter box from Scotcall saying it was a first visit and that I had to call a number etc. No more info on the card stating what it was about. I called the number to find out what it was about and was asked a heap of personal/security questions. The call went round in circles as I would not confirm my details so they could not tell me anything. I told them to put the matter in a letter so I could consider it. I heard nothing via letter. Anyway since then Mr Scotcall has visited my house no less
  9. Morning, I recently sent Fredrickson International a CCA request for a Capital One account. I've received a letter today advising they do not accept that they are the creditor but are willing to assist in obtaining the request and will be contacting the creditor to obtain it and will revert back to me. They have suspended all further action for the time being and have returned my £1 postal order. Should I sit back and wait for their reply or is there anything or any response I should send to them. Thanks
  10. Hi, At a previous address I lived at, the tenant received a letter from Vodafone on 11 Aug stating an outstanding balance of £652.03 had been transferred to Lowell Portfolio l Ltd. Outstanding call charges/line rental of £199.48 Early termination Fee: £452.55 They received a letter from Lowells the same day, nd there had been nothing from Vodafone prior to this at that address. I have been overseas for 3 years now. Before leaving the UK for Greece I spoke to Vodafone and requested that I transfer my contract to Vodafone Greece. They said it wasn't possib
  11. Hi all, I'm looking for some advice in regard to a very old Barclaycard account which my husband is being chased for. We sent a "prove it" letter to Bryan Carter solicitors, and have now received a letter from Fredrickson stating that if full payment is not received within 48hrs, Fredrickson will recommend that Lowell commence legal proceedings. Am I right in thinking we should now sent a CCA request to Lowell?
  12. Hey Everyone,let me take you back to October 2013 when all this began. First off I'd had been with T mobile for many years but I was looking to cancel my contract with them to change over to o2,my contract with T-Mobile at the time was a two year (iPhone) contract,which was coming to an end either September 2013 or the start of October 2013. I decided to ring them up and explain the situation,that I was moving and there was no chance of me staying as one of my friends was getting me a great deal on an o2 contract,from what I remember from the phone conversation all I had to pay was th
  13. A friend whom used to live at my address recently had a letter in post from Scotcall, but was sent to my address as was last known here. It was regarding an alleged specified amount owed to a mobile phone company about 3 years ago. I guess my friend should send the 'prove it' letter, but do you think my friend should include their new address on the letter? Probably a stupid question! Also I presume this will not affect my credit record?
  14. Hi Guys Any advice / help would be very much appreciated. A few weeks ago i returned home to find a hand posted brown envelope from a field representative from Scotcall asking me to phone him urgently on a mobile number. I have also had numerous phonecalls from Scotcall to my work mobile number which are becoming more frequent. As i didn't know what the debt was for or who for i ignored them. Tonight i was at work but my wife returned home from the weekly shop to be approached by a man from Scotcall asking for me, she explained that i wasn't in and didn't know wh
  15. Hi all. Ive suddenly had calls from Scottcall,about 1 a day for a debt with hSBC form 2006. £462.00 This debt has never appeared on my credit file and last payments were made in the end of 2006. I guess they are trying there luck as i imagine they have recently brought the debt. Can anyone tell me the procedure to go through to tell them toprove or stop calling? Kind regards Chris
  16. I'm aware there are tons of topics relating to this company, but I'm just after some advice regarding them. I received a phone call off these guys today, regarding a 'personal matter', and they asked me to confirm my address. I asked them to confirm it, and I'd tell them if they were right. The man on the phone said, "Look, if you don't want to confirm it, just say and we can end the call here." So as I said I wasn't going to confirm anything, he put the phone down. Now, the thing is, it hasn't actually been said why they're calling. I've Google'd the co
  17. Hi just wondering if I can get a bit of advice as I've no idea where to start. I stupidly took out several loans with lending stream to which I've buried my head in the sand and ignored paying for about 12 months, theses have been handed over to CRS. CRS have sent several txt messages yesterday saying they will be sending their 'field agents' Scotcall out in the next 5 days, what's the likely hood of them actually turning up? I want to get this sorted and offer a monthly repayment, whats the best way of dealing with this? Email? letter? and do I speak to Lending Stream
  18. I received a phishing letter from Scotcall addressed to my address but in my previous married name. I ignored it. I have been remarried and therefore had a different name for 12 years now. I am only 4 months away from being Statute Barred and my credit files are completely clear. Now Scotcall have started calling at least twice a day. I have put the numbers on choose to refuse so blocked calls from those numbers. They are still phishing, but I know it is just a matter of time that if they don't get any response then there will be a doorstep call. They do not kn
  19. Hi All Been on these forums for years, now need advice please. I had a halifax credit card I defaulted on in Sept 2005 for £3500 (although I as far as I can remember I never saw a default notice issued), this was handed over to BOS, with whom I agreed tp pay £10 a month. I kept this up right up to Dec 2012. I missed a few payments and called up BOS, who said they would need to review the case and would get back to me. Around sept I started getting calls/txts from Capquest which I never picked up or responded. They had sent letters to an old address from which I had mo
  20. Received an email from Scotcall threatening doorstep collector as according to their client I had made no attempt to settle blah blah blah. They say I owe an amount to Hutchinson 3G which I'm disputing as I cancelled the contract giving 30 days notice at the end of my 2 year contract. I have a default listed on my file and plan to challenge as I believe it's unfair and incorrect. I responded to Scotcall with the harassment letter and doorstep visit letter and began putting together details of why I dispute this debt. Scotcall responded within half an hour with the follo
  21. Lost my job for health reasons, Nothing life threatening but would make working a set routine impossible. I had major debts on credit cards which i didnt really think about as i could easily make the minimum payment plus extra. What i did not know or think about was the fact it would take manymany years to pay them off at that rate. I only found that out after reading posts on the internet. The credit card companies were a right pain in the backside to try and arrange payment plans. Insisiting i paid them a figure i just did not have to give them. I snapped on the phone and told t
  22. hi all Just a bit of advice please Out of the blue I have had a visit from Scotcall in relation to Nationwide for £359.84 I wasnt in when they called but they have left a postcard for me to call them I used to be with Nationwide a long time ago, having a current account with them I had no credit cards/loans or even an overdraft on this account so Im aonly assuming these are bank charges So how do I play this ? Its not on my credit record, well not as far as I can see. But obviously they are braying on my door for the money What the next step for me pleas
  23. Firstly I would like to thank the community of CAG as it has got us out of a mess a few times. Currently; we are dealing (or in our case - not co-operating) with Scotcall. On all their letters they put only a 0844 number, their non-0844 number is: 0141 248 7400. It won't let you do 141 in front but I called and made sure that I said I didn't want correspondence from them except in writing. I did of course deny any knowledge of the debt and demanded a copy of the original CCA (which I doubt that they have. Wescott (The original DCA offered a 50% discount on the debt on
  24. Any advice here would be much appreciated... Long story short I have received a letter today from Scotcall stating that the client has requested that they stop taking payment from me and that the client will be in touch to make further arrangements. Has anyone else had this? Why would the client request Scotcall stop taking payment? Thanks in advance
  25. Lowell have 2 or 3 different debts for me, one that was originally an argos store card, I ordered something online and had the opportunity to apply for the store card/credit, which I did. Am assuming at some point argos sold the debt to Lowell and they are showing on noddle as the amount being owed to them. So far I have not replied to Lowell about this ex argos debt, and today I got a letter from Lowell telling me that as I have failed to pay my account it will be sent to scotcall who are one of their approved debt collection agencies, and they will be instructed
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