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About Me


Found 12 results

  1. bobsp

    Cahoot CCA

    Hi all, SAR sent 14/12/06 Recieved statements 11/01/07 Request for payment £591,15 11/01/07 Nothing recieved so sent LBA 05/02/07. thing is I forgot to put in it another copy of the charges I am claiming (spreadsheet) does it matter, should I resend a LBA enclosing the spreadsheet, they got one sent with the request for payment sent 11/01/07.
  2. ’ll try and keep this as brief as possible but I’ll need to explain a bit of background. When I was in university I rented a room in a house with three other students that I didn’t know between July 2012 to June 2013. Npower supplied the electricity and gas. I gave the first meter reading in July and the first bill came in October and we each paid a fourth to the landlord and I thought this arrangement would continue. However, towards June 2013 I contacted the landlord as we hadn’t got any more bills and queried what was going on he said he’d put the bills solely in my name. I was
  3. Hi everyone, I'm a newbie on here (2nd post) and think I just made my first school boy error - spent hours (literally) tying up my obviously massive story, then go to post - and I'm timed out. Lesson learnt. So I'll attempt to be as succinct as possible this time but it's nott an easy story to tell, so bear with me pls! I initially incurred debt with RBS in 2002 after losing my Father. Things are a bit foggy about that year or two in my life but I accept I incurred a debt of around £3,000. After a few negotiations as I remember, the debt was passed to a collections
  4. Hi Guys, my little sister needs some help and asked her big brother to help out knowing the numerous successes I have acheived with CAG and its helpers. My sister is a lowly paid RN Nurse and has run up a debt with Lloyds for approx 5k, she has been paying Westcott a monthly sum and her credit file is showing a default. My sister has said 98% of the debt is made up of charges what can we do?
  5. I received a letter from Wescot today titled - ''Notice of debt collection''. We have been instructed by our client(Barclaycard commercial) to collect the outstanding balance on their behalf. The amount outstanding is £1174.95 which (judging by my statement) is comprised of £778.95 on purchases and £396 default fees. I started a little business(sole trader) 3 years ago that went absolutely nowhere and this is where this debt is derived from. Now...I had been making payments on this account but for a good 6 months I have not been in a position to keep up, and therefore I
  6. Hello can anyone advise me? In desperation I took out a £300 provident loan a tChristmas, I have been paying it off every week missing just 2 payments when the agent did n't call. I had a marketing call from Provident today saying that as I was such a good payer that they would offer me a £900 loan - I'm not that silly, I know the scary interest rates, I told them so and said I would n't rule out a small loan in the future ( I can't get an overdraft so sometimes its a case of having to go to provident). I have just had a rather rude text from my agent saying that
  7. Dear all, I have just recieved a claim from Northampton County Court from Bryan Carter solicitors. The claimant is Pheonix Recoveries. It is relating to a £9k loan which I took out from Lloyds TSB. I had an arrangement to pay Bryan Carter 100 pounds per month but due to financial issues I couldnt keep up with the payments. 1 Day after recieving the claim form I recieved a letter from Bryan Carter saying that they have now issued litigation proceedings. I havent contacted Bryan Carter yet or filled anything in on the claim form. I am just looking for some advice
  8. Afternoon chaps. The story goes a little like this. Back in 2004 I was a wreckless youth with no regard for money or its true value. I got a loan out with A&L at the time, whom are now Santander. Due to my lack of responsibility I defaulted on the debt in 2005. Shortly after this default my account was passed onto Capquest. Whom at the time setup an arrangement to pay £20 a month which I have been doing so via standing order until last week. Now firstly I know I should have kept an eye on this debt and its remaining balance but until now the £20 a month silenced
  9. Hi I wonder if anyone can help with this please. I received a defense pack from Northampton courts today issued by Westcott SPV LTD concerning a Little-woods account which is approximately 10 to 12 years old. At the time I had an accident in work and was told the insurance on the account would cover the outstanding balance. At various times over the years different companies have tried to collect but when I ask them for the relevant paper work they pass it on to someone else, my problem at the moment is what to do with the defense pack as I need time to SAR/CCA W
  10. I'll start from the beginning. I am an engineer and made decent money when i was in the job i had from leaving school at 17, im now 33. Back in 2006 i had debts close to 40k, which i was paying all ok, as listed below: Barclays loan - 19k Barclaycard - 8.5k Halifax CC - 8k MBNA CC - 8k A sudden, unwanted change of job meant i couldnt afford the repayments on above debts. I contacted all the above and after defaulting on payments (adding charges for late payment etc) etc and sending SoA's they all eventually agreed to freeze interest and enter repayment plans (Barclays we
  11. Hi all, Im new here an just wanted to explain my situation and get some advice. I got a letter from Wescot a week ago saying I owe around £1000 ( i think its from Lloyds TSB) I barely had time to read the letter and am now getting daily telephone calls from them. When i answer it is one of those (very annoying) pre recorded messages asking me to call them, quoting refernce blah blah blah. I emailed them on Friday morning explaining that I am unemployed and am currently seeking financial help by way of benefits - anyone who is on benefits will know that this takes
  12. hi all have received letter from wescott threatening ccj proceedings for over a £1K. on the 5th october have checked cra file and this amount not on but i have 1 debt dropping of 2nd october for a lesser amount . i am assuming it must be this. what would be best way forward? also had letter from drysdenfairfax solicitors asking for urgent contact, again i can only assume for sb debts thanks in advance
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