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Found 6 results

  1. hi guys - please help with this one... I am based in Scotland... I had a credit card, 2 actually, with MBNA. Stopped paying them, and others, about 4 years ago - as I'd got involved with a company called Credit Issues, who deemed that all of my credit cards were unenforceable, and I didn't need to pay them. I knew it was going to screw up my credit rating, but wasn't too bothered about that - to be safe, I'd say Jan 2016 will actually see everything totally statute barred, so this gives you some idea of timescale, but I've not paid anything, nor had any contact
  2. Received a letter on Saturday from the above people on behalf of Lowell. In 2009 i asked all creditors for a signed copy of cca and none were able to supply me with it so accounts were put into dispute. Never heard much more and they all seem to sell the debt onto different companies until Saturday. Letter reads... we have today served you a summons upon you by recorded delivery post. Should you not dispute the debt then you are now liable to pay sum shown below which includes judicial Expenses and interest. To avoid decree passing against you please return slip below with your remittanc
  3. Hi i wondered if anyone can provide any advice on how to proceed. My husband received a letter from Yuill and Kyle in january regarding a debt with lowell portfolio after reading advice on here i sent off a CCA request on 3rd of february by recorded delivery and enclosed a postal order for the required fee. I also sent a letter to yuill and kyle telling them we had requested this information from lowell. These were signed for and we have heard nothing since. Yesterday a letter arrived from Yuill and Kyle stating the following: Dear
  4. Hi, Ive been paying a debt of £3320 to 1st Credit through Yuill & Kyle at £50 per month, ive never been late never missed a payment, I got a letter from 1st Credit giving me an anual statement, it says i only owe £320, I rang Yuill & Kyle to confirm the total final amount, they said £1320. Ive asked them to send me a full break down of the remaining amount and why such a differance. It seems in short ive been charged over £1000 in interest. This Debt originally went to court and the court awarded them 8% but no matter how hard I try I cannot calculate
  5. had sheriff officers at the door this morning serving me with a form 5 notice, not really sure what to do with it. problem is, the account it is regarding is an rbs account that according to them i opened and took either an overdraft or credit card out when i was 13! the entry on my credit files has been disputed to rbs and subsequently removed from my credit reports. id been in touch with yuill&kyle when i received a letter from them last wednesday stating that i had been served with a form 5, when in fact i hadn't at that point. surely they can't issue th
  6. Hi, Need some advice.... I received a letter this morning with a summons which states on it below: "On or around 4th August 2007, Phoenix Recoveries (UK) supplied mail order goods to the defender in terms of an agreement regulated under the consumer credit act 1974." I have not received any mail order goods or entered in to any consumer credit agreement with Phoenix Recoveries (UK). I have received mail order goods from another company who I think are now pursing me (cannot be sure as the summons/letter gives no indication) Where do I stand with regards to challenging th
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