creditcard debts and intrest

[rory32]

Hi Pink and welcome to CAG. Have a look here for misseling of PPI and how to cancel and reclaim it http://www.consumeractiongroup.co.uk/forum/ppi/61081-ppi-some-notes-claimants.html

[rory32]

If you click on the link in my signature "Creditors and DCA Template Letters" the CCA request is template N. This asks for a copy of your credit agreement under the Consumer Credit Act. Send the letter recorded with a £1 postal order and bon't sign the letter. They have 12 working days to provide a copy of the agreement. If they don't after this period of time they are in default and can not enforce the agreement until they produce a copy of the agreement (this means you can lawfully withhold payment).

[rory32]

Are any of the accounts with debt collection agencies yet? You may wish to take some time to read through some threads on the Debt Collection and General Debt forums.

[rory32]

Regarding DMP I wouldn't rush into one. There are organisations who will set one up for you for free if required (it sounds as if you've got in touch with one that charges). I know you have a lot of information to take in at the moment but you may wish to get in touch NationalDebtline for one of their information packs on debt and DMP's. They area charity who have a very good reputation on this site. Their telephone number is FREEPHONE: 0808 808 4000

Monday to Friday 9am to 9pm

Saturday 9.30am to 1pm

24-hour voicemail.

[rory32]

Regarding DCA's threatening to pop round to your Mum's there is a letter you can send to revoke their license to do this (they do after all have no more right than you or me). Letter shown below:

Dear Sirs,

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

 

Should it be necessary, I will obtain an injunction.

 

Yours sincerely,