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Connaught - I should have accessed forum first!


Warrior100
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Hello

 

Before December 2007, I received one of Connaught's threat of bankruptcy demands for payment of a debt. As I had a couple of bad debts from around 2004, I assumed it was one of these which had caught up on me. I never thought to request proof of the debt origin or of their ownership of it.

 

As I was so 'spooked' by the banruptcy threat, I called (d'oh!) and agreed to make a monthly payment which they accepted. I made an immediate payment over the phone and was to set up a direct debit for subsequent monthly payments. However, once I had sat down and thought about what had occurred I became suspicious and decided not to set up the direct debit but wasn't sure what to do.

 

I obviously then received a couple of letters from them alerting me to the fact that I had missed the following month's payment. At the beginning of this week I called them (d'oh!) and they demanded payment of the 'arrears' otherwise bankruptcy proceedings would begin. I told them that I would be seeking advice before doing anything. That was the day I Googled "Connaught Collections" and found this forum. Having read through many of the threads, I can see that I've already committed some cardinal sins: making telephone contact, not sending a CCA Request, making an initial payment regardless.

 

What advice does anyone have please?

 

Thanks and regards.

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Hello

 

Having read through many of the threads, I can see that I've already committed some cardinal sins: making telephone contact, not sending a CCA Request, making an initial payment regardless.

 

:D:D I like your style. I think CAG welcomes sinners, however you must repent and never speak to a DCA again:eek:

 

If you think the debt is from 2004 you haven't really messed up by paying them as it is not yet statute barred.

 

However if they can't find a CCA you need never pay another penny, as I am sure you have worked out from your crash course in consumer legislation. There are lots of us on here who have learned a lot in a short time - all to our advantage. Welcome!

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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There are lots of us on here who have learned a lot in a short time -

 

I will agree with you GL.

June last year I know nothing and was doging the phone and post.

Now I cant wait till the postman comes :D

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Me too HAK - in fact it is really boring these days. I used to sit and look at the pile of letters and usually wait for OH to open them as I was too scared - of pieces of paper :eek: And the phone - well I have to admit I still have a bit of paranoia where that is concerned thanks to nasty DCA's. Keep taking the tablets that's what I say.

  • Haha 1

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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The countdown begins:D. Best of luck Warrior100.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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