Jump to content



CCA received - enforceable? First one - help please!


Please note that this topic has not had any new posts for the last 1564 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

4th anniversary since joining CAG and all quiet on the disputed debts other than a recent scare to do with identity theft involving a mobile phone company which has been resolved. So, a couple of years to go before these debts becme Statute Barred.

Thanks to all those who have helped with more recent disputes and long live CAG!

Exchange.

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 9 months later...
  • Replies 266
  • Created
  • Last Reply

Top Posters In This Topic

Hello to anyone who reads this. I haven't posted on here for ages but look at the website daily still to keep up with others battles. I am currently getting daily calls to my mobile from Allied Credit International (or Allied International Credit! - my listening skills go out of the window when any debt collectors hassle me!). Ignoring them of course but after nearly 5 years they certainly don't give up.

No idea which debt they are calling about as they only quote a reference number.

I'll never find out as I will never speak to them.

Good luck to everyone.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 3 weeks later...

I am still getting daily calls on my mobile from Allied International Credit.

 

 

I know that these idiots take a while to give up and I will never speak to them on the phone.

 

 

I have sent texts telling them that their constant calls are harrasement and asking them to only contact me in writing by post but they have ignored this so far.

 

 

I have decided to have some fun with them and I am now answering their calls but not speaking to them.

I like this because I am not in the UK and it is costing them money while they attempt to talk to me.

Hoping they will get the message this way but if they persist I will start finding various sounds to play at them.

 

 

I know others have done this and it will amuse me over the Christmas period however sad that might be!

Have a good Christmas all!

Exchange

Edited by exchange
spelling!

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites

Letters turned up dated the 21 November, postmarked 18 December and received today which I now recognise as being related to MBNA debts. The companies involved are based in Guernsey and Malta, no doubt to avoid UK laws and rules about debt collecting. Considering sending a sarcastic letter but I probably won't find the time!

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 1 month later...

5 years since my first posting and still getting the occasional letter and phone call from various DCA's which are filed and recorded but ignored. One more year to statute barring but will the pestering stop? I have my doubts.

Good luck to all those fighting battles on here and never give up!

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 3 months later...

Arden are the latest to start pestering calling my mobile. In my 6th year since disputing these debts and getting ever closer to statute barred land! I doubt the pestering will stop then either but at least I can continue to ignore these idiots. Seems they never get that I won't speak to them on the phone. Some satisfaction in that it costs them to call me as I am not in the UK.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
Arden are the latest to start pestering calling my mobile. In my 6th year since disputing these debts and getting ever closer to statute barred land! I doubt the pestering will stop then either but at least I can continue to ignore these idiots. Seems they never get that I won't speak to them on the phone. Some satisfaction in that it costs them to call me as I am not in the UK.

Exchange

 

If you have a tape player/recorder, you record some message to play to them each time they phone, ending with .... the number you have called is a mobile abroad at a cost of £5 a minute, plus £20 connection fee.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Like it unclebulgaria67! Thanks for the reply and suggestion.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 1 month later...

More than a month later and I am still getting a daily call and voice message left on my mobile from Arden.

Doesn't bother me that much as they will never get to speak to me but I am sending the telephone harassment letter to them.

The Data Protection letter in the library looks the best one.

Hopefully it will work.

Great that this resource is available.

All power to CAG!

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 2 weeks later...

Letter sent and calls have stopped.

Magical!

Thanks CAG.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 7 months later...

Well, 6 years since I subscribed to CAG and all quiet at the moment. Daily calls from the last dca stopped about a month ago and I am getting ever closer to statute barred. The occasional letter shows up now but I guess that's because they can work out the 6 years is nearly here. It would be nice to know when debts have become statute barred but living outside the UK means I have no credit record in the UK anymore as there is no address to associate me with. I suppose I just take it that this has happened and ignore any further attempts at collection. Keep fighting all!

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 7 months later...

Letter today from Moorgate asking me to contact them re my account with an unrecognisable account number. Very funny, do they really think I'm going to call them! I am almost at the point where all disputed accounts are statute barred and I will be free of this nonsense thanks to the help and advice from this forum.

Never give in to the sharks!

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 4 months later...

7th anniversary since I registered with CAG

 

 

only one debt left to become statute barred next month.

 

 

I only learned recently that the statute barred clock starts ticking from the date of default notices.

 

 

Nearly there and as ever phenomenally grateful to all those who contributed to help me

when I needed support and advice.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites

This is what you get when you ask for help... well done so far.

Make sure you check you credit file to make sure there is nothing more outstanding...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

Thanks for responding mikeymack2002. I haven't lived in the UK for more than 8 years so I have no credit file to check. A pity as it would be comforting to know that the debts have been statute barred for certain.

Good luck with your battles.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
  • 3 months later...

Decided to respond to the monthly (more or less) letters from Idem Servicing

as the final outstanding disputed debt became statute barred according to my reckoning in March.

 

Shocked to receive a confirmation letter of my complaint within a week

and further confirmation that my complaint had been upheld within days

and that they would not be contacting me again.

 

Could be the end of the road with all of this for me at last.

I say could be because I have seen that others have received ongoing correspondence out of the blue

so you never know for sure.

 

Anyway, fingers crossed that I won't be troubled again.

 

Keep up the fight all, it can reach a conclusion one day.

 

Thanks to everyone who ever contributed to my battles along the way.

Exchange

Financial chaos - 6 months unable to work from February 2009 after a major car accident, being paid in Sterling but having to pay bills in Euros with an awful exchange rate, financial turmoil ('THE CRISES') causing my earnings to halve and punitive interest rates from credit card sharks!

Credit Cards

Capital One - £11500 Account terminated, in dispute Last contact 03/10

RBS Mint - £10000 Account terminated, in dispute Last contact 11/10

MBNA - £13000 Ongoing dispute Last contact 12/10

MBNA - £6000 Ongoing dispute Last contact 02/10

M&S - £10000 Terminated twice, in dispute Last contact 07/10

Barclaycard - £3000 Repaying

Lloyds TSB - £3000 Repaying

Bank of Scotland - £9000 Repaying

Loan

MBNA - £20000 Terminated and sold on Last contact 06/10

Link to post
Share on other sites
:whoo:

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...