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    • You honestly have a very serious situation here. Is there any chance that this problem might be being caused by somebody that you know? In future you should open all letters and copy them and then return them to the sender but make sure you have a copy. This is very important. I understand that the three of you are being targeted. I am saying "targeted" because it is too much of a coincidence that you are all the subject of the same kind of identity theft/identity fraud committed by different people. This suggests very strongly to me that there is one person who is doing this and the fact that this person is doing this to all three of you also suggests very strongly that it is somebody who is known to you. I would find it difficult to imagine that there could be any other explanation. Have you got a list of the companies that have become involved because of this problem? Please could you post up a list here
    • Yes I am so sorry.  I am using my phone to type and it comes out in a block.  I will see if I can borrow use of a friends computer next time 
    • I'm sorry that you have been upset about it. I think you are very justified feel that way. Before I start answering, can I please point out that this is the second time that you've posted a solid block of text. It's very difficult for people to read and to give you the enthusiastic support that you deserve. In your first post, – which was very long – one of the site team restructured it so that it was legible. We don't really have time to do this kind of thing and so please would you make sure that in future your posts are properly spaced and punctuated and that will encourage people to view your story and to give you the advice that you need.   Also, now that I have restructured your post I see that you have recognised that your posts are not properly spaced because you don't have a computer. You can still use the paragraph return with a phone and it will make it much easier.
    • Sorry I’ve just been a bit upset about it.       It started with my daughter (aged 27) four years ago.  We rang the train company and tried to sort it over the phone.  I know now that was wrong.  My daughter has had at least 6 separate letters relating to different incidents of fare evasion.   One of the incidents was going to court.   My other daughter has had about 8 or more separate incidents. She has a file which I can get this week.   My ex partner has now started to get some (Erica instead of Eric ).   There ha e been some addressed using our surname but with a forename not known.     The one relating to me had gone to court and I have had to ask them to open the case again.   I was advised not to do a statutory declaration as although I didn’t open the letter addressed with a misspelt surname I did suspect what it was and so couldn’t say I didn’t know about it.   At least one other has gone to a court.   So many we have out back in the post as unknown at This address.     There are too many to fight each one altogether for my family they must be over 20, I’m sorry this isn’t very well space I only have the use of the phone   I don’t have a computer
    • The forum software automatically changes other website addresses back to CAG,   Google  'Fight Back Forums' and register there. They are the experts on council pcns.  
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Thanks All

 

Landy I was so upset with CL Finance, and you are right the wonderful lady at halifax who has been dealing with this (and treating me so respectfully...and understanding that my mission was the reduce my debt - first and foremost) I think knew that CL weren't playing fair, plus she could probably see what they bought it for on her screen.

 

I actually have another 5 debts (smallish) with CL, but seems 75% or nothing with them !

 

I am looking forward to reducing my debts thanks to the help and advice from this forum.

 

Barclaycard I got £1500 off the balance for charges and PPI, Halifax Card I got £247 plus £336 PPI taken off the balance, HFC - I agreed to their £2k off the balance for misold PPI..................So my amount owed is looking so much better.

 

I am continuing with others and fighting all the way, I know I spent it, and I am paying it all back, but my situation is so much better thanks to their admission of mis-sold PPI and unfair charges.

 

Originally owed £32000, with charges added when I defaulted - £34000.

 

Paid back (pay CCCS 300 per month) £10k off the debt and thanks to reductions for above now owe around £21000........................one day I will be debt free !

 

When cheque clears I will be making a donation to the site for all your help and advice !

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Hi Charley:)

 

Very well done with managing to reduce your debts thus far:D

 

This site is amazing and the members are so willing to help their fellow sufferers - I just wish I'd found it a couple of years ago!

 

Keep up the good work!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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been off for a couple of days.......

 

well done charley, great news to come back too

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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