Help PLEASE

[rebel11]

Hi oopsadaisys

 

Welcome to CAG

 

First thing to do is send each creditor a CCA Request with £1 postal order

CCA Request Templates can be found on this site. You send the CCA Request to find out if the agreements are enforceable.

If they are unenforceable, you can put the account in dispute. Start a thread in the correct section, something like

oopsadaisy v westcot, then scan and post the document, having removed all personal details.

 

Secondly if you have paid any Penalty Charges over the last 6 years plus,

you can get them back with contractual interest. All you need to do is send a SAR request with £10. They have 40 days to send you statements. If you have been mis-sold PPI, again you can get that back with contractual interest. Again Templates and spreadsheets can be found on this site.

 

http://www.consumerforums.com/resources/templates-library

 

You might possibly not owe as much money as you think. The guys here are very helpful.

Edited July 14, 2010 by rebel11

[rebel11]

Yes scan and post whatever they send you, don't forget to remove your personal details. Yes, you can put the accounts in dispute until they comply.

 

Unfortunately I can't advice you on the second paragraph, but others here will respond.

 

Thats fine just use this thread, the site team will move it if it needs to be moved.

 

Any spare time you have, it's worth reading some threads on Westcot, that way you can arm yourself with the

knowledge you need to deal with matters.

 

hi

 

thanks for the welcome.

 

I have printed off the letters and will send them on saturday by recorded delivery. If it is that they do come back with the correct letters should i scan and upload on here? as i have no idea what these papers look like?

And if they dont comply and send them to me does this mean that the accounts then go into dispute? and when it has gone into dispute does it mean that they cannot enforce the debt until they provide these documents?

 

sorry know im waffling on but i dont understand the proccess, or i dont understand why they are sending letters to my mums, could it be that they are infact just trying to obtain a ccj without the correct checks, so that they can enfource the lump sums without issues arising? or do they need to provide a court with the fact that i do live at this address, i no longer have any financial conection with that house at all other than it is a prev address.

 

Oh and i dont know how to move the thread to where it needs to go

 

loads of thanks

[rebel11]

I'm scratching my head, thinking I've forgotten something, Thanks Halibutt:D

 

 

You're in the right place already and good advice from Rebel11.

 

Keep a copy of everything you send in writing. Don't sign any letters, simply print your name. Everything by Royal Mail Recorded Delivery - you can track delivery on the Royal Mail website - keep your receipt of posting!

 

I've started adding "By Royal Mail Recorded Delivery" at the top of any of my correspondence - it might make them think for a second or two before trying to bully further as they know you can prove they received your letter(s).

 

If you've written to them, including your new address, they should then direct any correspondence to the address you've quoted.

 

If they don't and continue writing to your Mum's address, that could be included as evidence of harassment.

 

Keep all of their letters and the envelopes they came in.

 

Best of luck and let us know how you get on!