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    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
    • When you list your debts, can you include  the approximate month/year you took out the account or loan.  Also when the accounts were defaulted, if you have received a default notice and could not pay the amount on the default notice.   If you have Government debts such as Council Tax, please state the current position.    Are you currently working ? Do you claim any benefits  ? If you are on low income, have you applied for any help. It would be Universal Credit now and not  Council Housing Benefits, unless you have any existing Housing Benefit claim.    
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well cccs say i am in the right for standing my ground to not give them bank statements (not even my bank account anyways) so sending a strongly worded polite email to them right now informing them of my refusal :D feeling better now well a little bit lol thanks guys xx

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Well done:-D


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copy of the email im sending them:

 

Dear Lewis,

 

I have just this minute gotten off the phone with the CCCS, they have informed me that I am right to not provide you with bank statements. Therefore I will not be providing you with anything other then basic income and expenditure.

 

If you so wish to carry on processing the account then please do so. I will not be paying any more then I owe. I will continue to make token payments and should anything in my personal circumstances change then your company, along with the other creditors, shall be informed in due course.

 

In the mean time, £1 token payments will be continued to paid.

 

Any more requests for this personal information shall be ignored, and passed on to Office of Fair Trading and also Trading Standards as an official complaint.

 

Regards

 

Caroline

 

Please feel free to let me know if I should add anything in or take anything out

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Sounds good concise and hits the nail on the head!!!!:lol:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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nope still didnt learn... oh well I am standing my ground on this one... and I am still refusing to budge with giving them the bank statements :-D

 

hes throwing all his toys out of his pram now :lol: and I have told him if he so wishes he can stick the account back into processing at his own companies expense as I will not be paying any more then the £376.50 that I know I owe, and until I can afford more I will only be paying the £1 per month. copy of the email for you all to enjoy is under here ;)

 

 

I have already proved I can not afford to increase my monthly payment. I have actually provided more then sufficient evidence to support the fact I can not afford any more, in fact as the debt is in my name only I didn't even need to provide house hold income. Bank statements are private and confidential information and therefore are covered under the data protection act and I am fully within my legal rights to not provide this information.

 

But like you said as you are refusing my reasonable offer I shall still be making token payments of £1 per calendar month and you can put this account back into processing at your own cost. I will not be paying a penny more then the £376.50 that I know I owe.

 

Regards

 

I know a little harsh but after 17 emails off these clowns over 4 days up until now and currently on the 2nd person I think you will all agree its a bit justified lol

 

xx

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Keep at it they have no rights or authority do do this, and it is unfair under guidance.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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seems as Lewis finally got the message... as from my last email I have had no reply... (I bet I have jinxed it now lol) only thing I have had since was a text message to my phone asking to ring them which I haven't and have no intention of doing Caroline 1 WDA 0 whoo lol thanks for your help guys xx

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Just thought I would update as this matter finally got resolved on the 8th of June! I had enough of their rubbish and emailed complaints who then tried telling me the exact same thing. Until i sent them this email :

 

Richard,

 

 

 

I appreciate that it is regular that you hear people on a daily basis claiming that they can not afford higher repayments, but trust me if I could pay more I would. I am simply refusing to provide documents that are legally unnecessary. I have provided more then substantial evidence in my income and expenditure form to support what I am telling you and your colleagues.

 

 

 

I will not be able to make payments higher then £1 per month as my budget will not allow it. Unless you would like a 7 year old child starving to death because I have no money to feed him on your conscience.

 

 

 

I have to make payments to priority debts like rent and council tax, and currently do not need the extra stress of having numerous creditors on my case. As you will see on the list of creditors I originally supplied I have had phone calls from Simply Be today harassing me to pay them £139 which they were told exactly the same thing!

 

 

 

I don't care if only one months interest has been applied or 12 months interest has been applied to the account. I would expect to have the amounts applied if the repayment plan was ceased because of an action of my own doing i.e. cancelling a standing order without informing your company, or such like. Not because you have decided I will not supply documents that you want me to supply which I have no legal obligation to supply to you. Even if this matter was to go to the County Court, You would get the same response, the court would be the only people to see the bank statements and they would still set the payment of £1 per month. Either that or not even entertain you in court as I am making payments to the account.

 

 

 

Excuse me if I sound rude, as I simply do not mean to. But running a house hold on not even £800 per month aswell as trying to get to and from places of work and taking my step son to school, it is not easy!

 

 

 

I am on the tip of being made to go on to sick leave because of the stress this is causing me.

 

 

 

Regards

 

to which I received this email:

 

Dear Miss xx

 

 

 

Thank you for your reply. I have spoken with the collections manager and she has accepted £1.00 for a further six months subject to review.

 

 

 

Kind regards

 

I think I won... lol

Edited by cerberusalert

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Congratulations on the letter, it got your point across without being abusive and intimidating. They don't like it when you can stick to your point and point out the law in such a clear, concise way as you have done.

 

Keep us informed if they mess around anymore.

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WELL DONE:madgrin:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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In 6 months time you need to be firm when you tell them your circumstances have not changed. but you have shown you are more than capable of that! Really well done!


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Hello all,

 

6 months later and sure enough I am back to square one. only this time they have passed the debt on. apparently they had been emailing me for the review etc etc. only knew about this when they rang me. told them on the phone they should email me as i will not discuss the account over the phone. the woman didnt like it but i wouldnt have anything to say to her, i wanted it in writing. she accused me of ignoring emails and i told her i had no emails from them and gave them another one to contact me with. still heard nothing from them until i got an email (to my old address) from the debt company they had pased it on to... told them in a polite way that i would not be paying any money to them, i did not acknowledge any debt to them but acknowledged i owed WDA xx amount... also told them that i had no communication from WDA so i would continue to pay them the agreed £1 per month. i got an email back asking what my reference number was, and i emailed back telling them they would find the original email they sent to me at the bottom of the page and have a look (i literally hit reply with eveything still written there origionally) no reply since, and this was from the beginning of january. nice start to 2012 :-(

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