Uregent Help needed with Hamtons/Red/Lowell clan

[lewte]

This is my first post.

 

A long story, but will make it a brief as possible.

 

Had 2 credit cards

 

Capital 1 taken out 2003 via internet balance 4713.40 and now sold to Hamptons/red/Lowell according to them. not responded to this debt. I do actually have the approval letter they sent me , i think I must have signed a credit agreement and returned to them and I have a copy of the credit agreement unsigned that they sent me.

 

Also Vanquis not sure when taken out but also via internet - also according to the above clan bought out by them.balance was 986.98 Think I made a mistake in arranging to pay them 10 a month last Oct as they scared me. so paid 4 months , so balance now 946.98, then lost my job through depression so Direct debits were cancelled. Have I shot myself in the foot?

 

last letter says applying for CCj's etc or deductions from wage!!! I'm on benefits at the moment. Do i ask for copy of cca or am I best going for repayment of over limit fees etc can anyone help please

 

 

Honestly not sure where to start but I am sick of being bullied by these companies and their threats.

You guys have given me the inspirataion to fight the bu**ers back

 

Oh and I am now at the stage with vanquis that I have to reply to them in the next 2 days or they will take me to court for CCJ or serve a statutory demand upon me and petition for bankruptcy ????

Edited June 30, 2011 by lewte

[dx100uk]

was there a period of 6yrs where you had no financial transactions?

 

dx

[lewte]

Unfortunately No. It got to the stage where the payments I could make were not enough to cover the charges. so I stopped paying. It felt like I was wasting my time.

Edited June 29, 2011 by lewte

[rosyb]

Do you have any assets?

If you are in rented property and on benefits it is unlikely they will take you to court and extremely unlikely they will go for a statutory demand (bankruptcy.)

The court would only allow a payment of whatever your disposable income is anyway, and it sounds like you do not have any.

I would send them the template letter on here and offer them £1 per month to be reviewed in six months when the situation may have improved, if they want to waste their time taking you to small court, and then let them they will get no more, which is why they will not.

Rosy

[dx100uk]

sounds like you need to get reclaiming!

 

dx

[lewte]

Thats the thing, I do have my own house. Thats why I thought at least going for charges would reduce the debts and probably clear them.

[lewte]

I do have my own house and i'm not too far off retiring. no savings tho and no pensions or anything

 

Can anyone give me any advice as I have never done this before. Do I ask the Credit Card company or Hamptons who have bought it for the list and do they have to stop chasing and threatening me whilst it is in despute.

 

Not to go into too much detail I had a nervous break down last year and I'm just starting to feel "Normal" ha ha again. and started looking for work. But this is upsetting me

Edited June 30, 2011 by lewte
typo

[silverfox1961]

Hi

If you don't have ALL your statements from Cap1 and Vanquis you will need to send them a Subject Access Request (SAR). The letter for this is in the library (top left) Once you have the statements, you will be able to work out what has been charged in overlimit/late payment charges. Send a £10 postal order to each creditor. Don't send to Lowells

 

I assume both debts are with Lowells. If so, send them TWO CCA requests (also in the library)-one for each debt. They have 12+2 working days to respond. Highly unlikely they will respond within the timescale but that will give you time for the SAR to come back.

[lewte]

Thank you silverfox I have just found them.

 

I received a letter from hamptons this morning offering me 50% discount or £40 a month on the Capital1 debt and threatening doorstep visits and court. So I am sending them a doorstep letter too. Should they all be in seperate envelopes and would it be worth sending a doorstep letter for the Vanquis debt too while I'm at it.

 

Sorry to be a pain. Once I've learned the ropes I'm going after Halifax next. That was under the £500 limit until I was sick in November it now stands at £705 they have sent me a default notice and they know my situation!!! They have agreed to stop chasing me for now and will reassess it in November.

 

Again thank you so much for your help.

[Tingy]

If you think there's going to be a balance outstanding which you won't be able to afford to pay off, you also need to fill in an Income and Expenditure form (in the library) so you can work out what you can realistically afford and sustain.

[dx100uk]

whoeeee

 

if they are offering a discount

then they have trouble

 

its either unenforceable paperwork

or

its all PPI/Unlawful charges

 

dont pay them a penny ignore them.

 

 

they will never go near court

 

there you go

 

they've played their cards...they had none - just trying to fleece you.

 

dx

[lewte]

I'll wait until I get my charges back from them. I'll have an idea then.

[lewte]

whoeeee

 

if they are offering a discount

then they have trouble

 

its either unenforceable paperwork

or

its all PPI/Unlawful charges

 

dont pay them a penny ignore them.

 

 

Thanks dx

 

is their a forum for Vanquis?

 

 

they will never go near court

 

there you go

 

they've played their cards...they had none - just trying to fleece you.

 

dx

[lewte]

Do you think its safe to ignore them for now ??? I am in big big trouble with the Halifax and I think they need to be my priority !!!

[Tingy]

What is the issue with the Halifax?

 

As regards ignoring them, only you can make that decision, but consider in your first post you said Vanquis were 2 days away from going for a CCJ or bankruptcy if you didn't respond and now look what they've done. They lie to scare you into paying, simple as that.

[lewte]

Hi Tingy

 

Ill Start a new thread for Halifax also Where would I start a thread for Vanquis ??

 

Not only that but I have this thread and one titled Cap1 both discussing my Cap1 alledged debt. Does anyone know who I contact to get them merged ???

[ims21]

Hi Tingy

 

Ill Start a new thread for Halifax also Where would I start a thread for Vanquis ??

 

Not only that but I have this thread and one titled Cap1 both discussing my Cap1 alledged debt. Does anyone know who I contact to get them merged ???

 

Hit the triangle at the bottom of a post and send a message to Site Team asking them to merge the relevant threads Ideally stick to one thread per debt/issue

 

ims