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Hi All,

 

I wondered if I could have some of your valuable opinions and advice please

 

I've received a letter from Colemans-ctts in respect of a debt that I've not paid and they're threatening legal proceedings. I'm not disputing I owe the money but something doesn't seem quite right.

 

My original creditor was Vanquis Bank. I got into debt with them and they passed the debt to C.A.R.S (Creditlink?) who have subsequently now instructed Colemans-ctts solicitors to deal with me.

 

Now the issues I have are, that the letter is dated 19 March 2012, yet I only received it today ( 25th April ) and the return address is PO Box 8743, Bellshill, ML4 3WU. My understanding is that the return address is M/Hall.

 

So, my question is - Why would a letter from Colemans-ctts solicitors have a M/Hall address on the envelope? Also, it's strange that a letter with such significance as legal action, takes 5 weeks to get here.

 

Any advice / comments / opinions would be welcome

 

Thankyou fellow Caggers

Many thanks

 

Phil

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fake/tame solicitor

 

no legal powers at all just like a dca!!

 

check your cra file

what does that say about this debt?

 

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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fake/tame solicitor

 

no legal powers at all just like a dca!!

 

check your cra file

what does that say about this debt?

 

dx

 

 

Thanks for responding. Appreciated

tbh, I've buried my head in the sand over my debts for the past 6-8 months and only now do I have the fight within me to face it all. I've no idea who holds what information on me anymore. So, my credit file is the best place to start, you think?

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If M/Hall are involved it begs the question of how old is this debt?

Only since last summer. I had a Vanquis card with a £500 limit. Stupid, I know now. I stopped paying the monthly payments last summer ( july/aug )

Now the debt is £ 748.85!

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cra is the only place

 

noodle is free

 

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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Share on other sites

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