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Creation financial services/store card

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These guys were calling me 17 times a day on mobile or landline and really aggressive.

Debt owed was £1900 they added huge % and penalties so now £3100.

Opened Sept 1996.

I foolishly sent cheque for £1 with CCA which I am 99% sure they copied my signature to a Credit agreement,where theyactually spelt my name wrong so I know I didn't sign it.

They sent my account to Drydensfairfax who wrote several letters threatening court action etc but have gone very quiet since Feb this year-waiting for next move.

I replied to Drydens saying they had not returned a CCA and was therefore unenforceable, heard nothing since. No statements,no calls nothing-eery-

I CCA'd them in Jan 2014-they sent several attemptsat reconstrued CCA type A3 blank credit agreements-which had nothing,no details on them....their % was 26.5% .

Stupid me to have got in this mess but I had quite a nice business then a creditor liquidated owing me huge monies and I lost everything-tried to survive for a while using CCards to support myself and pay debts with each of them -made it worse.hey ho such is life.All ok have my health,my family and it's summer at last :)

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Hi

 

Moving thread to debt collection forum for you.

 

OK

 

1. FULL SAR to OC, get proof of all the penalties on the account then return here when you get the info and/or something else happens.

Those penalties are reclaimable with any interest charged on them. People here can help you with the process.


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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No chance of them getting the signed CCA

They were. Shredded years ago

 

DX


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

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Have they been rattling your cage recently?

 

If not I'd let sleeping dogs lie, but if they're harassing you again then fight back.

 

Keep a diary of events regarding their telephone harassment with a view of reporting them

to the police for the criminal offence of harassment.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No they have gone really quiet which is a bit unerving as waiting to see what they do next but peace is nice-think they are plotting my sentence :) Thanks for advice I will keep everything and make notes xx

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I would certainly sar creation yes.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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