I need help urgently please. Last week i got a call from someone who i could barely understand and found to be very impolite so i put the phone down on him. He has been phoning me at least a dozen times a day from a mobile phone (ive got caller id) Now he has sent a letter demanding money i owe to Barclaycard (i dont deny the fact) which i think is a lot more than i originally owed, also a photocopy of my house and a photocopy of my experian credit report with the barclaycard debt highlighted. I feel very threatened by the photo of my house (which belongs to the council so i dont know why he sent a photocopy of it) and very vunerable when

Turning the tables on DCA Bullies Have you got a genuine complaint with a creditor, are you fed up with the endless templated letters that do nothing to resolve that complaint. Are you confused that having failed to deal with your complaint properly, the Original Creditor/Bank then passes your account on to a Debt Collection Agency, the Robinson Ways, Moorcrofts, Wescots, Apex’s and Blair Oliver Scotts of this world. Now you have the endless stream of templated letters coming from a different source. Only they are now are a little more aggressive and intimidating. The “contact us within 48 hours” letters tha

For the last time,decisions to unapprove links are taken after close scrutiny and taking into consideration whether they are appropriate for the interests of CAG,whether they meet site rules,and so on. I have seen that 2 or 3 users have continued to force this issue. I posted that I had taken the decision to remove the links because firstly-no permission was sought,and also to prevent any targetting of individual team members. Secondly there were references there to stolen monies in the links which by the wording is unproven. And thirdly,given that CAG has run the thread here for 18+ months I could not understand why we should have

Thanks for your continued support Alan, when you obviously have you own important issues to deal with - it is most appreciated! It is mainly down to you and PF that I've managed to have the success I have with these PPI claims and for that I'm very grateful

good Luck I will try and keep up

and here's why:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

Hi PF, Try here: Employment and support allowance - the medical tests - Disability Alliance Factsheet F32 If you scroll down a little and click Factsheet F33 it will download them in pretty pdf format for you... Best wishes Rae

My opinion... Court orders are worth absolutely nothing outside of court. You can try and make them pay by sending letters etc but if they are ignoring you at this stage there is nothing you can do other than to take it back to court for enforcement. This means more time/expense etc... There are routes to enforce the order via the court but this depends what your favourite flavour is... you can look at a Warrant of Execution if you want to send the bailiffs in... a Garnishee Order if you know their bank account details But the route for enforcement is always through the courts (it's how they make their money )

Hi All And sorry I've been away for so long (...really ill but over the worst of it now). I have been looking in from time to time on my mobile but it's just really fiddly to post anything substantial. I'm absolutely shocked at what is going on here. Not for the first time the mods have come blundering in...with no knowledge of the issues here on this thread. I think you need to get a mod who knows these scumbags well enough to decide what is in bounds and what isn't coz as far as I can see you are all trying to get your credit cards written off and never had to deal with these shysters, fraudsters and money launderers w

Firstly Cabot are a bunch of legalised extortionists. You decide how much you pay them, not the other way round, personally I wouldn't pay them anything, but thats me. I hate the company. Yes, they may well have bought the debt, but doesn't give them any right to collect on it unless they have they correct paperwork. You say you have received a signed copy of your agreement with Capital One, I will safely say that if this account is 15 year old, the chance of what they have sent being enforceable is nil. Any chance you could scan/photograph this so called agreement (minus your personal details) so we can check it? As for

Lloyds and RBS face complaints handling probe: FT.com / Companies / Banks - Lloyds and RBS face complaints handling probe http://www.dailymail.co.uk/money/article-1269713/Lenders-fobbing-customers.html State-backed banking giants Royal Bank of Scotland and Lloyds are facing potentially massive fines for failing to investigate customers' complaints properly. A probe by the City watchdog blasted the UK's largest banks for the shoddy way they handle complaints. Two of them even pay bonuses to staff who turn down complaints and refuse redress. Five banks were investigated by the City Watchdog. Two treated their

personally- except in exceptional circumstances- i don't think it is advisable to head letters stating that "no debt is acknowledged" - or similar- since clearly, in 99% of cases there IS a debt- and the creditor can use this against you in court to invite the judge to consider your motives what is normally in dispute is that the agreement is not properly executed and/or legally enforceable and it is (IMO) this which should be pointed out in correspondence (and not necessarily in every letter) so that at a later date you are more likely to present yourself as a creditable witness in court - the more so if/when you are

I think DL were a little suspicious of the claims, hence referring it to their validation department. I think they thought you were trying on it, getting DL to pay for a new bathroom. There are people that put in dodgy claims. I recently read that DL are suffering at the moment, with a 92% reduction in profits, due to massive increase in claims. Exact means what it says. Colour, appearance, size. When the loss adjuster visits, they can see for themselves what the situation is and I cannot see a problem, if the LA agrees with your assessment of the situation.

I will have a word with the people at Greenwich and see if I cant get it changed to Friday the 12th part 2

the thread also contains on posting 24 by PT what the language of a default notice should be based on inc the way it should be framed/lettering etc, may be worth you scrutinising it against your copy....I hope you have some flaws to it after all. http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca-2.html#post1540178 Hope PT will jump onboard for you....in the meantime do also have alook further at posting #178 onwards too http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca-9.html#post1738026 should continue to prove useful information I hope....

Hi Martin, You'll be pleased to find out that we do in fact offer a 'Credit Burner Line' which's available every Friday for just this eventuality. Providing you have less than £0.10 remaining to quality for Free Weekends you'll just need to dial 46786 from your PAYG mobile and follow the prompts. All the best and if you need any further help just let me know. Lee Web Relations Team Vodafone UK

Hi smileychick123 I cannot really offer anything from a legal point of view only to give you my thoughts on reading around the forums & having gained knowledge that way in that it is rare for a judge to grant a sale order esp if there are children living there so hopefully a no sale order will be granted. Having written to the court to show the lengths you have gone to so far in trying to resolve this matter should also go in your favour maybe worth asking the judge if he/she could set an installment/consent order that you can make monthly payments to your dad in until the time is right for you to get the remortgage sorted. Showing w

Sainsburys Bank is 50% owned by Bank of Scotland. As DB says you need to do a SAR to Sainsbury,s, which costs £10, there are plenty of SAR templates on CAG.

But you have no actual Default Notice?