my car its broke down and no garages open to do repaires till 3 jan

this company and red are contacting me over a amount of £600 they claim i owe to cit group they have sent a cca to me dated september 2005, but i have never recived anything from cti , saying that red/resolution are handeling the account or even a default, on my credit report this is listed as settled no default listed. i think the last action by me was in 2005 but not totaly sure, they are now saying if i dont pay up by the 16 they will have no alternative other than to consider legal action. what give me the bigest laugh is there line " we have not heard from you despite our previous letter and attempts to contact you by telephone" they have only sent me one letter which i cca and on there was the no call/letter only wording, so i have never had a call from them!!

A frend has come to me because her daughter who is 17 has taken out a loan for one of her frends with wonga,who is also 17 but dosnt have a bank account. They didnt let the mother know untill wonga emptyed the baks account the daughter uses for her ema, etc and is now unable to get to collage. I belive that wonga is in hot water because the daughter is under 18, and so is not able to sign a legal document, so the loan should have not been issued. if so i told her she need to report wonga asap and closed the daughters bank acount down, was i right?

i think a trip to the local police is in order sounds like the original buyer has comited fraud to me

just had a simmler thin myself, it turned out they had not done the paperwork on their side, just o in with all your evidance you told them everthing and keep calm

i just got a simler letter from red, they must of bought a pile of doggy acount from dell mine is from 2005/6 but no default is showing on my credit report and nothing from dell saying they have moved/sold the account to red, fight starting

well just got back and it was to inform me i was under investigation, because i was working 6 hours a week and had not informed them. i went armed with all my info including a photocopy my form telling them i was doing a small part-time work for up to 6 hours per week following advice on this website to keep your own records of everthing you do . The investigator then looked back on the computer and said yes we did receive this form 3 years ago but it never been auctioned. I asked how was i supposed to know that, and she sheeply said i wasnt, and apologised, closed the case , and got somebody in the office to fill in a new set of forms for me then and their. it make me made to think i was under investigation because somebody had not done their job and will probably never even get a word of warning because of it!

i have recived a invitation to an office interview, as the letter states to discuss the benefit they are currently paying me becasue a query has arisen on my claim. what does this mean , am i under investigation for something. i only claim incapacity and dla as i am unable to claim anything else because of other income, which they are well aware of, i tell them every time on every form i ever fill in for them?

being told by the local houseing group that run the councal hoseing around here that just because i recived a scetion 21 today from my landlord it donst mean anthing just sit tight it will be after christmass before they can kick me out and they may get me a house before then after waighting 8 years for a house.

look as we are now on the same page with this company have a look at the reply we got to the same questions http://www.consumeractiongroup.co.uk/forum/showthread.php?165020-help-what-do-we-do-with-this/page2

ok now after a few weeks of nothing she gets this what do we do now~? taken from origional as ocr with relevent parts removed Date 2 August 201 1 Dear Madam Our Client: Halifax Balance Outstanding: £8852.39 We refer you to the above and your recent correspondence. Your comments in respect to the length of time for our client to re-establish contact with you have been noted. Unfortunately where debt is concerned there is never a good time, however, we adhere to all legal requirements when pursuing this debt with you. Could We re-iterate our correspondence dated the 28 April 2011 this matter is not statue barred, for the avoidance of any doubt this matter relates to a mortgage. You will be aware a mortgage is sealed under a deed and as such is categorized as a speciality. In such circumstances this affords the mortgagee a limitation period of 12 years. You will be further aware of the provisions of see Limitation Act 1980 (Fresh accrual action of on acknowledgment or pad payment) As the cc-borrower, namely the other party, has made payment to the account you should also be' aware of the provisions of s31 Limitation Act 1980. (Effect of acknowledgment or part payment on persons other than the maker or recipient). It is not relevant who or which of the borrowers (mortgagors) physically make the payment. Our client is not at liberty to disclose information in respective of the joint applicant's payment arrangement. For the sake of clarification the last payment received by our client was on the 31 December 2002 We would advise you that it remains the intention of our client to resolve this matter amicably if possible. But they can only do so with your cooperation. Yours faithfully SHOOSMITHS

s/smiths must have bought a lot of these very old mortgages from Halifax recently as my wife if fighting them over a 19-year-old mortgage with no payments in all that time from us although we have sent all the usual its stat bard they are no telling us they are thinking of going to court to get a attachment of earnings and or a charge on our house, thing is we live in local authority housing and my wife has no income except the child benefit in her name, and we did not know each other as she was pevisoly married, so it's not my debt, so they can go and hang for all I care

i have complaind sevral times and all you get is its not their fault its the automed systems and were they get the infomation from, although they never state were they get all their info from.

OK deadline day has come and no communications from lloyds so i called the fos, she did not sound to happy and will be contacting the bank and will get back to me in the next 48 hrs will let you all know how it goes

yes they got the reply and it was acknowledged as received in a letter which give me the June 28th deadline

well only 4 days to go and no word from lloyds, thinking about taking them to court and putting up this case for the press to show just how inept and irrelevant to the banks the fos is

i just won my hardship case with lloyds/tsb here is the thread http://www.consumeractiongroup.co.uk/forum/showthread.php?264167-ok-so-they-say-i-have-a-case-BUT.....*****WIN*****

well now 2 weeks and nothing from lloyds, they have untill the 28 of June before i can contact the fos to complain they haven't done anything. any ideas what i should do after this date

ITS A WIN FOR ME AND CAG thank you all for your encouragement and help

ok here is a first try at a reply advice please I do not acknowledge this and any any claim made by you or any company you claim to represent. Please supply me with a full breakdown of the balance claimed under the above account. After taking legal advice after receiving you last letters , I now require you to supply me with answers to the following points for you to prove you have the right to deal with this matter: When was the last payment made on the account and by whom and by what method and proof that this payment was made by myself and is not a ghost payment by another party? Also could you please supply me with a full breakdown of all balance claimed under the above account including any and all charges made by you and all other parties in this matter? I look forward to receiving your reply as soon as possible. Failure to supply these details within 30 days from the date above, will result in me filing complaints with the Office Of Fair Trading, The Financial Ombudsman Service, Trading Standards, my local MP, and the Undersecretary Of State For Trade And Consumer Affairs. Yours faithfully

well received a reply stating because a payment was made on December 31 2002 its not stat bared but the timer has been reset, now we don't know who payed this as i was not with the wife at the time and she did not have a bank account then or now, so we don't know who payed this, please somebody could you do us a letter template to get them to tell us who payed this when and how much was payed as i suspect it a phantom payment, made by another dca

have a reply and a apology from fos

they seem to reaper every 16 weeks no mater how many time you tell them to take off, is now beyond a joke they need stopping all together but the authority don't seem to be able or willing to do anything, just accepting their statements that all this info is already in the public domain and they just publish it in one place!!

got my mp on the job he is far from happy, and a frend of mine from northern ireland has got his mp on the case also as his details are all there also and he is ex forces, a big no no in that area

got my first reply with some action and is a letter from the fos to my mp saying they are looking at the case and will get back to him with a update