Tom Brennan had to face everything thrown at him in court. With i dont know how many people for the other side. And a case this Big gets a small room big enough for 11 people. No joke. I hope one of those 11 is someone that has a very loud voice.

This is an absolute disgrace. Why should we face court as many have done with so many there and yet the banks get a little room with very few. Soooooooooo not fair. Talk about keeping things under wraps. Wrong, so very very wrong.

Sorry some of the keys on my comp are sticking. Methinks one of my darlings has spilt something on it.

To start with just do as ODC said. And yes he does hav a halo above his head. Bless. Please the guys that have been here a long time have come through a lot and a few with a couple of war wounds. They do their stuff insid out. Honestly rasther than question it just do it and sit andwait. At least you are being pro active. The letter ODC mentioned will put your debt into dispute. At the very least it will buy you some time to sort things out. All the letters you need are written for you.

Hi am back. You are being looked after well. I would seriously think about sending a subject access reques off to all your creditors. If they are credit cards and store cards and you have charges on them, then you can claim these back. When i added up all my charges from Cap1 they ended up owing me. Lowells were not happy bunnies at all. In fact i got a cheque for 849.00. Which i used to pay another debt off. You maybe able to do this. You can still claim from store cards and credit cards. Its on the bank reclaiming thats on hold. If you want to post up what your other debts are and to who someone might be able to guide you. If you dont want to post it on open forum then PM one of us with details. You maybe paying more than you actually owe. Noone is saying dont pay your debts. That is not what this site is about. Pay what you owe but not more than you owe.

Right katpuss, i need to go out. But you need to calm down. Yes i admitted my debt with Capital1. But i was only going to pay them what i owed them. Not a penny piece more. Lowells are trying to scare the Cr*p out of you. Trust me. Things can be sorted here. If i could do it then i am bloody sure you can. First of all do not talk to anyone on the phone. Everything must be in writin only fron now in. If they are harassing you on the phone then there is a way of stopping that. All the letters are here on this site. Someone else will have to guide you to them as i have to go. I will be back on later. Please have a read through some of the threads bout lowells. It will make you feel a lot better. Honestly it will.

Yes you do hasve a leg to stand on. You have 2. Am going to let the more experienced guys here help you now. Otherwise it can get a bit confusing. They will give good advice. Dont worry. x

Were there any late payment charges or over limit charges on the barclaycard account. Did lowells buy the debt or just collecting for BC. Lowells did buy a debt from cap1 which i was in dispute with. I refused to deal with Lowells and took Cap1 to court to reclaim all my charges back. I won. Do you still have you BC statements.

Thankyou curlyben. You got there before me. Said someone would be along soon. Good luck hun.

Hi hun, please please dont fret anymore, you have come to the right place. I cant give you advice as such but i promise you someone will be long very shortly to help you. In the meantime, who was the original creditor. Do lowells have a legal right to collect this money from you. Are they claiming the right amount. Would it be possible for you to can the demand you have from them and post it on here. Deleting your personal info of course. That way when someone comes along they will be able to help. I too had a letter like this from lowells. It was a scare tactic they used. I requested the CCA from them. I am now sorted out with them now. I paid the original creditor what i owed. Which was half what lowells wre asking. Please as i say dont panic too much. You will get help.

Hi, just to say welcome to CAG. I too have felt like you did. And i got such fantastic advice from the people on here. Even when i could not sleep i would come on here and just read through some of the threads. It really does make you feel better. The main advice i could give you is please please DO NOT speak to any of DCAs on the phone. Always communicate by letter only. That way you have a paper trail. You are in the right place here now. Good luck to you, you have all the support from every one here. x

B####r. So sorry Tom.

Oh now please come on. Actually left my comp to do early doors. just got back and not a thing. pleeeeeeeeeeeeze. Anything.

18 members and 4 guests. Going up by the minute

Is the judgement being read in court or is it being sent by post.

Oh the pain the pain of having children. And that was only on conception. Sorry just a liitle light moment. If this is how we all feel i cannot imagine what Tom must be like right now. Having a stiff brandy probably. I would have had a bottle by nine this morning.

Yep you were right, the number of members and guests is certainly creeping up. Got loads to do but cant leave the comp alone. The family will have to starve for now. Wonder if chippie is open.

Wishing you all the best Tom. Good luck. x

Dont even get me started on the subject of CRB checks. Not on this thread anyway. Do bailiffs need them. And would the have one for each agency they worked for like we do. I have four on the go as i work for 4 seperate nursing agencies. And my PIN can be checked within a very short space of time if its requested by a home or hospital.

Hi very interesting reading. I think i understand the above post. What you are saying in effect is if a clamper was clamping your car you have no way as such of finding out if he is licensed for about ten days. And difficult to get info on other " Enforcement Officers. Why, If the nursing and Midwifery Council can confirm a PIN number of a nurse with just one phone call, then why the hell cant the SIA get it together in the same way. Appalling. Sorry as you know from previous posts i know what i want to say but writing it down it seems to come out all wrong. And yes i am a nurse. Scary i know.

oh yes she is x

Oh sod it, i actually know someone who is a partner in a very well known DCA. I am not going to mention names. But let me tell you when he told my ex how his company operates it scared the living crap out of me. He told him how much he pays for the debts and also about the way hegoes about his business. It was truly frightening. Neither i or my ex borrowed money from any DCA. I got the money from the bank and the bank i will pay. No one else.

And before you jump in with both feet paid up i am more than willing to pay what i owe. As i am doing. But i will pay the original creditor the amount i owe. Not a complete stranger that can pull a figure out of nowhere that bares no resemblance to my statements. The same goes for ex.

Right, now then. Paid up. As it happens all my own personal debts are paid up. I have worked bloody hard to get to this point. I appreciate your views and opinions. I came on here for advice about a debt collection agency using tactics that are under hand. And as it happens i am also helping my ex get himself sorted. Neither of us wanted to be in this situation. But we do take some of the blame for it happening. If you want to view your opinions then thats fine. But would you mind starting your own thread so everyone can join in instead of hijacking mine. Thank you

Right, update. The 14 days was up yesterday and no CQ from Cap1. Do i ring them or speak to court about them. Thank you x