Thank You

Thank You for your reply BRIGADIER2JCS

I am new to this, so could you please explain how to check to see if time barred

Or anyone that can advise me

Thank You

Yes its an old debt dated Jan 2001, i dont remember doing it but it is my writing and signature,

the letter apolagises for delay but now a copy has been sent, gives me 14 days to contact them before the continue proceedings..

Any Advice welcome

I was sent a letter asking for money i owed from a company i had never heard of 'Weightmans LLP'

I replied to it as it is suggested in these pages requesting proof of contract etc letter was dated 4 feb 2011.. i have just recieved a photocopy of and old agreement i had with RBS, from Equidebt, its now september well past the 12 days, how do i stand with this ? what do i do?

Thanks for any help:

Thank You Unclebulgaria67

i will act on your advice, thanks again

Rightfullymine

Please help, i am being persued by C.A.R.S for an outstanding amount with Budget Insurance...

i had a car and was insured by Budget, my car had personal number plates on it,,, i sold the car and retained my number plates. i informed the insurance company who continued my insurance for a further year on my number plates....

I wanted to drive my girlfriends car, so i called budget to make sure everything was legal and to increase my payments if necessary, they then said that i couldnt do that and i should not have been carrying on with my insurance...

So Budget had sold me the insurance that they then said i could not have and then as i had to cancel it, they slapped charges on me....

surely this is not right and i now have C.A.R.S chasing me for over a hundred pounds!!!

any ideas what i can do about this misguided mess

Thanks Sillygirl, CCA it is then ....

ANY ADVICE FOR ME

Thanks Penfold Once Again

I have recieved a letter from Nelson Guest & Partners Solicitors please read..

Client Ref *********

Client Wescot- Vodafone Ltd

Wescot Debt No: *******

We are instructed by Wescot Credit Services Ltd on behalf of the above named Client, in connection with the sum outstanding shown above.

Unless payment is made to Wescot within 7 days of the date of this letter, legal proceedings for the recovery thereof may be commenced without further notice.

In the event of Judgement being obtained, we shall seek all fixed costs and fees together with statutory interest on the outstanding balance.

yours faithfully

********************************************

I have not had vodafone for 5 to 6 years and didnt know i had anything outstanding!!! this has come out of the blue!!

what should i do??

Hi Guys

Thought I would keep you posted as promised, I have now recieved a letter as follows:

Our ref:*******

Creditor: Equidebt Ltd (Formerly Barclay Card)

I confirm reciept of your letter dated 22nd Feb 08 and the enclosed payment of £1. A request has been placed with our client for a copy of the Consumer Credit Act document and the account has been placed on hold until this matter has been resolved and no further collection activity will occur.

If in the meantime you need to contact us about any aspect of this matter please call the following freephone number 08005872756 or write to us at the following address:

Compliance Department

ECI

Wquity House

Ettington Road

Wellesbourne

Warwickshire

CV35 9GA

yours sincerely

Kevin Kennedy

Senior Advisor

Compliance Department

ECI

********************************************

So please send me your thoughts on this..

thanks

bump

Ok So This Could Have Just Crossed In The Post Then...

Thank You For The Warning - I Have No Intentions Of Ringing Them At All..

Hope You Had Fun Though

I Will Keep You Guys Posted

Thanks For Your Help..

I Have Started Recieving Letters From E C I Debt Collectors, I Sent A Letter Asking For The Agreement And Sent £1. This Was Last Week. Today I Recieved A Letter I Quote:

Our Ref:**********

Our Client: Equidebt Ltd

Client Ref: ********

Outstanding £???.???

__________________________________________________________

Your Payment Is Now

Unnacceptably Overdue

act Now To Avoid Legal Proceedings

Phone 08000731170 Immediately

To Pay By Debit Or Credit Card

Yours Sincerely

Wes Mulligan

^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

So I Would Be Gratefull For Your Views On This. Have They Sent Me This Because They Hav'nt Got The Papers? What Should I Do Now?

Im Gratefull For Any Advice

Thank You

Thank you so much for your help and reassurance guys,

as yet have not heard a thing, I never talk to anyone on the phone always say they got wrong number to anyone thats not family or friends.

Im not sure what its for..

I will keep you posted,

Thanks much appreciated. :grin:

So I just wait until the 12 days are up ! then what do I do?

thanks for your help

Hi wrote the letter and sent it recorded delivery on the 15th jan, got a reply from them dated 24th jan..

it says:

Dear Sirs

Agreement No #######

We refer to previous correspondence.

You requested documents citing the Consumer Credit Act 1974. We have now received a copy of the agreement.

Please contact this office on the telephone number above to discuss this matter further.

Yours faithfully

-------------------------------------------------------

my question is what should I do now? and were they not supposed to send me the details within a certain time?

Thanking You for your help.

be grateful for your advice

Thank You Penfold, thats just what i needed.

you're a star

sorry im not too clear on what to do myself..

yes i think it is the CCA, thats when a different company take over a debt from another. we have never heard of Thames Credit Ltd before, and dont know where this debt has come from.

Thank you for trying to help.

can you please tell me where i can find the template, that you send when another compant takes over a debt.

thank you

Thank you Michael

I am out of work at the moment and my bank is zero! I will be having benifit paid into my bank and it will probably get swallowed.

I am aware that there is a letter you can hand in that will keep thier hands off that money.

Please can you tell me what it is called and where I can find it.

Thanking you in advance.

Hi guys,

Im back just waiting for the cheque to clear and i will be right back on their tails nipping at their heels

Hope you guys are all having success, i am now watching all threads carefully as i am waiting to take my final step !

just want to thank everyone who has helped me up to now X

OOOOO I want it back - all of it!!!

hi all hope all is going well for you guys,

still waiting for my salary to get into the bank, thought i would see wots been happening.

hopefully another week ish then i will be back on track....

meanwhile just sending prelim letter for my husbands account!

and non compliance (barclays) for my son in law!!

so still busy ~ fighting for the cause!!!

luv 2 all

thanks lori, i can carry on from the LBA after a delay of a few weeks cant I???

hello all

i am still waiting to get paid so i can take my next step.

my husband and i are also waiting for tax return, my husband got letter today stating payment to follow, i recieved a form to fill in!!!

just my luck!!!

still i will be back on track soon ~ bet they think ive let them off, hee hee. best they think again