Thanks for the advice I will give it a try. God help anyone who turns up at my door from one of these firms though. I understand the comments relating to stealing someones mail but surely I have a right to know what's going on if someone is being linked to my address and letters obviously from different companies keep landing on my mat even though I have retuned as 'never or not known at this address'. Cheers!

Over the past year I have receievd numerous letters from the same few companies for someone at my address with a similar name to mine but clearly not mine. I have returned to sender numerous times and they keep coming. I got fed up and opened them so I can ring the senders to tell them that these debts are not mine but the letters keep coming. One of the letters I recieved yesterday at my address for this other person was on behalf of Thames Credit from Buchananclark + Wells threatening a visit from a debt investigation officer. Another one was from Parkgate Investigation Bureau stating that as the named person had failed to make arrangements they have been instructed to open enquiries into your current position and that they would be sending doorstep collectes around. It goes without saying that I am furious and concerned that I am being linked to these people and that my address and this person they think lives here is going to be financialy investigated. Can someone please advise as this is getting ridiculous and worrying.

Thanks for the advice Welshcakes, I think I will leave them out of the bundle all together and take my chances. Thanks for the quick response also

Hi, I'm just putting my court bundle together as I sent my AQ to the court and Barclays/woolwich last week. I want to be prepared but have been reading that we should be including the relevant terms and conditions in the bundle. I have tried looking on their website without any joy and was hoping that someone on here may have them? I originaly opened the account in 1988 but the account charges were made when it was an Open Plan account. Any help greatly appreciatted.

No it's not good/fair! The money you are claiming is yours. I have seen some great threads that deal with settlements and 65% seems to be a starting point with many banks. If I were you I would spend some time looking around the forum for advice. Everything you need is on here somewhere. That said, I'm not sure where the OFT test case leaves you at the moment. It may be that if you dont accept this offer the bank may withdraw it and then when you go ahead your case ask the judge for a stay. If the stay is granted you might have to wait for the ruling which may not be until the end of the year! Try this thread for starters: Cassie v Abbey ***WON ***

Your a star lindylou, many thanks for your help:grin:

just had my statements back from Crap1 and wish to claim CCI as I am disgusted at the amount of charges I have paid (including settlement figure in 2004) for a card with a 300 quid limit. I obviously have the outstanding balance on my last statement (prior-settlement) and the interst charged. If I give someone these two figures wil they be able to tell me the APR so I can claim the correct interest rate back? Heres hoping guys:D

Thanks Steve, yeh it is refreshing getting an admission like this isnt it? I dont understand the difference between Unpaid charge fee, collection activity fee and returned payment fe to be honest. I dont think they do either! I think it's just an attempt to keep a little of what they owe me back. Might be a power thing.. Anyway I'm going to ring them tommorrow and demand to know what the diffirence is. It's only a small amiunt but i's mine so I want it al back.

Hi, sent LBA claiming 200 pound (not much but it's mine) from an old agreement. Got a letter today on the 14th day to my surprise, heres how it goes: Thank you for your letter regarding a refund of charges accrued/applied to your agreement. We have conducted a review of your account. It has been established that although the charges were added within the terms of the agreement we have on this occassion decided to refund collection activity fees totaling 125.00 being final settlement of your request for account number *********. Please note that for this agreement we have only refunded collection activity charges as these were penalty charges, and returned payment fees are charges for service. A cheque has been requested today, which will be sent under seperate cover and will arrive within the next 7 working days. No admission (apart from the penalty charges you muppets:p ) is made in respect of your request on the grounds that those monies became properly due and payable under the terms of the contract as a result of your default (what default:rolleyes: ) and various notices were sent to you at the relevant times informing you of the amount of the charges payable. We hope the above is satisfactory. Joe says.... thank you very much BH especialy for your honesty in relation to admitting to levying penalty charges! So.. thank you to all here as I would not have had a clue hoe to start otherwise and you got me this far. Without wishing to sound ungreatful though, is the comment in relation to the 75.00 returned payment fee correct? From what I've read on here I dont think so! Look forward to a little more advice and please be assured that I do intend to make a donation in the very near future, unlike some others who just cut and run once they have their cash.

Just having a look around and your post cheered me up no end:wink: Well done! Do you mind me asking how you come to that rate of coumpounded interest as I will be hitting them with the same after the ru-around they have been giving me?

Good point, I'll give it a try. Many thanks Bona.

Or you can try the contact below as I believe Lee will be off work for a while! Just found out following a phone call to their offices whilst chasing non compliance of my SAR. Laura.barnes@gmacuk.com

What a good response I've had, I'm chuffed with my liitle self for standing up to the bullies. Had two phone calls today, one from complaints department saying they are investigating and will respond ASAP next week. Another call an hour later from a very nice lady at Collections apologising unconditionaly for the way I have been treated. They have brought my unsecured back in house as she admits I had done nothing wrong and offered to move the outstanding legal fees from the secured into the balance of my unsecured. I agreed as long as they put it in writing and agreed to return my Mortgage Exit Fees as well! I wouldnt have had the confidence to write the above letter if it wasnt for this site, thanks to all. It just shows how often people must be rode roughshod over by the big bullies and how many times they must have got away with shoddy treatment in the past. Get behind the robots and the real people seem to be the only ones who have any common sense. Thank you NR complaints Manager!

Hi Kenny, been reading your thread with interest;) Hope things are going well with your action. I'm interested in how things have worked out. C'mon we are on the edge of our seats here:D

Same here, sent a CCA last week due to a letter out of the blue regarding an alleged debt and default against my wife at our old address which we left over six years ago:o Got the same standard 28 day holding letter whilst they get the information from Littlewoods. The next day a 'Pilot' scheme letter offering a 75% reduction, how nice of them! I'm ignoring it and see it as a ploy to cut their losses for an unenforcable and ridiculous debt that we dont even remember having. I think they just want us to ring them so they can get us to admit to the debt. If we dont get our CCA info within the 12 days from my original letter they are going to be finding themselves lumped with a complaint with the OFT etc. God luck and stick to your guns. The sooner these people stop screwing innocent people the better off everyone will be as most of us wont have our situations made worse, and worse and through no fault of our own by nasty little bullying moneygrabbers. How's things going now with the DCA since your last post Cad?