wow mr.ton i didnt know that i have a thread reliable collections and urent help littlewoods when u have a min plz can you pop in for me esp littlewoods one as they are phoning me back at 12 noon hope you dont mind tyvvm bg

hi all anyone heard from simon?

Littlewoods phoned me as i have beenunable to pay my payments so i have missed jan/feb i explained to the gentilman my difficulties and he said to me he understood but if i can manage to pay someting it will show them i am trying so yesterday i paid £5. Now littlewoods have been phoning up to 5 times a day/night i have told them that i have spoken to a gentilman and to look on the pc to check, this morning at 8-45am phone goes yes bloody littlewoods again this time a woman who was polite at first cut a long story short she told me i have 3 options i told her i had paid £5 yesterday, she said what the gentilman aid was wrong so she then gave me 3 options 1. pay the whole amount now 2 take a loan to pay it with 40% interest 3 or be refered to a debt collection agency she kept saying wht do you want to do i offered £20 a month she said she cannot acept that but can arange £29 a month I said i cannot afford that she again gave me the three options again i said to her i need time to think about it so she is phoning me at 12 noon to let her know what i intend to do out of the options she gave me please can anyone advise me what to do or say to her tyvvvm or any help given abg

hell ihave been dealing with j d williams and vanquis, i have my own thread also i ave been through all the chanels letters more letters etc..... vanquis stoped pp after 1 yr due to itbeing my acount and not hubbys who as mad retired under ill health, thiscaused alo alot of stress etc etc anyhw i havwith the help ofothers and hillards tyvvm, blank cca's then oe filed in by jd williams my name and address thats all asked for originals no nothing fille in expenditure etc gone all the way so i got this reply from cabot Dear XXXXXXXXXX reference no XXXXXXXXXXXXXX Thankyou for your letter which was recived in our office 8th december (they havent put in the earlier dates nor the letter to K.W.Maynard.) I regret that you have fekt the need to contact cabot fin and aploygise for any inconvenience caused I understand that you hae requested additional informarion relating to the above account. The cabot financial group purchased your account as part of an assignment from Vanquiss on 2nd july (news to me)2oo8 In your email 7th december 2008 you have refered to section 78 of the consumer credit act 1974. Although ccabot does not have an obligation under section 77and/or78 of the consumer credit act 1974 to suppy this informatuon . Cabot will assist the orignal lender and customers in providing this information. We have made SEVERAL URGENT REQUEST TO VANQUIS to forward any documentation relating to your account to us. Unfortunatly cabot has not recived documentation due to a delay in retrieving this information from there archives. We shall however continue to pursue this information and on receipt of the requested documantation shall forward to you accordingly. Please be advised that the failure to provide a copy of your agreement in time does not affect the legality of your debt with cabot financial group but merly renders the credit agreement unenforceable until such time the agreement can be produced. As aforementioned cabot does not have a duty to provide this information and therefore section 78 of the consumer credit acts does not apply to us. As a gesture of goodwill cabot has and shall cease any collection activity until such time the credit agreement is supplied to you. I trust that i have3 set out our poistion clearly However if you remain dissatisfied with our final responce you may bring the complaint to the attention of the FOS within 6 months of this letter, who may investagate the same. Please refer to the leaflet enclosed with our letter dated 8th dec 2008 Once again thankyou for writing to me and if you have any other queries in relation to the above please do not hesitate to contact us. k w maynard pp group chief executive. now although jd wiliams have the same infor mation they have sent a man yesterday doorstep recovery and most of jd wiliams amount is charges as alreadystated moocroft are ware thatr it is dispute they asked for all correspndence to be sent to them but i was advised to ignore it i did now i had him at y front dor what do do now tyvvvm for any help abg

sorry keys are sticking

helo how are you all well ere is the standard letter i have gt for vanquis smile they have ot the same response like me ignored all my correspondance so heres there letter Dear XXXXXXXXXX reference no XXXXXXXXXXXXXX Thankyou for your letter which was recived in our office 8th december (they havent put in the earlier dates nor the letter to K.W.Maynard.) I regret that you have fekt the need to contact cabot fin and aploygise for any inconvenience caused I understand that you hae requested additional informarion relating to the above account. The cabot financial group purchased your account as part of an assignment from Vanquiss on 2nd july (news to me)2oo8 In your email 7th december 2008 you have refered to section 78 of the consumer credit act 1974. Although ccabot does not have an obligation under section 77and/or78 of the consumer credit act 1974 to suppy this informatuon . Cabot will assist the orignal lender and customers in providing this information. We have made SEVERAL URGENT REQUEST TO VANQUIS to forward any documentation relating to your account to us. Unfortunatly cabot has not recived documentation due to a delay in retrieving this information from there archives. We shall however continue to pursue this information and on receipt of the requested documantation shall forward to you accordingly. Please be advised that the failure to provide a copy of your agreement in time does not affect the legality of your debt with cabot financial group but merly renders the credit agreement unenforceable until such time the agreement can be produced. As aforementioned cabot does not have a duty to provide this information and therefore section 78 of the consumer credit acts does not apply to us. As a gesture of goodwill cabot has and shall cease any collection activity until such time the credit agreement is supplied to you. I trust that i have3 set out our poistion clearly However if you remain dissatisfied with our final responce you may bring the complaint to the attention of the FOS within 6 months of this letter, who may investagate the same. Please refer to the leaflet enclosed with our letter dated 8th dec 2008 Once again thankyou for writing to me and if you have any other queries in relation to the above please do not hesitate to contact us. k w maynard pp group chief executive. now under the same circumstances along with all the stres agin a little man knock knock on the door heres a man from moorcrot wanting 2,201.64 now i owed £900 but all the rest is charges they have ha cab working and helping us, theysent expendicture etc its all in thethread, here, they ill not write the debt off and still want money yes i come uner the hardship and strees etc, and why hould i pay all these charges moorcroft i told them it was in dispute with them moorcroft said they want all correspondence and now ive had a man at my doorfrom moorcroft watin money tyvvm i dont know what to say or do now as they know allthe facts nadfgfures abg

thankyou all for your replie she still hasnt had any joy from thaem. abg

here are a few i have got from another site as im not to sure what letter you need will pop back soon hugs abg When a creditor refuses your offer of payment 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Acc/Ref No 4563210025897412 Thank you for your letter of 23−06−2006 concerning the above account. We are are sorry that you feel unable to accept the offer which we have made. The majority of our other creditors have accepted the offers made to them and we have commenced payments. We cannot offer you more because we can only afford £775 per month between all our other creditors, and it would be wrong to cease or reduce payments to our other creditors in favour of your company. The offer made to you is on a pro rata basis, as used by the county court. In the light of the other creditors agreeing to our repayment plan, please would you reconsider our offer. We will be making the payments in line with the offer to your company, on a weekly basis, as a gesture of goodwill. We look forward to hearing from you as soon as possible. Yours faithfully Mr A N Other __________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) Letter C - Ask your creditors to accept a token payment or no payment on your debts Ask your creditors to accept a token payment or no payment on your debts 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re Account No/Reference No:− 4563210025897412 Since making that above agreement with you, our circumstances have changed. We cannot now afford to agreed monthly payments because ... [your paragraph added here] We enclose a Personal Budget sheet which shows our total income from all sources, and the total outgoings of our household. As you can see we have no money left to make offers of payment to my creditors. In view of our circumstances, would you please accept no payment at present to be reviewed in six months. If interest or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase. Should my circumstances improve we will contact you again. Thank you for your assistance. We look forward to hearing from you as soon as possible. Yours faithfully Mr A N Other __________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) [/url] Letter B - Ask your creditors to accept pro rata offers of payment on your debts Ask your creditors to accept pro rata offers of payment on your debts 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re Account No/Reference No:− 4563210025897412 Since making that above agreement with you, our circumstances have changed. We cannot now afford to agreed monthly payments because ... [your paragraph added here] We enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have only £123 per month left for our creditors. The offers we have made to our creditors have worked out on a pro−rata basis, and we have written to all our creditors asking them to accept reduced payments. In view of our circumstances, please would you agree to accept a reduced offer of £27 per month. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you. Should our circumstances improve we will contact you again. We would be grateful if you would send a paying−in book to make it easier to pay you. Thank you for your assistance. We look forward to hearing from you as soon as possible. Yours faithfully Mr A N Other __________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) Letter A - Ask your creditors to hold action on your account Ask your creditors to hold action on your account. 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 We are writing to inform you that we are seeking advice and assistance regarding our current financial difficulties. To this end, we would appreciate if you could hold any action on the above account for a period of at least 28 days. Also, during this period, could you please freeze interest and/or any other charges accruing on the above account. We look forward to hearing from you as soon as possible. Yours faithfully Mr A N Other __________________ Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer. "Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly) Creditors and DCAs - Letter Templates & Budget Planner Here is a selection of templates which will be useful when dealing with creditors. Although I have called them Letter A, Letter B etc for ease of reference, they are in no particular order, and are in no way intended as a step-by-step guide - you will need to use the letter appropriate to your needs and edit it where indicated in red. The letters are as follows: Letter A - Ask your creditors to hold action on your account Letter B - Ask your creditors to accept pro rata offers of payment on your debts Letter C - Ask your creditors to accept a token payment or no payment on your debts Letter D - When a creditor refuses your offer of payment Letter E - When a creditor refuses to freeze interest on your account Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court. Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court Letter H - When a creditor asks you to agree to a voluntary charge against your home Letter I - Request for a stay of execution in the High Court Letter J - Full and final settlement for any debt Letter K - Ask creditors to write off the debt due to your circumstances Letter L - Ask your creditors to reconsider if they refuse to write off the debt Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974 Letter O - Mortgage shortfalls: Breakdown of balance owed Letter P - Mortgage shortfalls: Please write off the debt Letter Q - Mortgage shortfalls: Full and final settlement letter Letter R - Mortgage shortfalls: Lender should not pursue under CML policy Letter S - Inform your creditor that you are terminating your hire purchase/conditional sale agreement Some of these letters refer to a budget planner. Here is a simple budget planner which you can fill in to work out how much you can afford to offer your creditors, and you can print this and send with the relevant letter: Excel Budget Planner.xls Works version (Link not working at present)

hi again if they havent done so yet you will get a letter from them asking for what you owe etc and theres a number they say to call on now i know from my experience this number you can make arrangements with them an amount that you can afford, and they will set it up for you and then however it may be monthly, fortnightly weekly whichever perm you select then you agree to phone this number and make a payment using you c/card or debit card etc they will let you do this but yes they do put it up themselves i will be back when i find ourt some more for you hugs abg

oh my i feel so sorry for you and quite honest where do i start we were heart broken we was with the sharkes and it came that 3 yrs ago my hubby was made retired from his work now he had all the tests, x rays and oh my i have lost count how many medicals he had yes it was tehm so cut a long story short we took out ppi we only had it for a year they said and we have to pay for it how come when we are still paying ppi anyway the buggers went for it and court action it was nearly a thousand we owed and they kept putting charges fees interests on top and would u believe every month was trhe same and up n up it went in the end we had to either get out or sell it so we sold it to buy now sell your house and rent it back we didnt want to but that how we were and were still in the house paying private rent sorry its not really helped we went to a solicitor and she said how much do u owe it was £900 and say 50 pounds she screach it that all she thought it was in there thousands. abg

break the Data Protection Act by continuing to process your data, as a subject. There is a letter you can send, Basically, it's the one that thanks the DCA for failing to produce a valid CCA and asksthem to stop processing your data. You will probably have seen a copy in many threads. thanks for any help finding it abg

hi all i am now trying to get a letter its in one of our threads regarding jd williams but cannot find it

hahahaha mr ton

another letter vanquis cabotcustomer@cabotfinancial.com Mr K Maynard Chief Executive Cabot Financial (Europe) Limited PO Box 241 West Malling Kent ME19 4NA 10/12/2008 Dear Mr Maynard REF NO Vanquis xxxxxxxxxxxxxxxxxxxxxxxx Cabot ref no xxxxxxx Further to the letters I have sent directly to Vanquis your company have continued to call my home telephone number. As per my emails and letters, I have instructed your employees not to call me. I have told a gentleman that this account is in dispute. However, my repeated requests have been ignored. Please accept this email as confirmation that any future telephone calls will be recorded. I will take the liberty to send numerous copies of this email to ensure safe receipt. Cabots' behaviour constitutes harassment; my letters quite clearly to Vanquis that I require all communications in writing for future Court use. Do not telephone me again - remove any telephone numbers you hold for me from your systems. Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this email an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. This type of debt collection method is contrary to the 'Administration of Justice Act 1970' in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003. I do not acknowledge any debt to your company. I require you to supply the following documentation before I will correspond further on this matter. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. "MARGIN: A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. You must supply a statement of account, detailing any and all payments Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. Yours faithfully

heres the letter i got regarding vanquis no mention of ther fees/charges as this amount is all charges n fees n interest since my last payment so can i claim them or leave it i have copied the pages with all the dates payments etc...... .................................................................................................. Dear XXXXXXXXXX reference no XXXXXXXXXXXXXX Thankyou for your letter which was recived in our office 8th december (they havent put in the earlier dates nor the letter to K.W.Maynard.) I regret that you have fekt the need to contact cabot fin and aploygise for any inconvenience caused I understand that you hae requested additional informarion relating to the above account. The cabot financial group purchased your account as part of an assignment from Vanquiss on 2nd july (news to me)2oo8 In your email 7th december 2008 you have refered to section 78 of the consumer credit act 1974. Although ccabot does not have an obligation under section 77and/or78 of the consumer credit act 1974 to suppy this informatuon . Cabot will assist the orignal lender and customers in providing this information. We have made SEVERAL URGENT REQUEST TO VANQUIS to forward any documentation relating to your account to us. Unfortunatly cabot has not recived documentation due to a delay in retrieving this information from there archives. We shall however continue to pursue this information and on receipt of the requested documantation shall forward to you accordingly. Please be advised that the failure to provide a copy of your agreement in time does not affect the legality of your debt with cabot financial group but merly renders the credit agreement unenforceable until such time the agreement can be produced. As aforementioned cabot does not have a duty to provide this information and therefore section 78 of the consumer credit acts does not apply to us. As a gesture of goodwill cabot has and shall cease any collection activity until such time the credit agreement is supplied to you. I trust that i have3 set out our poistion clearly However if you remain dissatisfied with our final responce you may bring the complaint to the attention of the FOS within 6 months of this letter, who may investagate the same. Please refer to the leaflet enclosed with our letter dated 8th dec 2008 Once again thankyou for writing to me and if you have any other queries in relation to the above please do not hesitate to contact us. k w maynard pp group chief executive. abroadgirlView Public ProfileSend a private message to abroadgirlVisit abroadgirl's homepage!Find More Posts by abroadgirl

hi andynsue i have had dealings with lovell, moorcroft, cahoot/carbot i hope this letter is of use to you let me know or pop in reliable collections abroadgirl ******************************************************** Dear Sir/Madam, With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request. On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a compliant credit agreement is a very clear dispute and as such the following applies. * may not demand any payment on the account, nor am I obliged to offer any payment to you. * may not add further interest or any charges to the account. * may not pass the account to a third party. * may not register any information in respect of the account with any credit reference agency. * may not issue a default notice related to the account. Therefore this account has become unenforceable at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets. I would appreciate your due diligence in this matter. I await your rapid response. Regards.

hi all i sent all the documents, letters etc like you all have, they havent even halved mine as i am disputeing the tatal amount which has risen in cahrges and interest over 2 thousand 500, and its all charges . from a few hundred pounds into the thousands i am now thinking of takeing them to court with distress etc all this has caused me hillards is up to date with everything regarding this will get the moorcroft letter in here they sent me a blank copy of a agreement nothing signed or filled in apart from them adding my address full stop. I am going to copy what they have sent with my payments and all there charges and interest etc will go and get the letter tyavvm abg. hi blind as a bat i am going to put a couple in here for you as your going throu what i was going throu lol ***************************************************** Dear Sir/Madam, With reference to my previous letters, I wish to draw you attention to your company's lack of compliance with my legal request. On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a compliant credit agreement is a very clear dispute and as such the following applies. * may not demand any payment on the account, nor am I obliged to offer any payment to you. * may not add further interest or any charges to the account. * may not pass the account to a third party. * may not register any information in respect of the account with any credit reference agency. * may not issue a default notice related to the account. Therefore this account has become unenforceable at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets. I would appreciate your due diligence in this matter. I await your rapid response. Regards. J.D.Williams IMPORTANT CHANGES TO YOUR CREDIT AGREEMENT dear xxxxxxxxx we have updated the terms of your credit agreement to reflect current market practicde and also to reflect satatutory changes introduced by the cca act 2006 a summary of the changes is set out below and we enclose a copy of the updated ter ms and conditions NOTE THAT THESE WILL BE TAKEN INTO EFFECT FROM 1ST SEPT 2008 KEY FINANCIAL INFOMATION As we keep the minimum payment required of customers under view esp for customers who have established a consistent payment record with us we have emphasised this in the text in addition we have made it clear that where you have failed to make payments it does remain outstanding so that on the next payment date your mininmum payment will also include any previous mininmum payments you have not made 2. KEY INFORMATION AND CONDITION 5 We reserve the right to apply admin charge where you fail to make a payment or if any credit or debit card payment is rejected or any cheque you submot and is dishonoured or direct debits is not paid we have set out this in full in condition 5 LIKEWISE IF YOU FAIL TO MAKE A PAYMENT DUE AND WE HAVE TO UNDERTAKE ACTIVITIES TO RECOVER THESE MONIES FROM YOU INCLUDINGF INSTRUCTING ANY COLLECTIONS AGENCY WE RESERVE THE RIGHT TO RECOVER THE COST OF COLLECTION FROM YOU 3. CONDITION 4 WE HAVE CLARIFIED THE ORDER OF ALLOCATION OF PAYMENTS YOU MAKE TO YOUR ACCOUNT TO FIT IN WITH THE CCA 2006 ACCORDINGLY PAYMENTS ARE FIRST APPLIED TO CREDIT CHARGES ON ANY ADMIN CHARGES AND THEN TO THE ADMIN CHARGES THEMSELVES BEFORE APPLYING THEM TO THE CREDIT CHARGES AND CAPPITAL ON YOUR ACCOUNT ***********************EN D************************ *********** BUT THEY HAVE ALREADY BEEN APPLYING THEM TO MINE AS YOU CAN SEE BY THE POST I HAVE PUT IN OH AND THEY HAVE ENCLOSED A CREDIT AGREEMENT NO NO I AM NOT SIGNING IT ------------------------------- merged ------------------------------- **OC** had a statutory time limit in which to reply with the requested information; that limit expired on **DATE** at which point **OC** entered into Default under Section 78 (6)(a) of the Consumer Credit Act. A further statutory time limit expired on **DATE** at which point **OC** failed to comply with Section 78 (1) and thus committed a criminal offence under Section 78 (6)(b) of the Act.

hi all i have been reading this thread as well as my own with interest, i sent all the documents, letters etc like you all have they havent even halved mine as i am disputeing the tatal amount which has risen in cahrges and interest over 2 thousand 500, and its all chatges from a few hundred pounds into the thousands i am now thinking of takeing them to court with distress etc all this has caused me hillards is up to date with everything regarding this will get the moorcroft letter in herre they sent me a blank copy of a agreement nothing signed or filled in apart from them adding my address full stop. will go and get the letter tyavvm abg.

having spoken to her she has all her wage slips and bank statements where we both together checked, although they said they will look into it after 3/4 times nothing and it is up to them if they pay it or not the lady said its better in her purse as she pays the wages out of there pockets? the company if allowed is Quantra and it for 4 months seasonal work were they are closed now till next year abg

hello my neighbour next door has asked for my help. she worked for a firm named Quantras and they are saying to her that she has been paid her holiday she has given them copies of all payments that went to her bank also wage slips, now on her bank statements and wage slips there is no mention of holiday pay only hrs she has worked i said to her if they had paid you it would have been on your wage slipe holiday pay letsay a weeks etc but there is nothing anywhere about her holiday pay i dont know how else i can advise her can anyone help here as i am sure there s a way of means letter as she is now ready to scratch her eyes out by the way it contract cleaners she is working for so what can she do please tyvvvvvvvm hugs abg

hi again hillards ghee im sorry to be thick again lol i have been in macroons but as there is a few letters ive read them all they are v.good but now here come thicko me again i dont know which one it is i have to send s.beat? please can you tell me which one or do i send them the lot tyvvvvmia hugs abg

once again i cannot thank you enough i have got a letter from that gentilman the manager who is looking into everything for me in cahoot tyvvm now the other jdwilliams i have had 3 letters from moorcroft hugs abg

dear hillards tysvvm to be honest i didnt really understand the letter but once again thankyou to you for your reply as i now understand it tyvm what kind of letter od i send back to them please i know i am thick lol as they await my reply and will add to the fact about credit ref file? ty hillards take care abg does this now mean i dont pay if so i have won havent I or have i not as along the way not only did the finacial advisor request to write off the debt but i too sent the letter 3 times to them tysvm hillards

thankyou all for replies please can anyone draft a letter for me please ty abroadgirl

Hi Baab, Thankyou For Posting A Reply Yes Me Too Have Had Threatning Door Step Collection Gheee I Really Thought Those Days Were Gone Seemingly Not? I Too Have Ignored Them With In Red Cap Letters Doorstep Collections Huh Abg