Hi Ell-enn Thanks very much , will get that off first thing Regards Sham

Hi Ell-ennThank you , you are a star !!Sham

Hi Ell-enn Spot on as always Is there a template letter i can adabt to suit , or should i send them the account in dispute letter ? Sham

Hi Guys, Just a quick update on this long running saga with welscum. They have never replied to my cca or sar , and now i have had nasty letters from MKRR saying they now own the debt and will start court action unless i contact them to arrange a payment plan (i think not) Any thoughts on how to proceed with this new shower kind regards Sham

Hi Jaxads Good for you !! Lets hope the tide is turning for these sharks Sham

Hi Ell-enn , YESSSSSSSSSSSSSS!!!!! :D:D:D What a great judge we had today ! He ripped their barester apart and told them this should never have come to court due to the circumstances , and even reduced my brothers offer of £80 per month to £50 per month and wished him all the best with his recovery and said good luck with his complaint to the fos. Ell-enn , thank you so much for all your help we could not have done this without you , THANK YOU , THANK YOU , THANK YOU !!!! Warmest regards Sham

Hi Ell-enn , YESSSSSSSSSSSSSS!!!!! :D:D:D What a great judge we had today ! He ripped their barester apart and told them this should never have come to court due to the circumstances , and even reduced my brothers offer of £80 per month to £50 per month and wished him all the best with his recovery and said good luck with his complaint to the fos. Ell-enn , thank you so much for all your help we could not have done this without you , THANK YOU , THANK YOU , THANK YOU !!!! Warmest regards Sham

Hi Ell-enn , My brother has just come back from his G P who wrote him a very good letter to hand to the judge tomorrow . So thats all we can do for now , my brothers blood pressure is through the roof and hes been given meds to calm him down . Just one question , will i be able to go in with him tomorrow Ell-enn ? Regards Sham

Hi Ell-enn , My brother has just come back from his G P who wrote him a very good letter to hand to the judge tomorrow . So thats all we can do for now , my brothers blood pressure is through the roof and hes been given meds to calm him down . Just one question , will i be able to go in with him tomorrow Ell-enn ? Regards Sham

Hi Ell-enn Just had them on the phone , they said that unless i pay them 2,500 by today they will go ahead , oh my god sham

Hi Ell-enn Just had them on the phone , they said that unless i pay them 2,500 by today they will go ahead , oh my god sham

Hi Ell-enn, Just a quick update for you. Rang them this morning to see if anything on the proposal my brother put to them on friday , and they said nothing yet as it had only been sent today. I think this is going to go to the wire with these people ! the only thing i have done is send off a complaint to the fos today (recorded delivery) regarding charges they have been adding to his account since its been in arrears Regards Sham

Hi Ell-enn, Just a quick update for you. Rang them this morning to see if anything on the proposal my brother put to them on friday , and they said nothing yet as it had only been sent today. I think this is going to go to the wire with these people ! the only thing i have done is send off a complaint to the fos today (recorded delivery) regarding charges they have been adding to his account since its been in arrears Regards Sham

Hi Ell-enn , Your PM made me laugh !! O K , managed to convince him not to offer them more than he could afford and sat with him while he made the call , and listened on speaker phone. Well , they could not have been nicer , they even told him that if he paid on time for six months he could have the arrears capitalised as long as head office approves his proposal (sounds like they have the defence !) So she said she would refer it to head office , and try and get back to him today. Lets wait and see what happens then !! Sham

Hi Ell-enn , Your PM made me laugh !! O K , managed to convince him not to offer them more than he could afford and sat with him while he made the call , and listened on speaker phone. Well , they could not have been nicer , they even told him that if he paid on time for six months he could have the arrears capitalised as long as head office approves his proposal (sounds like they have the defence !) So she said she would refer it to head office , and try and get back to him today. Lets wait and see what happens then !! Sham