i know all this, been thru it so many times unfortunately, but i just dont have my head in a good place at the mo, since losing job in april, its been one thing after another, i soo badly need to get to grips. ok thanks soo much for reminding me what ive gotta do, its the same debt yes as link was chasing, so is this not someone acting on behalf of link? i know they have these inhouse solicitor jobbies...

Oh my god, i totally forgot about the thread i have started... until now .... have had a letter from bucanan, clark and wells....they just want payment, i dont really know how to proceed, any help appreciated ...

hi everyone ....

confused??......

bumping ...

no..i just carried on paying the £10 arrangement i had with A and L, santander.. wescot were just the collector for santander i assume, rather than actually 'owning' the debt... santander just got funny about it when A and L merged with them in january....

thankyou i shall do....when santander took over account from A and l, they passed on to wescot to collect, ive been paying wescot/ or santander as they were calling themselves but wescot was coming out of my bank card...so maybe is my first line now with moorcroft to CCA them, rather than the letter of dispute?.. as technically i never disputed it????

Moorcroft have sent a letter about the account now.... Santander refused to accept my £10 payment 2 months ago, and told me to wait until i hear from the DCA..... should i CCA request them?.... they want me to do a financial review with them.... they were saying that there is a very good settlement figure, i didnt asdk what it was, i said if its a £100 or a £1000 i dont have it!....

hi all.... after a long pause, ive received a letter today from link, saying please find a confirmation of sale letter as requested.... repayment is due etc. The letter is on MBNA letter headed paper. One vital part missing i find is a sale date?... its got a default date, my address isnt all complete, so im guessing its a bit of a bottomless boat????...... appreciate any advice on where we go now. its my hub's account, and im currently in dispute with court's with another DCA, and i really cant let hubby go down same route as i have, it scares me senseless, and he isnt a well man to be honest, id fear for him.... thankyou x

ive received orders yep...

sent cpr request 16th feb, received response to it on 4th march, which says they have requested transcript and will provide this to me, together with an appeal bundle in due course....takes a few weeks i guess for them to obtain.. i feel heels are a dragging

yes vj, and other intra group docs....

how long should they take to send me the doc's???

oh i have a date!!.. sorry didnt read properly... its beginning of may

hi guys, no news as yet.. still waiting for them to send the relevant documents...:S

nope quite dall and dark actually lol...

hi bugsy.. hows u, i just clicked email then went to look elsewhere lol...

hi all, i sent letter first class recorded i think on the 6th..... havent had a response to letter, but just checked my messages, and they left one yesterday, didnt say who they were, but i googled number and it was them.... i know not to speak, but if they catch me on phone, i guess i just hang up? and wait for a letter... i just know they are pests, and have hubbys work number, so will no doubt try there maybe?... i did send a letter ages ago, the harrassment one saying not to call him at work...

thankyou BA.... .. guys does this have an effect on my situ at all?

Haaaaaa F*** O** roflllllllll

Ahhhh well bloody done hun !!!!! great great news for the HFO fanclub

still havent heard from this national debt recovery.... does anyone know where i should send the letter i photocopied of them saying they are no longer pursuing debt to please?

feeling a little better DB thanks... just need to grow a pair, and buy a pair of size 9's!.. gonna get some thoughts down on paper..

yeah im back... check email DB..

just wrote some Qs down.. now on my way.,... nervous as hell!