valid even if not read by them, wait for a response

only one default per account

so did you get a Notice of assignment from either motormouth or wageday? if not then wageday are telling porkies

up to you, but it wont hurt any to let it go just in case wageday dont want to play ball, then that way you can tell motormouth that as far as you are concerned by accepting the payment they have accepted the agreement that was/is in place

they dont, they think that by bullying and putting obstcles in the way people will just cave in, stick with the plan and see what wageday say

UPDATE!

2nd letter arrived to say that DCA "Transcom" is now checking with the OC for details/proof of date of debt which is odd seeing as their 1st letter states they already had proof that the debt did not fall under the limitations act...

 

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Make sure you keep both letters safe for future use, nothing like having proof they have lied to you

ignore motormouth finance and deal with the payday loan shark, inform them that you will not del with anybody else and that you wish to come to some arrnagement with them, but will not be paying any of their fines etc.

what was/is the debt in relation to? and if applicable did you ever cca them?

also - they cannot make an "unexpected" visit and they certainly cannot charge you for it

another thing if they are offering discounts then there is obviously something wrong here

all the landlord has to do is send back the letters with not at this address, they are not his debts so they would not affect his credit ratings.

yes phone them up and tell them to stop calling you at work and that you will only deal with them in writting, if they refuse report them to them to the oft, in fact report them anyway

what fees are you talking about? need more details, but in generl these companies should not be charging fees unless they win your PPI claim,

and it is easy to reclaim your own ppi, there is no need to use these sharks anyway

should have put the letter in file 13 and ignored it

why dont you set a debt collector on him?

if this is still in dispute with orange, simply tell morcrap that until the dispute with the oc is satisfied to a reasonable conclusion you aint paying squat to anybody least of all a debt collector, and as for the fantastic offer of reducing the charges (£26.62 - LOL) are they really this stupid, that you would take them up on this

I would simply write to carter and say see you in court and by the way, make sure you have ALL the facts at your disposal, before you proceed.

if your sure it is stat barred just send the stat barred letter and have done with it

Or what I would send is

Dear idiots

In response to your letter dated xxx where you say 'YOUR CONDUCT IN THIS MATTER IS UNACCEPTABLE AND WILL NOT BE TOLERATED' I suggest you look in the mirror and ask yourselves how your CONDUCT IS ACCEPTABLE.

Due to your inability to act in a reasonable manner, my payments will now be £1 per calender month until such time as your paltry charges are stopped and any charges so far implemented are refunded, I also demand that all interest is stopped forthwith.

On acceding to these demands I will enter into normal negotiations towards settleing this outstanding debt in a reasonable amont of time, failure to accede to these demands obviously will show your company in its true light, and I will look forward to reporting you to the relevant authorities to point out your obvious and total disregard for paople in difficuties who are trying thier damndest to clear any debts they may have.

So in parting either grow up or shut up.

dont forget you can claim the charges for letters etc back, wait for Brigs letter then proceed with his good advice

and did they give a reason why it did not fall under the limitations act? or are they just saying this in the hope you pay them something

always get my cprs mixed up DOH

hope their staff in twickers dont have any debts that they will soon find hard to pay, due to lifes unexpected suprises, could be that there mate on the next threat desk is suddenly not their mate anymore - LOL

like it. will be interesting to see what response you get, maybe its time to involve the press or some other organisation that would highlight how useless this system is

you offered they refused a judge would look unkindly at them for refusing a reasonable offer, so court is a long way off, these are just the usual threats

have you sent them a cca request yet? are there any chrges and/or ppi that you can reclaim

OK acknowldge on line and defend all, send the climents solicitor a cpr31.15 (i believe) request and demand all the info mentioned in the particulars of claim (POC)

ie

the default notice

send this to drydens

in the meantime sar sygma for all statements etc for this account, lets see if any ppi or charges can be claimed back

take time to read other threads about going to court so you have an understanding of what is occuring, once you acknowledge and defend all you have 28 days to submit a defence so you wont have time to get the info back from the sar, but this could be used for a counter claim

part of your defence unless I am totally wrong here could be how can a company provide 2 cards to the same person if due diligence was not carried out, assuming this is the second card she had

Recieved O/H agreement from MBNA, noticed that although she was unemployed at the time, she ticked PPI and they did not inform her tht it was worthless if she was unemployed, so claim submitted today.

Will let you know how it goes