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PGH7447

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Everything posted by PGH7447

  1. PGH7447
    OK add to your letter back to these fools that any adverse data on your credit files should be removed forthwith, and that failure to do so will result in you taking legal action for recompense for entering untrue adverse data on your credit files. make this an official complaint and address it as such, and give them 7 days to respond
  2. PGH7447
    wasted £10, you only send a SAR to the OC, the debt collector will have nothing worthy of note on you. get in touch with tmobile and query the amount of the final bill and demand a full breakdown. write to the Debt collector (DCA) (dont phone ever) and tell them that you dispute the amount and until such times as tmobile have the decency to submit a full breakdown, they aint getting a penny. Also you tell them what you can afford not the other way round
  3. PGH7447
    if they are offering a discount then something is dodgy with the agreement
  4. PGH7447
    Hi William, I suggest you check your credit files with the CRA's to make sure that this debt does not show, also write back to these muppets and state quite clearly that until they can prove that you are the person they are seeking, and a name is not proof especially if it is at a different address they should put up or shut up, it is not down to you to disprove who you are it is down to them to prove you are the person they are seeking. I take it the agreement was unsigned?
  5. PGH7447
    ignore, the letter probably says, may, could, might - not will, are able to start litigation
  6. PGH7447
    Its because they use an up to date tracing method to track people down, its called the phone book, same name or very similar, so you must be the debtor, report their sorry asses and ignore all future contact
  7. PGH7447
    It will be, also be aware that Ind monitors this forum, so keep things as generic as possible
  8. PGH7447
    Ta
  9. PGH7447
    FYI The Paragon Group of Companies has acquired a portfolio of closed consumer credit card debt from MBNA Europe Bank for £16.1m. http://www.mortgagestrategy.co.uk/latest-news/paragon-acquires-credit-card-debt-from-mbna-for-161m/1057637.article
  10. PGH7447
    hegarty's - but the reply you will get bakc is that this is allocated to the small claims there fore cpr31.x does not apply - this is their usual response, so be prepared to send of the cpr 31.15?, if I could find my thread i would point you to it, but it seems to have disappeared with most other threads relating to this crowd
  11. PGH7447
    normally the sar goes to the OC, but I would sned it to experto seeing has how you have been paying them for 8 years, or just write and demand a statement of account in the first instance,
  12. PGH7447
    first send a sar of to intrium justiicia of whoevr the hell they are now and demand all statements for this alledged debt, secondly send global the phone harrassment letter and inform them that threats over the phone in future will be reported to the OFT, also inform them that you dispute this alledged debt and until such time as the dispute is settled with IJ they can swivel
  13. PGH7447
    ignore it, if they have not specified any debt, this is a phising exercise
  14. PGH7447
    write back and state the SAR request is still outstanding and until such time that they comply they can go jump, also add costs for time and materials that equals their charges also add that you wish to raise an official complaint against them for attempting to carry on collection activites while this debt is in dispute
  15. PGH7447
    for starters stop talking to these people on the phone, everything in writing. Write an official letter of complaint against this guy asking what relevance any item on your drive is to them. in the meantime if you are serious about sorting this debt out then contact the energy supplier and start negotiations, it is amazing what happens (Sometimes) if you go back to the original supplier with an offer
  16. PGH7447
    welcome to the cag - as you can see abuse is not welcom although we all understand how frustrating dealing with DCA's is. First off any monies oaid is pretty well lost I'm afraid PPI can be claimed back and judging from your statement that they refused to payout on it - it is well and truly mis-sold, so sar mbna and get all statements for the period of the loan, and stop any other payments to any dca that pops up. As for the default, who defaulted you? MBNA? or the DCA, if the later then if they did not own the debt they should not have entered a default, so tell them to remove it
  17. PGH7447
    they are now supposed to send out a yearly statement, so this is probably what you have recieved, maybe a good idea to keep it in case they try to up the balance later
  18. PGH7447
    I think you are all being too harsh on these people, I mean they obviously failed at being burger flippers and this is the only recourse for a job they have left, one should pity them not revile them -
  19. PGH7447
    You can still send a sar and demand the breakdown of the repairs and the costs associated, see what they tried to bill you for
  20. PGH7447
    ignore until they have the decency to inform you want they want, but keep all letters they send for future use when you raise an official complaint against them
  21. PGH7447
    I assume you included in your complaint that the reason no payments have been made is that ltsb and the dca's have played pass the parcel and that trying to set up a payment plan that you can keep to is nigh on impossible.
  22. PGH7447
    They should be made to fund the cost up front on a non refund basis, before they issue the stat demand, that would curtail their little [problem]
  23. PGH7447
    Did they ever give you a breakdown of the costs for these "Repairs" because £1200 for stone chips is to put it mildly "extortion"
  24. PGH7447
    inform the CRA's that this entry is incorrect and you want it removed, also put a notice of correction on it
  25. PGH7447
    send the stat barred letter, and let them prove otherwise, but beware the "phantom" payment [problem]

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