next time they ring say in writing and put the phone down, and you can also block their number, also send the phone harrassment letter from the library any ppi on the credit card that can be claimed back

when was the default applied? if it is a valid default it will remain on your CRA file for 6 years regardless of whether you pay the debt or not, also did lloyds send you a notice of assignment regarding passing this debt to westcrap

write back and ask for the account number of the phantom payment, and or cheque number, where paid in, etc etc

lol

me thinks a complaint to the OFT about them adding a £500 charge for late payment, I am sure they would be more than interested in this [problem]

just send the stat barred letter, and dont worry about the signature, if stat barred then nothing matters anyway

if you are sure it is stat barred then send that letter, if unsure wait for further info from equidunce, I mean I belive you owe me money, so pay up

No I stopped that action, it was just confusing the issue with robinson and idiots ltd, in the end I recieved PPI fro cap1 for another issue which far in away exceeded my expectations. so in the end I only repaid what they had already given me

Cheque recieved today - - they said that they had not been informed by their outsource partner that costs had been awarded - seems that robinson and ind dont even talk to each other, , maybe robinson will soon see that IND aint that clever after all, and ditch them. anyway all done and dusted with this lot now and so glad that I managed to make a small dent in their profits

Try Dear IGOR You really DONT want to VISIT me at my home as this will be a DOORSTEP you WONT be ABLE TO COLLECT. I STRONGLY suggest you recheck your INTRAY for my letter sent RECORDED Until then I STRONGLY SUGGEST you rethink how you WORD your letters.

Yep thats fine, remember no agreement no debt simples

No to both questions, but its nice to wind them up

Nothing you can do, they only heaer/read what they want to hear/read - send one last letter with your offer and then add at the bottom that any further letters sent by you will incur a £25 charge for materials and time, payable within 14 days. then watch them throw their teddy in the corner

I would simply write to MCS and state that has there is no agreement (according to the info recieved via the SAR and CCA requests) for this alledged loan and/or debt then there is nothing to pay, and until such time as an agreement is provided you will be paying nothing further and that any attempts at further attempts to collect will be viewed as harrassment and reported to the relevant authorities as such.

Just tell them to take a hike, it is you who decides what to repay not those fools

Do you really want an answer to that question:razz:

who did he sar? hsbc or MCS, if MCS then sar HSBC and demand all statements for all accounts they merged this will then show any ppi and charges made

try noodle, its free

usual crap template letter from these fools, who always claim to be working for their client when in fact they have bought it, totally misleading, report their sorry asses

check your cra records to make sure that these idiots havent attempted to add a default and if your are positive that it is stat barred then send robinsc*m the stat barred letter

set a debt collector on him - lol

yes they like to claim they are working for their client when in fact they have bought the debt for peanuts, time they changed their pathetic template letters to reflect the truth, oops they wouldnt know the truth if it hit them in the face with a wet kipper

I offered £10 a month 4 years ago, and I am still waiting, they keep writing and saying please make an offer, I now reply when I can be bothered that is, to see the letter dated xx/xx/xx then they go quiet for another 6 months or so

they have no rights to your detials either, you tell them what you will pay you do not let them dictate what that amount is, simply write back and state Dear Fools I am offering £x amount per month by standing order. Please submit to me your bank detials and I will arrange this payment, if you intend to refuse this amount then I strongly suggest that you arrange court action and we will let a judge decide how much I can afford to pay you.

in addition, always pay your priority bills befire any credit cards, unsecured loans -