thanks

just spoke to my bank this morning is it right that they carry on adding charges untill this court case

thanks all for your information.how would a claim form be written out. thanks all

hi can anyone help please. I cancelled a standing order with a company and they carried on taking the money and as i dont use the account with nationwide anymore there was no money in there.i no now i should of cancelled with the bank and thats what they keep saying.after 9-10 months i get a phone call saying im overdrawn and theres nothing they can do i have to pay it back even tho its all charges.i feel like im being robbed by them as ive never had the money.is there anything i can do at this stage as i have not paid a penny. thanks

just racieved letter of brian carter stating they have been instructed to close the file after sending them that letter.im over the moon.does this mean i can have the default taken of my experian? thanks you guys for all your help.

thanks.

is there anything i can do untill it gets stat barred in 7 months. thanks

hi. i defaulted on a current account about the same time,does the same apply that i might get out of it because of the agrement when they come chasing me coz no doubt they will.

thankyou all much appreciated

yes it has an account number and im not sure as ive never made no contact with them.

does the prove it letter have to be written out a certain way?

thanyou.

it was only a friend who has had dealings with the same 2 companies and ended up paying it.he said im running out of time they will start court proceedings verty soon

i was told when the letters arrive with brian carters letter head from fredricksons they are going 2 start court proceedings if i dont contact them.ive had a default on my credit file for 5years plus now and being so close 2 having it statue barred i dont want a ccj.

sorry its hasnt been 6 years yet about 5years 6 months.thankyou anyway.can they start court proceedings if they cant contact me?

please some 1 help ive been told time might be running out.anything! thanks

i have never paid a penny nor made contact with them.its been well over 5 years now.

i have never paid them a penny nor made contact with them

hi,shall i just carry on ignoring them?ive got my girlfriend to ring fredricksons and say i no longer live here,has that done me any favours? thanks

hi sorry didnt understand the end

i have never acknowleded it i have just ignored them but now they have found me at my new address.the debt is a cap1 credit card but fredricksons are also wanting money for a current account i defaulted on.

can any one help! just recieved a letter from brian carter and co which says, we are instructed in relation to recovery of this debt. payment must be made in full within sevan days failing which we have instructions to issue proceedings for recovery without further notice.shoud proceedings be issued,additional charges will be added to the existing balance as shown below. If u dispute liability for this debt please state your resons in writing and supply us with documents in support of your defence to any claim.if u fail to notify us of any potential dispute prior to issue of proceedings and you subsequently file a defence to any claim we reserve the right to show this letter to the desrict judge or sheriff and request an order tat you pay the costs of the action. to prevent further action being taken please telephone fredrickson internional within the next 7 days with your payment proposals. I have never spoke to them or replied to any of there letters.my girlfreind has rang them today to say i no longer live here, was this the right thing to do?the debt is over 5 years old and i was hoping i was going to make the 6 year mark. can anyone please help me. thankyou