ok a ressurection from the dead.... after putting my account in dispute with them they have handed it to marlin financial so i asked for the same info and heard nothing (that was months ago) now have recieved some printed paperwork, no signature and a copy of a contract (just the usual blurb that they send), i have rang marlin and asked them when this account was put in default and they say april 2009 yet my credit report shows i actually defaulted a while before that, ive still said that im not acknowledging the debt as i am sure this should be statute barred, however, barclaycard are showing the amount as satisfied and now marlin is on my credit record showing as delinquent and they are trying to say i defaulted in july 14.... i have never acknowledged this debt nor agreed to any signing of it or any new contract, so how can barclaycard show as satisfied but marlin the full amount?? any ideas? thanks in advance

well had my interview, no idea how it went, the person who phoned up has basically said that im making an income from selling drugs (not true), amazingly the phone call they recieved comes a week after a massive facebook think with an ex (not my starting) which resulted in her new boyfriend coming on my doorstep threatening to 'gut me like a fish'........... he didnt even check my bank statements but did keep the list of items id sold since august, he asked if my bank balance had ever gone over 6k which it hasnt and i showed him my paypal account and all the gambling with which he was satisfied that i wasnt running a business........ he did say that he didnt know what the outcome would be and that he has to send it off for chippenham to make the decision but he hopes that will be the last of it.

yeah i failed my atos because i wasnt rocking backwards and forwards in my chair talking to myself....... and the fact i can go in a shop and buy food.... (when in fact its become a part of my routine where i will go there after the school run then after the school run and walk around in circles..) well im still worried although doing research on the net, complaince team is kind of the lowest level so i can gather, i just hope they believe me with the info i give them as its down to the person whether they see you as guilty or not, so if they had a bad morning then im in for a rough ride

Did they request that far back specifically?

but how many bank statements must i provide as it doesnt say on the letter, im thinking 3 months??

Thanks tomtom, I did ring and he said someone had phoned up stating that I have 'money coming in', well I won't from now on as I've sold most of my kit... I am able.to supply companies and people who have bought the items from me so that's no issue.... As for the difference between cont an income based I never thought it would be an issue if its my own personal belongings, guess I'll find out on Thurs..... :-/

I'm.now on income based... Was.contribution for the year then it changed... Would that make a difference in me.selling my own personal items?

anyone?? is this under caution? would it state it is under caution on the letter?

from the one claim i was referring to i got back roughly 3.6k back in april 12... i had another 2 k a few months before that from halifax but that was through a company, i was working full time as well back then, coming out of work briefly in june then again in sept and getting signed off! on my bank statements its clear i have a gambling problem as that is most of what my transactions are and it states the companies

hi there peeps, been a long time since i have posted on CAG!! well to put a long story short, ive been on esa for a year now due to depression and i am awaiting my tribunal for a rejected ATOS interview..... a lot has gone on over the years and its why im in the state im in now! Over the past year, and shortly before I got signed off with depression I started to gamble online, at first it wasnt much and i made back so at least i broke even..... but it got worse, the amounts stayed the same, the frequency however got more and more and to cover my losses and make sure i didnt fall behind with rent etc. etc. i started to sell off my DJ and Studio equipment, a lot of high valued items, the money i had been putting back into my bank which to top up my account to where it was before and so i could cover my bills/rent etc.. etc... basically someone has phoned the dwp saying i have a source of income and ive been called in for a compliance interview and asked for my bank statements, they have not said how many to take. thing is i have sold to acquantances ive met in the circle of music i have been a part of and been given cash, i also save up my rent cheques until the last week of the month to make sure i dont gamble them away (i am recieving help for the gambling now) and i am finding it hard to differentiate what i have sold with my rent cheques....... also back in april 2012 i won back some ppi insurance from my bank, i was working at the time and took out 2k and gave it to a relative to put safely aside and towards a rather big holiday for my son (who has been through hell and essentially lost contact with his mother - hes only7) to try and make good of his childhood after all the grief he has been through. To make sure i did not take this money and gamble it down the tubes i decided to make the holiday this year, i paid half and my dad has paid half, this went into my bank ac and straight out again... can i get in trouble for not saying i had this money set aside for this holiday. im at my wits end, im even thinking of coming off esa and back onto jobseekers as im doing myself no good just vegetating during the school hours and once lil man is in bed and hence the gambling came in...... any help would be appreciated

Ive had a few ppi claims that i claimed myself and done very favourably out of, im now getting the phone calls every day! I accidently answered one and the 'information service' lady put me over to a specialist who tried telling me that it is now illegal to claim PPI yourself..... MMMMMM smell a rat there, allegedly it was on the bbc and everything and i still have thousands owed to me, although they cant tell me who owes me.... So it seems that these companies are getting desperate, especially now people know they can do it themselves and keep all the money. Dirty trick really isnt it! Jamie

Hi guys and girls, hope you are well!!Well Im in a very difficult situation.In short.....I work full time, 60 miles away from home. I have a big unsecured debt with Natwest, standing at just under 8k and im paying £245 pm......I also have loads of dca's etc. etc. and one county court judgement.Basically im in a position where i have had to take custody of my 5 year old son for the forseeable future.Whilst arrangements are fine at the moment, i need to get back home as getting home at 7pm every night is not good and if there were to be an emergency with my son, i am a good hour and a half away.....So.... I cannot get my work transfered closer to home as there is no vacancies, this also means that im going to find it incredibly difficult to find another job due to if i get an interview, i need to take the whole day or half a day off work which isnt easy....Ive accepted the fact that i am going to have to quit my job and sign on for the first time in 17 years to enable me to find a local job, but that in turn will make my problems with my debt worse... any ideas?? as im feeling pretty lost at the moment!James

thanks lee, yeah ill do that, i accidently got sucked into thinking data was cheap and used the internet for a month on my phone, when my bill came, data charges were £5 something, then at the end of month 2 of my internet bazarr, i had a whopping bill for 272, then the third month of 300 odd, then the excessively high disconnection fee as i had no hope in hell of paying.ill do my best with the info that i can remember, bearing in mind ive moved a few times since.

Hi guys, been a long time ago since i posted re acs;bore..... but i kind of have a situation i need advice on now!I had been getting letters from Arrow Global for a while but buried my head in the sand and ignored them (not the right thing to do).About a week ago i got a courts summons from Northampton (The Bulk Centre).They want the sum of £1426.92, i cant remember what this debt is for but i suspect vodafone when i ran up some huge data bills due to the unclear charging at the time and subsequent disconnection.The summons was dated 29/7/11, so what steps do i need to do and what forms do i need to come back at them as i cannot afford the amount they are wanting nor am i clear what its actually for!Thanks in advanceJamie

there is a helluva lot of info on that file, im downloading it now from a well known torrent site, its 365mb ffs. and some of the comments from what has been found in there is funny as anything, personal emails from him to his ex wife etc... replies, names etc... some real breach of data protection there, so.... if my fathers file is in amongst that lot, can i sue him under data protection?? regards wonkyfunk303

Surely he's broken the data protection act, well more than council have?? Get the emails threatening you, print em and notify the police. Least then your covered, would also chech with the cab to see if the council have broken any rules also.... Good luck!!

Well I sent my Lod by recorded post months ago, not heard anything back at all. Even phoned them to make sure they got it! I think it was about April/may I sent it!

well said andy, especially the last line!

That's cool! No probs! As for the wifi, it's not a legal obligation to have a secure wireless connection, but it sure helps keeping these pathetic vultures away! It's a legal way to extort money, or attempt to! Well I'm over my 21days, sent later from day 2, not heard anything.....

1. Yes it sure is and torrent programs always throw random numbers in so yes. 2. Not to my knowledge, after all if you've been hacked it's not your fault. However if you get another letter with a questionnaire, don't fill it out, just send another letter of denial and maybe put a note in there about taking sanctions to get them to stop harrasing you.

hi all well ive sent the letter of denial and i contacted their office to ask if they had recieved it. didnt go into conversation about it to them on the phone just asked if they had recieved it, ok they had and i put the phone down on them. not heard owt since. ( was 2 - 3 weeks ago) All the new peeps on this, please dont worry, dont pay em feck all and more importantly, dont ignore the first letter. simply send a letter very basic,for example: i didnt do it and provide me with all the evidence you say you hold in case it did go to court so i could be suitably represented. simples. these jokers make my blood boil and i can see how this is an easy money maker for them as the first instict is fear. bloody damn predators.

Yeah that's what I thought and was the reason I gave to bt for my complaint and kick out the door! I've sent the denial letter, reported to T.S and the sra, they have a dedicated form to use for acs which I found amusing. She almost fell over when I said how much they wanted as she had one earlier that day that was less than half they wanted from my dad and she thought that was steep! Well let's hope this ongoing saga ends soon with the demise of acs!

Ok so my dad got one of these through today............ although it is not him they should be chasing........ got the letter of claim stating they are acting on behalf of media CAT for 4 films that were allegedly downloaded. bt have given his ip address and information to them. i have 5 pages detailing things 4 of those saying about evidence etc... and the out of court settlement fee of £1200 and the 5th page asking for a signature and the payment and a i wont do it again plee. they have also enclosed a Draft Order (with the draft crossed out) from the High Court of justice @ chancery chambers (lol @ chancery..) so what do i do?? several people use this comp so how can they prove it was my father who allegedly downloaded these films and surely £1200 is a bit steep.......... thanks in advance!¬ wonkyfunk303

i had exactly the same agreement sent through via fredrickson international (the egg card agreement) so one would presume that the above letter would apply in the case of me sending it to them, just one thing, im sending to a dca (fredrickson international) and excuse me for being think, what would i need to amend in order to send the above... (if that makes sense!) regards james

thanks again silverfox, you are an invaluable wealth of knowledge to this site!