Sorry to be a Dim Wit but where do i locate the SB Letter?

No it was just the credit agreement. I did ask as below from my email. They were very quick in their response to me. "you must now provide 1. Clients name 2. Notice of assignment 3. Signed copy of credit agreement 4. Date of Default 5. Statements of any charges applied and also payments made You have 13 days for the above information to be provided Under the GDPR data protection and freedom of information i formally request you send me all the information you have on file for me. As you claim you are working for a client i want the same information from the client. You have 1 month to do this. Please do not respond to this email other than to advise receipt. Please communicate in writing"

Thanks Dx & fkofilee i will do just that as i can confirm i have never paid them at all. They were all hard, abusive & threatening then just vanished until they re-appeared under a new name just over a week ago So do you think they are just trying it on to try to get me to pay something, then the status of the debt would change making it all live again? I will update you of the response. I will go find your SB template

Hi Fkofilee. Thanks for your very quick reply. Here is the info from the letter. Look bad but its where I was in 2012-Jan 2014. They are all linked under one account with this Lantern 1. WageDayAdvance Loan date 16-04-13 Due 10-05-13 Default 10-05-13 Amount £100 2. Mr Lender Loan date 12-03-13 Due 22-05-15 Default 22-05-3 Amount £150 3. Swift Sterling Loan date 21-02-13 Due 21-03-13 Default 21-03-13 Amount £780 4. Lending Stream Loan Date 28-03-13 Due 22-04-13 Default 09-07-13 Amount £135 5. Cheque Centre Loan date 21-12-2013 Due 20-01-14 Default 20-01-14 Amount £1000.00 6. CFO Lending Loan Date 30-04-13 Due 20-05-13 Default 29-07-13 Amount £400.oo Also DX thanks for putting it in the right place. MMF yes that’s it, Brought back bad memories straight away. Used to get a phone call from someone called Mike who claimed he was on his way to my house unless I paid up now. He never came tough If you need anything else pls let me know

Hi Guys I am after a bit of advice. Back end of week before last I got an email out of the blue from a company called Lantern giving me a reference number and claiming I owed them £2977.63 and that they had been attempting to contact me without success. If I do not reply within 7 days they would refer this case to QDR Solicitors for recovery. I have never heard of them certainly no letters. I checked my emails and nothing came up in a search either. SI may have made a mistake and replied stating who are you prove that I owe you the money within 13days and default date of this account. I then also asked for all the info they have on me under GDPR. Also stated that all communication to be in writing. I got a written acknowledgement back by post t hen yesterday a thick letter. Listing 6 separate loans with different company’s ranging from 100 to 1000. Also included were credit agreements. This company seem to be a buyer of debt. Note all of the default dates are from March 2013 to the newest July 2013. To be honest in 2013 I was in a real Payday and credit cycle and walked away from some. Had debt chasers after me etc but I could not pay at the time. Some of the lenders got into trouble and ended up refund. There was one company chasing me for ages but I believe they got into trouble for severe bullying and harassment and they simply went dead. Is this them coming back to haunt me but in a different name? Any thoughts of advice would be great full

Hi map link as below. Looks pretty clear doesn't it. So it is pay up time. Thanks for the advise given. https://www.google.co.uk/maps/@51.8400216,-2.1802523,3a,75y,160.19h,97.5t/data=!3m6!1e1!3m4!1sTADuOwzXHY0CNTu76zrNbg!2e0!7i13312!8i6656

ok thanks that's all we are after but are there any clear guidelines on how roads should be marked and also how the images should be presented, On the 1st image charge the car is a fair distance away on a bend and not facing the camera then the number plate shot must be a second picture.

yes it would appear so

Hi Just after a bit of advice really. My wife had two fixed penalty notices came through today for an offence on 8th August. She was in Brockworth, Gloucester with my daughter who was house hunting. They had gotten confused and a bit lost and whilst they did not notice at the time managed to go a short distance up a bus only link road then turn around to come back. The two tickets seem to show this but are one minute apart. Literally one at 13:54 then the other at 13:55. Yes ok but really two penalty charges within one minute surely not. Each charge shows two images both on the left show the number plate. The 13:54 on the second image shows a car approaching but a fair distance away from the camera. On the return run which is the same camera then yes the number plate and the car. At £60 each that’s £120 in one minute, (ok £60 if paid within 14 days) but really can they be that harsh? Any advice please would be grateful.

Hi its been a while since last posted on this thread. In the end i ended up paying for this old bill. I agreed to pay EDF £200 per month for six months to 1. Keep up with current usage under the direct debit scheme 2. Pay the outstanding balance over the 6 months. This was last August. Yesterday i phoned EDF to say ok i have been paying my £200 and the old debt is now clear. I want a reduction in my monthly payment to bring me back down to the idea of paying for the Gas and Electric by direct debit spread over the year. The Girl i spoke to said no as i have a balance of £400 on the account now. Forgive me if i am wrong but i thought the idea of paying by direct debit was to spread the cost out over the year. Ok we have used a lot of gas over the winter but soon the heating will go off and gas usage in the summer is very low so surely it would cover it. The £200 per month is killing me

Thanks spark911 thats pretty much want i was hoping to hear. The letter for the full and final was from irwin. The whole thing gets confusing

I think the questions are 1. should i contact Irwin to find out how much, but it is irrelivant as there are no funds to clear it.. 2. If i do contact them will it look bad as i am communicating out of court 3. If i ignore the letter can they take it further and go back to court

Hi not sure if this is in the right place. But in brief my story, I failed to keep up with my loan and arranged reduced paymnts with the bank after 18 months they said no and set Irwin Mitchell on me who issued ccj proceedings from Northampton. These returned and i had to pay a very high monthly installment I requested a move to local hearing. At the hearing Iwin did not show and the judge set new payment based on my exprendidture report. A few months later Irwin pressed for a charging order. At the court they got it but it canot be enforced unless i default and the court agrees at a hearing. Irwin have made mistakes not sure what i can do. They started the whole ccj proceedings again during the period of the local hearing and the charging order. Also several months after the charging order i had a letter refering to the original northhampton order saying i had not paid any money. when i contacted them they siad they had no knowledge of the referal to local court or eventhe charging order agreement. Two days later i got a letter saying all was ok and i was up to date. Anyway just got a letter stating that natwest are willing to offer a significant reduction to clear it all as a full and final settlement. I thought that once it was through the court that that was it and i had to pay the load in full at the rate set? Can they offer this if so how do they clear the charghing order. I have not spoken to them yet as im not sure if i open negotiation then they can have me on it. There is no money to offer a settlement anyway Thanks in advance

Hi its been a while but i have a reply Basically it says i am liable and that i requested the debt not to be put on the meter, further more i also contacted them in december 2007 asking for a settlement bill (i dont think so but how do you proove it) Also why is the bill dated march 2007 I am to contact them to discuss payment options

found a mistake already. I put "We went to prepay in spring 2009" changed it to "We went to prepay in spring 2007" you have to be so carefull and read and read

Below is a draft of my letter i intend to send. Is it ok or does it need ammending? Regarding above account. On 28th October we changed from pre-payment meter to a standard meter. A month later we received a RED LATE PAYMENT advise for £283.67 this was dated 24th November 2009. As we were up to date with the prepayment meter and had received NO other bill before hand we sent a letter to you on the 30th November. A copy of this letter is attached. The letter requested 3 things. See below “Please provide within twelve days Copies of previous bill dated correctly where the £283.67 was requested. A statement showing the changeover from pre-pay to regular meter showing balance. An explanation of what this is all about?” On the 9th December 2009 We received a gas bill dated 20th March 2007 (franked Exeter 7/12/09) for £283.67, this addresses item 1. Items 2 and 3 are yet to be addressed by yourselves. The 10th December 2009 saw another RED OVERDUE ACCOUNT bill. On the 11th December we decided to call EDF and spoke to Ronna on your helpdesk. The situation was explained and she investigated. The following was the answer. We went to prepay in spring 2009 At the time a debt of £283.67 was in place but was not added to the meter EDF did NOT pursue the debt at any time afterwards Upon returning to std meter the debt has surfaced EDF are now pursuing it. It is our understanding from Industry guidelines that if a bill has not been presented or chased within twelve months then it cannot be presented now. This bill is dated March 2007 and is over two years old as EDF have not pursued it at any stage since it therefore is no longer valid and EDF should not re-present it. We do not believe we owe the money and the bill should be disregarded. Please can EDF reply by return and acknowledge the above to be correct. Awaiting your reply.

Ok been on to EDF and explained. The nice girl i spoke to put me on hold and went back to talk to pre-pay. The respones is this. 1. I had a debt in March 2007 2. We mutually agreed to to pre-pay meter 3. The debt was not loaded to the meter (i thought it was) 4. EDF did not persue it 5. upon changing back it has raised its ugly head again. 6. Now EDF are persuing it. This was the summary. She said under the circumstances they were prepared to set up a repayment plan. I declined quoting the Code as dx pointed out to me. She said she had no ability to waiver the bill and i would need to write to EDF stating the case. The outstanding debt has been put on hold until Jan now so i have no xmas worries as such. I just need to get my letter looking good and acurate and in as fast as possible. I think the letter will need to go recorded.

Cant check any more as the prepay meter has gone and we are now back on a regular meter. I guess somewhere in the change back process the old debt came to light as it were anyway i will phone them in a bit so await a response Mac981

ok dx i will call them in the morning and report back i can confirm since i went on to prepay in 2007(march/Arpil) I have had no bill for the sum above. All i have had has been the letters stating how much we have used on the prepay and how much equiv a day it costs. No mention of outstanding debt. (i thought it was taken off on the meter) When we changed back Oct 2009 we had the red demand within a month. This was the 1st communication of such since 2007 that is what i will state to them. Thanks

Hi got home today and found another nice red demand for the £283.67. I am worried that the gas will be cut off for xmas. anything i can do?

thanks dx. Do you ar anyone know how i go about desputing this?

Hi I need some advise We went on to pre-pay on the gas in 2007, there was a bill outstanding and i thought it was the best thing to do at the time. Things arnt great right now but we came back on the regular meter at the end of october 2009. On 28th Nov got a red overdue letter demanding £283.67 from EDF Confused by this i sent a letter stating that we had just gone from pre-pay to regular meter for less than a month where did the bill come from as the red demand was the 1st communication since the change over. I also asked. (see copy below pasted from letter) " 1. This is the first communication we have had from you since we changed from pre-payment meter during October 2009 to regular meter. We have received no bill. 2. We changed from pre-pay in October 2009. Have we run this up since then?. We were up to date with the meter, we may have just slipped into emergency credit just before the meter was changed. Please provide within twelve days Copies of previous bill dated correctly where the £283.67 was requested. A statement showing the changeover from pre-pay to regular meter showing balance. An explanation of what this is all about? " Now yesterday 9th Dec recieved in an envelope dated 7th Dec on the Frank is a bill This bill is clearly dated March 2007 and is for the £283.67. Nothing else has arrived. I thought that the pre-pay meter allowed for the debt. Between 2007 and now there has been nothing. I am sure i have somewhere some statements during the pre-pay period showing nothing outstanding. What do we do cant afford £283 right now. Any advise of how to deal with this please Thanks Mac981