Where's Casper (the friendly ghost) tonight?? I prefer reading his comments than the plain argumentative dribble coming from theghost (the not so friendly ghost i may add) Sorry if i have caused offence with this but as usuall you seem to have completely hijacked the thread and after reading the whole thing twice im none the wiser so at this point i feel sorry for vtr80 who i imagine came on for guidance and left with 1 hell of a blood y headache and a feeling of being forgotten!!

What are your statements saying the balance is at?

If the Brig thinks its valid then chances are it is! after re-reading it it seems to have all the prescribed terms included Your also lightyears away from it being statute barred so you should look at reclaiming as much as possible against this debt even if only to reduce it somewhat. Their current charges are £16 per charge, overlimt - late payment - returned payment, as opposed to the £20 per charge you were tied into with yours. The PPI is probably a definte on the card so start reclaiming and listing the charges to see what you can reclaim. Good luck

That looks like an application for a card not an actual agreement (i may be wrong), beware Red / Lowell / Hamptons or whatever name they try and use to scare people as they more often than not try to represent themselves as being in a far better position than they really are. Lowell are notorius for buying debt in bulk for pennies in the pound on their real value but at the same time are equally well known their lacking of due dilligence and for not checking to see if the debts they buy are genuine, accurate, enforceable or even belonging to the actual person they are chasing. Once they own a debt begins the fishing expedition of junk mailing everybody with the same name till someone responds. They are relentless and use progressively agressive techniquies to extract as much money as they possibly can. I must say im not sure if what they have sent to you is indeed a valid CCA or not, if it is then you need to look at damage limitation. Firstly as you have statements you need to carefully go through them and make a list of all charges they have made to the account and were you missold PPI? Which if so you should look at reclaiming and interest on it. At the very least it could lead to decent reduction in this figure!!

I think a number of DCA's use similar tactics, many years ago after being contacted by three different DCA's regardings 2 diferent debts and explaining to them that i couldn't match their payment demands i received unsolicited letters from many of the so called "low acceptance critera" companies offering loans. I think they pass on your details to them in the hope that you are so worried by them chasing you that you will mindlessly take out one of these loans to pay them with.

Yes indeed a little harsh to say the least, what gets me with these clowns is that not only are they advertising paid for debt help (presumably for people with debt problems) but on the same site they are advertising loans and credit card applications!! http://moneysolvers.financial.officelive.com/contactus.aspx It may be just me and i dont know for sure if they own all the companies on their "Contact Us" page but is that not just trying to tempt people who can ill afford it to put themselves deeper in debt?

at the exact same address as best solutions; Devonshire Court, 20 Newmarket Street, Skipton, North Yorkshire. BD23 2HR are a company called Money Solvers LTD http://moneysolvers.financial.officelive.com/default.aspx Dont know if they are linked but they share an address so i guess its possible

It seems strange that you would be considering the use of delay tactics here. If as you say the debt is not yours why then would you consider stalling to reach statute barred status? Imho i would not delay as i would want this corrected immediately. As for them asking you to phone them to give further information, is the onus not on them to prove you do owe it rather than you supplying them with why you dont?

Oh i see, thank you for educating me to this. I will bear this in mind for the future

it appears to have auto edited my post to read the article change [problem] for..... sc am .....without the space in it as the word wont come up unedited!!

Although not identical this does have similarities to another "court" threat [problem] carried out in America by a DCA of all people. Again the fear of court has had people paying the [problem]mers. http://www.bankruptcylawnetwork.com/debt-collector-[problem]-reaches-new-low-the-unicredit-bogus-courtroom-[problem]/

in england

I dont know about minimum but i had one registered against me nearly 6 years ago for a debt of only £178

Indeed, sorry for the slight omission there VJ!

Wholeheartedly agree here, Lets put it this way if these guys: DonkeyB BRIGADIER2JCS coledog & hillards were offering me advice you can be damned sure i'd be listening, and very carefully too!

http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent is this the one?

About right i reckon and i couldnt resist adding to it once i saw this desk! Dunno how to enlarge it or make it appear without a link though! Any ideas what the THREAT 'O' MATIC looks like?! lol

Firstly well done for having the sense to not speak to them direct. Just ignore this introducing lowlifes rubbish for now as ims previously said you will recieve more letters soon enough as when you dont reply to this letter from "portfolio" they will simply hand it to the drone beside them "financial" and if you then ignore this one they will pass it to the next drone "hamptons legal" and so on finally ending with "red debt collections" who appear to be the last desk in line in their wonderfully thought out "4 step process of harrassment". This at times can be to a debtors advantage as it is quite a time consuming process and if its close to being staute barred the clock is always ticking away! Sadly the reclaiming of bank charges is now not possible outside of finacial hardship claims. If lowlifes have purchased this debt from natwest then they are allowed to make searches of your credit report and most likely they will relist the default in their own name at some point. As a side note they will do many searches of your credit report over short periods of time then wait a short while and begin the cycle again. I had the exact thing happen with me and in a 4 month period i had 25 searches listed on my report with only 1 of them not being lowlifes. I have a couple of questions, 1) How long ago did you open the account that the overdraft was on? 2) Have you made any acknowledgement of this debt since the default be it written / verbally or by having made a payment 3) Have you since moved your banking to another group outside of RBS? The reason i ask (1) is because natwest are not the best at keeping records or being able to provide you with them despite the fact that if you CCA them they will make an attempt to fob you off with a reconstructed agreement while they will tell you it meets all requirements of enforceability and that you must now pay the money owed im afraid quite often it doesnt and even the DCA's know this. If natwest do contact you with one of these then ignore them as it would appear that they either do not contact the DCA's with it as they will keep sending you updates saying they are waiting for the information from the OC long after the constructed agreement has been sent to you. I have had this and eventually the DCA wrote saying that the OC cannot provide the documentation requested due to the length of time since the account was opened and they are closing the account and writing off the balance but issuing 1 final threat as a parting shot, it went along the lines of "if the info becomes available in the future we'll be back"

Any update with this?

I thought the claiming back of bank charges was off the table now?

lol your preaching to the choir! i was thinking as a treat for all those "hard working" (otherwise known as annoying) DCA drones we could organise a fancy dress party for them where we could all chip in and get them all kitted out with pinata costumes, then as organisers we could all attend with big sticks....... well im sure you can see where im heading with that idea!

sorry IMS didnt spot your post till after posting myself

By making a payment you have started the clock ticking again so it appears the possibility of statute barred status being of help here is slim. Red are just the next desk along from lowell. so dont let that frighten you as they have no more power than lowell despite the forcefull letters sent. Lowell portfolio Lowell financial Red debt collections & Hamptons legal are all the same company If you can post up more details like, who is the original creditor status of account - default type of account - overdraft amount owing date of default date of last payment date of last acknowledgement of debt have you recieved a notice of assignment from lowell the more information you can give the better the help can be given

I know probably not the right place but thought it worth a little look, lowlifes proudly display the badge of the Credit Services Association (CSA) on their paperwork and website. Here is the code of conduct they have subscribed to, CSA Code of Practice 2009.pdf Can anyone spot their failings?!!!