mitsi59
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Everything posted by mitsi59
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here link where i posted cca http://www.consumeractiongroup.co.uk/forum/showthread.php?429523-dlc-ruthbridge-chasing-very-old-%A315k-mbna-debt-help-with-CCA-checking-please&p=4608035#post4608035
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what i have recieved looks like an application
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hi could someone direct me somewhere on here or advice me on what i should be looking for in a CCA once i have recieved it tis an old Mbna debt from 2005 with Direct legal & collections, card taken out in 1999, i have tryed searching the forum, bit bit confussed.
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yes i have, thanks for your support!!!!
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hi lovely people i sent a CCa request on 21/04/14 to Lowells for MBNA old debt from 2005, i have been paying token payments since 2005. i havent had a reply back to CCA request and have recieved a letter from Hamptons legal re-payment options. i have suspended payments since, but while going through the paperwork, i have noticed the a/c number on all their correspondence over the years does not match the account number in question. should i querry this with them?
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hi all update on orange debt with moorcroft in reponse to my request for a/c breakdown to moorcroft, they have replied back saying, that they have been in contact with EE 'formerly Orange' and Orange are unable to supply copy bills for this a/c as it is over 18 months old, in the meantime they have put the a/c on hold untill 4/10/14. how are they goin to manifest the bills for this a/c?
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could someone please advice me on what i should be looking for on the CCA & T&C's they have sent me or what my next step you be
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i believe there were discount letters in the early days, not seen one for a long time, i dont know why it got sold on maybe because there is no equity or he couldnt keep up the payments a nd was only able to offer a small token offer of payment, not sure bout ppi as dont have info according to one statment i have for 2005 late fee £25.00 overlimit fee £25.00 interest charged £212.22 the a/c was sold to DLC on the middle of 2005
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token payments of £5 pcm for 2004, £3.00 pcm for 2005 and £1.00 pcm on wards to date i dont know when the debt was sold on, but payments have been made to Dlc for a long time and recently ruthbrigde i guess i wont know any more untill i get any paperwork back for MBNA who i have SAR sorry to be vague, but i dont have a lot of paper trail, apart from letters from DCA stating a figure of how much is owed
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this a credit card which was taken out approx in 1999, which fell into arreas from approx 2003-2004 with a debt approx £15,000- been paying token payments from 2004 onwards i only have about 2 statments for this acc for 2005 as there are a few debts, i dont have all the statements - so im not sure which ones have a PPI on them have SAR them and awainting info back i have noticed on the the information that DLC have sent me on this a/c, which i have uploaded, the PPI box is ticked The property was sold approx in 2001, there is no available equity these are partners old debts, as he is sick, i have had to take over and deal with them myself
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why do the dca always back date their letters? i recieved their response on the 3rd sept, but letter dated 28th August, they are saying they have completed their obligation under the CCA act, and to contact them within 14 days to discuss payment options, someone advice me please!!
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any advice lovely people!!!
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sorry for delay had trouble converting and uploading
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hi i have recieved a reply back for my CCA request from Direct Legal Collections, they are stating they have sent us an original copy of they agreement, with T & C attatched, please could someone on her direct me where i can find info on this forum or what i should be looking for in the agreement thanks
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hi sorry the CCA was sent on the 21.7.14, so should i ignore any letters? thanks
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Apex have failed to supply me with my CCA request, which was sent on the 21.08.14. i have recieved one of their letters on saturday requesting payment, as i have stopped any payments, do i ignore it or send a letter "you failed to supply me CCA request, a/c in dispute letter thankyou
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hi i would like to SAR this old orange account, as i orange are known as EE. which would be the correct address to send the SAR thanks
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thanks dx
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this is what i am sending to the banks, that i have debts with, the template was found on the web i intended to use your anti tamper image and sign over it, so there are no delays or do you surgest i leave out the signiture thanks {REMOVED] - dx
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re CCA request - i didnt think they could pass the debt onto another dbc while in dispute and who the hell are Prime Credit 1 S.a.r.l thanks
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thanyou for your reply!!! i have stopped payments done a credit check there is a halifax current account -it says started 11/4/97 zero balance, updated on 1/6/14 credit limit history 05/50 credit limit £850.... ..does this mean the account is still active? otherwise status is all zero's on it. i have also come accross an old letter from halifax dating back to the start of the debt 9 years ago, which they say "under the terms & conditions of your account, it has been necessary to cancel your credit card repayments cover policy" is this a ppi finally i would like to do a SAR to Halifax, there are two credit cards with Halifax, other one posted elsewhere on this site, who do i make the postal order to? does it need to be crossed? do i send it recorded delivery or signed for? is this the address card services Pitreave Business Park Dunfermline FiFE KY99 4BS as well as looking after my huband, i have ended up on anti-depressents as everything has got on top of me and having a difficult time coping with everything!! once again thanks for you kind help
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hi all i sent a CCA request to Apex credit managment on the 21.7.14, this is the reply i got today, am a little bit confused what to do next hi this is an old debt for halifax credit card, of approx £8,500 dating back to 2005 which my husband has been paying a token payment of £1.00 for the last 9 years
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Bank of Scotland/ Cabot/Drydensfairfax solicitors
mitsi59 replied to mitsi59's topic in Halifax Bank and Bank of Scotland
uh!!! lol is question bout the skirts or yes Drydensfairfax are saying they are acting for their client Cabot -
DX is there an example of a sample or template letter on this site i could use a guidence
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Bank of Scotland/ Cabot/Drydensfairfax solicitors
mitsi59 replied to mitsi59's topic in Halifax Bank and Bank of Scotland
ok i will send Drydensfairfax a letter and send a copy to Cabot, is there a sample letter/ template to send to Drydensfairfax
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