Hi - thanks for the quick reply. Would I be able to scan a copy of the claim form in and post it on the link you have provided as it gives most of the info there, ie date of issue etc. To be honest I cannot remember receiving anything from them regarding this debt and if I did I would've chucked it away as I know what scaremongers they are and I will not be bullied or intimated into anything, and as soon as you make contact that its they have you and will not stop. The debt they wrote off was about 8 years ago and for another alleged debt they said I owed but I used the advice from your forum which got them to write the £2000 off, just proving how valuable you advice is. Also just a thought, the documents are addressed to TONY xxxxxxxx but full name is ANTONIO as is all id etc. Does that make any difference as they have the name wrong, although hubby is called Tony by friends and family. Sharon

Hi - I have just received in the post a claim form from County Court Business Centre issued on 13/08/15 for an alleged debt for Shop Direct from Lowell Portfolio. The form has no official stamp and does not have a signature only a typed name IAN MARSDEN which it says is the claimants solicitor, who are Brian Carter Solicitors. Is this form genuine? I have never received any proof of this debt. I have just tried the contact number 0300 123 1056 and it just rings (its Saturday). There is something on the form that says I should go online to moneyclaim.gov.uk and it also gives me a password. HELP!!! Sharon PS : FYI you helped me out with a Lowell claim quite a few years ago and they wrote back to say that they would be writing off the alleged debt of +/-£2000, so your advice most definitely does work!!!

Thanks - will keep you posted on progress. I think the biggest saving you helped me get was from Lowell they were chasing a debt of £2000+ (which was only due to charges and interest but was quite a few years ago), I used your letter asking for original copy of agreement which they did not have so wrote back to say it would be written off!!! Sharon

Thats brilliant news. I cannot find the Cap1 forum would you be able to send me the link. I did find one and it was about not sending a signature. Also there was a link in the forum to the Consumer Credit Act 1974 Post-contract information requirements, and on page 20 5.3 it says: Section 86F of the 1974 Act as inserted by section 13 of the 2006 Act 5.3 The creditor may not charge interest in connection with a default sum before the 29th day after the day on which the default sum notice was given to the debtor. In addition, such interest must be simple interest, and may not be compounded Consumer Credit Act 1974 Post-contract information requirements. Does this mean that they cannot charge interest if they have put a charge of £12 for over limit charges? I am sure they do charge interest and its also one of the reason that the minimum payment due escalates is due to the charges and the interest increasing every month. I paid late a couple of months which was when the charges started therefore my payment of £40 each month did not meet the minimum amount due, it was not due to spending only their charges. Sharon

Hi - here's hoping!!! I have a current account with Barclays bank (BB) which has an £2000+ overdraft which is always being used to the limit. It only gets reduced for a couple of days when we get paid. What is happening now with their new charges for every day the account is in overdraft is that my monthly fee has more or less doubled. I just used to pay interest on the OD which was about £40 now its around £80/90, which I feel is very unfair. I did contact them to ask about a refund (as you previous helped be get the charges back, saying that I felt it was unfair and did not cost them that much) but now they are saying they cannot. I know the only solution is to not have an OD but unfortunately that is not going to happen for a very very long time or if I win the lottery. Any advice on this. Kind regards Sharon

Hi are liability orders for council tax statute barred. I am fight one from 2005 and 2007. Brilliant site keep up the good work you have been amazing giving me advice over the years that has actually worked - have managed to save thousands!! Best regards Sharon

Hi a returning customer as you have helped me before. Brilliant website. We have a card with Capital One and have been making regular payments of £40 for more than 6 months. What has happened is that due to charges being placed on the account the £40 is not enough to cover the minimum payment due and of course with interest etc it keeps escalating so my now we are about £120 over the credit limit. Capital one have now sent to letter to say we have defaulted, the account is closed and that they MAY pass debt on for collection, which they actually have done. They need to understand that if they say MAY it does not mean go ahead and automatically do it. What I would like to know is if we have been paying every month can they hand the debt over. Looking forward to hearing from you. Best regards Sharon

Hi its current have 2 payments left to pay.

Hi - thats brilliant news. My payments have been made a few days late as am doing them via standing order and not direct debit which is why they are putting charges on. Got a letter a while back to say that they were charging me 100 for referring my account to a debt management agency. Calls are still ongoing, Can I ask a bit favour if you can would you let me have a copy of their T&C/credit agreement as I cannot find my original one. Kind regards Sharon

Hi dx - thats what I do I tell them I have spoken to someone from Creation about an hour ago and please can they write, but they still keep phone which is 4/5 times a day. Yes have all my statements. Only got 3 months left to pay!!! Their argument is that they cannot take anything I say as I have not gone through their security questions.

Hi - thanks for your reply - its Creation who keep on phoning me and when I ask them to contact me in writing they say they cannot as I have not gone through security questions with them. I am not going to go through security questions everytime they phone which can be up to 4 or 5 times. So can I get them to stop calling by telling them without doing the security bit??? Hi dx - thanks for that, I am querying the fees as they seem very high but that is what they are calling about , its not my monthly payments its their charges they want paid. Even asking for £1 token payment via debit or credit card!!!

Hi - firstly brilliant website with most amazing advice, has helped me out over the years but this is a new one which hopefully you can help me with. If I am being harassed by phonecalls (over 4/day even when I speak to someone and say I have already spoken to someone an hour previously) do I have to go through their "security" before they can stop the phone calls. I got a fridge on finance and about 6 months ago there was problem with my bank account and all my direct debit went funny so have been paying my monthly payment which is £27.04 and I have been paying £30, but because they cannot draw on the direct debit they contacted me. As I only have 3 months left on my agreement I don't see why I should set up a direct debit seeing as I am paying by standing order. They are after me for some charges on my account for +/-£46 which I think are very high especially as I have been making payment. When I spoke to them I told them I could not pay the charges via debit card (which is what they were phoning me for) they kept on saying could I just make a small payment or token payment on the £46 even a £1 would be ok??? Firstly I don't see why I have been charged but will ask for details and secondly I am scared to give them my card details in case they use for more payments. That was last week but this week the calls have started I keep saying I have spoken to someone and could they stop calling but they say they cannot do this until I have gone through security with them. I have been ill in bed for the last 2 days so feel rubbish and do not want to sit and go through security I just want them to stop calling. PLEASE HELP - I want get over my flu in peace!!!