I've requested more info from them Yes the name in 2003 is different from who I pay now I don't know when or how this came about

I changed banks 6 month ago and forgot to reset direct debit. I had made monthly £1 payments since Feb 2003 Hi dx100uk thanks for the reply I've found original ccj the name for payment is different I don't remember changing this .it was Feb 2003 I have made all payments up until late March this year when I changed banks and forgot to reset direct debit. It does say "if an acceptable payment offer is not made, an application for a charging order WILL be made in order to secure the above judgement debt against your property and if awarded, may affect your ability to remortgage or sell your property. Mortimer clarke solicitors are the firm sending this. I have asked them to send more details of this

the ccj in my name the house and mortgage in both our names

Yeah it's the threat of court action and a charge putting on house.with not much equity could they force to sell it, i paid the ccj for over 10 years but just forgot when I changed banks do I send off the income and expenditure form off when it comes

Hi I've received a letter threatening me with a charging order if satisfactory payment proposal is not made within 7 days. This relates to a ccj that was made against me over 10 years ago I was ordered to pay £1 per month but when I changed banks I forgot to reset a direct debit. I have rang them requesting more info about this they said I've missed the last 6 payments and said the debt is for 3k and will post the details to me holding my account for 2 weeks. It is quite threatening saying if not paid or an acceptable and sustainable offer not made a charging order will be made it also offers the client may accept a reduced offer. I do not have the means to pay in full, or what would be a reduced offer what would that be I could pay more monthly but not much, the debt is from 1997 the court order made in 2003

hi are there any templates for a letter, do i reject the car under consumer act or credit act or can i have repairs done and bill the seller, what i will find difficult is take the vehicle back down due to personal, work and holiday commitments for at least 4 weeks. thanks

Thanks Conniff and bank fodder for the advice very much appreciated

well a good 9 month and no more threats

Hi i bought a 2nd hand car 5 days ago costing £5300 after paying £250 as deposit to secure the vehicle while it was sent to have its MOT done by a MOT station of the dealers choice, i returned the following day and i paid £4250 via bank transfer and a further £800 by credit card i was told it had full dealership service history, 12 month MOT, it also was given a pre-delivery inspection by the seller himself. When i got home i was inspecting the service record and noticed it had not been serviced for 17 months some 20,000 miles ago in fact it had only 1 service in 4 years (50,000) i took it for granted when the seller give me a quick flash of the service manual showing the 7 previous services. I felt a bit conned after my phone call to him asking about service history, and on my viewing i was also told in front of a witness that it was full dealership history, i would not EVER buy a car without this criteria, the value drops considerably without this. I then got my local garage to service the car this was only 4 days into ownership at my cost, the garage then picked up on the hand brake not working at all and should not have past its MOT or a pre-delivery inspection by the seller. I rang the seller who's response was that the warranty would not cover it as its wear and tear and any repair would have to be at my cost at this end, i offered to have an independent inspection ie AA or RAC to have a look then it could be fixed at my end. I was finally offered the chance to take the car to the seller some 50 mile away to have a look, this could take upto a week to fix and i would have to arrange my own transport back home then back to pick up the car with no promise that its their fault. Any advice would be very welcome Thanks

Ok i will get on with that, arc ring on different no's but i will log them Thanks

Hi slick Still get daily phone calls from arc Dw have sent me threatening emails on the 20/08, 24/08 and 30/08 it seems my account is still active and not cancelled even though 3 letters have been sent. Thanks

hi slick, I am getting daily phone calls over last week and half from arc (about 10 calls)when I answer, a recorded message tells me to ring arc back, I have ignored them as I have already told them to contact me in writing only way back when this started. I have not heard a thing from dw or majorlaw

Well 2 weeks passed all quiet no harassment or demands from any of them Lets hope thats that Thanks Slick

Hi Slick DD refunded today good news

Hi slick Raised the issue with the bank today via telephone, filled a form in over the phone this should be resolved within 1 working day, if found in my favour and a refund issued DW can then pursue me again for this payment, i await there response Bring it on, dont feel bullied anymore

Thanks Slick Ive sent the letters off via signed for delivery hope im not to late to prevent further action ive been very busy with work etc. Thanks again for your help and support.

hiSlick ive just read the posts ive not heard anything from arc, majorlaw or DW, since major law letter dated 17/06/15 should i still send the letters off

Ok I will try again with the bank re the DD thanks for your prompt reply

I rang my bank but because I was late in cancelling my DD and the payment came out they told me to chase it up with DW, I have requested DW pay me back £28 plus £25 admin fee for the letter (if they can charge so can I)in the second letter that I sent by recorded delivery on the 28/05/15. I have not heard from them since reguarding the payment just emails saying payments are due to them I did not make a copy of my 1st cancelation letter wish I did send it recorded delivery.

Cheers Read a few posts feel a lot better. My original letter was hand written and posted, I should have recorded this with hindsight, I didn't think there would be a problem, in the past I have cancelled in person at the gym not had a problem but they do keep you about a hour trying to change your mind, passing you from person to person. Thanks again

Hi Can anyone help with this. I joined DW sports in October 2014 signing a 6 month contract, by December my work/private commitments changed and could not attend the gym. I asked at reception if I could cancel my membership, I was told that I could not and would have to wait until March when my contract ends, having been a member on and off for a number of years I respected that decision and continued to pay by DD, although I did not use the facility since mid December. In Feburary 2014 I wrote a letter to cancel my membership and that the letter was my months notice for the contract to end at the end of March. I heard nothing from DW until I cancelled my DD when I got a letter saying my account was in default and I owe £56 and if I don't pay my debt would be handed to arc debt collections which they now have. I wrote a 2nd letter to DW this time by recorded delivery (because they say my 1st letter did not arrive) explaining the situation and that the fact is they owe me £28 as they took a extra payment for April as I had not cancelled my DD and I had sent my months notice, this fell on deaf ears and that if I don't pay debt collection agency would take on the case. I have had a number of text, phone calls and letters from arc I have told them that I do not recognise this debt, as my contract with DW was complete and paid in full. They have now passed this on to solicitors major law and the debt as risen to £151 and now being threatened with county court