Hi, can anybody advise please? I currently have an oustanding debt with Vanquis Credit Card that totals £2812.42. I have an agreement with them to pay £40 a month for next 6mths then review the situation as i am currently experiencing dificulty paying all my bills. They were reluctant at first to agree to this but after threatning to pay £1 pm they have accepted this. This morning i have received a letter from Lewis Debt Recovery, a local firm i believe in West Yorks, offering me a 50% discount on my balance. They say if i pay £1406.21 in 7days to bring the matter to a speedy conclusion this will settle my account. My question is why? Is this a tactic to get me to contact them? Why have Vanquis themselves not offered me this? Should i contact Vanquis to check if they have agreed to this? If genuine, this is a fantastic offer and i would beg/borrow and try to raise this amount to pay this debt off and get it off my case forever. If i do pay this settlement can i ask them to remove any bad marks on my credit file as part of the deal? Any advice/help with this matter is very welcome.

Will have to check that. Im going to write to them and ask them to close the account and wipe all charges or im going to complain to FSA. Fingers crossed they wipe it.

I recently had an issue with Vanquis similar to this one. After agreeing a monthly payment of £40 pm with Vanquis i got a letter demanding full payment from Impact debt collections. I think i will have to consider a complaint myself.

So whats the best form of action? ive reclaimed bank charges before but that was a long time ago and me thinks they are wise to that now...

Hi everyone, can anybody advise me please? My wife has a Nationwide flex account which she has not used since opening a new bank account 2 years ago. I noticed last year that her statement from this account was £15 overdrawn, must have been this way for 2yrs as all direct debits etc were cancelled when she opened her new account. After getting a statement today we noticed that the account is now £75 overdrawn as for the past 3 months they have charged her £20 pm for an unarranged overdraft. Firstly, can they do this? and if they can why now and not anytime over the last 2 years? How do we approach them to ask them to think again? she does not need or use the account so can she close it to stop anymore charges or does she have to pay the overdrawn amount before she can close it? Any help is greatly appretiated.

Can anyone give me some advice please? i bought a new acer7540 laptop from pc world on boxing day, from day 1 it seems to turn the volume down of its own accord (as if possesed). after ringing the tech guys twice and uninstalling then reinstalling various software i decided to return the laptop to pc world and ask for a replacement as it is only 3 weeks old and well within the 28 days. i have been told that unless the fault happenes when they are examining it they cant exchange for a new 1. This is frustrating as the fault only happens now and again and is obviously not going to do it when im in the store with the guy watching, and i know as soon as i get it home it will do it again. pc world have today agreed to take it for 24 hours and see if the fault happens when they test it. Where do i stand if they find no fault?

Thanx Idainfife, i emailed them they then replied saying thay would ring me and could i provide a sutible time, so i did and they still did not ring me, i have the e-mails here. Dear Mr ****** Thank you for your email regarding your Sky account. Further to your email, I apologise that I didn't make the call back you requested as I did not receive your email until today. I would be obliged if you could supply us with a convenient time to contact you between 12:00 and 20:00 Monday-Friday. Kind regards Kirsty M Sky Help Centre Sky.com - Home Original Message Follows: ------------------------ Thank you for your e-mail, i will be avalible during the day 9am-3pm on monday and tuesday.

Can anyone help with this one please? I was on a reduced contract with sky where i was paying half price for 12 months. The contract ended on 31 dec 2008, so i contacted them by e-mail about 2 weeks before to say i wanted to cancel my contract,(was hopeing to get same deal again).I got an e-mail back saying someone would telephone me but nobody did so i thought stuff them, my contract had ended i was not locked in, i forgot about it. On the 16th of jan they cancelled my service so i thought fine they will get in touch for me to pay for the 16 days as i was not in a contract. How wrong was i. I am now looking at a bill for £95.04 and a debt collection letter from Wescot. Where do i stand on this please?

I thought it was 18 days from the date you received the sd. i received it on 13th

Ok guys so do i just go off to court and show them my correspondence with capquest and ask to have it set aside?

Hi 42man i havent set it aside do i have to now or can i do it fi it comes back? i just dont fancy the hassle of going to court if i can help it.

hi guys I have just received a letter from Capquest this morning, it says: We thank you for your correspondence. Please find attached your £1 fee for a copy of yous agreement. We would advise you that Littlewoods Finance have been unable to provide us with a copy of the agreement and we are in the process of referring this account back to our client. from Martin Best Does this mean it is all over or do i expect more correspondence?

Cheers 42man will keep you posted.

Thanks guys, i have sent letters m and n today by recorded delivery. Do i have to wait for a reply before i proceed to getting it set aside by court? I havent had any contact over this debt for at least 9 years so it is definately statutes barred.

Can anyone help?

Can anyone help please? I have just received a statutory demand from capquest for a debt with littlewoods that is dated (edited) for the sum of £1xxxxx I have been reading loads of posts on hear but this seems a nightmare, can anyone help please? I think i need to get this set aside but am unsure of the correct procedure and i dont want to mess up at the beginning. Am i right thinking i have to issue template letter N, a cca request? but then what? i think this debt is statutes barred, its 11 years old. How long do i have it says 18 days but letter date is XXXX. the particulars of debt are as follows The debt relates to the unpaid balance of sums due under Credit Agreement dated 22 oct 1998 made between Mr ****** and littlewoods finance company in respect of a littlewoons mail order finance no D*******. The agreement terminated upon the failure of MR ******* to comply with the terms of the agreement and/or a statutorynotice of default served by littlewoods. The rights and duties of littlewoods finance co passed to the Creditor pursuant to an assingnment dated 26 sep 06. The total amount due as at the date of this demand is £1XXXXX which includes interset of £0.00 which has accrued since the assingnment of the debt.

Cheers guys i will sit back and await there responce.

I have had several letters recently from Robinson Way regarding a debt from Abbey National wich goes back about 8 years. I have replyed to them with the template letter for Statute Barred cases. Robinson Way have replyed stateing they dont think my debt is Statute Barred and that they will proceed with legal action if i dont pay up. Given that the debt (almost £2000) is almost all made up of bank charges from my account with Abbey, can they do this? If i was able i would have claimed these charges back, but as they were 8 years ago i thought i would not be able to. Can anyone help please?

Hi Herbie have just writen this letter to Equita, what do you think? Dear Sir/Madam I am writing to you concerning the above warrant issued to myself on behalf of Leeds City Council. After ringing your company on 17/07/2007 I was told that my payment had already increased from £108.16 to £143.41. As I was on holiday from 08/07/2007 to 16/07/2007 and phoned your company upon reciept of first letter I find it shocking that you have applied more fees before I have had a chance to contact you. I have also been informed that the extra fee you have applied is a “levy fee” of 28% for visiting me when I was not in. Considering I was on holiday for only one week I’m surprised at your swiftness of adding extra fees or is this how your company makes it’s profits? I I would also like to point out that I tried to pay you the first time I called and due to your own internal banking arrangements this payment was refused, (apparently you do not accept payment from co-op bank cards). I the light of this I am asking again for your bank details so I can pay over the counter or online transfer as I have not received the bank giro I requested when I first rang you on 17/07/2007, or are you waiting to charge me some more before you send it? I would also like to inform you that if you attempt to levy more fees on me for further visits I will report you to the local authority concerned as well as Northampton County Court and Trading Standards. Could you also provide me with proof by way of tracker systems when a visit was purportedly made as my house sitter was unaware of any visit> Your help in this matter is greatly appreciated as I’m sure you are just as happy to resolve this debt quickly as I am.

Thanx guys, as far as i'm aware they have not visited me and did not mention any visit when i spoke to them. I have only just got first letter.

I got back from holiday on 16/07/2007 to find a letter from Equita saying a warrent has been issued and passed to them for £108.16 by return post. This letter is dated 05/07/2007, i went on holiday on 8/7/2007. I rang Equita on 17/07/2007 to pay this debt and was told it had already incresed to £143.41, after arguing for 10 mins i decided i would just pay and get rid. I then proceeded to pay with my visa/electron card, as soon as i gave first four numbers of my card i was told they do not accept cards from co-op bank. So i asked them to send me a bank giro so i could pay that way and was told i might incurr more charges in the meantime. Is this legal? do they tell everybody this to make more money? is there somewhere i can complain about this bunsh of muggers? Any help most welcome..

Cheque from Halifax for £4,400.84 received today, never thought i'd see the day, time to book a well deserved holiday somewhere very hot....

Will do, cheers all, maybe a mod could merge my theads and change title to include I WON!!

Got letter from Halifax this morning I WON!! they say the usual c*** it's not worth their while defending claim, blah blah, i will be sent a cheque for £4,400.84 within five days. YIPEEEEE!!!! I could not have done it without the help of this excellent site and it's members, particularly Sea-side lady who keep me going with excellent help and advice near the end of my claim (sweeky bum time). Well deserved donation to cag will be my first purchase. Thanks all and hope this gives encouragement all out their still claiming, hang in there it'll be worth it in the end.

Ok got letter all drafted saying halifax have 7 days to pay up or i'm going for judgement by default, hope it works.