just been reading this exciting thread, and it was great to see "I WON". My partner has an abbey account, who i have tried to persuade him to claim back charges. Today when he went to the cashpoint, and they had takne more charges, he called me, to get the ball rolling. He has had enough, and heres to a battle. I know that when he calims his charges, it will be in the same region of about 7 or 8K. So i'm ready to start

i recieved 2 cheques this morning, both 75.00 each. cool.

I sent 2 prelims for my mothercare and frasercard on the 13th april. requesting 75.00 each, and did not include interest, as it seems they don't pay it. i got 2 letters from them this morning, saying they will pay the money as gogw for each acct. and they will send chq in next 7-10 working days. well impressed. Thanks all. will now do prelim for dorothy perkins card, but more complicated, as it resulted in ccj.

am waiting until get enough erxtra money to do the mcol for my partners card. For my card, i recieved the stats, and am sending prelim for 562.00 for that, and sending letter of dispute to Hamptons legal who are chasing it. will post these tomorrow.

i got the same letter quite some time ago, then heard nothing for few months. Then recived altter this week from Connaught, who it has been passed to now. they say they are filing for bankrupty, and after reading lots of threads and getting advice, this seems like just a scare tactic. they sent it via post, which is not the proper way to serve a Stautory demand, and they probably don't even legally own the account.

thank you all for your advise , it's very helpful, and eases the worrying.

thats good then , i'll just ignore, as they cannot prove i have recieved it.

they can't put charge on property if we rent?

I ordered sky broadband in january, after lots of waiting and been told problems with the line, we eventually git it active in the middle of march. This was well past the timescale given by Sky. I wrote them a letter nearly 5/6 weeks ago, complaining about the service for my order, and requested that they refund me the £40 paid for the router, and £23 that i used for my internet dilaup costs , that should not have been incurred if my Broadband went live as they said. This morning i recived a ltter apologising , and them refunding £20 pound, which they have already taken off my Sky bill. Am thinking about sending them a letter, and asking for the whole amount again, and not just £20.

we rent our property , so theres no chance of putting a charge on the property. i don't mind setting up payment plan to pay off the amount even if it takes a good few years, just don't want bankrupty to affect my credit history for 6 yrs from now.

iwhat if i send sar to lloyds asap. so if the stat demand is real, they cannot continue as the acct will be in dispute. How does that sound?????

i'm getting confused by the threads i read. some say send a CCA, and some say ignore it because it's a scare tactic. if i ignore it, and it is real, how soon after will i recieve more correspondence from them about the demand thanks all for help and advice so far.

so i should just ignore it. even if i sent them a cca, that would be acknowledging, so i shouldn't send that either. is that right?

if lloyds passes a debt to 1st credit, are they collecting on behlaf of Lloyds, or has lloyds just sold it to them, and if 1st credit get any money back , then they keeps it and don't pass it to lloyds. Hope this makes sense

it looks real though. i read that they can serve this by post, if they are sure you live there.