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  1. I am about to go to court with drydens over an old vanquis card. I am just wondering if anyone else can post up ; 1. have drydens taken them to court and if so how did they get on? 2. did drydens start bthe action with no CCA agreement? 3.how near to statute barred was your account? 4. did they send you a real CCA or a 'true copy' or a dodgey internet one? I want to see if this is a policy with them and if they are bringing frivilous actions in the hope of scareing people into settling. If there is a pattern I make make a complaint to the SRA and the OFT
  2. Hi all I have just come in from work and found a letter from the above regarding my repossessed home from 21 years ago. This company is asking me to get in touch with them regarding the shortfall between the sale of the house and the outstanding mortgage. i recieved something similar about 6 years ago and I was assured by citizens advice that there is nothing they can do about it as it happened over 6 years ago (at the time it was 15 years ) I am worried again that they will be able to force me into something which I cant afford and not only that I am remarried with a house and family of my own. Can anyone help me? I'm sick with worry in case they make me sell my home!
  3. I had an MBNA debt which has been passed on to Arrow Global / Drydens Fairfax & have been making regular payments since June last year. Drydens have been a nightmare to deal with, they are abusive & incompetent to put it mildly. I have now received yet another threatogram, this time they have enclosed an income & expenditure form to fill in. They want proof of income, bank statements & any proof of benefits, and if I do not return it within 2 weeks, they will consider further action to recover the debt, possibly court action. Has anyone had any dealings with these people? and am I leagally bound to return the I&E forms?
  4. Hi, I have a debt previously owed to Egg banking, now transferred to Britannica Recoveries. The debt is secured with a Second Charge on the property and managed by Drydens Solicitors. A family member has offered to loan me some money which I would like to use to pay off this debt. I have spoken to Drydens and they have sent me a letter stating they will accept a slightly reduced sum and “consider your liability for the outstanding debt settled”. However, they have made no reference to the removal of the Second Charge with the Land Registry. I am unsure of the process for removal of the Charge. Do I need to get confirmation in writing that they will remove it? Any advice would be gratefully accepted. Thank you.
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