First credit debt collection :(

pepe2008

I have heard nothing from this scum since they sent me a letter saying that they were 'disappointed with the tone of my letter'.........all I did was point out that 'if you REALLY thought that you had a leg to stand on then you would have had me in Court months ago....so bring it on!

...then I pointed out that they had lost the HBOS and Citibank Business because of their sh*tty behaviour and it served them right! truth hurts!:D:D

nos4R2

not heard anything from them since feb when i asked them to prove debt, stopped paying Citi when they remove account from credit file. still shows a defaulted 1s credit loan i never had though. not to bother my credit file is shot for next 6 years whatever happens.

debtman2007

Without wishing to tempt fate, i have heard nothing for a long time.

Bazza66

I've heard nothing from them since they sent me a application form (badly photocopied) in response to my CCA request and asking me to confirm the signature. I have not replied. That was about 6 weeks ago.

But they are being watched for their behaviour say maybe they are just going with the easy targets for now?

cloudnine_2

Same for me.. they agreed a dmp several months ago and have gone silent since. No monthly statements, nothing.. I'm intrigued to know how much my debt has reduced but I'm nervous of calling or writing to them unless the whole saga of bullying kicks off again.. Not sure what to do, as the debt may have even increased with their charges..!! Scary...

debtman2007

Can they add charges if they have been unable to supply a signed CCA??

Bazza66

debtman2007 wrote: »

Can they add charges if they have been unable to supply a signed CCA??

Once the account is in default (after 12 days of asking for the CCA and they have not supplied it) then NO, they cannot add any interest.

cocker100

They haven't added any charges or interest on to my account since they purchased it. My monthly balance continue to drop as each month goes by!:D

Cocker:)

debtman2007

cocker100 wrote: »

They haven't added any charges or interest on to my account since they purchased it. My monthly balance continue to drop as each month goes by!:D

Cocker:)

how can i check that??(without actually having to speak to the morons)

Bazza66

debtman2007 wrote: »

how can i check that??(without actually having to speak to the morons)

If you wrote to them asking for a balance then that could be construed as admitting the debt and therefore resetting the 6 year statued barred - not a good idea.

Therefore I would think a SAR would probably be the only way to find that out - would cost a tenner.