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Can someone please help me, I'm scared.
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Oh yea, I forgot to mention this so thank you McBirnie25, the photo company dosen't exist apparently. They cannot be found on the yellow pages or any internet search engines, the only way I managed to write to them to tell them about the cancelled direct debit was by writing to the address that you said competition forms in to....suss I think...?
And yes, they would be great if you could send me that letter, I'd really appreciate that
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That should of been *sent, not *said!0
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Stuff that then, no way would i be paying til it was proved this company existed. Could begoing to anyone.I would send off for a copy of the CCA agreement, this means BCW can't touch you then.If you don't get the agreement within 12 days then they have to apply to the court to pursue this debt.Will send that letter when i get time.0
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What is a CCA?0
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I think it s a consumer credit agreement, which you would have signed when you decided to take on the photo company's services. If they can't produce this then they can't really prove a debt...BCSC Member 70:j
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They have just phoned me again, this time on a 0845 number, usually it's 0871....I wonder what that means?
It just means that they make slightly less if you ring them on an 0845 number, than if you ring them on an 0871 number. Go to http://saynoto0870.com and you should be able to find an ordinary geographical number for them.
By the way - the CCA that is being referred to is the original Consumer Credit Agreement, which they MUST provide on request.I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Thank u Rog for all your help. Anyone who can offer anymore suggstions/advice will be gladly received xx0
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Thank u Rog for all your help. Anyone who can offer anymore suggstions/advice will be gladly received xx
You are more than welcome a87. I am away for the rest of the week, but keep posting. If you need examples of letters that you should send, someone will be able to point you in the right direction, and you will learn a lot from McBIRNIE. :beer:I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0 -
Hi A,will give you a detailed response on this tomorrow. Had a crazy weekend.0
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Thank you x 0
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