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Niddy,good evening.I have been paying a token payment to the above.I defaulted back in mid 2002.However I have never received a D/N but nevertheless they passed the account over, in the first instance to RMA and then in March 2005 to Brachers Solicitors.They sent me a fair amount of blurb about'you signed an application form and became bound by their t/cs'.They said they were attached,but did no they were not.Also I noticed that the card number they were using was different to the actual number.(Same amount o/s)
I have looked at my Credit file and noticed that A/E have got me down as default notice issued February 2010.Thats bullshite ,I have never received anything relating to D/Ns at anytime.
Brachers letters to me don't even mention it.My gut feel is that they could see my status getting close to coming of the file(5 yrs) and they put this fictious D/N in to keep it 'live'.
However Brachers write to me every 3 months for an I & E and a proposal to increase my payment.I always send the I & E plus a 'no way am I increasing my token payment' reply.
They write back with'our client is prepared to accept your offer with a review in 3 months'
I have just received for the first time since 2002 a statement from AE showing my os balance.Whats this about?
As this is a charge card am I stuffed under the CCA route etc.
Please let me have your guidance here as I am getting pissed off with having to send the same info back.I would like to stop this and am a bit concerned as to what would/might happen.
Thanks Niddy
I have looked at my Credit file and noticed that A/E have got me down as default notice issued February 2010.Thats bullshite ,I have never received anything relating to D/Ns at anytime.
Brachers letters to me don't even mention it.My gut feel is that they could see my status getting close to coming of the file(5 yrs) and they put this fictious D/N in to keep it 'live'.
However Brachers write to me every 3 months for an I & E and a proposal to increase my payment.I always send the I & E plus a 'no way am I increasing my token payment' reply.
They write back with'our client is prepared to accept your offer with a review in 3 months'
I have just received for the first time since 2002 a statement from AE showing my os balance.Whats this about?
As this is a charge card am I stuffed under the CCA route etc.
Please let me have your guidance here as I am getting pissed off with having to send the same info back.I would like to stop this and am a bit concerned as to what would/might happen.
Thanks Niddy
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