[Bernard]

Hi Anne-Marie,

I’m actually still going with the process so I wouldn’t say I’ve been completely successful yet.

With the credit card I’ve now sent 3 notices asking them to provide evidence that my payment was not compliant with the BOE act. They failed to reply so I sent the declaration and made a 4 fold counter claim and have now sent off 3 demand notices for payment of debt. Had quite a few exchanges with the complaints department where they just repeatedly claim that they don’t accept hand written money orders as payment which I have always replied to by way of a thanks for your confession you received payment and further questions.

I’m now at the stage of sending a second declaration and not sure exactly which debt recovery process to use. I’m thinking an application to credit rating company (cant remember their name) or a statutory demand for payment of debt. Might need some more advice on that one because I haven’t done this yet. It will be very interesting to see if I can get any $$$ out of them.

At this stage I consider the credit card discharged but I haven’t completed the counter claim process. They have still been sending intermittent arrears notices which means they haven’t conceded quite yet. I’ll keep at it and let you know if I have any success. Keep up the good work!