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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | Welcome to The Consumer Action Group
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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
12th December 2007, 22:41
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#1 (permalink)
| | Basic Account Customer |  konakona Vs Thames Credit LTD (HFC)
Back ground
Another one which we're not 100% sure on the origins of 
We had so much on credit that after everything went pearshaped we kind of lost track of everything. Between our really bad accounting system (system being used in the loosest terms) and the amount of letter DCAs send and the how often they sell the debts on, its hardley suprising really!
The poor book keeping problem is a lesson I have truely learnt, shame I did'nt learn it a few years ago though.
This debt has been paid regularly over the last 4 years, however it has constantly yo-yo'ed in price, but is currently at its lowest ever! Whats happened so far
CCA request posted yesterday (11/12/07) by recorded delivery | 
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12th December 2007, 23:51
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#2 (permalink)
| | Platinum Account Customer | Re: konakona Vs Thames Credit LTD (HFC)
Looks like you're getting the idea on this lot.
Now if this is for a Card then the chance of a compliant CCA are small, but I have found that HFC loans ted to be CCA complaint and enforceable.
Last edited by Curlyben; 12th December 2007 at 23:55.
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13th December 2007, 11:09
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#7 (permalink)
| | Platinum Account Customer
I am in: Wales
Posts: 4,913
| Re: konakona Vs Thames Credit LTD (HFC)
Good luck with this bunch of muppets... | |
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21st December 2007, 22:56
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#8 (permalink)
| | Basic Account Customer | Re: konakona Vs Thames Credit LTD (HFC)
Thanks babybear39! 
Didnt even know they had got the CCA yet, the Royal Mail is still not showing it as delivered!
Apparently they are not under any obligation to provide the CCA, but they will do anyway becuase they are so nice!
Arent they lovely!
(and you guys have been ripping on them  ) | |
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21st December 2007, 23:13
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#11 (permalink)
| | Platinum Account Customer | Re: konakona Vs Thames Credit LTD (HFC)
Hey doesn't matter at all.
Until they can prove the debt it can increase by £400 
Even after they do, assuming CCA is correct, they cannot increase the debt without a specific contractual clause for doing so. | |
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22nd December 2007, 12:38
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#13 (permalink)
| | Platinum Account Customer
I am in: Wales
Posts: 4,913
| Re: konakona Vs Thames Credit LTD (HFC)
Sit back and give them the rope
It's sweet when they pass the 12+2+30 calendar days
Work out your deadlines from the date they say in writing they recieved your letter, that's 12+2+30 calendar days (unless the last day falls on a sunday), keep that letter VERY SAFE . If, after the further 30 they demand payment report them ASAP
to Trading Standards, here's the link: Trading Standards Central - Trading Standards and Consumer Protection information for the UK
In the meantime, scan and post anything you get from them here and we'll advise accordingly.
Have a great Christmas and New Year 
__________________
"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.
Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalism student not a law professional.
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I get a fresh start to get on with my education, and learning to live with severe disabilities when they could have had something if they'd been understanding...
Please note from 22nd Sept. limited availabilty as back in uni. But I will pop in regularly.
<--- If you feel I've helped, please tip my scales... | |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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