Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
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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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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.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
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 |  | 
14th March 2007, 21:30
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#1 (permalink)
| | Classic Account Customer
I am in: Sunny South!
Posts: 371
|  CRA change
Hi. I may be missing something here but wondered if anyone could put me straight on this?
I ran a credit check several weeks ago. There were numerous details on it, including a few defaults, which I'm afraid are true.
About the same time as getting my report, I sent a CCA request to one of the DCAs who had contacted me about one of these defaults. Have had the standard "28 days yadda yadda yadda" reply and nothing since.
Checked my report again today and that particular entry / debt has vanished! It wasn't statute barred and so is still outstanding, my aim was to try and get some penalties deducted before setting up a realistic repayment plan.
Should I be concerned? Could it have been 'taken off' while they gird their loins and they try to put it through court or similar (despite my CCA, which would be a different issue, but we know what these tinkers are like!!)
Any ideas? | 
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15th March 2007, 02:18
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#2 (permalink)
| | Platinum Account Customer
I am in: sane
Posts: 1,358
|  Re: CRA change
Quote:
Originally Posted by KJD  Hi. I may be missing something here but wondered if anyone could put me straight on this?
I ran a credit check several weeks ago. There were numerous details on it, including a few defaults, which I'm afraid are true.
About the same time as getting my report, I sent a CCA request to one of the DCAs who had contacted me about one of these defaults. Have had the standard "28 days yadda yadda yadda" reply and nothing since.
Checked my report again today and that particular entry / debt has vanished! It wasn't statute barred and so is still outstanding, my aim was to try and get some penalties deducted before setting up a realistic repayment plan.
Should I be concerned? Could it have been 'taken off' while they gird their loins and they try to put it through court or similar (despite my CCA, which would be a different issue, but we know what these tinkers are like!!)
Any ideas? | Probably took it off because they know there's no OA and they can't collect. | |
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15th March 2007, 17:11
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#3 (permalink)
| | Classic Account Customer
I am in: Sunny South!
Posts: 371
| Re: CRA change
Thanks, pmhcfc (I'd love to know what that stands for!)
I guess that could possibly be true. The card was originally from one organistation, who were then taken over by someone else, who were then taken over by someone else! Somehow along the way one of the new creditors stopped taking out my monthly DD payments which slipped by me. When I finally noticed, they wanted the arrears paid in one hit and I didn't have the money. Usual story... head in sand, default, DCA...
Will wait and see what occurs. | |
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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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