Jump to content

redfox

Registered Users

Change your profile picture
  • Posts

    71
  • Joined

  • Last visited

Reputation

4 Neutral
  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. They have already sent me the credit agreement that I signed though I still had my original copy. If I sent them a DSAR do you know what other information they would have to provide me with?
  4. On the basis that I didn't have a choice. My original documentation proves this as there is only one signature box to sign for both the loan and PPI. With the new regulation, I've been told that new paperwork has 2 boxes, one for a signature for the loan and one for the signature to agree to PPI. The letter also says that I attended a local office to discuss my application, however, I don't remember going into an office but I do remember that it was sold over the phone. So surely this means that they don't have a correct record of my application.
  5. I recently sent a letter to Black Horse regarding some mis-sold PPI on a loan in 2004 which was paid off this year. I wasn't given an option to be able to opt out of the PPI. Black Horse have replied saying that I signed the form and that I could have cancelled the PPI within 30 days etc. and that they don't believe in my claim. Where do I go from here?
  6. A friend of mine has had a debt that he didn't know about from 1999 of about £4000. However, this only came to light over the last couple of months with extremely rude and harrassing telephone calls from a company called Roughbridge Ltd who have, from what we can work out, bought the debt from Cabot Financial. It is true that my friend has moved during the past 6 years, not often, but he has moved and has no recollectin of the debt. If the debt is statute barred what does he do from here? Does he inform the debt collecting agency that this is the case? How does he deal with the situation? he has already received 7 phonecalls this morning and the person on the other end of the phone has already called his partner a minger!!!! Please help....
  7. So, I should send Barclays a Letter Before Action and then an S10? Where can I find an S10? Then I take them to court? Not sure of this process
  8. Do we need to write a letter requesting that the claim money is paid by cheque?
  9. Hi, I have been helping a friend reclaim their charges from halifax and we have heard today that they are happy to refund the nearly £1000 in charges on her account. The problem is this, the Halifax asked my friend to return her cheque book and cut up her card 2 weeks ago (I didn't think that was possible while an account was in dispute) and are now suggesting that they credit the £1000 to her account in the next 7-10 days which means she will not see a penny of it. She is currently about £4000 overdrawn with an overdraft limit of £1750. While she appreciates that she is over her overdraft limit she has tried to speak to the Halifax about this but they have been less than helpful. Is this their money to take, is there anything we can do, can somebody help us please.
  10. There was an outstanding amount of £164 which I paid in full in November 2006. In 2004/2005 I received a Termination notice regarding my account but no where on that notice was the word DEFAULT. So do I need to go to court to get them to remove the Default? I have sent the letter written by Surlybonds, should I reply to their response and give them 14 days before court action?
  11. Hope someone can help as I'm having a little trouble. I thoroughly read through the letter that Surlybonds had compiled regarding removal of defaults and changed it accordingly then sent it to Barclays Bank. I have received a letter back from them saying the default will remain on my account for 6 years. My account was closed on the 19 January 2005 after a Termination Notice was issued on the 10 December 2004. Nowhere in this notice does it mention a default being added to my credit rating, it just simply says the account was being closed. The remainder of the oustanding balance was completely paid off early November 2006. Where do I go from here? Should I write another letter? Please, please can someone help? Thank you Chloe
  12. I have a friend who I am helping with her charges and her charges go back to January 2000. Can I still claim back until then even though that is almost a year over the 6 years? Would there be an issue if it went to court?
  13. What does 'statute barred' mean? I have just written the letter as per your post so I will get Charles to sign that and send it off today. I will also write a letter informing them of the new address (though we are still waiting for the keys), and I will send them an SAR to see where all this extra money has come from and then maybe dispute it? Would we be disputing it in the same way as we have disputed bank charges or would we be disputing it in relation to the lack of a CCA with Thames Credit?
  14. He doesn't think he has ever made a payment to Thames Credit and he thinks that the last payment he made was more than 2 years ago. The only time he has ever written to Thames Credit was the other week when he requested the CCA and said 'I do not acknowledge ANY debt to your company.' So he has never acknowledged any debt to them.
  15. So I should send a letter back with the postal order exercising my partners statutory rights, AND maybe also send an S.A.R - (Subject Access Request) so that we can see what charges and interest have been added on? The outstanding amount was £564 last year and now it is £894! If they provide a credit agreement from Barclaycard, and if that agreement isn't directly with Thames Credit then surely he has no obligation to pay the debt? And if Barclaycard are unable to find this credit agreement - bearing in mind my partner had this credit card 11 years ago - then surely the debt is invalid?
×
×
  • Create New...