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alexteh

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alexteh last won the day on October 26 2007

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  1. I renewed by BT Broadband contract in August but have been experiencing very slow connection and throughput recently. I've spoken to BT tech support and they have been unable to resolve the issue and basically said tough. As I'm in a Virgin Media area, I'd like to cancel my BT broadband and move over to Virgin but BT are saying that I can't cancel until next August. Is there any way I can get out of the contract with BT on the basis that the service they are providing isn't up to scratch?
  2. Well I sent off a letter to the old court asking for more information but not heard anything yet. I did receive a new letter from the new court this morning which is a copy of the letter telling my employer to deduct money each month until the entire debt is paid off. It also states the debt amount. The amount is probably affordable (bit of belt-tightening) and isn't actually for that much - it'll be paid off in 3 months but it really ****es me off that the first I've heard about any possible court action is after the event. Is there anything more I can do?
  3. I got myself into a bit of trouble a while back and have been slowly working my way out of it all. Everything has been going pretty OK but this week I received a letter from the County Court for the area we moved out of about 2.5 years ago telling me: Now I understand what the actual notice itself means. What I don't know is who the claimant is, what they are claiming for or when they started and/or how far along the whole process is. What I'm after is some advice on where I can go from here. Do I contact the (old) County Court and quote the claim number and ask for further documentation - even though they are effectively passing it over to another court - or do I wait until I hear from the new court or do I try to find out who the claimant is and contact them? Also, I would rather not have an attachment of earnings order (I didn't know they were even an option for unsecured debts anyway) and I'm not certain I even owe these people any money! Any advice greatly appreciated!
  4. They've finally agreed that the charges on this account more than equal the alleged debt and, in order to just get it out of the way, I've agreed that they will zero the account and consider the matter closed. I'm still fighting to have the default removed from my credit file.
  5. Well it's been a while 3 more DCA's later and 8 months and I finally get something which they claim is a credit agreement but is actually only an application form. It doesn't mention any credit limit, interest rate and is only signed by myself. Going to draft a reply stating that it does not contain the prescribed terms and is therefore not legally enforceable and go from there I think.
  6. I am beginning to wonder if Cabot can't read. They wrote back claiming that the "application form" was indeed a valid CCA and that they didn't need to provide it anyway as they had purchased the debt and weren't the OC. They also enclosed copies of all the statements they sent before as well as the alleged CCA but this time with parts of it highlighted with a highlighter pen which back up their view that it is a credit agreement (ignoring the bits that show that it isn't). They completely ignored my comments about the unlawful charges and suggested that I ought to pay up. Next step is to write back to them today and reiterate my points about the unlawful charges and also suggest to them that they had been mis-sold the debt by Capital One on the basis that C1 had known since at least last spring that the charges were unlawful). I've also put a letter together to Crap1 demanding the charges be repaid to me in full including interest.
  7. I got sent on a course in London so hadn't had a chance to post the letter which it turns out may have been a blessing. Cabot have today responded to my CCA request with a document from Capital One which is signed by me. It is entitled "CREDIT AGREEMENT" but appears not to contain any of the prescribed terms and the first line reads "Please issue me a Capital One Credit Card and PIN" and goes on to talk about credit scoring, etc. I've amended my orginal letter to take this into account and will be posting the following:
  8. SP and Seahorse - thank you for your advice - I've made both those changes and will be posting the letter tomorrow.
  9. Here's what I think I'm going to send to Cabot. My only concern is that they have not yet supplied a CCA.
  10. I would think that as payments were made by direct debit and you set it up under duress when you did not in fact owe the money that the DD guarantee would take effect and you could demand that the bank recompense you for them.
  11. Wescott finally got round to replying today. They say that as I do not acknowledge the debt, their client (BOS/Sainsburys Visa) require that I provide my date of birth, previous addresses and dates of occupation of these addresses. As they are still in default of my CCA request - In fact, Sainsburys have been since 15 September! - I am thinking I'd just write back telling them that they should already have my date of birth on the properly executed credit agreement and that they should have my previous address(es) on file already. Any thoughts?
  12. If I don't want to bother with all the hassle of reclaiming the money I'm owed, do you think anyone would purchase the debt from me for £50?
  13. Hmmm does anyone know a good debt collection agency? Apparently, Cabot are chasing me for a £300 which according to the statements they kindly provided me includes £600 of illegal charges. I am thinking Seahorse is right and that I should be writing to them with something similar to:
  14. Apparently the nice fairies are still working at Cabot. I had another very polite letter from them this morning with a copy of all statements from Crap1 but still no CCA. Interestingly, the statements show a whole heap of £20+ fees which I will now have to contest. I've not had a chance to go through and add them all up but it could well exceed the amount of the alleged debt.
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