basic letter stating my reasons why i believe it was missold and a arequest to have it refunded within 8 weeks. then the same letter with a covering letter saying they had another two weeks then another letter this morning.

Hiya wondering what to do next.... had a Citifinancial loan, all paid off this year, never late, no issues etc etc but i had their PPI product, was bamboozled into it, had a courier arrive at my door with the paperwork who sat in my kitchen impatiently while i signed and took the forms away with him, plus i'm self employed etc etc anyway, i wrote to them on november requesting a refund, didnt get a reply, wrote to them again in early january, again no reply. wondering if anyone else has had the same issue and if so what my next steps are as i am hitting a brick wall.

i dont have any statements i'm afraid. basis of my defence - great question, thats what i need help with. i'm looking at the "agreement" and thinking that this isnt enforceable in court but i'm far from an expert.

how peculiar, cant seem to find out why they are so small or what to do about it! here they are larger; http://i45.tinypic.com/2aan769.jpg - agreement front http://i46.tinypic.com/2q3xky9.jpg - agreement back http://i47.tinypic.com/2f064n7.jpg - deed of assignment http://i49.tinypic.com/ifo11z.jpg - CC claim form hope this is better!

Hi There yesterday morning i received a court claim form from 1st credit, i am literally bricking it. i CCA'd halifax a long time ago who took forever to supply a copy of the agreement then it moved to iqor, then connaught, then 1st credit the last three letters i've written to 1st credit i've asked them to negotiate a settlement or a monthly payment, they've completely ignored me on all three occasions writing back with "pay up in full or else" i earn 950 a month net, do not own a house, a car, or anything of value and have no savings but i do have a relative who would help me out (this relative was actually paid £3000 off the balance a few years ago but despite this the amount claimed is £4500 more than what the balance was back then - approx 8k and its now 12500 with 1st credits interest charges) i've attached the claim form, a copy of the agreement front and back and a copy of the deed of assignment. my view was this; the agreement provided is not an agreement but an application form containing none of the prescribed terms and an unrelated T&C's copy and pasted onto the reverse in an attempt to create something passing off as an acceptable document. every DCA avoided answering my questions and simply said pay up or else. i've not put in any claim for unfair charges, ppi (which looking at the application it would appear i didnt have) etc my question is? how do i defend this properly??? i do not want a CCJ!!!! thanks!!!

Hi there! I took out a loan with citifinancial some time ago, the details of which are; Date of advance : 2/11/2007 Amount : 8218.00 Term : 60 months Interest Rate : 25.66% (interest calculated on a daily basis) I want to settle the loan and the settlement figure i've received is; Date : 14th November 2011 Balance of interest and principal : 2932.68 Interest rebate : 245.55 Balance less interest : 2687.13 now by a coincidence i received an annual statement on the 12th which stated; Opening Balance : 4572.21 Credits : 2954.68 Interest Paid : 943.52 Interest Accrued : 942.10 Closing Balance : 2581.63 Now here's my question, i want to settle the agreement, and while i understand that there are rules in calculating settlement rebates, if interest is calculated daily then surely the settlement figure would be at or very near the current balance of 2581.63? All i want to know is, is this settlement figure correct? i've plugged the figures into a few websites and arrive at different figures. if its correct then i'll pay it (saving a measly 240 quid but a saving is a saving) thanks leighton

hi, thanks for the reply, thats why i'm questioning it because all of a sudden there's a status of 1 and now a status of 2 because the account went 7 pence overdrawn, even though i immediately brought the account into line once i saw the status of 1 on the file. i'll close the account but i'd like the data removed as well. was thinking that if they didnt have my permission to share the data that would be good enough ammo to get it removed. my credit file is tip top and this is the only blemish.

hi the thread title says it all really. i have a dormant account with St James Place Bank (basically halifax) which i opened in 2001. SJP bank have in the last 10 months started sending my monthly account status info to experian. given i opened the account ten years ago would they have my permission? assuming they dont, can i force the CRF to remove the data?

hi the title says "he owes" because this isnt me personally, but a relative of mine. long story short, he's self employed and VAT registered, and has always been straight down the line with his VAT, as he should be of course. out of the blue he got a letter from HM customs saying he owes 450 on a quarter from over a year ago, pay up or it goes to court. he doesnt have a copy of that vat return, typically, but has redone that VAT quarter to prove his figures and the VAT due was 50 quid which he paid way back when it was originally due. its our guess that his handwriting on the VAT return was misinterpreted from 50 pound due to 500 pound due and they think theres 450 owing despite the fact that the figures on the VAT return wouldnt add up. the trouble is that HMC wont provide any proof that the amount is outstanding, they wont send a copy of the VAT return, they wont discuss anything over the phone and they wont send anything out in the post. they just say that the amount is showing on their screen as due and therefore its due. they've now instructed fairfax solicitors, who in all fairness are quite reasonable, but they say their hands are tied unless they hear otherwise from their clients. ordinarily, if anyone said "you owe me money" they'd have prove it, HMC seem to think they dont have to. he's spoken to his accountant who suggested redoing that particular VAT quarter but the accountant has also said that in doing so there's a 99.9% certainly that will trigger an investigation which, even though i am sure his accounts are all in order, he is justifiably worried about. anyone have any ideas how to proceed?

Hi there very quick question for you - if i send back an acknowledgement of service to a CCJ claim form i've just received do i HAVE to defend the claim or can i simply change my mind during this time and pay it all and therefore not have the CCJ registered?

hi i got an email this morning from a company and without mentioning any names they say; --------------- We enable our clients to free themselves from their unsecured liabilities by selling their debts. Debts are purchased directly from consumers and companies. For a single payment all rights, benefits and liabilities associated with the debt are transferred to the purchaser. In excess of £20 million of debt has been purchased using this method in the last 12 months. If a lender can sell a debt so can the borrower Under Contract Law if you own it you can sell it The process is quick and easy and can free you from your debt in just two weeks! ------- i dont see it myself but i'm willing to be told otherwise by the folks on here! is this possible, legal, workable etc etc the fee is 450 + 10% of the amount "sold" so on 10k it'll be £1450.

Hi I CCA'd halifax for my credit card back in January 2009, it was ignored. I sent them a reminder letter once the 12+2 expired, they sent me a letter saying it was an oversight and would respond in due course. I had to send them another letter once the 30 days had passed and they sent me a copy of current terms and conditions. I sent another letter - ignored, sent a SAR - ignored, then sent a CPR13 (or whatever its called!) which was, suprise suprise - ignored. I then get a letter from Iqor demaning the full amount outstanding in 30 days I sent them a CCA and to my amazement, a signed agreement turns up which they apparently got from halifax and a letter saying pay up in 30 days. now my question is this, given that halifax / iqor took 9 months to respond with what they claim is a true copy can they enforce the alleged debt and if i write back to them saying they now how to go to court to enforce, halifax commited a criminal offence etc etc whats the likely hood i'll end up in court?

i got caught because the wife, who deals with all the bills etc, called me to ask if i could come home and sit with our 3 year old son who had fallen asleep while she nipped out. i came home, she left, two minutes later theres a knock at the door. i genuinely had no clue as to whether we had one or not, i answered his questions, (with hindsight) stupidly signed his piece of paper (in which he completely glossed over the seriousness of and didnt mention the caution until after he'd filled it in) then he left. i wasnt even watching it, our 3 year old was - i was on my computer working. two minutes later the wife comes home, realises her oops and i get online and buy a licence for the year. time on the inspectors form 15:06, time on the email from tvlicence confirming the new licence 15:27 do you think i should write to TVL? doesnt the licence get backdated to the beginning of the month and therefore i was effectively covered when he called?

hi i've found no concrete answer for this question! if you are stupid enough to get caught with no tv licence (and yes, i was, today) then does the resulting fine leave you with a criminal record? i travel to the USA quite a lot and i read on the web that it means i can no longer travel on a visa waiver for example! i'm kicking myself!!!!!

hi! way too small - i've added links to the files on photobucket - thanks!