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bozalt

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  1. Shame they dont live in the same reality as us, it is always sad when the little man loses.
  2. Thats terrible, surely that cant be correct and they must be able to appeal?
  3. Ha ha what a coincidence, strange that a huge banking corporation would use Access rather than a bespoke package unique to the banking industry!
  4. Glad to hear you are well Andy. Copy default screen shot attached. IMG_5745 (1) Redacted.pdf
  5. Thank you Andy sometimes it is hard to see the wood for the trees, I appreciate your guidance and I hope all is good with you.
  6. Thank you DX100UK, I can post now. After a period of quite I have now received the attached letter from Restons enclosing a screen shot of a default notice and a copy of a notice of assignment asking me to withdraw my defence or they will apply for judgment. They have still only supplied an 'application form' and incomplete terms and conditions, I have recently been made redundant again so this is a concerning development. I would appreciate advice regarding my next course of action.
  7. I received a further letter this week giving me a further 14 days withdraw my defence, pay up or provide a settlement proposal.
  8. Thank you DX the last action prior to this letter was my defence being filed. It is a welcome relief from the stress to hear this advice, I will wait and see what they do next also I think you are correct more and more people are challenging thanks to being more informed via information from this this site and the DCA's are feeling this. Incidentally I checked my SAR from HBOS and this particular credit agreement was not included. Enjoy the rest of your evening.
  9. The agreement references a branded card that I have no recollection of but I could have done, I had around 18 credit/debit cards when I was made redundant ten years ago. The second page are the T&C's they advise are relevant to the application Page shown on Page 1 as provided at the time of execution, these are illegible in some places. They claim the reconstituted agreement incorporates the original T&C's and these have numerous clauses referenced. After revisiting older threads the original agreement which they have suddenly happened upon despite not being able to provide previously, does not appear to be enforceable.
  10. The just sign here section has a signature that looks like mine
  11. Hi DX & Andy I hope all is well with you. I have received a letter advising a response is required by 28/11. The letter includes the attached document purporting to be a signed credit agreement together with a previously supplied reconstituted agreement, statements 06/15 - 11/16 and copy letters issued 8/16 - 3/17 and terms from account closure date(2008). [ATTACH]74050[/ATTACH] Would you be able to provide any guidance in order to allow me to continue to defend? Many thanks Sorry CAG isnt allowing me to upload PDFS and the PNG's are not working correctly. I hope these are legible.
  12. Thank you both, it is reassuring to hear this news.
  13. Hi Guys Hi Chaps Hope you had a great weekend. I received this letter over the weekend, which seems to be an admission that they have no case at all? Is this normal? Thanks Restons_Page_1-rotated.pdf Restons_Page_2-rotated.pdf
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