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got no money

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  1. .... and now I have just added Albion Collections to my Christmas Card list!
  2. thanks robinredbreast, all is clear. I was so hoping there would be something wrong with this default notice.
  3. Hi thanks for the replys. I haven't actually requested the agreement, though I think it was done online. I will do so now. I think I have found a way of posting DN and DCA letter. Please could someone check dates for me, is the important date on the DCA letter the day it was written or received by me? The amount demanded by Albion is the full balance DN from AA Finance was sent UKMail2 (2nd class I presume) Letter from Albion was sent UKMail1 (1st class?) I have both envelopes. http://i1194.photobucket.com/albums/aa365/gotnomoney1/Defaultpage1a.jpg http://i1194.photobucket.com/albums/aa365/gotnomoney1/Defaultpage2a.jpg http://i1194.photobucket.com/albums/aa365/gotnomoney1/Albion.jpg
  4. thanks robinredbreast for your reply, i will indeed proceed with caution. Thanks for the advice. The agreement is from 2008 so my understanding is that even if there were errors in the original agreement they can be enforced through the courts. No ppi with loan either.
  5. I have now received a letter from a DCA (who I understand to be the in house dca for this bank), on the 9th day following service of my DN, a demand for full payment of outstanding balance some £11000 odd. Does this automatically mean they have failled to give me the statutary 14 days?
  6. Another question regarding this DN please. It states the amount that needs to be paid to remedy the breach £xxx ( which equals one months payment plus £50 of charges, £25 for sending a letter, and £25 for issuing a default notice), is this allowed? or am I clutching at straws now!
  7. I got a little device from ebay for about £20, it is a voice recorder made to look like a memeory stick so very small. Records about 200 hrs on it! It has really got to be put in top pocket though as voice quaility not good enough if in trouser pocket.
  8. thanks for all your comments. In answer to your questions papasmurf- I work for a large well known charity! I use a wheelchair. The comment made was 'every time I see you in your wheelchair i feel like pushing it over'. There is a fair bit of history between me and my boss. A few months ago I reported him for swearing in front of a group of children.
  9. I had a meeting with my boss, and I digitally recorded the meeting without his permission. During the meeting he made comments that are in direct contravention of the Disability Discrimination Act. I am disabled and found his comments quite offensive. I have raised this as a grievance issue with his line manager, I have told him that I made a recording (in case he tries to deny the comments), and gave a transcript of part of the meeting to his boss. He has been suspended pending investigation. I have been told by my union rep that he will not be dismissed. Now the company is making a big issue about me recording the meeting without permission. There is no company policy on recording calls (bet there soon will be though!). Have I breached any law? Can the company make an issue out of the recording without there being a company ploicy on it?
  10. Thanks for your reply harrassed senior, I have read the thread you highlighted, would you know where I can find what the 'prescribed wording' is for a DN? I have tried looking in CCA1974 act itself but cannot find it
  11. Hi, this is my first post and I hope it is the right forum. I have received a default notice, and I wanted to get an opinion on whether it is valid. All is okay with dates etc. but i think there may be a problem with the wording and emphasis. It states- IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THIS BREACH. iF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU. Most of the DN's I have seen on this forum seem to have certain words underlined like this IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THIS BREACH. iF YOU DO NOT TAKE THE ACTION REQUIRED BY THIS NOTICE BEFORE THE DATE SHOWN THEN FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU. My question is does this underlining make a difference? And if so has anyone successfully shown in court that it is a defective DN on this basis?
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