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bigkacker

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  1. This is typical of Northern Rock, I would write to them explaining that you are not prepared to be bullied into accepting anyting untill you have your SAR. I would also raise a complaint as you are clearly being treated differently for simply making a compliant this contravenes FSA Treating Customers Fairly Guidelines
  2. Hi, I might be able to help you with this one as I worked for Northern Rock Plc and NRAM when the company was split. If you took your loan out five years ago with Northern Rock Plc you need to make the claim through Northern Rock Plc and not NRAM as the debt will never have pased to NRAM when the company split into good bank/bad bank. As for Virgin money chariging 30% commission, tell them to do one.
  3. Hello all, I sent a letter to Barclaycard three weeks ago requesting the sum of £392.28, the charges + SAR fee and two recorded delivery letters. I nearly died of tonight when I came home from work to find a cheque in the post for £392.28 which they settled in full after recieving my first letter. All I have done differently is wrote directly to John Varley their CEO. I then recieved a letter from a Customer Relations Manager in the Executives Office. Simple. I really can't believe they paid out with such little fuss particularly when I have heard other banks getting solicitors involved to defend claims etc...
  4. OK don't listen to me, I know nothing the past three years of my career were all an illusion, I must have dreamed it!! Go ahead, get your CCA try to challenge it. You people are quick to jump on the band waggon about your rights but rights come with responsibilities. If you owe money you pay it back, if you can't afford to pay it back come to an arrangement with the DCA in question. The bottom line is they can take you to the highest court in the land but if you are a legitimate person who has genuinley fallen on hard times they can't physically get more than you can afford. If you are looking at any way possible to get out of paying back money which you know you owe, I have no sympathy for you. Four years or so ago when this site was set up, we helped people!!! We did not give out incorrect advice to vulnreble people and we did not look for any way possible to try and get people to boycott their responsibilities. I suggest you go to the Consumer Credit Counselling service or take professional advice from your local trading standards!!!
  5. Yes and at which University did you get your Law Degree from?
  6. Yes and the vast majoriy of people who I have seen end up with a CCJ whilst working for a DCA will have sent us a template letter from this site at some point. Sorry I am just trying to give you a bit of unbiassed advice here, DCA's may well be a set of **EDITED** but this does not stop them from taking you to court. Could I also just ask on what grounds are you disputing your debt? or are you just asking them to prove it? IS there anything else you are disputing the debt on?
  7. OK I am telling you for a fact, A Debt Collection Agency can go for a charging order in order to secure their debt to your property. Regardless of weather or not you are paying them. I wish I had been given a £ for everytime I have watched it happen. I'm not in the game of trying to decieve you or make you pay your debt because quite frankly, I don't care weather or not you pay it or not. A DCA is out to make money like every other business and will do anything they can to do so. By all means get the CCA. All I am saying is do not expect this to be the end of all your problems. The debt is only two years old so the chances are they have got a valid CCA. From the point of view of the DCA if I was in their shoes and you owed £7,000 and were looking at any way possible of getting out of it, I think a charging order is a sensible and viable option for them. That is not to say if you come to an arrangement with them they will stop proceedings. However, if you do this give them an Income and expenditure form from the CCCS (stay away from CAB, they are overrun with cases at present and will take you months to get an appointment) this will back up your case and prove you are being reasonable with them. Make sure you deal with them in writing only.
  8. In short yes! They can put a charge on your house, they would need to take you to court first of all to do so. For a debt of 13K I would be very carefull because this is the kind of balance a Debt Collector would want to get secured upon your home. Many Debt Collectors will enforce Judgement via a charging order regardless of whether you are paying or not. This secures their interest, also because the debt was taken out after 2006 they are within their rights to apply post judgement interest. You could CCA them, however because the debit is only two years old there is a good chance they will be able to provide an agreement and enforce the debt. They will have tracked your adress using your Experian file most likely which will link from your old address to your new one. They are entitled to trace you provided they do not break the law in doing so. It is a simple matter to see if you own your own home, they will simply do a land registry search of your address which will say who the proprietor of the property is. My advice to you would be to acknowledge the debt and come to an affordable monthly payment plan with them. You may be lucky and they may not have the agreement but this will antigonise them. You have admitted to the debt in your first posting. On the same subject do not take any **** from them, make sure you pay what you can afford and provide them with an income and expenditure form. If they reject your offer of payment then they will most likely get a charging order against you. I know this is not what you were wanting to hear, but I am just being honest. There are far to many people on this forum who have ended up with Bailiffs at their door because they boycotted their debts on the advice of somebody in this forum. It would be foolhardy for you to defend any claim on the advice of a total stranger in a web forum. If you know you owe them the money fpay it.
  9. I would tread very carefully with this one if I were you. This does not sound like a Debt Collection Agency at all this sounds like a [problem]. I have worked for several Debt Collection Agencies and never have we contacted a customer by e-mail. Also ask your self this. Which Debt Collection Agency in the right mind would send a letter/e-mail to a debtor stating that the debt is statute barred and unenforceable and that they have no credit agreement when asking for payment. I would not even grace this with a reply.
  10. Hi I sent my SAR off to Halifax last week I am planning on claiming back all penalty charges on my Halifax Visa card which has been paid off in full for several months now. Has anybody else done this and if so can you let me know what to expect from them?
  11. Hi there can anybody help me with this (this is a long story). In 2004 I took out a Natwest Mastercard everything was going fine untill I set up a standing order to pay £80 per month. THrough my own error I set the standing order up with the incorrect sort code and for three months the standing order left my account and then went back into my current account, subsequentyly Natwest were not being paid during this time. The matter came to my attention in August 2005 at which point I called Natwest and cleared the arrears infull immediately. In August 2006 I lost my job and again fell behind on repayments. I have since caught up with the arrears and settled the account in full. In February of this year I was declined an offer of employment with another bank because of a default on my credit file from Natwest going back to August 2006. Having written to Natewst on several occasions I am no further forward. They claim to have sent the Default Notice in July 2005 and by their own admission did not send a Default Warning Notice for the Default issued in 2006. Natwest refuse to remove this default but have marked this on my credit file as satisfied, this is not acceptable. I am now claiming back my charges and have sent them the SAR, is it worth requesting the default to be removed as part of my court claim (if and when it comes to that)?
  12. You are doing better than me. I am having similar problems from Natwest. I had a default applied to my credit file in 2006 which I knew nothing about untill thes year, never recieved a default notice or anything. I wrote to them and asked for original CCA and Default notice and was told that I was not entitled to this as the debt was paid off, after four letters they sent this information. I am still no further forward, looks like I'l be going to court.
  13. Hi, Unfortunately companies are allowed to refinance like this and are perfectly within their rights to charge a 75% APR. The most likely reason for the increased APR is due to the follwoing facts: The cost of financial institutions borrowing money from one another on the wholesale market is more expensive due to the financial risk involved increasing to the institutions. Your friend may also be deemed as a higher risk due to his circumstances and because their is a much higher risk now than there was a year ago due to the downturn in the economy. Because of websites like this making people aware of their rights, it is also very unlikely that the credit agreement will be unenforceable as most lenders have tightened up their criteria. If your friend is still within the 30 day cancellation period he may be able to cancell the loan and pay back the proceeds but may be liable to any arrangement fees etc...
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