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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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RBS: How to claim compensation and repair your credit rating after IT glitch


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Credit reference agencies have warned that late payment of bills can make it more difficult and more expensive for consumers to borrow money in the future and that people will have to be able to prove any payment problems were caused by the banking glitch. James Jones, head of consumer affairs at Experian, said: “It is perhaps yet to sink into the public, the potential ramifications in terms of adverse data about repayments. “If any payments are delayed, you really need to have a conversation with those creditors.".

 

“Many organisations now share data. It’s not just traditional lenders but mobile phonelink3.gif companies, utilities, broadband providers, mortgages, hire purchase agreements.” Mr Jones added that lenders should allow seven to 10 days before recording a late payment. Meanwhile, Neil Munroe, executive director of Equifax, said the agency was anticipating “more disputes” about missed and late payments.

 

Experian can be contacted on 0844 481 8000 or at experian.co.uk

 

Equifax can be contacted on 0844 335 0550 or at equifax.co.uk

 

Callcredit can be contacted on 0845 366 0071 or at callcredit.co.uk

 

Make a list and keep receipts

 

The Financial Ombudsman Service (foslink3.gif) has warned that the knock-on effects from the computer meltdown could take some time to rectify. FOS spokesman David Cresswell said there would be a “ripple effect from the original problems”. He urged consumers to keep a detailed record of all their transactions, including receipts, late payment penalties and overdraftlink3.gif fees. “What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: ‘This is the complete picture, how can you help?” he said.

 

How to complain to the Financial Ombudsman

 

The FOS advises that complaints should be made first of all to the bank or company concerned. They have eight weeks to look at the problem. The FOS can contact the business on the customer’s behalf. It added that it may be able to provide compensation to some consumers if the bank is unable to resolve all disputes on its own. The Ombudsman can be contacted on 0800 023 4567 0800 023 4567 or at financial-ombudsman.org.uk.

 

Beware of e-mail [problem]s

 

Many of the Natwestlink3.gif, RBSlink3.gif and Ulster Bank customers affected have reportedly been targeted by fraudsters following the banking calamity. According to the Government’s Action Fraud centre, phishing e-mails are in circulation, claiming to be “security upgrades” and asking people for their account details. People are being urged not to click on any links or attachments in suspicious-looking e-mails. The RBS Group said it would never contact anyone in this way to ask confidential details.

 

Bank contact details

 

Customers experiencing problems can contact RBS and NatWest on:

 

0161 931 9959

0800 656 9639

0845 777 7766

 

If you’re calling from overseas the numbers are:

 

NatWest +44 (0) 8705 88444

RBS +44 (0) 13154 98888

 

Ulster Bank customers can cal:

l

Republic of Ireland 1800 205100

 

Northern Ireland 0800 231232 0800 231232.

 

Rememeber you demand that your credit file is cleansed of ALL entries. If you found a late payment on your credit report, take it up with the lender and if they refused to remove it, you could of course add a statement to your report (called a notice of correction) to make sure anyone using the data in the future is fully aware of the circumstances.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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