will do this today...

Having problems with the scanner but will at least post a pic of the page in question today.

Again, they've sent virtually all statements since the account was upgraded & in the covering letter referred to a 'payment' of £12 on 25/6/12 which is actually a late=payment fee.

I have nothing on my bank statements at all marrying up with the dates, payments & amounts they are claiming.

Should my approach be to ask them to prove how these 'payments' were made?

Back in on Friday, any help would be appreciated...

yep £12 would tally with that.

silly beggars

yep £12 would tally with that.

silly beggars

It really is..

Regarding the payments listed on these statements earlier in the thread, should I be looking to challenge them to prove where these payments came from?

I've previously asked for details on how these payments were made & haven't received them - would producing my bank statements confirming the payments never came from me be good enough?

Keen to establish my approach for Friday....

need to see the cards they are going to be dealing first please.

need to see the cards they are going to be dealing first please.

It's going to be the statements.

They've produced every statement from 2007 onwards showing payments all the way up to about February 2012, with a covering letter referring to the late payment charge in June as an actual payment (£12)

All they've produced is statements for the credit card piece - they've produced nothing in relation to the overdraft piece as they can't get it. I certainly didn't authorise any payments that would've kept the debt from being statute barred.

agreement please the full CCA return

agreement please the full CCA return

Didn't do a CCA - they don't have the original credit agreement - all they have is a letter with a signature upgrading to the OneCard from the classic Visa.

the rest is just 5 years worth of statements but there are payments listed there that didn't come from me for early 2012.

Again, they've produced nothing at all in relation to the current account

For almost 2 weeks I've been asking to see the page or whatever it is,..........

They have included a copy of the CCA but it's a freshly copied one, not the original one I would've got at the time. Can post the rest of the Credit agreement if need be.

ive taken that down as you left the ref number showing.

can you post stuff up as a multipage PDF please

follow the upload

don't need the statements.

can you pdf please? so we can zoom

but if that's all they've sent ie no T&C's its bog roll

Trying to now.

They have sent t's & c's but they are like a brand new copy, not originals scanned like the above letter..

Sorry for the delay guys, attached...

Scan01032017.pdf

name/ad on pages 2 & page 10

now hidden

Sorry dx - scrambling in work here, rushed off my feet - have blacked out the details.

2 of the CCA documents - 1 has a different address from the other - surely they should both have the same one?

Should I print off my bank statements showing the relevant dates they are saying I made payments to prove I never?

Scan01032017.pdf

pages 1 - 9 are a signed? undated agreement/T&C's from post 2006.at address 1

pages 10 - 14 are an unsigned agreement/T&C's from 06/04? charges are correct [£25} at address 2

Correct. Both unsigned - only thing with the sig is the front letter.

No signatures what so ever on any of the rest of it.

Only signature they've provided is the one from the upgrade letter which for me doesn't prove anything?

Thats because all they have is the original cover letter...the rest is just a hashed up reconstituted version of what is missing.

Andy

You're correct Andy.

They also don't have anything what so ever relating to the overdraft piece.

Only thing that's bothering me is the statements they've attached

- but at the same time, I asked for details of how these payments were made as opposed to being sent statements

- at the time they are claiming I made these payments to keep this proscribed,

I was going through a separation and didn't have a pot to pee in.

Just wondering if it's worth printing bank statements to that affect or if I shouldn't offer this unprompted.

Also guys,

got a letter from 20th of January from Cabot confirming that they provided Nolans with all the information they subsequently provided me with *after* the first hearing

- they had this at their disposal for 14 days prior to the initial summary cause hearing and didn't forward them to me prior to this as requested.

I requested this on the phone from both Cabot & Nolans.

Not sure if it's worth mentioning the above or not.

Should add, too,

that at no stage was any kind of arrangement ever in place for either of these for repayment

- I attempted to do so back in 2008/2009 and was knocked back every time.

pages 1 - 9 are a signed? undated agreement/T&C's from post 2006.at address 1

pages 10 - 14 are an unsigned agreement/T&C's from 06/04? charges are correct [£25} at address 2

Forgot to say - I didn't live at the 2nd address at the point the account was upgraded to the One Card

what does you mean...

you'd moved out by then

or not yet moved in?

I hadn't moved in at that point, at least a year after before I did.

oh dear

proof of that mov in date would be rather damning for them and their made up docs..

Which I can get very easily.

found a copy of a solicitor's letter sent to the older address confirming the move in date so all covered to that extent.

Have loads more at home as well confirming it.

The letter I responded to on front was dated July 2004 & didn't move to address 2 till exactly 1 year later.