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    • Participants can get £50 - but must permanently consent to the retailer using their personal data.View the full article
    • 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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      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.

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Help Needed regarding unfair charges.


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Hi all ,

 

I'm sorry if this doesn't make sense but i haven't got a clue on which way to move forward with my claim , I'm currently unemployed and in debt by a substantial amount and could do with financial help so a friend informed me she recently managed to get hold of the last 6 years of her statements and highlight every time she'd been charged and send it off using the template she found but the natwest one , and informed me that i sould do the same , i have recently read through the site and called the informed number at the bottom to find out more info and the lady at the other end informed me that they'd send me all the forms i need to claim back any charges but I'd need proof of anything/ everything for the last 6 years to claim.

 

With me not having such information I'm unsure how to pursuit when the forms come to me , sould i go and ask for the 6 years worth of statements from my branch and post the letter from the above site or can anyone inform me of how to handle this.

 

Any help would be muchly appreciated

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we carry all the necessary templates on the site. Go to our library and you will find what you need.

 

You need to send an SAR which requires that they provide you with all the information you want within 40 days. They have a statutory obligation to make this disclosure to you under the data protection act. It will cost youu £10.

 

You can use the SAR template for any bank or any other institution that you have had dealings with.

 

One thing of importance -- you have not been correctly informed about claiming six yearss. You can claim as far back as 1995 so if your account history takes you back beyond six years then make sure you get all of your data as far back as it goes and in any form. If your SAR limit itself merely to statements then you may well find that you will get six years worth of statements and a letter saying that they don't hold statements going any further back. This may be true. However they hold your account information in other forms going back a very long way.

 

Get everything and get claiming

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