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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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Manchester meet - Moon Under Water - Deansgate - 12th March 2010 - 7.30 pm


Ellie May
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So do we meet at the Travelodge as I will be getting to Manchester about 5.30 tomorrow.... looking forward to the trip. I had a good day out today and got back to a nice package of smellies to use... will have a nice relaxing bath later on.

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Just checked on the hotel link and it says it is nearly full... I suppose I could always crash at Steves...

 

Tried to change my booking to a family room to take more peeps, but there were none left. :(

 

I'm at work tomorrow so won't get there until a bit later, so see you all at the pub.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I'll see you all at the pub:D

My fight so far:

 

hunni2006 V Halifax Bank: Charges £963.11 refunded nov 2006:D

Cabot financial V hunni2006: defending court summons, ongoing... July 09 :-x:-x:-x don't even get me started about them....grrr still battling

 

hunni2006 V Capital One: SA request & CCA issued, ongoing.. July 09 OC 'checking the archives...' Sept 09, no agreement, files closed!:D

<<<<<<<<<<<<<<<<<<<<<<<<<<<<<< please feel free to tip my scales if I've been helpful!

:DLearning more, every day.....

 

I have No legal training, any opinions and advice posted are entirely my own opinion, and based on life experiences and knowledge gained on this great site. Ultimately, what you do is up to you.

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Must have been a good night shame I missed it, thats our Manchester hospitality for you.

Mind you I was already dressed, paid to have the har done and ready to go then I end up 6 hours at A&E with neighbour who has no relatives nearby, fractured her arm now I reckon I'm definately sure thats my last good deed for the year, previous one was doing the shopping for the oldies on the street when we had the snow.

DG

I have no legal training my knowledge comes from my personal life experiences

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It was a very good meeting, 15 inch Johnnie and Ossie put in their apperances, I didnt get to bed til about 3.30.. the day before I did a lot of wandering around central London with a visiting American friend so I am knackered, not long been back.

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Geoffrey here! Lol

 

 

I had a fab time in Manchester. The venue was perfect for our meet.The evening weather was also perfect. Hunni and Dad were there and again we had wonderful conversation.

We had the option of sitting inside or outside with the wall heaters keeping us cosy. Walking stick safe! We ate and drank fine beverage. Thank you Hunni and Dad for buying drinks.

 

 

There were ten attendees and hope in the future more Caggers will join us.

 

Termi

 

X

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Shame you missed a good night Dave and ozzy. Next time maybe.;)

 

Also next time I'll have to try and make sure I don't have to rush off quite so early next day. :rolleyes:

 

Well worth going though as there was plenty to celebrate.:D

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 5 months later...
Hi everyone:

When is the next meet up

please

 

 

 

 

 

 

The next meet up is when ever and where ever we wish it to be, there has been talk of London but it could be anywhere. People like to meet up with other people because it gives them a purpose to share something which is benefinical which to my way of thinking is good for human kind. I wish to propose Sheffield, for christmas.

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