Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1

    Default IQOR numptieschasing sainsbury's CC i never had!

    Today I received another letter from Iqor regarding a sainsburys visa card I do not and have never held.

    Supposedly issued by Bank of Scotland,

    contact was made with the bank in writing complaining about wrong info given to Iqor.

    Bank admitted they had made a mistake and Iqor were told of the error and would not contact me again.

    Bank also paid compensation for the error.

    Seems Iqor are totally stupid,

    can't read or understand instructions from clients as they are still contacting me.

    Very stern letter now en-route to Iqor and copy to Trading standards and fosicon.

    Any further advice I can follow, Your comments would be appreciated.


  2. #2

    Default Re: IQOR numpties

    Another strong letter to the bank and another compo cheque?

    Illegitimi non carborundum
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  3. #3

    Default Re: IQOR numpties

    IMHO, it is very likely IQor that you should now be leaning towards.

    Make sure that your credit records are not being affected ?

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    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb 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.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  4. #4

    Default Re: IQOR numpties

    The Letter should be addressed in this instance to the Data Controller.


  5. #5

    Default Re: IQOR numpties

    I think I would want to be making a bigger fuss, Brig. Send to their Head office/ Registered office !

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb 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.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  6. #6

    Default Re: IQOR numpties

    Why not indeed, just dealt with a not dissimilar situation via a CEO who passed straight back to compliance and data control


  7. #7

    Default Re: IQOR numpties

    Oh dear !! Even headed Official Complaint ?

    Please consider making a small donation to help keep this site running
    Click here to donatehttp://www.consumeractiongroup.co.uk...ages/link3.gif through PayPal (opens in a new window)

    Uploading documents to CAG ** Instructions **

    Looking for a draft letter? Use the CAG Library
    Dealing with Customer Service Departments? - read the CAG Guide first

    1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE
    2: Take back control of your finances - Debt Diaries
    3: Feel Bullied by Creditors or Debt Collectors? Read Here
    4: Staying Calm About Debt Read Here
    5: Forum rules - These have been updated - Please Read


    BCOBS

    2: Does your Bank play fair - You can force your Bank to play Fair with you
    3: Banking Conduct of Business Regulations - The Hidden Rules
    4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly
    5: Fair Treatment for Credit Card Holders and Borrowers - COBS



    Advice & opinions given by citizenb 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.

    PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
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  8. #8

    Default !st Credit ex BOS AA credit card

    Requested from AA a true copy of agreement under sec 77/78 CCA1974.


    They generously replied with a set of terms and conditions and a photo copy of an application form signed back in the early 1990s


    stating these coply with the 1974 act and subsequent legal decisions.


    Your thoughts and comments would be much appreciated.


  9. #9

    Default !st Credit ex BOS

    Morning

    Recently received letter and assignment notice from 1st crediticon regarding an AA CC BOUGHT FROM BOS. Replied that BOS 4 years ago could not produce CC agreement relating to the account. Are they (1st crediticon ) stuffed.


  10. #10

    Default Re: !st Credit ex BOS

    Quote Originally Posted by Boltmaker View Post
    Morning

    Recently received letter and assignment notice from 1st crediticon regarding an AA CC BOUGHT FROM BOS. Replied that BOS 4 years ago could not produce CC agreement relating to the account. Are they (1st crediticon ) stuffed.
    No. They can still chase you for the debt and update your credit record to include their details against the debt. They can even try to enforce in court, but if the CCA was issued before April 2007, they would need the original. But of course you would defend any such action and make them produce it to avoid a default judgement.


  11. #11

    Default Re: !st Credit ex BOS

    Hi unclebulgaria 67

    Account is from 1994,
    been through 5 DCAicon's and one group of solicitors
    all of whom have backed off when confronted with letter from BOS stating no copy of original agreement and would therefore no pursue claim.


    All BOS can produce is a recon agreement ( of whatever date ) and a set of T&C's again date of ?


    Account has also been in the past mistaken for a Sainsburys CC by BOS and one DCA which cost them 100 in compensation.


  12. #12

    Default Re: !st Credit ex BOS

    Quote Originally Posted by Boltmaker View Post
    Hi unclebulgaria 67

    Account is from 1994, been through 5 DCAicon's and one group of solicitors all of whom have backed off when confronted with letter from BOS stating no copy of original agreement and would therefore no pursue claim. All BOS can produce is a recon agreement ( of whatever date ) and a set of T&C's again date of ? Account has also been in the past mistaken for a Sainsburys CC by BOS and one DCA which cost them 100 in compensation.
    Just send them a copy of the BOS letter and suggest that they don't pursue this any further or you will start a complaint with regulators.


  13. #13

    Default Re: !st Credit ex BOS

    Before I have had chance to send them a copy of letter BOS letter stating no agreement,


    1st have today sent me a letter offering 30% discount if I pay NOW.


    Seems they may have worked things out for themselves I think.


  14. #14

    Default 1st Credit BOS Credit Card

    Good evening to all,

    Today received a lettericon and application form and set of terms and conditions from 1st crediticon regarding an alleged debt on a credit card

    the last payment or acknowledgement being Jan 2010.

    Been through several DCAicon's before this outfit who claim they now have all rights ect., since June 2015.

    Have written back to them stating no acknowledgment of the debt which I believe now becomes SB in Jan next year.

    These people are incredible as all previous DCA's have backed away when advised that the OC admitted that they do not have
    and cannot produce a copy of the alleged original agreement.

    Hope I am right about the SB bit.


  15. #15

    Default Re: 1st Credit

    1st crediticon are well known for stating they have a correct copy, but upon inspection lacks in multiple areas.

    When did you take the credit card out?

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  16. #16

    Default Re: 1st Credit

    Hi Renegadeimp,
    It is regarding a credit card from the early 90's


  17. #17

    Default Re: 1st Credit

    Then they DEFINITLEY wont have the original. Especially since no other DCAicon or even the original creditor could get it. And they will need the original to do any legal action on it.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  18. #18

    Default Re: 1st Credit

    Whos the original creditor please
    Dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  19. #19

  20. #20

    Default Re: !st Credit ex BOS AA credit card

    threads merged


    please keep to one thread per debt


    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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