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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Results 41 to 51 of 51
  1. #41

    Default Re: been paying Gregory Pennington 12yrs now

    Quote Originally Posted by Simon1959 View Post
    Had a letter today from Next reference the above quote
    It says
    According to our records your debt remains unpaid
    We are currently preparing to sell this debt to an external debt collectionicon agency who will legally own the debt following the sale
    If we do not here from you by 14th October your debt will be sold
    I take it I just ignore as I still have no signed credit agreement from them
    good luck on buying the lemon debt then Mr DCA
    I bet next wont tell you its devoid of an enforceable agreement...


  2. #42

    Default Re: been paying Gregory Pennington 12yrs now

    Quote Originally Posted by Simon1959 View Post
    And this has now gone up to 60% discount
    give us something before we have to realise we bought a lemon.


  3. #43
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Dec 2011

    Posts
    114

    Default Re: been paying Gregory Pennington 12yrs now

    It's all happening today Arrow have sent my 1 postal order back saying they don't charge for CCA requests


  4. #44

    Default Re: been paying Gregory Pennington 12yrs now

    they think that absolves them from having to fully comply with the CCA.
    it doesn't!!


  5. #45
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Dec 2011

    Posts
    114

    Default Re: been paying Gregory Pennington 12yrs now

    Another letter from arrow
    Acknowledge our request for a signed credit agreement
    Also that we do not accept that we are the creditor as envisaged by the consumer crediticon act 1974
    However we are willing to assist in obtaining that which has been requested
    We will now process your request for documentation from the credit and will revert in due course
    We confirm all collection activity will be suspended pending provision of the documents


  6. #46

    Default Re: been paying Gregory Pennington 12yrs now

    Again a std reply for arrows if you go read any arrows cca thread


  7. #47
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Dec 2011

    Posts
    114

    Default Re: been paying Gregory Pennington 12yrs now

    Quick update Cabot appear to have purchased the Next debt 160 and look forward to hearing from us
    This next one seems to being passed about well since CCA d Next
    I take it I just ignore Cabot


  8. #48

    Default Re: been paying Gregory Pennington 12yrs now

    Nope. Just cc a them. Cabot can get pretty litigious over lemon debts. They hope to get judgement by default.

    Cca them and you know they can't reply.


  9. #49
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Dec 2011

    Posts
    114

    Default Re: been paying Gregory Pennington 12yrs now

    Yep ok thanks will do


  10. #50
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Dec 2011

    Posts
    114

    Default Re: been paying Gregory Pennington 12yrs now

    Wescot are offering a discount on the Santander debt if we ring them to discuss it 🤔😁


  11. #51

    Default Re: been paying Gregory Pennington 12yrs now

    help our cash cows are leaving us in droves...


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