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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, (this is what you reminded me of on another thread) but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check if I am still a member of the scheme, and if I am I will discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
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Mercantile/Barclay PPI


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Hello

I know I had taken out loans when younger to buy car /bike but was long ago 1989 to 1994

 

No longer find any paper work

 

I had made note occasional in my diary those years when needed and put them on to outlook on computer

 

Some of the events

02/05/1990 Mercantile £4K , 5yrs protected £127.84 Premium £17.10

16/02/1992 £9,500

7/1/1992 £2500 , 4yrs £133month

I even have the dates that contacted bank about my direct debits

dates when i took the loan paperwork into Manchester

My notes state I even had letter from their solicitor when had few issues but made no note who they were

I eventually paid all loans off several years later

 

I found out that Mercantile was taken over by Barclays

 

So I filed for complaint on 11 July 2018 this year with my old address, dob , and the 3 dates referring to the loans

 

I have received letter 3 days later after calling them by phone with 4 ppi references to use instead of complaint reference.

 

Cannot find any loan under my name , address , dob

 

Sorry with finding your account we cannot investigate so my complaint is closed.

 

Called them today and explained my outlook notes , they have asked for that list to be sent.

 

Stated that they only keep records 6yrs , so am curious how do I make claim and prove when i have all these dates if internal records are just 6yrs.

 

Am I correct to assume that successful claims seems to be actual statement or loan account details

 

Even call credit group checks don't have my old original address

 

Do I give up ? What else can I try , I feel sending my list in wont help if they cant even find my name and address

 

Help and info appreciated

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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If they hold information back to 90's

 

What should I do even they said cannot find my details.

 

I guess they are expecting me to provide proof the avoid any pay out ?

 

Can I use an SAR and submit £10 cheque without any account numbers , or am i wasting my time because the response be the same with Barclay via PPI complaint.

 

Do Lloyds bank keep statements that far back on personal accounts?

 

Would I be best contacting someone directly at Mercantile/Barclays instead of complaing with those dealing with it by letter

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Ah so you've not actually made an SAR yet

Its a legal requirement they comply...

 

Just sent a speculative letter/claim?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I just called them up on my text phone because i am deaf and asked to make ppi complaint

 

Gave them name, address , DOB and those 3 dates when i thought i had taken out loans .

 

And they replied back with in few days saying they could not find any details.

 

Can I send SAR template without account numbers details ?

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Its free now

Click SAR

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Little confused

 

I have Copy Of my credit file from Callcredit that I get 2yrs ago which has about 50 pages

 

lists my present address from 2008 to 2014

lists my other address 1993 to 2007

but the address for the loans at my first address is not listed , my credit file pre 2007 WHO has this info?

 

This credit file is this what you call SAR ?

 

But my address from address from when I was born till i took out the loans with Mercantile/ Barclay late 80 early 90's is not listed on the file

 

On this credit file I have noticed no details anything connected to my address from 1993 to 2007

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A crf report is not an SAR

Click it go read it

Old stuff drops off your credit file

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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