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Hope you can folow these sums??? sparkie If a default charge is added to the balance of say £25 The first month interest compounded would be £2025 plus 2% ===£40.50... ..==£2065.50 next month £2065.50 plus 2% ==£41.31 ====£2106.81 the Act says that simple interest must be applied to the default sum of £25. The creditor would have to show on your statement this calculation Balance £2025 contract interest on £2000.………..£40.00 balance £2040 £25 Default charge interest at 2% ===0.50p Balance owing £2065.50.……. Next month it would have to show Interest 2% 0n balance of £2040 ==£40.80 £2080.40 plus £25.50 ===£ 2105.50 plus 0.5

Hi, sounds like you are in a pcikle. Phone the DPS find out if your deposit is registered. then post back here and we can go from there. 3 weeks without hot water or heating is unacceptable and you must be compensated. It would have been a good idea to have involved enviromental health, they would have helped. If your deposit is not held in DPS then I would suggest to your Landlady that she repay your deposit immediatly or you will take her to small claims court for non compliance of TDS and will sue her for 3 x your deposit. Hope this helps.x

As you started this in 2007 i would imagine they have now closed the complaint they usually do after 6 months. All is not lost though as you will have to start again from scratch, Do you have all the statements if so good as this was a co-op/smile credit card the ppi premiums would of been added monthly as a % of the balance all you need is all your statements then you will now exactly how much is to be refunded and can send in a complaint letter straight away. If you do not have all the statements you will need to send of a S.A.R letter to get hold of all the documents they hold on you. For this you will need to enclose with t

Great stuff. They so expect you to be scared of them and so often go to court thinking they will walk this one - I love it when a plan falls apart and have been there on more than one occasion:D Power to the people.

I have found some paperwork from click finance.....drop me a PM if you need any help....

sorry to sound so American...but ...SWEEEET:D

Scan 1 in post 1 contains no prescribed terms, and even says the terms are in another document (not acceptable). Scan 2, There is nothing to say this is part of the document you signed, so is irrelevant IMHO.

Bit of an exaggeration there. Yes, rats are not the most pleasant of creatures and yes, they spread disease and must be controlled. So do many other wild animals. The whole point of this thread was to discuss the method of dealing with them. A rat can be killed quickly with a pellet gun or spring trap. There is no justification to deliberately cause any animal unnecessary pain. In fact, it is against the law to do so. (See my earlier post) I am of the opinion that anyone who takes pleasure in extending the suffering of an animal has some kind of psychological problem!

Hello Maggiebroom! Alanalana asked me to pop in to see if I could help with a Template Letter to see off Westcots. I regret I have only skimmed this Thread, but my main impression is that you need to take charge of NatWest. They have acted in a wholly disgraceful way, and they are still sitting in the background smiling. The good news is that I think they are probably stuffed, and know they are stuffed, otherwise you'd have had a County Court Claim long ago. Instead, they have unleashed a sorry crowd of DCAs, from Triton, to Interim Justitia, to Debt Investigations Ltd, to Regal Credit Ltd and now those cheeky chappies at

I don't trade letters with them because they don't read them -they just press button X and out comes the next template. I CCA them, wait for their response (or not), then if they send me another template after that it's straight to their complaints department, bypassing the Stepford Wives who deal with the mail.

hi animal lover long time no see i might be able to help on this one i had the run around by hbos, computer generated you need to send an sar in it, they have to include the default notice they say its computer generated in your sar, you will get a screen shot of the default notice, if any take it from me, a lot of companies default with out the default notice, this is comming back to bite them in the ass this is a typical hog wash response, ( we have not got one ) when we get the sar back, follow the advice above. you just have to fight tooth and nail to get it removed and keep responding to there lett

Hi Spikey. Welcome to CAG. It certainly is the best place to be. I suggest that you spend some time reading the FAQs and the step by step guides. That will answer most of your initial questions. When you're ready, start your own thread in the appropriate forum and you will get the advice and help that you need. Regards, Rooster.

I did not say there was anything wrong with being a tree huger, I would also classify myself as the same. I am an animal lover and would not want any animal to suffer and that is why I offered the advice I did. I have been to rat shows (yes there are pedigree rats out there) and do not have anything against them. I have read that you are never more than 10 ft away from a rat. Can't remember where I read it but the point was that we are infested with these rodents and they do spread disease, though (as mentioned above) can be companions at the same time.

Hi GodMother, I'll try and explain in simple terms but someone who works in accounting or a bank would be best qualified, I'll post a couple of simple sums in a few minutes. sparkie

Schrodingers cat- You'll be please to know that I am compassionate to all animals. Whether it be rats or insects or anything. At a place where I once worked, there was a slightly injured pigeon and facilities asked for someone to kill it. After raising my horror the bird was eventually released into Bushes whereby I felt it had at least another chance. With regards to the rats, the point of humane traps is to not kill them but release them at another time and location many miles from where they were caught. To as you state they then are not released but put into boiling water is a hideous act and could only be carried out by an indi

Paying prior to appeal flies in the face of justice, if you lose in court and appeal, the judgment against you is automatically stayed and no enforcement can be taken til such time as your appeal is heard the same goes for a local authority, you appeal and only once your appeal is heard and decided then you become required to pay or not to suggest that you should pay prior to appeal gives the company a argument that you do indeed accept liability and removes any defence that you may have, take ASDA for instance, they have a parking policy that says that you cant park in a parent and child bay without child under 12 now

As requested by whiterose11, I am coming in to give my advice. You should not have to sue the individual, and from the sound of it, if you tried you wouldn't get the money. His wife would have no right to cancel the transaction as it was their joint credit card, thus he had the right to use it. Thereby Paypal had no right to cancel the transaction, and demand the funds from you. The DCA [Robinson Way?] and Paypal are not likely to take you to court, in my experience, because they know they will lose the case. I suggest you write a letter to Paypal which should be sent to; Paypal, Whittaker House, Whittaker Aven

Only a PPC could come up with what is frankly a laughable answer. You try to justify your questionable methods with nonsense, hoping it will fool others. So you have people appealing who are not genuinely appealing? Are they falsely appealing? Are they appealing for the fun of it? Do they even know why they are appealing? Perhaps you should have a quiet word with yourself, and consider how riddiculous your post reads. Do you not see that by asking for money up front, at best your actions would be viewed as suspicious? Are you suggesting then, that everybody who appeals Council issued parking tickets, because payment is not required up fron

Hi Made a few suggested changes for you to consider

Dear Sirs, Account no xxxxxxxxxxxxxx Re: my request under the Consumer Credit Act 1974 Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter. My request remains outstanding. A statement of account with n

send a letter that refers to your previous request for a CCA and that you would appreciate a reply. Short and to the point.

peternet your arguement only holds water (and only a small amount even then) where you are managing sites where absolutely no unauthorised parking should take place, i.e. someone is also trespassing in order to park in the first place. (and yes that would cover your repetitive example of parking on someone's drive coz you never should be there in the first place.) Many of these invoices are issued in publicly accessable places for stupid "infringements" of apparent rules such as "not fully in bay", "stayed 2 minutes over a 2 hour limit" or as has been posted on these forums "parked in a mother/baby bay without a baby seat in car!" etc et

Oi! No they're not. I put a lot of work into them. There are differing views on whether to use them or ignore them but which way to go is a bit like which is the best way to get to Birmingham from London, M6 and M1 or M40?

Correct....In 2004 the OFT warned all creditors and sent out advises and directives about the coming into force of the New Act and to get their agreements and their Act together, but Swift blundered on and took no real notice of the warnings or the Act, with regard to JOsie8's comment that is quite correct also but Consumer legislations state that in any interpretation of the terms and conditions the interpretation must always be the interpretation in favour of the Consumer, and the new section 140 is a cracking bit of legislation sparkie

Hi, surfer, you have my sympathies i have been in a similar position more than once. First dont consider moving out of your home. Ive thought about people in your situation a number of times, and here is what i would do, 1 Open a bank account with a bank unconnected with ANY of your creditors. setup DDs for your priority bills/secured creditors ONLY not the unsecured ones. This is to stop something the banks do called "off-setting", get back if you want to know more. 2 Contact CCCS, this is a free service, it is funded by the bankers but gives advice based on the banking code of conduct. You can do it online or phone.

OK, in the meantime you could make a start on the defence forms and I will draft some text for Q.27 of the forms. Ell-enn

Because there is no 'appeals' process A person not familiar with [problem] tickets may think there is some legitimacy due to their apparently being an appeals procedure, and perhaps would actually think they would get their money back. We know a lot of these companies try to pass themselves off as council-like.

Back in the real world, in case anyone forgets where the real problem lies, watch this...it'll be the best 15 mins of your life. This latest banking Recession will soon fall neatly into place: Money as Debt We need to remove bankers from Politics. We need to re-introduce rigid banking Controls to keep bankers from inflating the Debt Bubble until it is the size of Saturn. We need to bring back real Bank Managers, and sack all of the banking drones/Clerks who cannot make a decision to save their lives. We need to scrap the Credit Reference Agencies (CRAs), because once we have Bank Managers with local Authority, able to