Hi and Welcome Sorry that you have been ill and I understand what it's like when someone has cancer everything else is put to one side, I had my OH having operations galore last year and the early part of this year and it is the last thing you want. The main thing is the health of you and your OH. You need to report them to the OFT and Trading Standards even your MP if you think he can help. Don't answer the security questions when they ask you. Also if this card is only in your hubbys name they should not have discussed anything with you due to the Data Protection. These idiots prey on people like you who want to do the right th

You don't get a credit agreement with overdrafts - they are not covered by the CCa 1974 in the same way as loans and credit cards. They are the behest of the bank and can be withdrawn by the bank at anytime. All you can do is check if there are any charges you can reclaim then make an offer to repay at a rate you can afford.

It will be classed as income. However, when you own a property and do not live in it, the responsibility falls on you to inform the council who your tenants are. If you do not, you are still held liable for the council tax on that house. The council will not take into account property where it is: Your home (which you live in) Your previous home if it is up for sale Any property you own where an elderly or disabled relative lives Any property where work is being done to make it fit to live in A future interest in property. If you are taking legal action to occupy your home Money from the sale of your property, for a

Do not sign the form, but take it to your local County Court, where there will be somebody available to witness your signature. No fee and no appointment needed. Inform the bailiffs that you have filled out an OOT stat dec.

You can return the goods at any time.....regardless. The only difference being is if you have paid less than half you MAY be liable to pay up to that amount. The same goes if you have paid more than this amount - hand them back at any time (without penalty though). The OSC apparently guarantees your payments BUT you are also told you will get you item back - this is utter codswallop - you get what you are given. The service department does need improving - how can BH justify keeping an item that needs repairing for 8 weeks yet STILL expect the customer to continue with the weekly payments - in essence they are paying for something th

It's a pity it won't be retrospective tho', that would put the cat amongst the pigeons. The consultation papers are similar to this which was originally mooted years ago LIMITATION OF ACTIONS http://docs.google.com/gview?a=v&q=cache:BFuTyhs5r4cJ:www.lawcom.gov.uk/docs/lc270sum(1).pdf+limitation+act+consultation+paper+uk&hl=en

Glad to see that you are sending the CCA. If any payment is due in the next 14 days I would send it, but once they are 12 + 2 days into the CCA request without producing a valid Agreement then the account is 'in dispute' and they cannot take any further action (including letter writing or telephone calls) until and if they produce a valid CCA. Most people on here are still waiting for a valid CCA from Crap one. That is not to say they will not send you something and state it is the legally required documentation, but if and when that arrives, remove any identifying information and post up here and we will be along to help you further

Yep Drob, N1 everytime Some MCOL claims are getting stayed by some courts in the mistaken belief that they are bank charge claims. We'll keep FOS in reserve Lex

johnnymitch: I've just come onto this thread. I've had a lot of experience in suing companies for breach of contract and lack of refunds. Whilst I know a bit about banks, my area of expertise is not so much about banks. So if you need any help, feel free to just ask (I'm now subscribed to this thread). I suggest, just in case, you post your draft Particulars of Claim ("PoC") up here to be proofed. As for being a Lay Representative, which is the official term for a McKenzie Friend, if you're in England & Wales that shouldn't be a problem, providing the Claimant attends with you. This has already been answered, but I'll try t

Hi, Amend this........... ACCOUNT IN DISPUTE Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2009. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original creditor/DCA** are now in default of my Consu

You're just too quick :-D S.

I'm afraid I know of no firm that takes over your financial matters en bulke in this way. There are ones out there that will take over specific accounts if the agreement is in their eyes deemed unenforceable but do you really want to lose control on such an important matter. Most of these an upfront payment is required to "investigate" your agreement first. Any letters stating the agreement cannot be found are gold dust by the way. Whilst it may seem you have to deal with them all at once, it might be an idea to open up a thread for each agreement, post up what they have sent back (scanned in and personal info removed) and then we

hi and welcome to cag. forget EON they are not interested and will not help as the debt has been passed on. do not call them again they have already confused you by arranging a repayment plan,which was not going to happen,all they have done is waste your time and money. stay of the phone to bcw. http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt send them this make them prove the debt and that they have the right to collect. send recorded do not sign (print your name) If they can prove the debt and YOU are satisfied,and YOU want to clea

Hi Vuk, Any litigation involving BC must be properly addressed as per the link I posted above. The Respondant in this case is "Barclays Bank PLC -trading as Barclaycard" and you must quote their London HQ address. You could contact the court, if you made the Application in the last few days, and ask if you can amend the details. Otherwise, you may have to amend with a further form N244 which will cost you more. Contact the court Friday if you can.

Post removed from original thread and used to start a new thread.

No problem, and welcome to CAG I think the first thing will be to find out if you had insurance on that first loan that they 're-calculated' for you that you could have claimed on instead....and see what your agreements say

Hi there..i'll alert a mod to start a new thread for you, so you get the personalized help & assistance.

1. Are all workers entitled to the increased holidays? Yes this is the statutory minimum required by law, this amount (5.6 weeks) started this tax year last year it was 4.8 weeks a year. your current contract is only 4 weeks a year. 2. Have I, by signing a new contract each year, unwittingly opted-out of the increased entitlement? No if a contract of employment doesnt comply with the statutory minimum then those terms become invalid even if you hav signed and agreed to them. 3. Can these changes be enforced. if you mean changes as in you getting 16.3 days a year then yes, if your employer refusses then they are breaking the law a

Hi St leonards. Ok had a quick look through your thread and where you are up to.You have to submit your defence by 2nd August 2009.I would advocate something along the following lines:- Defence I St Leonards make this statement as my defence to the claim brought by Sygma Bank Uk 1.The claimants particulars of claim are vague and fail to disclose any cause of action, they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the CPR 2.No documents supporting the claims in the particulars have been offered which the defendant needs to establish what agreeme

they will struggle with that, they should ensure that they commence proceedings for the correct amount first time, they are not allowed to faff around and bugger about til they get it right as that is not in the Spirit of the CPR for starters if you have a second claim then i would possibly consider having it struck out by application (N244) as a complete abuse of the process

Standard practice. Send them this letter, (recorded or special delivery), along with a £1 postal order. Print your name , don't sign the letters. 1 High Street, Newtown, Kent R21 4RH June 28, 2006 The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you t

Eversheds usually deal with Abbey National accounts, they are a 'licenced legal practice' so some phone monkey phoned me, but are really a 'limited liability partnership' between a solicitor and somebody in Abbey... If you are going through a bankruptcy proceeding they will do everything they can to ensure they have a bite of what is left, and a big one at that. If the debt they are dealing with is unsecured make sure it stays that way... they are not very pleasant people.

Their details will be on the CSA website as well.