Hi have just begun the SAR process on certain loans and cards and tody decided to have a tidy up of the filing cabinet. Going through the various papers we have accumulted through the years we found a copy of a loan agreement with HFC for a Personal Loan plus dated Feb 1998 together with a few statements for Mar, April and May 1998 in the folder with the loan agreement there was a copy of a letter from us asking them to cancel the PPI - but on the statements it is still being taken; further into the cabinet we found another statement from 2001 and on this there is still PPI being taken. This loan was paid off in 2004 - are we too

You should also have written confirmation that they will not sell the remainder to another DCA!

Just found out of a M8 after all this time that N95 apparently, does not read the standard barcodes (black & white vertical lines) that we're familiar with but rather the DataMatrix type that consists of a grid of square cells, I just tried it on one of Lowells assignment notices that was supposed have come from Barclaycard. What did it show, my Lowells ref number which was not present in the letter, so why would barclaycard know what that was, which is proof enough for me that this NOA has never been near Barclaycards Offices

Hi Marc, Had the same problem with Arc this week. They phone you, and straight away they are aggressive,rude and threatening and if it wasn't for this site my OH would be beside herself so when they phoned again today i told the t*** that i ain't listening to him and when he started giving me verbal i just stopped him in his tracks and told him a few facts about how he couldn't issue a ccj.told him what the procedures are and because they didn't own the debt he couldn't issue a ccj and told him to foxtrot oscar. They are just a bunch of jumped up morons who ain't got a clue...idiots. I too have made a complaint to the OC and OFT

Hiya and Welcome to CAG, If your ex goes ahead with bankruptcy then yourself will be solely liable for any arrears etc with the property. Have you been to see your mortgage provider to explaint the cirumstances and see if there is any resolution? Is there any equity in the property?

Unless things have changed since I had my dealings with these idiots, he CAN NOT arrest you and he CAN NOT remove your goods unless he has already been in your house. This might not work for everybody as I had moved area when Rossendales tracked me down for council tax for my previous address, but I set up a standing order to pay the council direct. I used template letters from here (thanks guys for all your support during that time) and told Rossendales that they had no right on my property, and that I was not paying them, I was paying the council direct (even though I never informed the council). My debt is now clear and I have n

Hi, quick status report and looking for confirmation that I'm on the right track please! I've written again to Nationwide as they wouldn't even consider my proposal so reply from them is pending. Sainsburys card have accepted and frozen interest which, has really given me some hope! Cap One have provided details of 2 plans available (short term/long term) and I'm working that one out. Majority have said thanks for letter please phone so I've send follow up letter to say, here's the situation, please accept proposal. HALIFAX are an absolute nightmare! So far they haven't acknowledged my letter (sent second recorded delivery on Saturday) but ph

Yes, the TOCs do take this offence very seriously. Unfortunately, this is one of those offences that was tested by the Appeal Court a very long time ago and the decision made that 'although the rail company has not lost any money, the traveller who uses another person's season has not paid their own fare'. (Browning & Floyd. 1946.) The best course of action is to wait until you receive a verification letter from the rail company. This can take a few weeks sometimes because these offices are very busy, and then write back immediately to the office from whence the letter came. Your husband should give a truthful account of wh

Mozzi, if you had a loan in 2004 that was paid off by the loan in 2005 I think that should be a multiple agreement. I mean, if Egg used the money to repay some or all of their loan.

Thanks again 2man for the vote of confidence. Rich, If you'd like to check your inbox you should see an update from me in there. Kind regards, Lee Web Relations Team Vodafone UK

Hi Lisarw24 Send this letter, send it recorded, look up the address of you local Trading Standards, write CC and copy it to them aswell. You want them to know you've sent a copy to Trading Standards. It's against OFT guidelines for them to ring you at work. http://www.consumerforums.com/resources/templates-library/52-harassment/135--harassment-by-telephone-response-letter-

Hi Purplecatlover The law stupidly allows them to provide reconstructed agreements in response to CCA requests. However if they went to court they'd need a signed agreement. State that a generic agreement would not prove anything and you suggest they supply a copy of an agreement signed by yourself if they wish to pursue this debt. As you are confident that this is not your debt and therefore no such agreement exists further correspondence is futile except for them to inform you that they have closed the file. Elsa x

Set aside?? They've not got judgment yet! I thought you would need to be applying for an order for them to comply with your CPR31.15 request? If so, if you apply without hearing, the cost is £40.00. BTW on re-reading your thread Chips, I did notice that they have still not complied with your S78 request. Is that correct? If so & if you applied for this before the claim was issued, they have no entitlement to take legal action to enforce the debt - S78 (3). I don't know if you pointed this out in your defence?

A person acknowledges the debt by making a payment therefore limitation runs from that date. If it were missing a payment that would allow the creditor to exploit the act by claiming a next payment wasn't due until goodness knows when

G & M. Do you really have to always be so b....y nasty. People come on here for help and I have probably spent the most distressing 20 minutes looking back at a selection of your really early replies from a couple of year ago (using the archive link at the bottom of the page) and almost all of them are the same type of responses from you where you are sarcastic, negative and frankly, horrible. This is a shame because it is CLEAR that you have a great deal of knowledge ( either from working for a local authority or adjudicator etc) in a subject that is very difficult for the public to understand. PS: Don't be nasty to me i

I rather think that she did what most people do on here, taken our advice, used the template and sent it, and hopefully ignored the pages of following hysteria and bickering, because of anything would put a newbie off, surely that would be that. If you trawl through the gazillions threads on here, you'll find that that is what the vast majority of people do: they post, ask for pointers, disappear, never to be seen again (unless a new problem arises, of course. ) A lot don't even bother to say thanks, and as for letting us know the outcome, AH! ;-)

Hi lord tiger putin I received the same message in my e-mail on Saturday afternoon, it appears that some members of CAG who have been regular contributers to to forum have decided to withdraw from the forum, I don't know if they raised their concerns with the site team / forum owners privately, if they did it they obviously must not have been given a satisfactory response to the issues they raised. It is very unfortunate that these seasoned members feel the only option open to them is to withdraw from the forum. I hope the withdrawal is only temporary and the forum can get get back to the task to which it was dedicated ie "giving members

Hi Vonn, If you remove all personal details from your credit agreement ie name address etc and post it on the forum, we will be in a better position to help you. Or alternatively post the following information from your credit agreement: 1) Amount of PPI charge 2) Monthly payment towards PPI 3) Date of first payment 4) Interest rate charged 5) Number of payments to date DJ

see http://www.oft.gov.uk/shared_oft/consultations/OFT1175con.pdf;jsessionid=DB465919D6932F26976261B6B8C2836D It tells us all we need to know. No need to go much further with this it seems. in a nutshell, CapQuest are right, they do NOT have to provide a copy of the CCA and can refer it to Egg provided the debt not assigned to them (mine wasn't). Moreover, there are very interesting guidelines on what constitutes an acceptable and indeed enforceable agreement in the attached. But specifically: 1.9 The sanction under the Act for non-compliance with an information request is unenforceability of the credit or hir

Patience, the sun is shining:) You need to send the 'stop the phone call' letter: and re-send the Prove it letter both by Recorded Delivery. Re: Harassment by telephone ACCOUNT NUMBER: XXXX Dear Sirs I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary) I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by te