The forum is very confusing for some people and they are constantly asking where they can find letters and guides or for links to documents. Below is a complete A-Z index of the main stickys with their links. In addition there is the ConsumerWiki A -Z here: http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/123374-consumerwiki-z-index.html Please PM me or a Mod if you find any bad links or would like to add any other useful links If you are new to forums this thread will be invaluable: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html It sho

To begin with the definition of a GB displayed on the Harddrive and what windows displays it as, is different. Harddrives are measured as 1GB = 1,000,000,000 bytes Windows measures data using the method of 1024 bytes = 1KiB, 1024kb = 1MiB 1024MiB= 1GiB (1GiB = 1,073,741,824 bytes) This causes a difference in in what the manufacture display and what the operating system display. Whilst this is confusing, it has been going on for years. A 80GB HDD therfore in windows = 74.5GiB HDD. Ok that solves the difference for the OP for mp3 differences etc. With regards to reserved space on the harddrive. Some of that will be taken up by the op

I am no longer welcome on CAG

Hi, Beanie. Best wishes with both your claims, BOS ignored everthing I sent them, including my court return date and calling date, got my money in full about two weeks later. Just remember to stick to your timetable, they will do everthing possible to stall and delay you. Regards. Scott.

Cancel your small claims claim, and reissue it against the landlord. Without receipts, it should be an easy win. Was there a fully detailed inventory signed by yourself upon moving into the property?

THe point of the exercise is to force GE Money's hand. They have 3 choices: to comply, to lose by default or to settle. THey are not going to comply because the daren't. THey won't want to lose by default because that looks bad and they are in enough trouble with the courts for abuse of process as it is. THat leaves them only one choice. That is what they will do. However, they will probably leave it to the last minute just in case you default instead. So don't. The thing to do is to start getting the stuff together. THe new strategy calls for you to provides 4 things: a) A schedule setting out each charge repayment of which is

Ah ha, Castlebest you're a legend! How just found the POC template in the library and it is a lot more in depth than what I was advised to put by the money saving expert website. Also I need to send a letter outlining the charges to the court in question. Guess i'll get that together and send it off and hopefully that'll keep the judge happy. Thanks for the help guys i'll be back to update when I hear more from the court. kepp up the good work

Regards to All

Sorry for butting in on this thread, but having read it through, the arguments are intriguing by what looks to be 2 sides. Aktiv, if I were to guess I'd say you work in the debt industry and the other posters look like the people owing the money and learning as they go along. It's healthy to read both angles if that is the situation. I couldn't care either way, but there's some interesting stuff there and a lot of passion. I'd hate to be Cabot that's for sure with these guys against them - hunger? I wish my sales team were as hungry! Anyway, my point: and this is more for Aktiv but I'd be happy on the opinions of some of these other harr

I'd listen to Kenny, without producing the documents you ask for no court will act on it. They're just trying to scare you into paying up. If they've gone past 12+2+1 calendar month from receipt of your request, report them to TS and anybody else you can think of, eg. OFT, FSA etc. They know they haven't got anything or they'd have responded by now, they're just putting on the pressure to see if you crack. There are some brilliant letters on the Debt Collector forum in other peopel's threads, I particularly recommend Diskmandave, he's had dealings with Lowells and soon sorted them out. Have a read, might give you some ideas.

I am no longer welcome on CAG

Hi Aqualibrium, Welcome to the forum. The letter is fine but they will probobally ignore it, follow the letters in the templates library. Stick to the timetable in there. That way you can't go wrong. Please follow this link to your banks forum and start a thread; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=46 Title it Aqualibrium V nationwide Other members with experiance of your bank can offer informed advice. use the template letters in order. Stick to the timetable in there. please take time to read the faq's LINKS.... http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/711

Thanks:) What you mean before you get the AQ? No, I would'nt personally. Its unlikely to be looked at until the file goes up for allocation anyway, which will be after the AQ return date. Attach it to the AQ when you get it, and yes, it does incorpoate the new strategy - in point 2, so attach the draft directions as well. Obviously there is no guarentee the judge will take any notice, but there are some definate signs that the tide is starting to turn, so I should imagine it just might bring success to some at least. Certainly worth a try anyway, if only to put Abbey even further on the back foot!

The seller has a duty to repair the laptop whilst limiting inconvenience to you as much as possible. I have no idea how long these things are supposed to take, but a month seems to be unreasonable to me. I would write a letter to them asking for specific details. What is the part? Where is it sourced from? Is another part available that would do the same job? From this information, it may be worth a couple of phone calls to see if anyone else has the part, and you can then ask the shop to get the part there rather than waiting for their current supplier. If it really is the case that there is no option but to wait for this part

let the courts know of your error and ask for advice. as for Abbey, well now you've informed them the courts will throw it out if you don't send proof of your claim, then I think i would'nt return them either. Just an error likr you said, but like I said try to explain the problem to the courts and see if they will delay the date for a few weeks until you get sorted. Regards Chris

Hi Lan, If the creditor cannot prove that a DN was sent out, insisting that it is removed is likely to be an easier task if you are the subject of legal proceedings and are submitting a counter claim. The problem otherwise is that you are trying to appeal to the creditor's reasonable side, which as everyone knows they don't have! As far as they are concerned if they say it was sent to you, it's tough luck! That is manifestly wrong and unfair, but it is sadly how they operate. Creditors use a template for DN's, so what you will receive, is not a copy of the exact document, but a copy of the information contained within the DN. I pers

A call to them on Tuesday, as it's bank holiday, to remind them is needed i think. .

Hi i sent the a letter back for non compliance with the CCA and got a letter back a couple of days later saying the matter is now closed and i will receive no further correspondence. thanks for all your help and thanks to tifo who gave me a wonderfull letter for non compliance which worked a treat that can be viewed here http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/85030-what-letter-send-cca.html#post766634 Thanks again

Sorry Liz, I almost forgot this thread since I hadn't subscribed. Yes, if they are in default, and as the debt is in dispute, you certainly may cease payment. Write to them telling them that this is what you aee doing, along with the reasons for doing so. And it might be useful if you add in that, of course you will be more than willing to recommence a payment regime, as and when they can prove to your satisfaction the validity and true amount of any debt that may in fact be owed.

CF- You are a good sport . Scales clicked

That isn't the case. If there is anything wrong the default notice then a creditor has absolutely no right to default you! What might constitute an unenforceable default notice will include any of the following:- Wrong name of debtor, incorrect spelling, no name. No name of creditor, incorrect spelling. Wrong address of debtor, incorrect spelling, no address. Wrong address of creditor, incorrect spelling, no address. Wrong a/c number, no a/c number. No date and or the wrong or no prescribed time for compliance with the DN. An incorrect amount stated to remedy the contractual breach, which for example would include an amount

I think we should all click CF's scales for being such a good sport!

& I'm so sweet & innocent I didn't even notice!!!! I've had a real chuckle reading this tonight so thanks everyone!!! Charleyfarley.... just enjoy being surrounded by us all!!!!!! A very female Villafan!

you can pay £3.00 and type in the address and this site will tell you the names of the persons registered there... hope this helps http://www.onlinesearches great little site;)

I refer you to post #84 above:)

Hey CF, can an large elderly blonde join the harem? Might make me feel young again. lol

lol so you think were in your harem do ya charley boy

KK, I feel like an Internet Perv in reverse...........chatting to someone you think is a bloke and they turn out to be a girl:confused: I think just about everyone who's thread I keep an eye on is female.......it's like charleyfarley's flippin' harem. I'm not complaining you understand, just a tad confusing (or is that my age??)

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/59620-diskmandave-lowell-finacial-capone.html Hi maggieboo right click over title, scroll to copy shortcut go to where you wish it to go then right click and scroll to paste and click.

Hi Riskman, you get up early;) MCOL's Court is Northampton, it will be transferred to your local court to be dealt with OK:)

Regards to All

Thanks to Andrew1 I am able to prove that this is also not the case as Dr Roger Lucas of the Lewis Group (another DCA), speaking on behalf of the Debt Buyers and Sellers Group (remember KM is it's Chairman) has said on record: Roger Lucas, of the Debt Buyers and Sellers Group, said: "When we take assignment of debts we stand in the place of the original creditor so it’s only right we should have the same obligations and rights." Credit Today online

Right I am off to bed, but on a final note in relation to Cabot and the CCA 1974. As regular readers of my thread will know. Cabot have published an article quoting Parliamentary Under-Secretary of State for Trade and Industry Mr Gerry Sutcliffe and used things he has said to justify their postion " We believe that the Government’s decision to create a new category of business for which a licence is to be required, namely debt administration, when the Act is amended in April 2008, reflects the fact that debt administration companies are not creditors for the purposes of the Act. (When explaining the new category of licence during

No, no, no. RS said that the LOP was just the mechanism by which the transaction is assigned. The CCA still applies. You also said something about these contracts existing somewhere. They don't. There are people right across CAG dealing with different DCAs, different credit card providers and banks and it seems something like 90% of them have the same problem the OC is stumping up a copy of the application form (and this has been debated many times and confirmed by the highest legal sources) but an application form is not a true copy of the executed agreement. Hence many companies have actually been operating accounts unlawfully/ illegally

Hi Kayadkaz, Have you tried ringing Halifax? I have just checked the direct debit website and found the following:- Direct Debit is one of the safest ways of paying your bills. Organisations using the Direct Debit Scheme go through a careful vetting process before they're authorised, and are closely monitored by the banking industry. The Direct Debit Scheme protects you and your money by means of the Direct Debit Guarantee. This Guarantee is offered by all banks and building societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own bank or building s

Try this .... its what i sent :

Just the schedule of your charges. Make sure that the figures agree with the claim you have submitted.

Pondy Update! Bad news day! 2 letter's from [problem] out of the blue asking me to repay my overdraft and loan in 7 days or i'll be taken to court! I had agreed token repayments on both of these accounts with Lloyds in conjuction with my repayment plan worked out with the CCCS (Consumer Credit Councilling Service). Lloyds agreed this (In writing) and told me the accounts would not be transferred to their collections dept. So why have i suddenly recieved this ultimatum from thier solicitors when they have not even as much as phoned? 2 months ago they were ringing every other night. I could jump to conclusions here, and

I agree, i think after this whole fiasco is over everyone should focus their attention on being able to get your money paid as cash (if they want) , we are at they mercy of banks and they know this - because of the BACS system we have now no option to follow suit - whats happening people, we are not in control , its OUR money , we should be able to get it how we want and a bank should be nothing more than a place to STORE that money , we control them - if everyone took their money out of the bank for just a day , they would fall banks should not be huge multi billion dollar companies, fair enough they should receive a service charge for