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Popular Content

Showing content with the highest reputation on 07/09/07 in all areas

  1. http://www.oft.gov.uk/shared_oft/business_leaflets/general/PCA-particulars-of-claim.pdf
    2 points
  2. Believe or not they sent it FIRST CLASS, am I the queen or what. I need tickles till I scream!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
    2 points
  3. I had a little think and decided that, as I'm sure we are 'communicating' with Credit Today, I'd post my request here:
    2 points
  4. oh nearly forgot, Tittleewoods sent me a funny letter today, it asked me some rather strange questions it says..... Dear Pt2537 Q. Do you want to continue ordering on your account? Q. Do you want to obtain credit from other lenders? Q.Do you want to prevent further charges? A. Yes call ........ No call .......... a late payment charge has been added to your account if i wasnt to tired to play with these idiots i would probably send them some thing like Q do you have a signed credit agreement Q is the account unenforcable under
    1 point
  5. Thats because the interest rate has increased and you chose a tracker, had you taken a fixed rate as advised the payments wouldn't have risen. Well you are not being ripped off, but if the decision to remortgage woudl depend on if you ahve any early redemption fees and how old the CCJ is. If the CCJ is coming ot near the 6 year mark then it will drop off your credit file and depending on your other fianances you may be in the position to remortgage with a high street lender. You can write to them by all means but if yo uare still tied in then they won't ofer you anything without
    1 point
  6. little inocent me dont what you lot are on about:rolleyes:
    1 point
  7. Windy you really need some help here. I'm going to get some for you. I've asked for some help with my thread too but I think the Cap One forum is strangely quiet at the moment. Hang in there! deedee xx
    1 point
  8. ...............that is just asking for a comment !!!
    1 point
  9. Sorry to hear that you misunderstood or were misinformed...Anyway the £35 fee is because like me you put the application in without asking for a hearing. If you wanted a hearing you would have to have paid the £65! So we got a result mate by being invited to one...Sorry other guys, but in hindsight I would have paid the £65 to get the hearing... Hope that makes some sense, Penfold
    1 point
  10. to Curlyben for the BOG OFF letter (with my slight tweaks) that I sent to Capquest. It did the trick clearly, because I received a letter today from them, for one of my accounts, which in short stated that they were returning the account back to Littlewoods. So thanks again Curly and thanks for everyone for their support. However if Littlewoods are true to form, they'll start passing this around to which ever mug has the guts to TRY and collect on this "debt" deedee xx
    1 point
  11. Hi Alf Just adding to what fluidgeorgie has posted - bit of info for you here Auto Diallers: A software programme that can be used to automatically call thousands of numbers from a phone list or database. An auto dialler can usually be configured to leave messages for people on answering machines, receive touchtone or recorded responses, or simply dial the telephone numbers for an operator or agent. Some systems that perform a call transfer to an operator when a call is answered by a person, are called predictive diallers . Auto diallers are widely used for customer support in c
    1 point
  12. They're great PD! Have copied and will send to my friends - (well that's 2 copies anyway, before someone says it for me!) Bet he did, Auburn!
    1 point
  13. Well you might aswell thank them by reclaiming it!! :D
    1 point
  14. As a tenant, it makes no sense to use a letting agent unless you have satisfied yourself that it is reputable. The Trading Standards officer will tell you whether a particular agency is reputable or not, and the University's accomodation department should keep a list of reputable agencies. Certainly it seems unwise to use a fly-by-night bunch of foreigners, who may flee back to Poland with your money at any moment! Also, you can make a search in the County Court judgements register, or current equivalent, against the landlord for evidence of his circumstances. This will reveal any un
    1 point
  15. There is certainly potential for it. Like I said, you would be best of with Trading Standards being involved. Trade Descriptions is criminal in nature, so they would take some action (hopefully).
    1 point
  16. This is completely normal Sharpgun. They tend to apply for the stay after they've filed the defence. However, you might be interested in a new development from the last couple of days. Cobbetts have written to two business claimaints on the RBoS forum to inform them that they're applying to the have the stays lifted due to them being business claims! Here's one of the links http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/102725-barneybubble-rbos-2-12430-a.html#post1112764 - the other one is 'lANCASTER CHELSEA'. These are strange times!
    1 point
  17. Hiyas all S.A.R - (Subject Access Request) sent today, recorded of course Op's
    1 point
  18. They cannot 'put you on it', you either have a white meter or you do not. It isn't an option you can select, he'll have a meter that supplied both a peak and off peak set of readings, along with a time clock that switches between the two. If he doesn't have this, then he cannot be on this tariff.
    1 point
  19. Well raise it that you dispute the figures as they have not furnished you with a statement.
    1 point
  20. For more information on stays read the links in my signature at the bottom of this post.
    1 point
  21. I'm afraid that Barclaycard will be informed of Cabot's misdeeds in a Letter Before Action prior to have to defend themselves against breaches of the Data Protection Act. But then again, it might be better to mention it in my preliminary letter asking for my unlawful penalties and charges to be refunded, as well as all that interest they charged me without my agreement to do so.
    1 point
  22. ok SSL will stay put for now and my courts not staying claims at mo so thats all good , yea is good to know something happening lol i just got letter and was omg and panicked ,, many thanx , nerves are bit calmer now
    1 point
  23. Hi rob. Are you back on track with it now? Just shout if you need help. Have you read the stuff on mcol that SSL posted above? **urgent All Mcol Claims Automatically Stayed** You are best using the N1 form and filing direct with the court now.
    1 point
  24. :o freaky you can be so cutting!! it was an early night compared to some ive had!! but yes still too late for when ive got work the next day.
    1 point
  25. Not necessarily. MrShed and I have tossed this matter about in other threads and forums - and I contend that the above may not be the only avenue. No new contract was signed, so the original one is the only legal base to work from. The first point to establish is whether the deposit was held by the agent as Stakeholder or Landlords Agent, if the former, then 4let should be named on any legal action. Although 4let are "agents" for the landlord and the landlord is ultimately the person responsible in all other aspects of a tenancy, this does not override the duty of care t
    1 point
  26. Actually Dave the Statute Barred clock can NEVER be reset. Once barred it is permanently barred. This is a classic for Thames. So you had an account in 94 and stopped using it then. You left the country and returned in 2001, OK so there's you Statute Barred straight off. This letter in 2003, whether or not it exists, doesn't matter at all as the debt is BARRED anyway. As ever Thames are urinating in the wind. Try this for good measure.
    1 point
  27. Hi, you need to do some more reading, lots of courts bundled these cases all together in groups of about 100 or so and see them all together, unfortunately unless you have some good arguments regarding not having a stay, it probably will be, my adive would be to do a site search for French v Abbey (3) and read the last 2 pages of posts which will tell you how he dealt with it.
    1 point
  28. Brilliant news Tilly!!!!!!!! CONGRATULATIONS!!!!!!!!!!!!!!! ENJOY YOURSELF WITH YOUR WIN!!! + 3,000 posts- all spent helping others- what a Lady!!!!!!!!!!! Another one bites the dust.......................................................... and another one!!!!!!!!!!!!!!!!!!!!!!!!!!!
    1 point
  29. Normally you would be right to keep yur powder dry as it were. But the general concensus from those in the know would be that you have very little chance of getting your money back from the Court. Your best bet would be to get the bank to realise that their reading of the situation is wrong which would lead to their probable embarassment in Court etc etc. In an effort to avoid this, you would have a better chance of getting a refund from them to avoid facing a Judge and possible ridicule by the Press. Couldn't begin to think of anyone who might want to tip them off.........
    1 point
  30. You only have to pay the fee if you are contractually bound to do so.
    1 point
  31. How you feeling today SSL??? Seeing as you consumed every ones secret stash, & more besides. tilly who's your MP???
    1 point
  32. 1 point
  33. Hi Tezcat......1st Credit have their own interpretation of (a) the law and (b) acceptable business practices - both of which defy reason & belief. How they are still in business, l don't know. Search the forum and you will find many references to their, shall we say, unorthodox methods. You have nothing to worry about on this. As previously mentioned, any 'debt' is statute barred now. If you ignore them, they will go away and pester someone else. They are pond-life of the very lowest level. Regards.................Valdez
    1 point
  34. It only says that it has been stayed due to the OFT case and "OF THE COURT'S OWN INITIATIVE". It also says judgement was set aside "Upon reading the defendant's letter". I didnt have time to go to the court today, but I intend going tomorrow to 1. ask for my enforcement money back.(The cheque cleared from my account yesterday, £55) 2. to ask to see a copy of what DG sent in. Im also leaving HSBC as soon as I get a new a/c set up and transfer my pay, d/ds etc. Do you think they will give my money back?? Thanks Audrey for the above posts.
    1 point
  35. Ask for their complaints procedure. You can then ask them to clarify exactly where the Limitation Act states contact to you. Last step to a great complaint to the FOS - bet they are regretting that statement already.
    1 point
  36. dsilverstien & Gc. The revised POC's for 6yrs+ and the letter to have the have the Stay lifted are both on this thread - they are both photoman's excellent work and you should find them at around about post 560+ Or if you PM me with your email address I will send them to you; I am sure PM will not mind me doing this I just lifted them and saved them to Word. Now I must pull my finger out - I have pm's poc with a tiny adjustment from my friendly lawyer lady: also pen has four extra paragraphs drafted by GaryH - cannot find these yet as they are buried deep inside her 34 pag
    1 point
  37. Thats what I was wondering too :o
    1 point
  38. oh gawd here we go scaring yourself again:eek:
    1 point
  39. Fireworks seemed appropriate!! Eh, Stone???
    1 point
  40. Is it safe to come in here yet?
    1 point
  41. Thanks for my slipper, drool included... The vodka would of been sooooo much better.
    1 point
  42. Quite a story! I think you need some specialist advice but hopefully someone on CAG will be able to give you some pointers. I would just note a couple of things for starters: 1) a contract doesn't have to be written to be a contract (although, as you say, it is more difficult to prove) - every piece of evidence will be useful - make sure you have copies of all letters, receipts, invoices, bank statements, land registry entries, bills .... everything that backs up your story 2) for a civil court case, you have to prove likelyhood (>50%) not certainty (100%) so the above evidence ma
    1 point
  43. Transfers are done electronically, sometimes on a large scale. The paperwork theoretically follows once the debtor has been ID'd and traced and a payment obtained. That's assignment by your own 'agreement' - who's crazy enough to pay someone who approaches you and claims you owe them money without any proof??. If they prove to be untraceable or uncollectable for whatever reason, a kind of 'sale or return' agreement sometimes exists. Purchasers prefer debts on which payment is already being made (ie a DMP) where the transfer can take place smoothly and often without question. If yo
    1 point
  44. Okay first thing to do is calm down. Next thing is start your own thead, you can learn how to do this here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html If you post a link in this thread we'll all have a look and give you advice.
    1 point
  45. I'm planning to have the CAG logo tattooed on my buttocks then streak at a cricket match.
    1 point
  46. Right you lot I'm off... see you all in a couple of weeks time - when I expect to have a significant update that will be of particular interest to those seeking to claim beyond six years... Keep well all - and ta-ta for now! Mac
    1 point
  47. This is statute barred so even if you do owe it - which you don't seem to think you do they cannot enforce it. It is likley to be made up of charges anyway so I would send this letter and forget it.
    1 point
  48. Yes but try ringing the Baliff just to let him know you had already submitted it within the timescale. Its not your fault the Courts are running behind. The baliff should have known this. He was a bit quick off the mark if you ask me
    1 point
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