http://www.oft.gov.uk/shared_oft/business_leaflets/general/PCA-particulars-of-claim.pdf

Believe or not they sent it FIRST CLASS, am I the queen or what. I need tickles till I scream!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I had a little think and decided that, as I'm sure we are 'communicating' with Credit Today, I'd post my request here:

Thirded

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 consumer legislation Q are you commiting an off

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 charging the ERC, course if any deal has come to

Oh dear isn't that a shame. :DHehehehehehehe:D Nice one UUN. See I told you it was fun So what's the scores now then. This counts as 2 as you did a DCA and their Sol as well

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

...............that is just asking for a comment !!!

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

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

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 call centers and telemarketing. Our friends

I`ll second that

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!

Well you might aswell thank them by reclaiming it!! :D

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 unpaid County Court debts he may have. As a mat

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!

Hiyas all S.A.R - (Subject Access Request) sent today, recorded of course Op's

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.

Well raise it that you dispute the figures as they have not furnished you with a statement.

For more information on stays read the links in my signature at the bottom of this post.

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

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.

: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.

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 that holding deposits as Stakeholder entails.

Hi , thanks aud , will do that today

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.

As you'll be aware, the Statute Barred clock is reset only if you make a payment or acknowledge the debt in writing. A creditor can contact you all they want, that doesn't make any difference. Thames are bluffing, in my opinion, and I agree that you should instigate their complaints procedure.

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.

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!!!!!!!!!!!!!!!!!!!!!!!!!!!

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......... So as they seem convinced that your debt was to

:D Any excuse:p

How you feeling today SSL??? Seeing as you consumed every ones secret stash, & more besides. tilly who's your MP???

Only cos you shared it..

Just a though. In case they send the usual bumph about home collection visits you may wish to send them the following: Dear Sirs, Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore

Was this yours or your sons, I can't remember I really must get my act together with mine, Barclaycard will be thinking I am letting them off the hook - dream on B/C

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

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.

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 page post. Also on a side note Andrew1 from the

Thats what I was wondering too :o

oh gawd here we go scaring yourself again:eek:

Fireworks seemed appropriate!! Eh, Stone???

Is it safe to come in here yet?

Thanks for my slipper, drool included... The vodka would of been sooooo much better.

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 may be enough. Dar£n has flagged this up so hop

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 you react quickly enough to first contact with a CCA

Hello GT, MMMMmmmhhhh Let me help you with this one:D Let you should go after them. I have had a lovely fight with them re mis-sold ppi and they paid up, after a few letters, but be warned they will deny. Have you sent a full S.A.R - (Subject Access Request) for all of the details. In your breakdown of figures, what was the total charge for the credit and the interest rate??????? Please read this thread on a mission phase 2 -v- ppi There is another link in it. What I did discover eventually after many letters, was that the interest that they applied to the ppi was 8.9%, this they applied every yea

Yep I have one from RMA and the exact same thing from NCO as well. They must think I'm stoooopid or sumit

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

I'll believe THAT when I see it!