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Popular Content

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

  1. Dobby, you have a long way to go to get near my current score. DCA - 0 CB - 10 !!
    2 points
  2. 2 points
  3. Hi to everyone and i hope that you can help me with my problem. The HBOS has offered me £1400 to settle my claim, the offer expires on 5th October 2007. The amount i am claiming is £2500. I cannot decided what to do. I live in Scotland and i believe that the stay does not stand in Scottish law. I want to settle but my husband says to wait for the court case. Do you think i should try the Scottish courts? Please help as we are arguing all the time about this matter.
    1 point
  4. Hiya Sarah, I must admit, i dont think i have come across any one getting a verbal agreement from them, they do like to send silly offers out though. If your not happy with the amount offered then continue with your claim.
    1 point
  5. Yes - but the point would be there would have to be "proper enforceable" CCA's in place for this to happen. Fair Processing would take place? With the Cabot UK/Europe data sharing issues - in most (if not all) the CCA's aren't in place so Cabots have no rights to be sharing data with anyone anyway?
    1 point
  6. yes, i think the duke and maureen would approve!
    1 point
  7. Hi Brassed off. i have a free legal helpline through work and they told me that anybody is allowed to look at your files under the civil procedure rules I have wrote to the court to arrange an appointment. I need to get rid of the CO what ever it takes RO
    1 point
  8. hi nigel i dont no anything about gmac sorry i cant help but i will see if i can get somebody to have a look for you
    1 point
  9. Thanks tilly 49.I just might do that once I've read the ins and outs.er do you know anything about G.M.A.C rfc mortgage I've just received a defence from them for the same court I suppose that would be stayed as well....? Not getting much responce with regard to my thread nigel 1804 v G.M.A.C. ANYONE HELP.... REGARDS NIGEL
    1 point
  10. Hey cheeky monkey Wont be long i'm sure. I've had a sleep now and the fight is back on. Bl**dy frustrating though waiting on these people
    1 point
  11. might shed more light on the problem hope its of use patrickq1
    1 point
  12. Nope! No need... Just send them the Statute Barred letter, which can be found here; http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162366 Good luck, Dave.
    1 point
  13. Skint86 I think it is unwise to ignore such things. Personally I would send Lowells the following by recorded delivery: Dear Sir/Madam Account no: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the
    1 point
  14. NOTICE TO ALL 62 posts removed that are not required anymore, I shall leave posts that provide links to contact sites for MP's. If you have a post removed you WILL recieve a Cagbot message, this is a standard message. Should you have a problem with a post being removed please contact Ja-de or Kenntthecelt via Pm. All of theposts that have been removed from this thread are here, no posts have been deleted. Thank you.
    1 point
  15. Sorry ,Freaky, what I meant to say was 'they must be pretty sure they're going to get the stay upheld' - one word makes a difference doesn't it!
    1 point
  16. Hello mypinkstar and welcome to the site. Can I advise that you need to PM a Moderator or Site Helper and ensure that they know you are Bank Staff? Bank Staff are not allowed to post on the site without prior permission. As a retired Bank staff member I would also advise caution. Whilst I am sure that your intentions are good, it's important to remember that the members of this site are here because of Months and Years of being charged, not just the odd "oversight" and therefore you may encounter a less than positive response to your offer of help if you don't stick to absolute facts. It's important, in my opinion, that bank st
    1 point
  17. I wholeheartedly agree NCF. You should change your name to ED-209 match your avatar "Please put down your unexecuted agreement. You have 20 seconds to comply." LAMO Best Wishes MoonHawk
    1 point
  18. Find out here if your local court is staying claims Judge stayed Case but tith a conditionThe Stay - Here is the application grounds for the removal of the stay
    1 point
  19. OK... I am speaking from a gut reaction here, so don't take this as gospel. You have to make your own decision at the end of the day... If this was my situation, I would make them a F&F offer based upon the amount you have raised. Give them a set time frame within which to respond... and do not mark it "without prejudice". If they choose to take you to court after this time, then this letter can be produced without any problems... They seem to have huffed and puffed about taking you to court for a while now.... and appear to be using this as a stick to beat you into submission. If they did pursue court action however, a judge w
    1 point
  20. You should send them a letter regarding the non compliance of the CCA Here is one of Curlybens alter it to suit Re: my request under s78 of the Consumer Credit Act 1974. Thank you for your recent letter sent to me dated 21st June 2007, the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 26
    1 point
  21. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html will give you the info you need. Stroppy teenager!!!!! No you're not. I hope they pay you back soon. Do some reading to get a feeling of what is likely to happen and post any queries back here. All the best, Sally
    1 point
  22. Please do not use this type of weird formatting in your posts. It makes answering them very difficult! You will be better off reading my post at http://www.consumeractiongroup.co.uk/forum/landlords-tenants/113080-service-charges-dispute-suggestions.html#post1112848 than trying to wade through Acts of Parliament unaided. No Statutory Accountant's Certificate Section 21 of the Landlord and Tenant Act 1985 provides that a summary of the costs on which the service charge is based must be supplied to the tenant if requested, and that where it relates to more than four dwellings it must be certified by a qualified accountant.
    1 point
  23. hey johhny - what is that avatar?
    1 point
  24. Me again Read your reply and hope you have a good holiday. Ive never been to Barcelona but its one place Id love to visit ( after Egypt). What a great place to spend your anniversary as well. as for wifey being missed by George AAAWWW I bet shes a pussycat really. regards
    1 point
  25. hi becci as castlebest says... ring court... mention that your court date is 4th oct and wanted to know if judgement likley to be seen by judge in time.... know when i was asking they said 2 weeks backlog... all depends which court and how many claims they have to deal with!!! if you tell them your court date looming they may try and push it thu for you... cant foresee any problems if you sent in everything on the list.. ie proof of posting etc... there is defo no arguement,why you should not get your judgement... as far as i am concerned.. but as you say.. you know what they like full of dirty tricks... i am sure all will be fine love...
    1 point
  26. Never had voddy and vimto. Must try it.
    1 point
  27. Hi Guys Seems that thread is really keeping you busy Ja-De, but I know you think its worth it, Keep up the good work. I had to go off pretty smartish before , hence the "half a job" post. Just come back from cleanin the tee-pee out Stone gonna get the buffalo on the spit soon , best part is the leg. lol;) Btw Dk Stone was right when he said that its 28 days from the deemed served date so you may have to wait just a wee bit longer. Ive not heard anything else yet but hopefully will get some news next week. Regards
    1 point
  28. You can spread it over here Freaky pete
    1 point
  29. Clownells are the easiest DCA to bin. Just send the template M to the Leeds losers
    1 point
  30. Also it is highly likely that Lowell will have bought the debt for a fraction of its original value (5% at most). They will try hard for a few weeks but if you ignore them they should just crawl back into the hole they came out of.
    1 point
  31. If the debt is older than six years & your partner has not acknowledged it either in writing or by making a payment it will be 'Statute Barred'! They have no legal recourse. Although technically the debt still exists they can only ask politely for him to pay. Equally, he can tell them to "go forth & multiply!
    1 point
  32. My pleasure - post back if you need any additional guidance with this
    1 point
  33. Gosh, I would never have been told that at learn direct:) you guys are really teaching me all about these computor thingies, and other thingies:D cheers:D
    1 point
  34. Hi overflow, how you doing. I'm just trying to have a bit of a catch up with everyone's thread, been out of it a bit, what with this MP thread,
    1 point
  35. No need for Tks sport thats we're here for to help peeps out. When you read the thread you'll see that their pre-signing is normal and the agreement only becomes executable on the OH Sig. This means its arguably an application form. I bet its over 2 pages with the Sig box being on the 2nd, again arguably this may make it unenforceable as how can they prove you agreed to the terms on the front page. NO T&Cs or statement of accounts means they have not fully complied with your CCA request So on your timeline 23 Aug + 12 (+ 2 days for postage) working days takes you to 14 Sept before they default and you can stop paying
    1 point
  36. Could be a glitch - or they are doing a running check and will contact you with an offer once you meet their criteria. Becasue you gave them permission to do this (as part of your original application) this doesn't lapse simply because they did not agree to offering you service.
    1 point
  37. Prelim sent last week. Reply from Halifax yesterday. Standard issue letter telling me all about how they won't be doing anything until the test case is resolved blah blah. LBA being sent later.
    1 point
  38. Hi Pete. Thought you would like to see this. Anti-social banks Makes interesting reading!
    1 point
  39. If Cabot lose their licence, it will be a miracle. Does anyone honestly believe that the various regulatory bodies actually do anything more than give give naughty companies a stern telling off? Look at Ruthbridge. They blatantly break the law to such an extent that you'd imagine they would have been shut down ages ago. But despite all the complaints that must have been made about them, they continue to operate like the gangsters they are. I actually think there is a need for companies like Cabot. But ONLY if they operate ethically and within the law. Sadly, they either genuinely consider that they already do, or don't care bec
    1 point
  40. Hello again pulu Details for Thames Credit are: Wells House 15-17 Elmfield Road Bromley Kent BR1 1LT Telephone: 0208 313-0033 If this is helpful to you click my scales at the bottom left (the grey blob between the green dot and the red triangle) Maybe I shouldn't really ask you to as good old Google deserves the credit rather than me. Go to Aktiv Kapital and you'll see Thames Credit occupy three floors at Wells House. I gather Aktiv Kapital has a somewhat malodorous stench about it to CAGgers.
    1 point
  41. hi lammy can tell us what forms you are trying to fill in
    1 point
  42. Kenny 'twas in response to: Mac
    1 point
  43. I couldn't have put it better myself Kenny, pal - although, if the Universe harbours intelligence as inferior as this, let's just hope and pray it doesn't have weapons
    1 point
  44. See how this reads... if anyone wants to edit it, then please feel free. Thank you for your letter of xx/xx/2007. I do not acknowledge any debt to Capital One or to Robinson Way. A request for my Consumer Credit Agreement (Consumer Credit Act, 1974) was received by Robinson Way on xx/xx/2007, which leaves them in default of a legal request for information and therefore, unable to demand/receive any payments in relation to the account until such times as they are able to locate my Consumer Credit Agreement and have it re-enforced in court. The charges that were added to my account by yourselves were unlawful and, since you no
    1 point
  45. Write to them informing them that until they furnish you with the copy agreement they are in default of your request for info under s77-79 of the CCA. If 12 days have passed since they received your request they are in default and whilst this default remains they have NO right to continue chasing you. You should remind them that also under s2.8k of the OFT debt collection guidance they should halt any action until they rectify your reasonable dispute, if they do not do so then you should look to complain furthermore to The OFT and possibly the FOS.
    1 point
  46. From figures you have supplied the interest rate would seem to be high. What interest rate are they charging ? If its excessive the court has the power to either reduce or stop further interest.
    1 point
  47. Thanks for the congrats. As far as you are concerned - you are on the home straight. To be safe - I'd fire off the Rejection letter #2 which allows you to keep the *goodwill* gesture, and carry on with FOS. For what it's worth - with some of my dosh I bought a new HD 43" flat screen and moved the remainder elsewhere (clearing my overdraft, of course!0. Remember - it IS your money! It always was!
    1 point
  48. Ok. That's par for the course with a lot of us - as you'll see from my update to my thread today! http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland-9.html?highlight=dusary+v+hbos It looks as though you know what you are doing - but keep us updated with your progress. Thanks for tipping me scales. I didn't really deserve it!
    1 point
  49. Keep us informed of your progress!
    1 point
  50. Hello and welcome to CAG! There are a few things which are a must for you to do: Read the faqs https://www.consumeractiongroup.co.uk/forum/68-faqs/ Print them out for future reference, believe me you will need them. Start a thread in the relevant bank forum. You will find the banks sections by following this link https://www.consumeractiongroup.co.uk/forum/3-bank-and-finance-subforums/ Read the threads in your banks forum, this will give you an ideal insight into what you are taking on. A few things to remember: This is your money, it t
    1 point
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