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Popular Content

Showing content with the highest reputation on 31/01/08 in all areas

  1. 2 points
  2. The EU's Unfair Commercial Practices Directive (UCPD, Directive 2005/29/EC) has to be implemented by the UK. The DTI, (as is) has consulted on what this will mean for the UK. http://www.berr.gov.uk/files/file39705.pdf Hidden away, nice and sneaky like, is the proposal that failure to supply a copy of the CCA under S77 onwards, will no longer be a criminal offence. 3.65 Paragraphs 18 to 22 amend sections 77, 78, 79, 103 and 110 of the Consumer Credit Act to repeal the offence for failing to give debtors or hirers under a regulated consumer credit or hire agreement certain information on
    1 point
  3. I DID IT- I WON A few weeks ago, i was terrified, not sleeping, alone and more importantly ignorant and uneducated on the cca and debt collection. Then I stumbled upon this site and that all changed. WIth the help of Docman and others on this site, I decided to fight back. With the patience and advice of Docman I drafted a response (late) and attended at court to face the enemy. Outside of court i was asked by the other side "Do you want to settle" I politely declined. detailed below is an abridged version of the court case in the hope that it will help others who find themselves
    1 point
  4. This may help; Harassment by telephone - Consumer Wiki
    1 point
  5. Isn't it a shame that he fell victim to the illnesses that he raised so much money for research into. His family must be very proud of his memory.
    1 point
  6. Probably not - was only advising on the possibility so taht the Op would be careful, as i've alraedy said.
    1 point
  7. Im not taking sides. The question was asked why ? I have given my opinion why. Thats all.
    1 point
  8. Hi everyone. I am so sorry not to have gotten back to you as i have been of the site for a while. Thanks to the majority of your responses. The Out Come. My son checked his bank statements and the cheque for the £30.00 had been cashed by the rail Authority. I phoned the court and asked them about the hearing on the 15th of January, they had no knowledge of one. With that being the case we just ignored the letter and nothing further has come in the post. As far as we are concerned my son has paid the penalty and it's been excepted the issue is now closed. MTM your comment on
    1 point
  9. Chris, I think you have all bases covered in this one. You've done the research and bought the T shirt! If, and that's a big IF, this does go to court, you will know the exact history of the dispute unlike any bog standard solicitor they send, who will probably not have the foggiest . . . BAE
    1 point
  10. Is there anything to indicate the application and T&Cs are not parts of the same document? eg Are there any crease/fold marks showing on one but not the other, thereby indicating one document is not the reverse side of the other? As you probably know, Restons recently sent me some copy documents and this was one of the things which stood out. Fingers crossed for you Bug Rob
    1 point
  11. Hi ab123uk, It sounds as though you're having a very difficult time right now and the debts you have are probably making you feel even worse. Hopefully, we'll be able to help you to sort through these issues over the next few weeks/months. Have another look at some of the advice you've received, particularly the posts by MilkTrayMan and Harvest as they've given you some very good advice that you'll be able to research further on this forum. Hopefully, with support from other CAG members you'll be able to reduce your debts substantially. Also, if you do need accommodation quite
    1 point
  12. Hi Karen, I'd go back to FOS and say you've heard nowt from Barclays or DCA in response to your CCA letter that Rory gave you in post #55. Supply the stuff they want and leave it with FOS. Keep making a log of any contact from DCA and send log to FOS. Send DCA a note of FOS Investigation Complaint Ref. No. and tell them they're going to be reported for Breach of OFT Debt Collection Guidelines.
    1 point
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