I made you laugh. Where is my click on the scales then? I want to be known as Fuzzybobble of the 3 green blobs.

I had no idea what i was starting by posting this thread...never realized the positive effect it would have on so many people's lives

Hi there, are you saying you have received an eviction notice? if so, you can submit an N244 form to the court asking for a hearing to defend possession - you can download the form here Her Majesty's Courts Service - Home select Forms & Guidance from the left hand menu and enter the form number. If you need any help completing the form, especially part C, please let me know. Provided you can show that you are in a position to clear the arrears you should have no problem in getting a further suspension. I have been involved in helping people who have been to court 2 or three times to defend possession. Kind Regards E

no more from me until i got at least 5 "green blobs"

Not wanting to sound pathetic but I only have 2 clicks.:o

Given you a rep FB lotsa luv from VV (although I will never forgive you for pointing out tubgirl!!)

Although this is a commercial site, it does give a good overview. Document Scanning Scotland, Edinburgh, Glasgow, UK - DDSR Digital Document Scanning & Retrieval Newborn

Does this mean that it has come to an end then? I can't see the banks letting us conspire against them! Anyway, for me I will go to the 'new' site, if that's the case. I don't have one single problem with this, and well done to Dave and BF for the help we've all had thus far. C'est la vie. I haven't a scooby snack what's going on but, I assume the banks have aquired CAG to shut us up. I hope we'll give them two fingers where that's concerned!! Is Angela Knight going to be a mod?? I need a Vodka...... :grin:

It has been paid to the aco**** that Halifax officially have nothing to do with, I'm going to try and do something about these blatant lies they tell when alledgedly external DCA's get involved.

No he's not & he ain't alone The lenders in an attempt to increase profits have over the years introduced business models which have little or no regard for their legal obligations, & why should they they have gotten away with it for years - the courts grant CCJ's at the drop of a hat without ever asking to see proof that the debt exists & few claims are defended. Now however & this is what scares the hell out of them, is consumers have rebelled because of the lenders avarice & are now finding out thanks to site like this that they do have rights & more & more are refusing to be pushed around by these par

I have a particularly useful site bookmarked where you input their email address and it signs them up for all manner of spam from all manner of spammers...... some of those baiter sites literally would have you in hysterics if you have the time to read the whole baiting process.....I remember one about a laptop in particular.....crazily funny

Hi watch Littlewoods they sent me a blank agreement which they had filled in with the correct name but our present address not the address we were living at when the account was opened. From experence Littlewoods have just in the last 18 months started to send out agreements to be signed so they porbably don't have one for you. all the best dpick:)

Hi just to let you all know that today I attended court. CL sent a reresentative in the form of a Solicitors assistant (Whatever 1 of those are). My case has been adjourned for 28 days + 7 days (I think that is what I understood) Not sure if it's a good thing or not but the District Judge ordered that CL produce the notice of assigment and the correct balance o/s etc, Will be back later asking for further help, Just to let u know what happened if look you at my post Cohen & my property it might help you.

Hi, CAIS is simply the name of the very big database that Experian has (it stands for Credit Account Information Sharing). The other CRAs have their own version but Experian’s is the biggest and most widely referred to. There is also Equifax and Callcredit who have their own databases. This contains just about everything you do with any credit related product that you hold (however, having said that, there is usually only default data for bank current accounts). Since it is only connected with credit, then it doesn’t hold details of any savings accounts etc It is divided into positive data and negative data

This was dealt with, by the way, just thought you should know. If anyone receives something similar from any other users, please report it immediately to a moderator or site helper. Cheers!

Until a DCA or OC takes it to court, a debt is rather like one of those tiresome turds that simply will not flush away. Even when it's statute-barred, it's still there, lurking just around the u-bend for the next DCA, ever lower in the food chain, to, errm, pick up.

try pay it forward to spread happiness.... watch the film it really is a good !!!!

Hi ya, Was searching through the net to see if I could find anything of value and found this interesting site about brains and how they work; http://www.thenakedscientists.com/forum/index.php?topic=1370.msg20937 Also found this about ‘mind-mapping’ http://www.thenakedscientists.com/forum/index.php?topic=1370.msg20937 This one is all about how to keep students ‘learning’ http://www.ltscotland.org.uk/learningaboutlearning/brain/research/brain.asp This site relates to your query with imaging and verbal memory; http://www.hno.harvard.edu/gazette/1998/09.24/BrainScansShowH.html Hope you find something, especi

Update Finally got around to it! HFX Credit Card Claim filed at Lambeth C.C. this morning. Current Account case to follow shortly

My advice is stay quiet you dont have to do anything untill the day suprise is my motto dont let them think about a reply to your arguments they wont give YOU that courtesy

Thread title changed. Els

Cabot no longer phone me. But my last email to them went something like this... well, EXACTLY like this, to be honest... Strangely enough, I've not had a reply

This is a tricky one, for where the company is in any way subsidising journeys between work and home, far from being tax benefits to the company, there could also be tax liabilities for yourself. HMRC will not allow subsidised travel for regular work journeys without it being deemed a benefit in kind and therefore subject to tax and NI. The only exceptions are where workers are required to work later than usual on an occasional basis. This may be one of the issues which your employer is concerned about, together with the H&S and insurance implications of transport provision by the company rather than private operators. It seems as th

Dave, this has been going on so long now I'm wondering if you should change the thread title to "Robinson Way ..... The Never Ending Story". You'd really think they'd have given up by now because it must've cost them more than the debt is worth in terms of their time, paper, postage, phone calls etc. All your efforts are much appreciated as it gives the rest of us valuable input into what to expect from this company and how to respond to them, so thank you. :)

ello and welcome, 1st thing cease telephone convo's. DONT talk to them, 2nd send a CCA request (click the link below letter N) send by recorded with a £1 postal order they then have 12+2 WORKING days to comply after this time you can LEGALLY stop all future payments to them until such time they provide a credit agreement with a signature against it, if as you say was a few years ago it's very unlikely they will have an agreement so you can tell the to "Go Fish" (no pun intended) robbing way just bottom of the pond feeders that will do ANYTHING to get more dosh out of you, don't worry about it, don't panic, you are in good ha

as godmother put in post 3 of your thread this is the right letter that should be sent here: Re: my request under the Consumer Credit Act 1974 Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. 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.

1 because i had this standing order with jb and apex can they add these debts to mny record for non payment they can report to OC and they can modify it, JD can only do it if it in their name 2 can they take legal action yes, BUT they MUST have a credit agreement or judge will kick it out. 3 am i right in that i have no agreement with them they have no right to claim money correct, i assume you have CCA's them? if not click link below letter N, send by recorded with £1 postal order, print your name do NOT sign it. 4 if 3 is correct can i claim for refund of the 2 years they have been taking cash off me under false pretences hon

Hi Dotty. When you say they have registerd a default do you mean Marlin or Arrow? I think you should write and tell them (assuming it is Arrow) that, as they have not complied with your request under s78(1) of the CCA 1974 within the statutory period, within one calendar month following the expiry of the statutory period or at all, and they have registered a default since your request under s78(1), then 1. They have committed an offence under s78(6) of the CCA 1974 because they have not complied with your request under s78(1) within one calendar month following the expiry of the statutory period; 2. The default they have registe

Hi, I am in the same boat as you just a little bit further down the line. Have a look at my thread as I have been given some fantastic advice. Cohens & CL Finance Claims...Please Help. I wish you luck.

Hi there Im so sorry to hear about what has happened to your property. It must be very worrying for you being so far away. IMO it is the letting agents at fault here as they have not "managed" the property properly. Have a look at your original agreement with them. It will state exactly what they will do for the 1.5% etc., per month of the rental value. Normally properties are inspected on a regular basis. If this was done then it would have been clear that the tenant was not taking care of the property and that there was damage. This should have been rectified at the time and YOU should have been informed. The fact that

Yes. Your getting this DCA lark...