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Showing content with the highest reputation on 10/04/08 in all areas

  1. Hello phatram, I understand that it is NOT easy to take on other peeps kid's, especially those which have come to the attention of Social Services + therefore MAY have difficulties that require patience, understanding + plenty of love + stability in their troubled lives. However... Your Posts cause me deep concern phatram. U appear to NOT want to be prepared to integrate your charges into your own family + are setting up an underlying Us Vs Them atmosphere within your household??... Being a 'parent' is perhaps the greatest honour that can be bestowed on ANY one individual. The zillions of childless couples/post menopausal women who c
    2 points
  2. johnmaddison, I suggest you do a bit of research before making such comments, especially as its your first post on this forum. Firstly a Bailiff can only gain peaceful entry unless carrying out warrants for HMRC. If peaceful entry is made then they can levy on goods and walking possession can be initiated, failure to keep to any payment plan with the bailiff after this has been done means he can then and ONLY then return and force entry, he MUST have gained peaceful entry first!! So initial contact and threatening to use a locksmith is intimidation and an attempt to gain a pecuniary advantage, A CRIMINAL OFFENCE!
    2 points
  3. Hi Dave. Most important reading is the FAQs and the step by step guides......Spend a few days on them..... you will find it's time well spent. When you're ready, start your own thread in the appropriate forum and post any questions and progress reports there. Remember. It's far better to ask a dumb question than make a dumb mistake. A dumb mistake could jeopardize your claim. On the other hand, there's not really any such thing as a dumb question. Nobody knows everything, but with over 176,000 users' experience to draw on, the answers are never far away. Regards, Rooster.
    1 point
  4. First Logistics Direct is the tracing arm of HFO Services who seem to specalise in nearly statute barred debts.... they use this lot to try and trap people into acknowledging debts which are almost statute barred. Ignore them and if they send a letter or another card report them to Your trading standards and THEIR trading standards.
    1 point
  5. I think either a claim for all damages, anxiety and distress caused by Lloyds, under the Data Protection Act, or a complaint to the Financial Services Ombudsman, who also has the power to award compensation. A complaint to the Information Commissioners Office would be a good start. Will have a think and get back to you. £250 wouldnt even start to cover it. DO NOT accept this insulting offer.
    1 point
  6. You've done it again. "Tar everyone with the same brush" ?? DCA's treat everybody as "wont pays" - as far as they are concerned there is no such thing as a "Can't pays" because if there were, DCA's would be wasting their time and money chasing, wouldn't they. You don't have to be Alan Sugar to work that one out. The idea there are hundreds of thousands of people out there who take out loans, credit cards etc, etc with no intention of paying it back and are ruining the economy is a total myth. It's the kind of crap you hear at DCA training seminars to make the staff feel like they are "doing their bit" and to try to introduce a feelgood factor
    1 point
  7. If you're lucky that is - most operate on a kind of 'no result, no fee' basis. If it gets as far as court, the DCA will more often than not have to slink away empty handed and try to con someone who isn't in the know. You made an enormous mistake with your example of involving a third party. I can only assume you are new to the collections game - or else not exactly 'au fait' with how it actually works. Don't forget, there are people here involved in all walks of life and there's a very large pool of knowledge in many fields. If you honestly think you can change the opinions of people here who have had first hand experience on both ends of the
    1 point
  8. 1 point
  9. you have 4 green blobbies now;)
    1 point
  10. Found that website, but how do you mean about 20 websites behind?
    1 point
  11. Send them the Statute Barred letter template. It's up to them to prove it's not,by providing evidence of payments made in the last 6 years or evidence of the debt being aknowledged. Then sit back and wait, if they respond with more threats of court action, just remind them of their obligation to provide proof they can lawfully persue your cousin for the debt. It's easy to mess DCA's around for a few months, so June's not too far away. Just don't send any payments or admit in writing or by phone that you owe anything. In 6 weeks, problem solved.
    1 point
  12. Hi, Andrewman. Just wait until they come back to you about the CCA. No CCA, no enforceable debt. Regards. Scott.
    1 point
  13. This is andrewman's link http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/138070-littlewoods-cabot.html
    1 point
  14. Splendid! As far as the letter is concerned, a lawyer friend once told me that however tempting, it is always best not to give anything away to the other side. Apex's letter is full of DCA threatspeak - this may happen, and so on. At this stage, Apex (or any DCA), would respond to a complaint by pleading ignorance; that the OC didn't tell them there was a dispute. If they write to you again, however... I favour, whenever possible, brief letters to DCAs. In this case, along the lines of:
    1 point
  15. one message would have been ample to put your point accross. when dealing with DCA's, it is bestto remain professional as this will further increase your chances of doing battle with them so to speak.
    1 point
  16. Hello SS! ...and I wonder if this is why they seem a little reluctant to send you another Agreement! Cheers, Keith
    1 point
  17. Have a read of this "Prove It" letter template and then consider your options: 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 OFT say under the Guidance that it is unfair to pursue
    1 point
  18. Global trade is going to turn out to be much like Global finance has today - in meltdown & it's all the fault of the manufactures. Like the lenders manufactures, to save labour costs, have sent their production abroad to places like China where there is no proper regulation. The result has been that there has been an over 1000% increase in counterfeit items being sold worldwide I'm not advocating the purchase of counterfeit goods but don't let the brand names kid you many many of these counterfeit products ARE as good as the original & those that aren't are getting better & better in order to compete - why - because the same factory tha
    1 point
  19. Hey N.P, what a great read this thread is. Your going through a mirror process to me but im a few months ahead of you so heres your fortune telling. After Fredrickson have finished with you they will pass you on to bryan carter and co whom are just fred in disguise so no panic there then, you may have to write to them saying what you have already said once to fred as Bryan carter is a little dim. After you tell Bryan carter where to go they will fire of a couple of standard letters to you claiming that this is what the costs 'COULD' be if they were to goto court. they will then go quiet and a few months later you will recieve your Cabot membership
    1 point
  20. Hi Aled , welcome to the HSBC forum, If you follow the advice given by slick132 you can't go far wrong. Basically, these charges are unlawful and thousnads of people have reclaimed them using the formula outlined above. Thousands of people have been refunded , up until July last year, when the courts started holding(Staying) claims, until the judgement of the OFT court case is handed down. However those who are in the system(i.e. court action pending) will be first in the queue when things start moving again. So ,yes, it would be worth your while to set the ball rolling and take the process as far as you can.......... Just take it one step
    1 point
  21. http://www.consumeractiongroup.co.uk/forum/halifax-if-successes/116741-halifax-default-credit-agreements.html hear is a link to my battle with hbos post 112 may help hbos has no cca or default notice after i sent that letter default was removed from cra but they did not inform me of this after i checked my cra, default was gone decided to let sleeping dogs sleep
    1 point
  22. No reply is needed, file under ignore. They know the required timescales for a CCA request and as such are lawfully bound to comply. If they call simply state that you will not converse on the phone and everything MUST be in writing for the avoidance of doubt.
    1 point
  23. Hi, Giantsf49er. Can't see any attachment ? If they are asking for your mothers signature, send them this.... Dear Sir/Madam, RE Account NO XXXXXXXX Thank you for your letter dated xx/xx/2007 the contents of which are noted In your letter you make reference to requiring my signed authorisation before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature before you comply with my S78 request. If it is for Data Protection purposes then I can happily supply you with documentation to substantiate my identity to you. However, please note that t
    1 point
  24. Also, after you have received your S21 Notice of Seeking Possession, the lanldlord whoever that may be, cannot start proceedings against you until after the date stated within that notice. When I deal with this sort of thing I always put a clear 9 weeks on the notice cover myself. The Courts are very picky of late and even one day out with the NOSP can get it chucked out of Court. So, after the date on the NOSP the landlord applies to Court. Depending on where you are in the country and the level of workload within your Court it could be up to 6 weeks before a date is given for a hearing. A S21 NOSP means the judge cannot have any leeway to allow you to
    1 point
  25. Hello, Do as BB has suggested and sent off a legal request to the Halifax for a copy of your true credit agreement. Here is the link Creditors and DCAs - Letter Templates & Budget Planner You need letter N send it recorded delivery with a £1 payment. You can check on the royal mail website when they received it:-D There are statutory timelimits by when they comply to this request. 12 working days + 2 postage (breach of the cca 1974) then a following 30days (criminal offence) I would also send a SAR which costs £10, they have to by law under the Data Protection Act supply you will all information they hold one you. If you
    1 point
  26. Ooooh how strange, I thought I had replied to this earlier, but now its not here??? Oh well if it suddenly appears again then you know why I have answered twice Vicklylm - I emailed the Ombudsman direct at the following email address [email protected] You do have to fill in the complaint form which I did realise when I sent the email to this address, but I emailed first as I wanted ptp off my back and I also wanted them to see that a) I had contacted the Ombudsman and b) so they could see what I had said. I am sure they appreciated my consideration there ;-) The Ombudsman replied saying I had to fill in the form
    1 point
  27. copied from TT Clause 1.8 (In Respect of Distress) 1.8 Upon contact with the defaulter, the authorised employee will seek with the following to: Obtain full payment If full payment cannot be obtained to effect a levy upon goods If a specific levy is made, agree a payment plan, providing a part payment is made at the time of contact and full payment will be completed within 60 days of issue of the warrant. 1.9 If payment in full is not forthcoming after contact is established, or after non-compliance with a payment plan, the contractor will issue notice of attendance to remove goods. 1.10 The contractor shall use
    1 point
  28. Pammie is too plastic. Can't possibly post a pic of her on a family viewed forum. Will post this one though. Far more classy..... Yep the lovely Anna Kournikova. (I could give this girl the best 5 seconds of her life. 3 if she doesn't want foreplay.) Stoke on Trent foreplay= "brace yourself duck."
    1 point
  29. Hi Checkoutdolly If you get stuck with the spreadsheet, PM me an email address to send you an attachment. I have a good spreadsheet you could use. Are you going after Contractual Interest?
    1 point
  30. Hi Bev, See how you get on with the claim - if the chgs clear the debt or nearly do so, no need to CCA them. Also, send them a Rejection Letter from here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html . Select the one most appropriate for your case.
    1 point
  31. 1 point
  32. Hi JB, Welcome to the CAG, your in the right place here on in. First thing, you must NEVER SPEAK TO THESE MORONS ON THE PHONE, EVERYTHING IN WRITING FROM NOW ON! They will tell you anything to get you to pay! DO NOT MAKE ANY PAYMENT OFFERS! DO NOT SIGN ANYTHING! PRINT YOUR NAME! I`d go with PV`s Option 1 for now, the prove it letter; Have a good read and edit to taste - REQUEST FOR INFORMATION UNDER THE CIVIL PROCEDURE RULES. Dear Morons, I Do Not Acknowledge any debt to your company. I have today received your letter dated ** October 2007 Ref *********** which purports to be a letter before
    1 point
  33. Hi JB, You did the right thing coming back to CAG for advice! It sounds as though this is a phishing trip and this firm are trying to get you to pay a debt that has been sold to them as it is either Statute Barred or almost so. Statute Barred means that the debt has not been acknowledged in writing or had any payment made against it for 6 years+1 day. It sounds as though this would fit in with your recollection of the date your wife had the card. In my opinion, you have 3 options: 1) Send a letter to say "prove it" to Mac Hall 2) Send a letter stating that the debt is Stat Barred (if you're sure of your dates) 3) Send a request f
    1 point
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