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Popular Content

Showing content with the highest reputation on 22/05/08 in all areas

  1. The lack of a credit agreement simply means that the account is unenforceable - it does not mean that no debt exists. The bank have the right to offset the refund of charges against the account.
    1 point
  2. There are moves afoot to allow CU's to handle outgoing DD's together with other functions normally the preserve of the banks If that does happen it will probably lead to a mass exodus from the banks to the CU's & no bad thing too
    1 point
  3. now there is a bit of irony. and I wonder how many people know that the Nationwide started its life as "The Co-operative Building Society" but was "removed/asked to leave" the Co-Operative movement as it did not use the Co-operative bank as its main bank. off topic i know and useless info but ironic all the same. Ill be nipping in to the co-op bank in the morning
    1 point
  4. That is still the same locutus. That is why I recomend them to people with CCJ's and who are over £220,000 in debt. If you have a problem opening an account with these people your doing something wrong.
    1 point
  5. I'm afraid this technology does exists. I have seen this used at my work altough who I work for have no links whatsover with the collections business. See example below they are not even expensive (Edit)
    1 point
  6. Hi, If you or your friends get stuck, why not look at http://www.iva.co.uk it is a site very similar to this one with all sorts of specialists answering queries. It seems like the IP didnt go for the personal touch with them and kept them in the dark e.g when the creditors suggested modifications. Above all you can settle an IVA early. Is it possible that they take some equity out of the house and offer a full and final settlement? Not sure how much they have left to pay on the IVA as it stands now, but say for example they still owed £15,000 then perhaps an offer of £10,000? Look on the
    1 point
  7. Am I right in thinking our PM's Office have to acknowledge every letter and answer it? If so can't we all send a letter about bank charges and make him have to answer them all. Also we could design a car sticker and show our support. Make it one we can just print out and stick in the car.
    1 point
  8. Hi If you have informed them hubby has changed from P/T to F/T and given the correct figures I am sure everything will be ok. Try not to worry. When you get the letter through make sure you check the amounts and if they are wrong then ring them again.
    1 point
  9. to MTM Sounded like you said it does not matter who the posts came from about the case conference - but it does. People have taken the time to attend and report and despite the way the other forum is critisised on here have given permission for them to be posted. also if you dont agree with some of the comments /reporting you will know who to blame;) bolshie
    1 point
  10. You're entitled to your opinion, but despite the gloomy nature of the press, as a country we are currently almost as affluent as we've been at any point in our history... although it's precarious, and we are suffering compared to a few years ago... I'm talking about the things that happen in countries were the s**t really hits the fan... like 1929, where people can't afford to feed themselves... like it is in zimbabwe, which shows you how quickly a prosperous nation can decline into abject poverty. Bottom line is, what I think CAG has always stood for is making sure the consumer gets
    1 point
  11. Yes it does matter who's given credit Budgie has put a great deal of time & effort into this & it's only right they be given credit. Anyone passing off someones else's endeavours, even inadvertently, as their own is open to criticism & charges of plagiarism
    1 point
  12. Ok everyone I must inform you that all post that I have pasted in here are from L E G A L B E A G L E S ON BEHALF OF AMETHYST. I did try to post the links but for reason they are not allowed in this forum. I just want to make clear I have been keeping you updated through sources of another website. Our very kind regards and thanks to Amethyst and all the others on the forum who have been allowing us to use the information they have posted in order for me to able to update you all with information to use at your discretion. Ladidi
    1 point
  13. Hi Try this letter for starters You may want to include this letter about the threat of home visits from here. Never speak to these people on the phone as they will try anything to get you to make a payment. saint
    1 point
  14. Yes, and here is our manifesto. Crusher = All tractors to be kept off the public highway. Spiceskull = Free Pasty's for all. Lex = All dancing baby's to be covered in crayon and smilies until they go back to posts like this :- http://www.consumeractiongroup.co.uk/forum/show-post/post-1526153.html
    1 point
  15. Hi stefano, click on this link it will take you to the main Debt Collection Industry Forum. If you then scroll all the way down to the bottom you will see a button. "new thread" click on that and a new page will open up, you just give your thread a title.. "Stefano agains the world" or whatever .. type in your question and hit submit. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/
    1 point
  16. IMHO I think the Judge should just ask the banks to declare their true costs to avoid any more time wasting and use his Judgements based on the facts they present to him and inform that either the amount should be reduced to £? or all refunds should be given back to the consumer until the OFT & the Banks can come to some resolve on the issue no more monies can be collected from the consumer until a fair and just amount is in proportion to their true costs!!
    1 point
  17. Edit this to suit.... ACCOUNT IN DISPUTE Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened. As **original cr
    1 point
  18. Hi folishgirl If you have your statements you put the monthly interest charges along with the other charges into the advanced spreadsheet (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html) and it works it out for you.
    1 point
  19. Hi CitizenB, Just having a nose through some of the threads you started and noticed this one. I have just got a prepaid card and its pretty good. It costs £4.99 per month and you can use it anywhere. Details can be found at (edit). You can top your card up at any paypal location and pay money in at any Barclays branch. As pre paid cards go this is one of the better ones. It also provides a good sms service where you can just send a text to check balance or transfer funds between cards. regards, Smithy.
    1 point
  20. I would send a SAR to Nat West asking for ALL Data that they hold on your partner as there seems to be some confusion about what is owed and on which accounts. saint
    1 point
  21. No, they haven't complied....to comply the copy MUST contain your name and address. Write back and remind them of this. Paul
    1 point
  22. Holiday companies seem to be a law unto themselves and I believe take everyone for fools. You can report this to trading standards and and make a complaint to the Advertising Standards Authority especially if the advertisement is still on Teletext in the format that conned you into booking. Advertising Standards Authority
    1 point
  23. Hi Parky, You can continue your later claims which include CI if they fail to offer what you want now. So next move will be your LBA's. Please start a new thread for the Mastercard if you go ahead with LBA to keep seperate and easy to follow.
    1 point
  24. Their response is complete and utter rubbish! They are duty bound by the CCA to provide you with a copy of the actual signed CCA agreement. It MUST : Contain ALL the prescribed terms as laid out in the 1974 cca Be signed by both parties What they are interpreting are copy document regulations - copies of agreements made at the point of signing. The CCA request you made was for a copy of the ACTUAL agreement they hold as security against the credit account you opened. Their decision not to chase you is acknowledgment that they have no such document and therefore cann
    1 point
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