Just found this interesting little snippet- DBSG Website Stephen Dawson, Associate Solicitor at Shoosmiths will also be presenting on a contemporary issue essential to the industry, the new world of consumer protection. “The new Consumer Protection from Unfair Trading Regulations 2008, which came into force in May this year, are already causing much consternation in the finance industry,” explains Stephen. “Though the true impact of these legislative changes is yet to be known, it is clear that they will significantly affect the credit industry going forward. DCAs for example, who buy debt from a lender with poor lending agreements

Thank god you came back. Look we need to help you. Firstly this is the PPI forum, sounds like you need help on another froum where there are Moderators, Site helpers and Admin whpo can give you quality help. But for now lets see if we can help you I will direct you to the right place when needed. I know all about drugs and what they can do good and bad. Would your son come on here and seek advice directly? He would be very very welcome as far as I am concerned and the real, good, and honest people her would feel the same I am sure. What is the total of your sons debts, can you break them down into i.e., loan

thanks FB I sent it to their offices in Scotland and added on the bottom 'if there is anything in this letter you do not understand please consult a solicitor qualified in ENGLISH law' !!!!!!!!!!! Hee hee. I can just see them reading it and steam coming from their ears and then from the threat-o-matic machine as it struggles to answer that letter... anyone needing anything powered by steam get urself down to Debt Manager's offices as there will be plenty of it once they read that letter

Don't want to be difficult about this but saline is very simply sodium chloride in hydration, normally 0.5%. What is the point?

From what I remember when I got divorced, yes he could go for half the house, BUT chances are that it wouldnt need to be sold until the children are of age, but I dont know what would happen as long as at least one of them is severely disabled. Also, there is the matter of the 42k endowment that will be maturing that is solely in his name, she is entitled to at least half of that, he doesnt seem to have grasped that fact, plus, if he has £900 per month coming in, she is entitled to expect child maintenance. For what it is worth, she should at least talk to a solicitor to see the legal aspect. I think that she is in a strong positio

My 100th post could only be on this thread:p Now guys is that a milestone or not? You may now shower me with your reps........

Whilst I understand that for her it's a very emotional subject she letting her heart rule her head. From what you say the guy obviously thinks her money is his money & the sooner she takes steps to deal with that the better otherwise there's little she can or will do Also her solicitor won't be happy that she's asking for advice here particularly if his advice conflicts with that given here. She has to put her thinking head on otherwise there's absolutely no point in giving any advice which if given & which you have already indicated she ignores anyway

Thats a common ploy to avoid a SAR and a load of baloney. I have no idea about charge cards so I guess someone in the know will explain. I would be interested to know which parts of the CCA apply.

yes my case worker said i will get extra tax credits such a huge relief!

You'd never guess they had one, would you?

Another set of lowlifes picking up the scraps. This is just a bog standard letter of theirs. Send them this 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 o

I got that letter too I replied saying that any reconstruction must be based on a copy of the original signed agreement, so why don't they provide a copy of that as well. Complain to the FoS as they suggest, also make a complaint under CPUT regulations 2008 on the grounds that Miss Bennett's statements are misleading

This was response I got from Information Commissioners Office 1st July 2008 Case Reference Number RFA0201865 Dear NI Gril Thank you for your correspondence dated 15/05/08, regarding organisations performing unauthorised credit searches on you. Please accept my apologies for the delay in replying to you, our office is currently dealing with large volumes of work. This has meant that we have been unable to deal with incoming correspondence as promptly as we would like. In most cases, an organisation would need to inform individuals before performing a credit search. This is to comply with the first prin

Result .. an admission that there's no CCA !! Is there a CCJ on this one ? If not, then stop all payments, but keep this letter safe. If there is, then they'll need to prove it's existence. Since they haven't gone back to any "clients" for a CCA, they probably bought this one ages ago but don't want to tell you.

This one goes to Restons... by rec. delivery once again. Dear xxxxxx Your Ref : xxxxxxx Further to my letter of xx/xx/2008, HFC have now forwarded an Application Form document in response to my legal request under The Consumer Credit Act, 1974. The document they have supplied however, is a pre-contractual Application Form with no prescribed terms, interest rate, credit limit and/or terms and conditions. Therefore, contrary to the comments in their accompanying letter, this document does not comply with my legal request under The Consumer Credit Act, 1974 and neither does it represent a legally binding Agreement under the a

Hope this helps.

Send this to LCS...(by recorded delivery) Dear Sirs I refer to your letter of XXXX 2008 which was received today. Frankly, I am surprised of the need to advise a firm of solicitors about the terms and conditions surrounding my Consumer Credit Agreement request (Consumer Credit Act, 1974); dated XXXX 2008 for which I have proof of receipt . I can only assume therefore that they failed to inform you of their non compliance. Your client had until (12+2 days after sending date) 2008 to comply with a legal request. Should your client persist with threats of legal action as stated in your letter, I will welcome the opportunity

No don't send anything to the courts yet....but DO send the CCA requests and the Subject Access Request, The CCA requests you will need to put a £1 postal order in each, and DO NOT HAND SIGN ANY LETTERS and send them by recorded / guaranteed delivery...as for the SAR, you will need to send a postal order for £10 to Lloyds..if this is your wife's debt only then ONLY put her name and the address on it again do not hand sign it.... This is the SAR request to send to Lloyds...send it to the DATA COMPLIANCE OFFICER at their HEAD OFFICE Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACC

It shouldn't - after all it is never actually going to get to court

When you go to the sorting office ask to look at the package first. They should let you as you may have to pay money and you want the option. If you can look at it then I guess you'll be able to judge whether it's something you want or not. If you do pay up and take the package then make sure you get a receipt (they will give you one if you ask but don't do it in the middle of the rush hour!) so you can charge the sender accordingly!

Certainly, usually from Canadian 'field agents' phoning on behalf of a certain group... I love winding them up as they have NO (or very little) knowledge of UK debt collecting law and NO knowledge of our court systems.

Sent this to my nemesis in Fife. Hehehe With reference to the letter sent to yourselves on 11th July 2008, no payment has been received. A late payment charge of £12 has been added to the account. The amount outstanding now totals £353. A new breakdown of the charges has been submitted on the back of this letter. If no payment has been received within 7 days this matter will be referred to the Pre-court division, and legal proceedings to recover the outstanding amount will be started as you are unwilling to discuss this matter. I would like to draw to your attention that if legal action is taken, not only may this effect any f

I grovel to nobody. Never have, never, ever will. (and proud of it) I've had tons of messages of support on this thread and PM's too, by being different and not being afraid of DCA's, and showing others why they shouldn't be afraid of them. This thread has proven that people who have spent 4 or more hours reading this thread and realising that DCA's are nothing to be afraid of and never will be. I'm always honest with my opinions. Even if it means going against morals on if you should pay and what you should pay, etc. There's too many peeps on here who need help from like minded people. On here there's people who care about me and

Yep as Barra has said, write that into the brief details of claim. On post 37, the wording DEF's needs to be written in full. The POC linked in post 38 can be adapted to a brief detail of claim. If you are still worried about it, i will put something together later, as i am at work at the moment.

And I didn't contest the original CCJ either... I'd CCA Cabot immediately...If they didn't have the correct paperwork to go for a CCJ 3 years ago, they should have never applied for it in the 1st place.