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Hi Doc Yes it is the standard four week investigation letter. I have received one myself from BISL and will be very reasonable and allow them the four weeks ... and no longer. I have written to tell them that as a large organisation I feel that four weeks is more than ample time to refer back to the FSA regulations and the Banking Code of Practice etc etc, in order to refresh their minds as to whether they have treated me fairly etc etc ... After this time, if I have not received a satisfactory response, they will be receiving a rocket from me ... will M&S be getting one too from you?

I'm just awaiting the day a DCA calls you Cymru and you speak in Welsh !!!

OK Magda, Here's a CPR 31.14 letter modified for use in relation to a DN mentioned in a Reply. Dear Sir, Re: (Claimant's name) v (Your name) Case No: CPR 31.14 Request I am in receipt of your Reply dated (date). Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each default notice delivered to each of the Defendants and mentioned in your Reply. You must comply with this request notwithstanding the case has been allocated to the small claims track since the default notice is an integral feature of both your case and mine. You must ensur

Your best bet is to do a S.A.R. request to both companies. Have a look at this post/thread. all should be a little clearer. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/129626-mrs-sharpman-littlewoods-3.html#post1694400 Data Protection Act documentation - ICO http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=3662&d=1220540586 hope this helps Sharpman.

I can’t see a signature of the creditor or a place on the agreement where one would go which makes it improperly executed and therefore unenforceable. The t&c’s and prescribed terms may be relevant if the original document is two sided but if it’s two separate sheets then nothing ties one sheet to the other.

Hi, What is a disciplinary procedure? A disciplinary procedure is sometimes the best way for your employer to tell you when something is wrong. It allows them to explain clearly what improvement is needed and should give you an opportunity to put your side of the situation. Your employer must put their disciplinary procedure in writing, and make it easily available to you (for example, by giving details in the staff handbook). It should include the rules, what performance and behaviour might lead to disciplinary action, and what action your employer might take. By law, there are certain minimum steps that must be included in a disc

sorry but this looks enforcable. It has the t+cs and prescribed terms from what i can see. Maybe someone with more knowledge can comment as well.

In addition to the link above, this will also be useful for your daughter: Your rights if your employer is insolvent : Directgov - Employment

Redundancy Arrangements - BERR Hope this helps!

Court.

Do not offer any more than you can reasonably afford. The worst thing that could happen is you agree to the £200 then can't make the payment - you will immediately be labelled as unreliable and they'll be even less likely to agree something in the future. Write back to them with another copy of your budget and stick to your guns. I think there's a letter in the templates section if you need help.

Hi, I am too new on here to offer any advice, however I do know no-one will judge you for what has happened. Dont panic and I am sure someone more knowledgable will be along very soon to help !

Hello Basically it means that the agreement that state the ppi is as such You loan say £20,000 over Ten years. PPi costs £4.800 The then add them together and charge interest on the both over ten years at their interest rate. So you find that they added £4,095 in interest alone for the ppi. So infact the ppi cost you over £9,000 for the privilige. There is lots of useful information relating as to what is require to make an agreement properly excuted and enforceable under the cca. Have a look at the thread agreement enforcebility from page five onwards:grin:

Dear Sir or Madam, Account number: XXXX XXXX XXXX XXXX ACCOUNT IN DISPUTE 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/DCA** and has been since DATE 2008. 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 As **original/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, Subject Access request and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my

They have 12 days to comply plus one day's post at each end. The 12 days is 12 business days.

Hello rnp1966 Welcome to CAG. Glad you seem to be getting around the site ok. I have left some more links to help you. Thanks for the Donation. . . Ukaviator

The use of the word 'client' says it all. They are just collecting on behalf of their client, the creditor. There is nothing in what you have said which expressly indicates a new creditor has been substituted for a former one. x20

Get two CCAs off to these clowns as soon as possible. They should if they produce CCA agreements also produce an up to date Statement of the account

A broker is someone who tries to find you a suitable mortgage by searching mortgages from a range of banks/building societies. This is different from going direct to a mortgage company. If I were you, register at a big estate agent who has their a broker in-house, then get to talk to them. Ask them all the questions and carefully read all the leaflets they give you. Note that you should not necessarily use the first broker you talk to (or use a broker at all). You should fully expect the broker to tell the estate agent where they work about your financial position (even though it's illegal). So if you make an offer on a house, don't

Joh Do. As my learned colleagu 42 Man has said this is not the end of the world. Get the Statute Barred Letter of to the DCA today. Send by Recorded Delivery. Have a good read of the threads he listed and come back and we will all give you help on applying for this SD to be Set Aside. The main reason that it was probably sent to you was to scare you into contacting them and allowing them to bully you into a payment. Remember your family are more important than the people. If you are not happy naming and shaming the DCA involved then I suggest you do a search here for them. You will firnd out what sort of people they are. Most of them by old a

This is also explicitly against the OFT Debt Collection Guidance, so they need to brought in on this as well. In the past we have dealt with a number of statute barred debt cases governed by the Limitation Act 1980, which applies to England and Wales. Based on that experience our position with regard to England and Wales remains: a. we accept legally the debt exists b. it is the methods by which the debt is collected that can be unfair as follows: • it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period • if a creditor has been in regular contact wit

Breaking news!!!! :D In a remarkable twist, i have just recieved this email from the vultures: Dear Mr ***** (Mr Smith), We can confirm that the telephone number 07927 ****** has been removed from our system with immediate effect. Regards Philips Collection Services 1 - 0 to me i think!!! C

I work for the group that owns Advantage loans. As with all loan brokers they will refund anyone who requests a refund if they are unhappy with the loan that they are offered. Simply get in touch with their customer services dept.

Won my claim against Cahoot and have just cashed a cheque for £1780.55!!

No. The action is incompetent. An English court (and consequently the appropriate English statute) does not have jurisdiction. The SD should have been issued under the Bankruptcy (Scotland) Act 1985 section (7)(1)(d) and would be Form 1 and you would just fill in the denial slip to get it set aside. Never ignore an SD, even if it is incompetent. I would simply enter the following to get it set aside (from The Govan Law Centre website).

Hi Chinneygirl, First of all i have the same problem with Egg and i have been dealing with a director and received a letter in the post today and in the letter is an amount that Egg are willing to pay me back. Which includes unpaid direct debit fees, Card protection Plan (CPP) and Card Repayment Protection (CRP). Egg have basically agreed to pay these charges back in full. The people I am dealing with and i would recomend everyone else to deal with are as follows. Kathy Curzon 08007 834 393 ext 6157 Wendy Schratz - [email protected] ; [email protected] Dont let them fob you off, I even had to file this in county cour

You could write back and say:- Dear Sir or madam, A/c no blah blah I am confused by the comments in your letter of blah. 1) I have received no Notice of Assignment in relation to the alleged debt. 2) I would not expect to receive a NoA, as the a/c is in dispute. 3) You have yet to provide with with an enforceable Credit Agreement in response to my request. I would appreciate your early response and, in the meantime, please ensure I receive no phone calls about this matter. All contact must be in writing. Yours faithfully,

Dave some good advice above.....send Havingastellas letter by recorded delivery (and don't hand sign it)....as for debt evasion, this is utter rubbish...the only way debt evasion will ever figure is if you have been convicted for fraud and, for example, you have faked your death, or changed your name by deed poll.....They will lie to frighten you into paying....

Hi Dave, the threat Monkey is talking absolute Bowlarks. Unless they have obtained a CCJ against you at the old address then the account is Stat Barred. Even if they have obtained a CCJ at the old address they would have to show exceptional circumstances to reopen the account for collection. If they write to you send them letter 'M' from here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html If they continue to call you, send them this Harassment by telephone - Consumer Wiki Hope this helps Jogs

visit the vodafone.co.uk e-forum where one of the advisors will look into your query. Do not withold payment as this will have a negative affect on your credit file.

Hi Tiggsy Baby:eek: Think it was under CPUTR (or similar) legislation in April. I would keep the pot boiling & whizz a letter off this week. Tc