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Showing content with the highest reputation on 22/03/09 in all areas

  1. Hi user2006, your Virgin card is run by MBNA therefore you send all communication to MBNA. If you need any specific help, you should start you own thread where you'll get more help and your questions won't get drowned in this general-ranting-thread! ;-) Good luck FBR
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  2. well i stand by what i say, charity (should) begins at home but unfortunately here it dosn't which is why outsiders take advantage of our generosity which leaves genuine british tax payers, oap's, nurses, teachers etc etc short sorry for being patriotic but we should look after our own before we look after others !
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  3. Mmmm, yep, you do have a point. It`s not up to the borrower to have to work out the payments etc. They should be simple to read, in laymans terms, for people like me to understand :grin:
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  4. Hi and welcome to CAG, for some reason I can't read the images but here is a letter based on the above you can send: Dear Sirs, Account no xxxxxxxxxxxxxx Re: my request under the Consumer Credit Act 1974 This account is in Dispute . On xx/xx/2007 I wrote to xxxxxxxxx requesting that xxxxxxx supply me a true copy of the executed credit agreement for this account. In response to this request I was supplied a mere application form which did not comply with the requirements of the Consumer Credit Act 1974. The document sent purporting to be a credit agreement does not cont
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  5. Sanpez You Dont Sign Anything Print Your Name Photo Shop Thats All I Am Going To Say For Obviouse Reasons Taken From Personel Experience
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  6. Send Your Sar To Welcome Financial Services Ltd Compliance Ruddington Fields Biz Park Ruddington Nottingham Ng11 6nz
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  7. No priority debt everything up to date it's just credit cards overdraft ect would never have been able to pay it back so changed bank offered £20 a month due to only husband working they said no wanted £60 so have now defaulted me but was being charged around £45 everymonth due to being overdrawn
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  8. Hi Seq, unless you have previously signified your agreement in writing, then this in an unlawful deduction from wages. Proposed main text of letter to employer, insert this into sample letter no.9 on this link: http://www.lra.org.uk/microsoft_word_-_document_-_sample_lettters_discipline_and_grievance_9-2008.pdf In my pay packet for the week ending [insert date] I discovered that my employer, NAME, had made deductions from my wages for that week in the aggregate sum of [£ ...]. I was informed that these deductions were to reimburse NAME for an al
    1 point
  9. Last word from me on this issue, but it sounds as though you're referring to this story, and since you've raised it it needs to be challenged. The council in this case made a momentous cock-up by housing them in accommodation that was grossly and needlessly expensive. This massively profited a private landlord to whom the rent is paid directly at no benefit to the family whatsoever. The council overpaid for the house as it is not particularly mansion-like as the outside photo shows, yet the family now cannot afford to heat it on the money they actually receive as heating is not covered by
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  10. The £225 is nothing to do with s18 - the House of Lords case that shakespeare62 linked is qute clear - a fee like this must be in the TCC not the amount of credit. Otherwise, the prescribed term (amount of credit) is mis-stated and the agreement is unenforceable. No need to invoke s18.
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  11. If you intend to dispute the claim, you must appear in court (or be represented) on the hearing date to state your position - you don't actually state a defence on the copy summons. To dispute the claim, you would simply complete box 3 at section B on page 5 of the copy summons. You must return page 5 to the court on or before the return date shown on the first page of the copy summons. If you do not, the court may grant the order sought by the pursuer, together with any interest and expenses claimed. If you intend to counterclaim you should send the court a written note of any count
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  12. Hi willtheywontthey.. If the default notice was sent on a friday or saturday then two working days are required to provide "service" of the said document so monday + tuesday are out.. then the 14 days start to count. So if it was sent Fri/sat, service is deemed on Wednesday 18th and then 14 days from that gives rectify date as tuesday 31st March. They can still issue another default notice up until they terminate the agreement so dont let them know tho:D The date issue only becomes important if they take you to court for the full balance, the fact they havent given you time to r
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  13. If the DN was dated the 14th and only gave you until 28th to remedy then that is invalid. You are to be given 14 days + a postage allowance of either 2 days 1st class or 4 days 2nd class (did you keep the envelope). Apart from which, the 14th March, as you rightly say, was a Saturday. Weekends are discounted for postage so it couldnt possibly have been posted until the Monday, 16th. Effective delivery date 18th - 1st class, 20th - 2nd class. Reducing the amount of time allowed even further. HTH
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  14. MMM, it would seem to me that you have sent many letters requesting information, or at the very least a response to the letters you have sent. IMHO, I would be going on the offensive, sending either of the following letters. First one was prepared for Lexis 200 by X20. I think I have seen a kind of mishmash of one his letters you have already sent. You will find the letter X20 wrote in the following link. Read it carefully and amend where necessary. http://www.consumeractiongroup.co.uk/forum/show-post/post-1800199.html Alternatively a short, sharp letter as follows: "
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  15. In the context of a side-skirmish on behalf of Mrs VS, I have run into an argument based on a regulation 7 of the Copy Docs Regs regarding the provision of current Ts and Cs rather than both original and current Ts and Cs. This came up on another thread too and I promised to post some wording I was concocting and to post it here to give it a wider audience (or wider exposure for critics ). Here is the wording, in the hope it might be useful and/or provoke discussion: Contrary to assertions made by X in a letter dated X, X has still failed to comply with its obligations under se
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  16. You can't receive Income Based JSA and Income Support at the same time. If you have been out of work for seven months then you really should have been asked to widen your jobsearch past your normal type of work. I can understand it is frustrating but there have to be basic rules about what people can and can't do while in receipt of benefits. If everything was looked at case by case then it would be an administrative nightmare and cost a fortune. Good luck if you go to China. You will definitely have to sign off as Zamzara has said and then make a rapid reclaim when you come back.
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  17. you're in good hands (and very lucky I might add) if andyorch is going to give you advice.
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  18. Opps sorry Smarterchick - unfair question. Just read your other thread and realise you've been working hard for sometime uncovering the Abbey rot too! Really mean it - great work! In answer to the "equitable assignment" argument that the lenders put forward, what they are really doing is exploiting the registration gap, i.e. the gap between the date on which the parties sign the contract and the date on which the LR is informed of the change of ownership. For us law abiding citizens, when we buy a property, we complete our purchase/sale on X date, and our conveyancer solicitor will se
    1 point
  19. Hi Sunflower, I think it is your original credit limit that counts - and £1,500 isn't on the table, so you are in luck:)
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  20. If this is going to OFCOM, the regs to quote are here - http://www.consumeractiongroup.co.uk/forum/letter-templates/131250-dca-creditor-harassment-telephone.html I'd change "... a campaign of systematic contact with accompanied by threats." to " ... a campaign of systematic and repeated phone calls including threats."
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  21. :(Sorry , bones01 - missed your post ..... Is that a reply to Martin 3030's letter , or haven't they got that yet ? They are just being dowright obstructive about this bones 01 - but they've still got to produce within the 40 days from your conversation.(If they admit to the conversation ...........) Also , if they are the company which has your Credit Card account , they have to produce that info as well , no matter where it is lodged in their consortium. The Data Controller is responsible for digging this out and producing it - I think they're playing for more time and anot
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  22. You must have been listening to something different because this is what I heard Robert say "As we've seen from the test case, four high court judges now have said that the OFT is allowed to make a judgement on these matters. The OFT have already given a preliminary indication that they consider the charges to be unlawful." Doesn't say they have found anything to be anything;)
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  23. None at all other than your name and address.
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  24. Send the SAR to Natwest (send a £10 postal order): It's not the Deed of Assignment that you need to see, it is a Notice of Assignment. You should receive this as part of the SAR. As for the new DCA - you could send them the prove it letter - make them do the work to show they are legally entitled to collect this debt.
    1 point
  25. You can write to their head office, 12 Drumsheugh Gardens Edinburgh (cant remember their postcode) You will be asked to pay the minimum charge for all the details, the only charges imposed by the sheriff officers are that carried out in a form of arrestment or attachment. As this is a local athority debt Scott & Co cannot add on intrest or anything like that. Pay paying by DD they will not increase your DD without notice, remember you are covered by the direct debit guarentee...
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