i have no local knowledge of hellesden given that they have agreed that the do not have a agreement what do they have, tell them that APRIL THE 1ST HAS COME AND GONE. PLEASE ENJOY NO AGEEDMENT THERE IS NOTHING PLEASE SEND THEM EDIT TO SUIT ORGINAL BY 42 MAN WHO I GIVE THANKS TO DO NOT SIGN Thank you for your response to my request under the Consumer Credit Act section 78. I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX. As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore u

Well flagged up lucky. I'd forgotten about this. Is the barrister friend up to the call or not? We need to know because if not someone else will just have to do it. I'm all for going pro bono now. This will get taken on because it is massively in the public interest that this gets heard. There's always a few barristers who are anti establishment by temperament and favour the underdog (Mansfield, Pierce etc) and they like to get their teeth into stuff like this. I think it's worth a shout. I know a couple of barristers socially and to be honest they say things are interesting and will look into it but they never do! Time to g

you could take a look at the recent postings in this thread... http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-745.html#post2100895

Pre may 2005 post may 2005 From the Consumer Credit (Agreements) Regulations 1983 Its not that clear pre 2005, but i think its unarguable post 2005. But best to take those paragraphes in context of the whole document

To whom it may concern I have just looked at my credit report for the first time and have found an error that needs to be ammended. Entry C12 Welcome Financial Services LTD have placed a marker on this account that contains incorrect data. This entry states my agreement is 37 months - this is incorrect as the agreement is in fact 36 months. Should you require proof of this I can fax a copy of my agreement showing 36 months. I now request this item is removed from my credit file with immediate effect. Please can you confirm that this has been actioned. Send them this by email - put your name and account number

The case law to back up our argument: note the emphasis. 33. In my judgment the objective of Schedule 6 is to ensure that, as an inflexible condition of enforceability, certain basic minimum terms are included which the parties (with the benefit of legal advice if necessary) and/or the court can identify within the four corners of the agreement. Those minimum provisions combined with the requirement under section 61 that all the terms should be in a single document, and backed up by the provisions of section 127 (3), ensure that these core terms are expressly set out in the agreement itself: they cannot be orally agreed; they cannot be f

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Fretfull, I understand what you say, but what you have here is distinct styles. JonCris is short and to the point, but you do not see the depth of research shown by Suetonius to back up his points. I'm not taking any sides here, but both are valuable in their own way. What I see Suetonius doing is putting the positions people take to proof...whereas JonCris will come in at a different juncture. I witness Supersleuth putting forward a very convincing and compassionate case with considerable merit, Suetonius on the other hand plays devils advocate and puts it to the test, and no, some people don't like being put to the test on their convic

This may sound a bit sad to non pet lovers but today our lovely cat gave birth to two little kittens..........clemma and lefty. I will post a picture for you as soon as i can... if there had been a third it would have been plumberjohn. Its our way of saying thanks for all the brilliant advice.

Hi everyone, I know how scary it is to be facing a house repossession. A couple of weeks ago I had to go to court for a repossession hearing. I went a good few hours early to be first in there to speak to the duty solicitor. She was absolutely brilliant, and also worked for the Citizens Advice Bureau sometimes. So a good place for advice if needed. She put me at ease as soon as we went in and we got an agreement with the mortgage company before we went into the court room, so when we went into the court room we were in and out in about 5 mins. They did get a suspended possession order meaning that if I did did not stick to the terms

Hi I think you may find this link interesting. It is from your solicitors talking in a leaflet to businesses about ELECTRONIC SIGNATURES being used in court PAGE 5. May help you as to what they really think of your IP address as they mention the header of a email not being sufficient to identify;) Now if a email being sent from a desiginated email address is no good to identify, what hope have they with a IP address that keeps changing:D http://www.brachers.co.uk/_assets/files/Directors%20Cut%20Summer%202006.pdf Good luck;)

Hi, and welcome, as others have said we have almost all been in somewhat of a situation like you and it seems you will have to figuratively speaking, climb mountains. There are indeed many helpful and knowledgeable people ready and willing to help you, as we have been helped, we gradually gain a little knowledge and try and pass it on to those following in our footstep. One small point, only a County Court has the power to order you to make payments, and as you are disabled and on benefits that will in all probability be no more than £1 per month. Any disability premiums, DLA, In Cap. Carers etc. that are awarded for assistance

You could also contact the office of fair trading.

:D I tried tipping your scales for that one BRW, but I have got to spread some around !

Hello Lss, I can help you with the PPI, how many of these cards and/or Loans had PPI. Your first port of call is this forum Payment Protection Insurance (PPI) - The Consumer Forums Firstly have a read of the stickys at the top as this will give you a good idea of what is involved in recovering this money. At first i wont go into great detail as i think this would confuse you, have that read first and then ill come back and go into this in more detail. We will need to as i say establish which cards and/or loans had PPI added then set up a post for each one and then go step by step on each to achieve the goal. Re

Under the Act it does, but in reality a Bermuda Triangle type phenomena would appear in all their archives, selective data losses would occur within their computer systems, filing systems will be abducted by aliens, telephone recordings will be wiped due to the magnetic shift between the Earths Poles http://2012wiki.com/index.php?title=Pole_shift and to top it off all their pet monkeys would suffer from amnesia.

So sorry, to hear about your problems! First things first, this is only about money; your life is more important than mere money. Therefore, you need to take little steps and deal with each matter individually. First step, make Subject Access Requests to all the Banks mentioned, that way you will be able to ascertain what unfair penalty charges have been levied and then start the process of claiming them back. I would also suggest that you take a look at the Payment Protection Forum, in order that you can obtain assistance re: PPI. Re: DLC, Hillsden, Robinson Way, Mackenzie Hall and Cabot, carry on with your Section

I've not been playing ball according to how Marlin/Phoenix/Mortimer Clarke would like me to play, so I think they may have spat the dummy. I subscribe to the monthly service for the 3 main credit reporting agencies at www.checkmyfile.com and sometime since last months reports and this months, Marlin/Phoenix have registered 2 defaults against me which are already also being reported and updated monthly by HFC, naughty naughty. FYI, both the default notices linked to above are invalid as neither of them gives you the required 14 clear days after allowing for service by post (even assuming 1st class post). Did you ever r

So if no-one had credit - you would have no job. Simples.

hiya dave i very much appreciate your thoughts on this,,,and im sorry to hear you are not feeling your best,,,,i have a few of those days myself in my own way ,,,,but this is all about self learning and cag has at times lifted me from the ground that its been my inspiration in improving my knowledge over my financial affairs of course there is always a Possible defeat in court, and by the time i hit the court if i ever do, in the meantime i m learning all there is to better my case, better my efforts and bringing my own knowledge to a point that i make any decisions with a clearer head and not that im being forced into any decisions by

The reasons why they won't send the original agreement for a CCA Request: They don't have to. Why do more than they need to to comply with the act? Cost - it's cheaper for them to send our a generic "agreement" that they beleive contains the same terms as the piece of paper that you "WOULD" have signed. Keep You Guessing - if they don't show you the real one, they keep you guessing & you are less likely to take them to court.Even if you took them to court, and it was small claims, and they won it would still cost them as there is cost protection in Small Claims. They don't have the agreement. Probably the most obvious reason