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Showing content with the highest reputation on 22/06/09 in all areas

  1. Pleasure if you need anymore help with this just send me a PM PF
  2. Ok gotcha But i must say that sounds about right remember it is 29.9% compounded But i will check for you
  3. Letter tweaked hope it meets with your approval aa
  4. Mac Hall are the bottom feeder's of the debt collection industry, 99% of the time they buy up alleged debts well beyond the statute of limitation time far in excess of the 6 year period hoping to make a fast buck out of people who are unaware of their legal rights. I would suggest that anyone who has a marker of outstanding debt placed on their credit files, to, first take it up with the credit reference agency and dispute the entry, by doing this, it has a twofold effect... 1) The entry is marked as in dispute, which means that, if you apply for credit, with an otherwise good credi
  5. Sorry Thialand we could not find an email address from them. We will keep looking but it depends on which clients we need to look through. No easy way of doing that I'm afraid. DG:)
  6. OFT 2 UNFAIR BUSINESS PRACTICES 2.6 e. not informing the debtor when their case has been passed on to a different debt collector
  7. Ok heres a very rough embarrassed defence (think it came from Pt2537 originally?), others can add to it. S.
  8. OR You could use this: http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=9902&d=1245343818
  9. I started the idea & even i now think its gonna be a complete anti climax to be honest
  10. Hi there, You've said it is going to court and I am presuming that you waiting for a date for a hearing. Restons, being creatures of habit, will probably apply for Summary Judgment. When ( or maybe if ) they send the court documents, that is when you can introduce into your Witness Statement in opposition to summary Judgment. For the moment, do NOT mention the defective Default Notice to Restons. Just sit tight and wait to see which path Restons decide upon.
  11. Thanks Elsa I did calm down eventually and rang the customer complaints desk.. they agreed that the situation was a tad stupid and rang the SAR team for me. They told me that whenever requesting SAR or CA to make postal order out to HBOS Plc and that despite different contact addresses being given they end up in the same place i.e. the SAR team, so to send them both back in the same envelope. She has also credited my bank account with a fiver to cover the cost of postage and phone call so thats a fiver off my overdraft at least.. As I said in my silly question thread in the
  12. ECI state this on their website - "As a professional debt collection agency, our services are designed to give you confidence in your transactions, with the secure knowledge and assurance that you have the full back up and expertise of a Company licensed by the Office of Fair Trading"
  13. Good morning all I have had some difficulties with Swift..... Briefly, I took out a loan with them in 2006, for £15,000 and it was secured on my home. I sent the SAR to them recently and received a copy of the application form, the agreement and the welcome letter. However, the amount to be paid equates to £16,500, according to their correspondence. Now for the interesting bit - for various reasons, I got divorced and ended up agreeing to repay the Swift loan from my share of the sale proceeds. Swift attended the FDR proceedings during the Divorce, but left after 5 min
  14. If this helps, I can only speak from experience so please get proper backup on this as I always simplify it; but so far the Judges seem to work backwards on these cases and work out if the debt has been assigned first. As without this the claimant can't own a debt. I have been told this so far by 3 different Judges who seem to be very clued up on consumer law. I understand this seems to be different around the country though :-/ You have a typical Asset sale of debt letter which does not constitute a properly executed Notice of Assignment. As we know must be sent from the original credit
  15. Morning Lexis Dear me, what are these people DOING? It takes the average newbie on here about 3 weeks to grasp the basics. These muppets work full time at it and still haven't grasped it! Have you had one of these yet from the Bostitutes? http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/205444-debtograms-go-what-beauty.html Elsa xx
  16. Hi I think this is the one that explains it best. http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html Spam.
  17. InsideARM: Executive Change: Lowell Group Appoints Bob Collins Director of Compliance maybe a letter of complaint should be send to bobby;) make him aware that his staff are not complying . SAM:pLOWELL DETESTER
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