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Showing content with the highest reputation on 08/07/09 in all areas

  1. Hi, I found something out on Friday which might be useful to everyone. The OFT site page detailing the unfair terms in the lbl bill of sale states it was activated and an undertaking from lbl obtained in Feb 2006. At the time I thought that the OFT itself had got the date wrong, ie, it should have been February 2009. But talking to the trading standards officer from Wandsworth Council, he confirmed it was actually Feb 2006. However, my BOS, the one I signed in October last year has ALL of the terms considered unfair by the OFT still in it. They have not been changed despite the undertaking from the company. The trading standards officer aske
    1 point
  2. Hi Bigtop:) I can understand your fears about LTSB closing your account, particularly after what happended to your friend:eek: Mr Landy and I are in the process of claiming back several thousand pounds of charges from LTSB as well as PPI on both current and old closed loan accounts. Scott is correct that the FSA Waiver states that a bank should not close accounts as a result of claims for the refund of overdraft charges. I also don't know if this applies to PPI claims, but I do know that LTSB chose to close our account 4 months after we first contacted them asking for our money back - so in certain circumstances they can and will do this.
    1 point
  3. Egg certainly do want their cake and eat it! So do DLC, so it would appear. I guess, that Egg passed the account to DLC, because they know they've c*cked up big time. Hp, get those dates and amounts together, all amounts, not just those above £12. Please also scan up a copy of the alleged agreement that Egg supplied you; I know that you said it is fiine, but I and others want to make sure. AC
    1 point
  4. Hello AC! It's mighty strange for sure. I can't see how they can ask for that much, when the Arrears were only £689.76, and payment of that would've taken the AC below the Credit Limit. Egg want Arrears, plus an additional amount. That makes no sense. I can understand them wanting HP to creep back under the Credit Limit of £9,500.00, but full payment of the Arrears would've achieved that. I think the two sums are overlapping, they want their Cake and Eat it too! But if unlawful charges rat this up still further for Egg, then it may be that there was no true over limit issues, in which case this Default Notice is ripe for hanging
    1 point
  5. Hello Reggie76! Sorry to hear this, you must Appeal. Chill out, but try and make as many notes as you can ASAP while this is still fresh in your mind. You have 21 days to get your Appeal in, and there are many more people lurking now who are willing and able to help you. You are the 2nd Case Today that has been shot down in an almost identical fashion, and in both cases the Judges were wrong, badly wrong. Here's the other one: http://www.consumeractiongroup.co.uk/forum/legal-issues/208173-having-rankine-american-express.html#post2273613 This is what you must get going ASAP, my advice is to really crack on with it, as the 21 Day
    1 point
  6. Hello Folks! I've had a good look at the Default Notice (see Post #8 above), and I think it has a few issues. I think it is defective on a number of points. Please run through what I am about to outline, and see if everyone agrees: (1) Default Sum Overview: HP Says: No rush, but it will be good to know the total of those charges. However, that suggests that the Account Balance of £9,969.26 at the time the Default Notice was issued on 20/04/2009 was not an accurate reflection of the true Balance once those Charges had been deducted, and Contractual Interest on those Charges had been deducted, and s69 8% County Courts Act 1984 Inter
    1 point
  7. Yep - send the dispute letter off to them first thing tomorrow
    1 point
  8. The debt is clearly not statute barred as 'Sane Man' states he paid minimum payments for many years. Please be careful what you advise people (specially new members) on here, as the wrong advise could get people into trouble. Sane Man- If a CCA request on this account remains unadhered to, then simple write to Aktiv Kapital and tell them as much. You merely have to state that this account is still in dispute with Thames Credit as they failed to supply you with a completed CCA request - and until your CCA request is furnished correctly the account remains in dispute and no acknowledgement of the debt exists on your part. Just add a note which says t
    1 point
  9. You don't need to appeal. It is over 6 years old so it cannot be enforced in any court, no matter what the DWP or any DCA tells you. The ONLY way they can recoup this is to deduct it from benefit. They can make deductions at any time, no matter what time period has passed. What they have sent you is not proof of overpayment in any case. It's a letter. That proves absolutley nothing, more so because it does not appear to even relate to you. Get your MP on to it because essentially what they are doing is illegal. They are attempting to get money out of you but cannot prove anything os owed. Government departments are not exempt from the law an
    1 point
  10. That'll be me! Right, I haven't got time to read the whole thread but I am interested in this issue with the invalid default notice as that is significant. Are we 100% sure the default notice is invalid? I will need to refer to my Barrister's notes on this matter as it has been a long time since my case concluded. It may help with your appeal, which you MUST do! I have a school function to attend shortly, but will come back with the necessary quotes later. Regards, Corn x:)
    1 point
  11. Some of these judges need sacking. Their job is to dispense justice in line with the laws of the land. I agree appeal this. they don't expect you to. They think they have dealt with you and that will put others off I was actually told this by a judge who gave me a similarly rough ride. We have a note of his comments which started "If i allow you this I will be inundated..." well let's inundate them. I have a friend who doesn't post much these days but they won against Arrow Global/Eversheds but had to call in a direct access barrister. I'll see if I can get hold of them to come and look at the thread and share their experience.
    1 point
  12. 'tis amazing what's available on the internet. If you ever want to find out about any of these idiots then use this - Public Register
    1 point
  13. I haven't seen a tutorial on here myself but personally i use this site to make mine quickly: Online Personal Signature Maker - MyLiveSignature - Free Personal Signature Generator, Email Signatures, Blog Signature Alternatively you can always just change the font for the signature portion to one of those swirly types (like Zapfino in Macs) and use that every time.
    1 point
  14. Thank you They are healthy and happy! My 11 year old has just got all top grades in her SAT exams at school and my 5 year old, well all she talks about is growing up and becoming the Queen !!! Vicky xxxx
    1 point
  15. www.howtocomplain.com will take your complaint direct to the customer services department of whoever you complain to. Just type in the name of the company...fill in all the specifics & press send. It has links to all government departments/authorities on there, just about everybody - so make good use of it
    1 point
  16. Hi Bearing I would write to them first and explain your situation and then make them an offer of payment what every you can afford to pay each month even if its a token payment of £1. Then i would send them a cca request to make sure they hold a valid agreement. You can find templates for both of these letters in the template section. Good luck. ( ;
    1 point
  17. Exactly, these low lifes will try any tactic to make you panic and agree to paying higher payments. Social Services would not be in the least bit interested that you have debts, you are not giving into DLC and giving them the money that would feed and clothe your children. I have 2 children & on my I&E form I entered the amount for school 'hot' dinners as I want my children to have a hot lunch in the winter months. I was asked by DCA if this was absolutely necessary:-x Do not listen too them & if you do give in & listen, respond by telling them thank you for bringing it to your attention that your children maybe suffering an
    1 point
  18. Rant forgiven but lets not forget the most fundamental aspect of the whole charade-they lent you money which did not exist until you agreed to borrow it off them and by implication promised to pay them back.They created the money on the security of your promise to pay it back . The whole system is fundamentally bankrupt and the only reason it stumbles on is that most people just accept it rather than looking at what is really going on. I do not think that will carry on for ever then we'll have real problems
    1 point
  19. It doesn't matter if they ask for it all, you aren't refusing to pay so as pinky says just offer what you can afford, if you continue to ignore it it will just spiral and you will just end up with a larger amount owing. Now you have taken the first step you can sort this out.
    1 point
  20. It's not just me - we all seem, you included, to be working hard - there just seems to be thread after thread after thread...
    1 point
  21. I said that you could not force money from someone if you have no proof and to try the manufacturer. I see nothing 'smart' or 'unhelpful' with that. It's not my problem your at the wrong time of the month. If you already knew these things then why bother asking.
    1 point
  22. True. But putting it in a drawer and forgetting about it will. UKPC have no lawful authority to fine you because your vehicle was allegedly causing an obstruction. The best they could hope for (or, rather, the best that the landowner could hope for) would be to sue you for damages caused due to trespass*. *On the assumption that the vehicle was on the land without permission.
    1 point
  23. I'd say that this is a VERY vague set of Particulars Of Claim...it says nothing about any assignment....and you have NEVER had an agreement with Robinson Way..... - Read this - http://www.consumeractiongroup.co.uk/forum/legal-issues/160703-urgent-help-needed-robinson.html#post1721582 1 The Particulars of Claim neglect to disclose a cause of action. 2 If the Claimant claims payment of outstanding monies due from the Defendant under a contract made between the Claimant and the Defendant, the Defendant denies the formation of such a contract. 3 The Claimant's claim to be entitled to £XXXXX for debt, to statutory interest or to any monetary or o
    1 point
  24. Please have a read of this thread for info on Statute Barred debt - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/146530-have-you-received-threatening.html
    1 point
  25. Nope - I have heard of it, but have never really looked in to it to be honest.
    1 point
  26. They need to write to the bank again and ask them to look at the case as hardship. Usually financial hardship means priority debt arrears(mortgage/rent, council tax, utilities). With Nationwide they will only pay out charges during the period hardship was occurring. I think you need to get your mother to see what help is out there to help with the cost of the nursing home based on the income she has.
    1 point
  27. Well after a couple of more visits to court, the judge ordered disclosure of documents on 29 June - and guess what?This week I received a 'Notice of Discontinuance'. That is what it says in the heading but it isn't the form from the court (N279). Instead the wording is simply 'The Claimant has provided notice that they intend to discontinue their claim in respect of this claim. Dated xxx". Does this count as a proper Notice as it isn't on the court form or are they just trying something on?
    1 point
  28. All I'm saying is that you probably won't get a Default Notice under s87(1) for the Overdraft - so don't be surprised, but the same principles will apply for s76(1) and the associated Regulations (SI 1983/1561). For the other stuff tho' - loans, credit cards etc. a Default Notice under s87(1) is important.
    1 point
  29. Hi Azer, Am very sorry about the situation you are going through. At the end of the day, the question you need to answer is how do you expect this story to end - there are 2 possible endings - one end would be to go to a tribunal and irrespective of the tribunal's outtcome( and an uphill one at that) you continue to work, after which your employer will definitely have a black mark against you which may or may not create issues in the future - the other option is to actively seek employement outside and prove to your current employer your worth when you get another offer - that is possibly the best negotiation option you would get - if your MD values
    1 point
  30. or write a letter of complaint to the court and demand to know why they have not yet done what they were TOLD to do by SC&M !! (smirk)
    1 point
  31. You made a legal request to one of Aktiv's associated companies for documentation and you paid the required fee. If the documents are not available the cretins are required to make a decent attempt at getting hold of them from the original creditors or handing the matter back to them. What they do with your quid is up to them - in this instance they sent it back but that doesn't absolve them from their responsibilities. So you have the upper hand on the idiots who are now clamouring for your money. Tell them the matter is in dispute since whenever it was you made the CCA request. Suggest that without paperwork they are stuffed and wait for their next mo
    1 point
  32. please tell me that someone has sent these to the oft...
    1 point
  33. You will need to pop into this forum for legal advice... Legal Issues Post up a new thread and ask away. aa
    1 point
  34. If you could post up exactly what happened and exactly what was damaged (and by what, ie water or impact etc), we'll see if we can assist you. Also post details of exactly what your insurers are saying. Mossy
    1 point
  35. Absolute rubbish 9 out of 10 people never sign those or return them. I'd send the letter as in post 3. Don't use your usual signature and send it RD. Start a file and keep all papers in date order and keep copies of all your correspondance to them. Attach the envelopes they come in to the letter and write the date received on it. Paper trails are good if you need them later on. Scotcall another load of plonkers. Look to take to court yeh yeh. If they did don't worry you'll get loads of help but I imagine that will be a way off, lots more threats before that. Phone calls ignore them, if you speak to them tell them everything must b
    1 point
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