Having chased this mob, not just for several thousands, but also because they've sent statements to the wrong address, told my clients my balance and consistently stopped my overdraft 'by mistake' (taking my credit score from 940 to 280 in a year); I have had enough, and I wrote a wee song and made a wee video. Have a look, leave a message, get it noticed! Cheers, tsugi

2 threads merged

You might find this letter from the OFT useful.. BRW reproduced it in Text format.. the original can be seen in the following link posts # 35 and 37 Miss Muppet v MBNA - *** WON + COSTS ***

In addition the Claimant has not fulfilled their obligations to the CPR 31.14 request in the fact that the Defendant has not been served with the default notice as requested and as refered to and relied upon by the claimant in their AQ. Just a slight addition otherwise looks good to go Regards Andy

Andy If HSBC already have a charge as security, they do not need to go for a CCJ. However, they do need to go to court to obtain posession before gettig a order for a sale. The court wil consider the actions all the parties in trying to settle before granting possession including HSBC's current stance. HSBC will know that and I suspect they are just playing hard ball to get as much as possible to avoid going to court. That said, IMO if HSBC are not paid in full, they will start litigation, if only to increase the pressure. I suggest JC writes to the bank again putting the proposals in clear terms and preferably adding the extra of f

I'd wait and see. They have 14 days in which to request a set aside.

Chances are you won't hear from them again.... but they may flog it out to someone else. Just keep hold of everything anyway. Excellent stuff...

The cancellation form says that if you cancel within 5 days they cancel the course & agreement and you owe nothing You did that Your SAR confirms it case closed (or it should be) I think that is a revolving credit agreement. It might be enforceable but it was cancelled anyway so it doesn't matter You have a clear case for the set-aside because of the cancellation You have a clear defence for their original action (the set-aside just takes it back to the beginning) - the cancellation You will have a case for libel because of the default registered at the CRAs for credit that you never had

Hi, just to be sure, you've paid approx 1 year of the agreement, less than 1/3 of the total? Do you have a copy of the agreement you could scan up here, minus any identifying details? You've had no real correspondence from them? No Default notice or demands for payment? Is the car SORN? Is the agreement address different to where the car is parked? Sorry for all the Q's, just trying to get a better picture.

Hi, I've previously been advised by the good experts on here, that if the contract consists of more than one singular, one sided page (which of course it can), there has to be clear reference on the leading document, to any other pages that are intended to form part of the regulated agreement ..... be it by clear reference i.e refer to the t&cs overleaf, or refer to the document noted as page 2 of this agreement (with the pages clearly numbered), .... etc .. (you get the picture !!) Without any clear noted association between the two (apologies if there is reference and I've missed it), together with the anomolies on the blee

A SD is a serious document that your brother will need to apply to have set aside through the court. In the short term he may want to consider informing Go Debt of his current address or making arrangements to meet them so that they can serve it on him. I wouldn't normally suggest something like this but it would take the pressure off your parents if he did so. Go Debt are *EDIT* for using your parents like this. Your brother really must make a complaint to the Information Commissioner over their behavior and, in particular, their clear breach of the Data Protection Act in discussing his affairs with your parents. If it were me I'd also

All The Regular Caggers Who Have Been Following The Main Welcome Thread Know That Welcomes Weaknes Is In Its Insurance Racket. When You Apply For Finance, Why Is It Do You Think The Agreement Is Thrust Under Your Nose With All These Micky Mouse Insurance Products On It. Welcome Are The Agents On These Policies Its Called Welcome Elite Brokers And Take A Nice Back Hander Of 17-20%commission They Pass The Lot Up To Direct Group As A Smoke Screen To Hide This And Give Welcome An Air Of Being Respectable So Not Only Do They Shaft You On The Apr Being A Front Loaded Payment, They Pay Them Self Commission For Shafting You

Hi, Below is the OFT's take on the matter. In a recent letter from the enforcement department of the OFT, the text below was quoted, explaining what is required. “The copy of the executed agreement need not be an exact copy but it must be a ‘true copy’ and not some reconstruction of what the original might have been and it must contain the same terms as the original. Where the terms have been varied as provided for within the agreement, the copy of the original agreement must be accompanied by a document setting out the current terms, as varied. Certain details may be omitted from the original agreement eg the signature but the d

BTW I almost bit my tongue off at the last meet so I'm not going to risk another one.... I don't suffer fools gladly and I don't tolerate gossip coming from a man that thinks he can insult everyone and pretend to be the injured party.

Oh I know! They are toothless monkeys. yep 101% The interesting thing here is, and why I was asking about where the car is parked, Welcome can and will attempt to seize a car despite the 1/3 rule and the private land/trespass rule. yep 100% In that case the agreement would be automatically terminated, all sums paid would be refundable (because of the illegal repo) yep 100% and the car may be seen as a gift.....love gifts but best not let it get to that stage...yep 100%

42man, will help you with the DN's, not sure about the labour bit

When I got this email notification :- I thought talktalk-owned companies make up more than their fair share of this forum, and LP will not go for that AOL was once pretty good value (back in the old dialup day!), shame they run their own software rather than integrating into windows like most others do. I do know people that love the software, and won't switch for that reason (my parents being 1 set of them!) I think their is much better value and much better customer service out there.