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Showing content with the highest reputation on 16/02/10 in all areas

  1. Ok fair enough. In that case - as you said, he's wrong, regardless of whether the other tenants leave or not No notice needs to be given to leave at the end of a fixed term.
    1 point
  2. Welcome financial services Compliance Department Ruddington fields business park Ruddington Nottingham NG11 6NZ Re: Harassment by telephone ACCOUNT NUMBER: XXXXXXX Dear Sir/Madam I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary) I now require all further correspondence from your company to be made in writing only. I am of the view that your contin
    1 point
  3. If you had signed up online they would have to send you a screenshot of your agreement. The problem for them is at that time the 'tick box' wasn't seen as a signature and they would have had to send you a hard copy to sign & obviously they did not. In answer to your question; if you never signed an agreement they will be unable to take legal enforcement although they may try. You have an absolute defence, no enforceable CCA = no enforceable debt.
    1 point
  4. Ahh... thats a laptop... I was thinking desktop Sorry for any confusion. Laptops can be a pain to work on! If you are happy to go with this, and you trust all the other components are working, then your 1st post is correct
    1 point
  5. Hi francine There's a few faults in all this as I understand . . It's not "Fraud" to fall behind with payments so therefore cannot be a criminal offence plus it's not a criminal offence (any more) to be in debt so threatening police action goes against the OFT guidelines The cards should not have been posted in such a way that anyone else but you could read them (eg either just a calling card or enveloped) . . breach of Guidelines Keep the answer phone messages for it seems the same person has implied/impersonated a court official and lied again . . another breach
    1 point
  6. Couple of things that may help you when you right a response to this.... 1) Banking Code, not enforced but its a code of practice all lenders sign up to. 2) Unfair Terms in Contracts Regulations... as the Banking code is a code of practice, if they break it they fall foul of the UTCR's. Also it must surely be unfair for the lender not to allow you access to see how far behind you are and how to recover the position, why should you take what they say on face value if you cant see it in black and white on a screen. 3) OFT debt collection guidelines... generally dont come into p
    1 point
  7. Good luck V... I will be thinking of you today...all the best and you will be fine even if they turn up they prob wont have anything with them..as i said before even if they do have paperwork the judge will most likely adjourn so that you can read. Please post up as soon as you have news xxxx
    1 point
  8. I understand that interest cannot be claimed upon judment where the action is brought in respect of an agreement drawn up under the CCA 1974 unless the terms of that agreement specifically state that interest is chargeable. I would be writing to the DCa and telling them you believe they have been adding charges and interest unfairly and unlawfully and as a result you now formally dispute the amount alleged owing and shall with immediate effect be discontinuing all payments to them. State that you fully understand that this might precipitate legal action against you but leave them in no
    1 point
  9. Munchkette, I appreciate you're upset and have gone through an unpleasant experience. Two points hunni. Firstly try to relax a little as we meander through the maze to help you. Secondly, remember a forum is a text based communications tool. It doesn't express emotion well and it's all too easy for me or you or tom cobley to get the wrong picture. Thankyou for telling me you are on benefits. It was, ahem, one of the questions I asked earlier... It does have a bearing and gives you some aid in your complaints. The National Standards for Enforcement Agents are not law. But they are the
    1 point
  10. 1 point
  11. Here you go Bluedo. It looks a bit brief as I have taken out the parts that refer to the case I am looking at. Obviously you can adapt it for your own circumstance. David
    1 point
  12. If you have any killer information this is the hearing in which to use it; get the claim struck out under CPR 3.4 if you have such information. If not you use the hearing to narrow some of the issues. You may attend as a Litigation Friend but costs will tend to be reserved or not even granted at all for either party unless the claim is struck out; then you can claim for wasted costs ;-)
    1 point
  13. Could this be the list Capricorn1601 referred to: 1.Say, "No," over and over. Be sure to vary the sound of each no, and keep an even tempo even as they're trying to speak. Maybe sing a song with all "No's" This is the most fun if you can keep going until they hang up. 2.If they want to loan you money, tell them you just filed for bankruptcy and you could it. Ask, "How long can I keep it? Do I have to ever pay it back, or is it like that other money I borrowed before my bankruptcy?" 3.If they start out with, "How are you today?" say, "Why do you want to know?" Or you can say, "I'm so g
    1 point
  14. Thought this judgenment might be interesting for the cases where section 77/78 request responses prove to be unsatisfactory as the CMC involved in the case then used CPR 31.16 to attempt to obtain a copy of the original agreement and obtained a successful judgement when the lender defended IN THE CHESTER COUNTY COURT Between: ALAN KNEALE Applicant AND BARCLAYS BANK PLC TRADING AS BARCLAY CARD Respondent Judgement On application for Pre Action Disclosure 1. This is a Consumer Credit Act case and it arises in the context of what might fairly be described as a
    1 point
  15. Ok as we stand you are fine however please keep us posted in regards to any Witness statment that may come from these people............... Please try and relax
    1 point
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