Hello Colin! The letter looks OK from a quick speed read, but I'm a bit flat out to digest it fully. One issue is the damages claim, and I think I saw you mention £1,000. I assume that was from Kpohraror v Woolwich Building Society - [1996] 4 All ER 119? If so, I'd re-read that and read any Posts on CAG, because I'm pretty sure the actual amount is more like £5.500.00 and at Today's values, a lot more than that. I believe the £1,000 is a general misconception. I regret I don't have the argument behind that to hand, but did understand it once, and the £5,500 figure made more sense. One comment, always writ

Perfect!

Stay on your toes Dizzie. They are a slippery bunch. Make sure YOU are clear on which request they have/have not responded to, what they've sent in response to that request and by what date they sent it. This may be helpful to you in the future.

Appologies Andy. That will teach me to speed read through the thread. Vint

A CCA request allows them 12 + 2 days to come up with an enforceable agreement, after that time the account is in dispute and no action can be taken on it until and if any enforceable agreement becomes available. Now I understand your father's wish to get this all sorted out quickly, but personally here is my 'order' of events. Send each and every one a CCA Request and wait the 14 days. Once the 14 days is over and nothing is received (as in the majority of cases) this would put your father in a much stronger position with regards making his F & F offer. It is not unusual for an F & F (requiring all the confirmati

I don't know an awful lot about these types of fines but agree you appear to have been treated despicably by Phillips. Are the Court saying your fine is now paid in full? If so is the money you still allegedly owe Phillips just for their fees? Do you know how much the original fine was for? Do you know what fees Phillips have loaded on to you? Here's a sample of a letter you can send to Phillips asking for a breakdown of your account, use and adapy to your own needs and send by email & Signed For letter: "From: My Name My Address To: Acme Bailiff Co Bailiff House Ref: Account No: 123456 Dear Sir With

It's still worth going down the CCA path. As if any of them turn out to be unenforceable it puts you in a much stronger position when it comes to offering a full and final. Many DCA's once they realise you know it's unenforceable and they'll settle for as little as 20% as something is better than nothing from an unenforceable debt. When you send your full and final settlement offers, make sure you get it in writing that it's full settlement, the account is closed, and they won't sell on the remainder. Then keep the letters very safe, as it's not unknown for another DCA to start chasing the remaining balance a year later.

Hi, I used this letter when helping a friend to reclaim mortgage charges. Don't forget to send by recorded delivery and keep a copy. Refunding Mortgages Charges letter.doc

Its obvious the court is arsing about, and probably ain't got a f#####g clue what to do so why don't you just put in for an appeal and forget setting it aside? Its up to you cosalt but obviously the court is wasting valuable time [your time] and this is not good. Once you put in an application to appeal that should slow things down until your get everything in order AGAIN. You should ask this court and the who ever your talking to have that got a bloody idea what the hell there on about:-x

Hi Colin, thanks for your pm.. you are now a further post light on this thread.. (#58) which has been returned to the original thread.

Afternoon all. This is a good one isn't it? Colin, it seems obvious that the comments posted will leave you in little doubt as to the credibility of the claim made . Have added the following for you in anticipation that the application form you have is incorrectly titled with regard to the type of credit. It's self explanatory and as many running credit application forms are headed as Credit Agreements and not Credit Card Agreements this might be handy. --------------------------- In addition the term “Credit Agreement” is incorrect. This application form should actually be for a “Credit Card Agreement” which is a com

Hi bananaboat2010, Thanks for coming back to me. As locutus has said if you get in touch with me via the steps in our pinned thread I'll be a much better position to see what we can do here. All you'll need to include in your email are your account details and as soon as you receive the reference number for your email post it for me so that I can make sure we get back to you as soon as possible. Kind regards. Lee Web Relations Team Vodafone UK

"Don't forget the scales. I am a rep whore:grin:." I have to exercise great care with mine sod em-because they are worth a lot. But I will keep in mind;)

PM sent. Shouldn't be long. I think there is a whole forum on here that is dedicated just to Pi**y World. You will get a lot mor advice there. Don't forget the scales. I am a rep whore:D.

"I have asked the judge to ask Link to supply me with signed documents before the hearing so i can form a defence or should I say to clear the muddy waters and if they supply I will pay, if the judge allows me to pay instalments." And his/her response was? Regards Andy

In my experience, it is unlikely to be Monx. Just as you think you've put the matter to bed, so to speak, it rears it's ugly head and you end up repeating yourself over and over. I have an M&S account with a letter saying that they can't find a copy of my agreement and hence, it is unenforceable in court. Nonetheless, this has been passed to 3 different DCA's plus one "solicitor." I usually ignore them for a while before sending them my standard response. Until the 6 year statute of limitation period expires then I think you may just have to accept that you will be inconvenienced from time to time with such drivel. They no doub

"Name calling"??? Where did you get that from?? Nobody called you anything!! You're the only one being disgruntled because people don't agree with you! All the posts here have been in the manner of having a "discussion", but you clearly have no intention of discussing anything as you've got your opinion and regardless of how many times others are putting forward their answers to the issues you raise, you just plain don't want to listen. There are no "vile" posts, (apart from the ones you've made), only well informed arguments in response to your provocative and offensive allegations. As you have failed to address any of the issues

Blimey - thanks guys, you're making me blush, but let's not count our chickens...we still need this to work out and of course the court may not allow set aside. Best to still be prepared for appeal but fingers crossed this will work. LA

There is an injury to credit case involving the failure to honour funds if I remember the details correctly. Are you intending to litigate?

Hi Bill, You can write to BC and to the credit reference agency confirming that there's an ongoing dispute and the CRA record should be amended to reflect this. See here for some letters you could adapt and use - The Consumer Forums - Challenge a default on a disputed account Please confirm if you paid in respect of the old card, or the replacement which you never received. Did BC refund all fraudulent charges on the old a/c. Is that matter now settled. Re the new a/c:- 1. Approx how much was spent. 2. Has BC provided you with data about the individual transactions (amount; location; phone, internet or po

Start with looking forward. The first thing to consider is your pension. As that is next to nothing, you don't want to go into retirement with a mortgage and hopefully not paying any rent either, so your house should be at the top of the list. That brings us to GE Money. I would suspect that their payments are quit steep each month as they don't offer the best interest rates. If your credit file is clean, you must be able to get a better rate than the one you're paying now, have a look around and make an appointment to see an independent financial advisor (IFA) for some advice. They are free as they make there money on commission and you

Tell Carter you will be complaining to them all - then do it. Every complaint is another nail in their murky coffin.

they are all standard threat letters, write back and say that in spite of asking for proof of this alledged debt whicih is still to be provided, you are now threatening court, therefore by demanding money on an unproven debt I am now reporting both you and Bryan carter to the OFT and FSA and in the case of carter tothe SRA. Write to eon and demand their complaints procedure and complain that they have failed to provide valid proof of this debt and that you are now reporting them to OFGEM By stating that you will report them, you must carry this out

Dear TSR, Please send me a copy of your formal complaints procedure by return of post. Drob. Thats the only letter I would be sending to them. As for box clever, have you entered a formal complaint to them? If not do so. Aswell as giving these guys a ring Consumer Direct They will pass the details of your complaint over to TS and the OFT if necessary. http://www.checksure.biz/live/freesearch2_company.asp?ssn=4231108-4573583787097717201460992&companynumber=02086115