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Showing content with the highest reputation on 13/03/11 in all areas

  1. Yes. It's prob at their end, for example the sender may not have automatic send now switched on, it possible to compose an email and then it gets sent later or maybe it gets held up in a third party program (at my old job we had Mail Marshall where sometimes stuff got held up especially if there were attachements or the mail was large), it sound as if you should escalte the problem to an IT Tech at the sender's company. Andy
    1 point
  2. Excelent news everyone - we have been granted permissions to have 4 cats:) After seeking advice from a lawyer, the council have, backed down and let us keep them. Our lawyer was confused as we were, how the council intended to prove " reasonableness " since they allowed 2, but not 4, and how they intended to convince a court of such actions. I guess the council were running around trying to think of all the rules they ever made to try and prove it, but couldn't. This is a massive milestone for us, and one that i'm extremely happy about. It goes to show that no matter how big they thi
    1 point
  3. Hi Upferret , Here they go again .... threats ... see my post #76... IMHO they're bluffing ... but yes I'd send them the same letter as the others ... telling them that , as they have no agreement , or haven't produced one .. they cannot hope to collect ... they'll get shed of it pretty quickly I should think and the game begins again ... and it IS a game to them ... they're not fussy ... it's percentages.. some they win by threats and intimidation ... some they lose ... Don't let 'em win !!!
    1 point
  4. In a word, yes. You should have been provided with the terms and conditions of the PPI separate to the loan. If you consider this has been mis sold then you should be making a claim for a refund of the premiums. Sadly, there is something called "offset" and yes they can do that. But the sum you have advised seems a bit excessive. You are advised to set up a parachute account with a bank that has no link to LTSB/HBoS. Have a read of "Sequenci's Debt Blogs" linked in my signature. There is plenty of advice there.
    0 points
  5. Well, you made a perfectly reasonable offer to pay the Halifax (who are Albion) and they have decided to ignore you. Now there is one of two things they have done with your account. They have either sold it to Moorcr@p in it's entirety therefore, claiming the tax relief and compensation off their insurance, meaning they have now been repaid IN FULL, for their loss. OR, they are using Moorcr@p as their pathetic gopher, in the hope that as it has been handed over to this very puerile clown outfit, you might in some way be a little bit intimidated and start shelling out money.
    0 points
  6. mOshef while you are on this site why not look around and see what credit cards can lead to. maybe try some of the threads in the debt forum, see what credit card borrowing can lead to, court appearances, losing your house perhaps. 99.9% of the people on these forums wish they had never taken a credit card out in the first place. They are a complete financial disaster. Take this advice, pay off that shiny new MBNA card and cut it up, borrow for a morgage only, spend only what you can earn, save for the big things like graphics cards and computers, the one you paid for on credit will be obs
    0 points
  7. I think you hit the nail on the head there PT, when you say about the unfair conduct of the DCA's and not to mention the creditors/lenders. In fact my defence is mostly detailed about the unfairness against me. I never said I would not pay my debt neither did I ever deny it or ignore any correspondence. What I offered not once but many times was not enough so my claim at present is stayed. I am certain that this judgment will be very helpful & useful for debtors who are in a similar situation as myself. I did not try and find loopholes to escape this debt, mind you if there was
    0 points
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