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sandrock

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Everything posted by sandrock

  1. That's what i am trying to find out! Don't know which letter to send. The only thing i had with Abbey was a current account.
  2. Hello Can someone please guide me on this one, Sent a CCA letter to "red Debt Collections" asking for an executed credit agreement copy for a debt with Abbey National, they said they have no obligation under the provisions of the act to supply information, as the agreement I seek is not a regulated consumer credit agreement. last time I had an account with Abbey was in 99, What do I ask for, for proof of the alleged debt and date for me to fire back a letter of the limitation act?
  3. recieved a bill today well two one for Gas and one for Electric, from Scottish Power, med into new property june last year, now want a grand between the both! Surely I can claim a discount, I can not even set up a direct debit, there is no discount on the bill for dual fuel, its not my fault they have not bothered till now to bill. what are my rights here anyone know?
  4. UPDATE... recieved letter from cl finance after me sending out request for reclaim of charges with interest, they have agreed the full amount and interest!!!!!!! come on!!!!!!!!!! yesssssssssss!!!! :lol: :lol: thankyou everyone!!
  5. RECIEVED LETTER FROM RMA SOLICTORS REQUESTING I PAY THE FULL AMOUNT OWING BY 8/3/07:eek: NON COMLIANCE FROM RMA RE C.C.A. NON COMPLIANCE FROM BARCLAYS RE S.A.R. just a cheque for ten pounds and a letter saying they need more time as they are back logged with similar requests!!!!!!!!!! need ADVICE
  6. update........... recieved letter after me sending out request for charges with interest. offered me the amount I 486.00 which is more than what is owed and which is basically the amount i was orginally overdrawn when the account was closed and sent to moorcroft. the offer of 486 is tempting but they have not included interest on this amount or anything about removing my default which related to this overdraft in the first place. I want to go for the full 1,196.00 whic includes interest on the 486.00 WHAT LETTER SHOULD i NOW SEND OR DO I JUST ACCEPT THEIR OFFER HELP..
  7. is it right??.........so little faith in myself............
  8. sandrockDOH!!! recieved a letter today......... from Lowell "we can confirm on our records that you actnowledged the account by making a payment of one pound on 19th January 2007 we would also like to advise that regular monthly payments of one pound have been made since nov 2005. therefore the limitation act 1980 sec 5 does not apply in your case we now require payment of the full balance by return" well any suggestions........ (gutted).......... Lowell Financial Enterprise House 1 Apex View Leeds Yorkshire LS11 9BH 19TH February 2007 Your Refxxxxxx
  9. is it section 127(3) which would deem an agreement unenforceable if it has not been signed by the creditor........... Does anyone have the full wording of this section?
  10. so basicaly they have to have a signed copy which they have, but there isays no countersignature from the loan company .........sooo........it does not say anything about the countersignature/
  11. there is only my signature on the credit agreement not countersigned does this make a difference?
  12. the s.a.r was sent to Barclays.... will be dealing with them now not RMA as they have defaulted on cca. regarding the PPI GONNA look thru ppi section tonight......Happy Valentines............
  13. DOH!!! recieved a letter today......... from Lowell "we can confirm on our records that you actnowledged the account by making a payment of one pound on 19th January 2007 we would also like to advise that regular monthly payments of one pound have been made since nov 2005. therefore the limitation act 1980 sec 5 does not apply in your case we now require payment of the full balance by return" :o well any suggestions........:-? (gutted)..........
  14. RMA i presume bought the debt rather reluctant to send s.a.r. to rma as they did not even reply to cca request..........will do though, will then send payment to barclays instead..... thanks again priortyone:rolleyes: !
  15. recieved postal order back from barclays as the s.a.r. is free and they value their customers etc etc... along with loan details as follows Amount of loan 6000 charge for credit 2559.60 total payable 8559.60 premium loan (ppi) 1363.52 charge for credit 581.68 total payable 1945.20 60 repayments of 175.08 APR 15.9% PAYMENTS MADE TODATE 2976.36 BALANCE BEFORE PASSING TO RMA 6022.18 paid rma 503.00 todate rma have added 526.00 to balance outstanding 1. RMA Have not responded to my cca 2. The PPI was mis-sold to me as I was Self-employed and this was added alo
  16. just about to do a prelim letter regarding charges what inteest rate should i put into last column as 8% is only needed for court proceedings.... new to this........
  17. hi gemspan well i was going to send the above letter to eci on monday, I have stopped the payments now to them. or are you talking about rma?
  18. recieved the s.a.r. fron natwest today.........charges add up to considerable amount..... more than what moorcroft are chasing.......ws wondering to send letter to moorcroft on the lines of: I do not acknowledge any debt to your company. To date you have failed to comply with my statutory request for a true, signed copy of a regulated credit agreement and have therefore defaulted in respect of the above account. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act, 1974 and is a co
  19. thank you priorityone again!.........
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