6ys from the point of discovery ( if of course it was feb 07 you discovered the mistake) so that still gives you 3 yrs.

One word ****e cya my last post too much has gone on behind the scenes lately and now this sillygirl as 4 smartphones you are right as im using one now and it is painfully slow anyway cya all take care

agree bad advice given most of these are small debts and given that you have £250-£300 spare each month your debts are maintainable

whilst the above is true they do have to fully comply with your request and that should include a log of all activity on your account whether by you or them This log will give a date the DN was issued

locutus i think this thread is worthy of a sticky i say this because many disabled would find this useful as in my case a stroke survivor who has memory problems and finds it (or did) a real pain to remember where stuff is It took me 30 mins yesterday to locate disk defag so you can see just how useful this button on the desktop will be

nothing further to add by me emandcole that's a good letter and brings the facts to the attention of the court. Peedee what is happening here is tipical of Optima Legal and its about time the courts brought them to book. PF

Hey all, Welcome to RIP OFF BRITAIN AS A POLITICIAN RECENTLY SAID perhaps we all should be using those three words in all correspondence whether by letter or oral. After all if its ok for a politician to use the term its ok for us too. It is indeed time to ram those three words down the financial industries throat as well as the Government, utility companies and any business that rips off the consumer. It time to make them all realise that the consumer is king. http://www.google.co.uk/search?q=RIP+OFF+BRITAIN&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-GB:official&client=firefox-a PF

Hey Locutus, Thanks for that tip it is the most useful one I've ever been given everything is assessable from the desktop now and I do not have to go searching for what I need. PF

Case No: xxxxxx MBNA Europe Bank Ltd –v- Peedee Dear Sir or Madam I am writing to oppose the claimants (MBNA Eurpope Bank Ltd) application for Summary Judgement as I have had no official notification of the hearing and I have not received a copy of the Summary Judgement from the Claimant or the Court. I would also like to bring the following points to the courts attention I entered my defence via Northampton county court on 24th February 2010 I received confirmation from Northampton CC on 1st March 2010 that my defence was filed I was further informed that the claimant must contact the court within 28 days after receiving a copy of my defence. After that period has elapsed the claim will be stayed and the only action the claimant can then take will be to apply to a judge for an order lifting the stay On 4th June 2010 Northampton CC confirmed my case was stayed 30th July I received a letter from Northampton CC that my case was being transferred to XXX for Summary Judgement. Furthermore I wish to bring to the courts attention CPR PART 1 as it is very clear that Optima Legal has not followed this Civil Procedure Rule though out this case thus far. However I have not received any correspondence to say that an application has been made to lift the stay. I have further confirmed this by phoning XXX county court today who told me that no response had been filed to my defence and that no application to lift the stay had been made but that my case had been electronically transferred to them and the case was likely to be heard this week. Furthermore I would also like to bring the other points listed below to the Courts attention The default notice which MBNA served does not comply with the required timeframes MBNA did not comply with my CPR31.14 request in the permitted timeframe The documentation they have sent me is illegible and doesn’t contain the necessary interest rates, credit limit etc

ay you what never as welcome was offering only the 8% stat interest and you can safely bet that his interest rate was a lot higher than that. This as I have said is a damage limitation exercise they know that the claim is worth a lot more, but they are relying on a consumers lack of knowledge. Welcome will shortly be going down the pan with cattles and do not have much money certainly not enough to fairly redress every person they have fleeced.

I do believe jordan must off been feeling the pressure last night just as we have every day that phone rings So ill mark that as Jordan 0 Cag members 1 He will not be back as it was like being beaten up by a gang of hoddies. Well Done all that another DCA minnow that has had a bad day at work today lol

Once you have the S.A.R info I can then help you work out what you are owed. If it comes to under £5000 that's great as you can use the small claims route if it is over £5000 then it will be fast track or multi track. But remember you have to thing the bigger picture in that £1500 may seem a lot of money to many but it is very likely you claim would be doble that if not more. This is because contractual interest does indeed mount up very quickly. PF

One problem with that is they will most certainly make you sign a full and final and this will exclude you from making a further claim Been there seen it happen, you need to tread very carefully with this and always seek guidance before you do anything even if you choose not to take that guidance. As I have said the FOS is the wrong path for you as they will not entertain the contractual interest you have paid they will also expect you to sign an acceptance form without you knowing what welcomes offer is. You need to get all info relating to all the accounts you have had with welcome via an S.A.R once you have this infomation it will then put you in a better position to act. I really do think the courts is you best option given that welcome have admitted the financial wrong that is a fantastic letter so back it up. With the court route it is quicker will take no more than 9 mths the FOS will take anything from 9 mths to 2 yrs The courts will also entertain the contractual interest aswell as 8% statutory interest. So for now in short get that S.A.R sent off recorded delivery and have a good read of the PPI threads while you are waiting. PF

Correct sar them for everything they hold about you agreements, policy documents, comms logs etc the lot You are in a good situation in that they have admitted the financial wrong in black and white so if they do not play ball fairly forget the fos as that will take 12 mths plus just go straight to court as that will give you a fairer outcome

not so sure they as a business will be able to give you the credit as they would need a credit license is this the case have you checked

STOP you have hit the nail on the head the reason they have made this offer to you is for one reason only DAMAGE LIMITATION Welcome are in a lot of trouble at the moment and are short of cash i can bet that you have paid a lot of contractual interest on there policies and that is due back to you to as well as the ppi and all interest paid on the first loan

as the fos is very busy and a complaint will take at least 12 mths to resolve anything that will speed up the process has to be good

far better to give the fos full details from the start as they will only come back further down the line If you cannot fit it all in the boxes continue on a separate sheet enclose copies of all docs including letters you have sent them

Well there is no denying he has been given the opportunity to read it. PF

Andrew MacKinlay (Thurrock, Labour) The purpose of this debate is to draw the House's attention to the abysmal state of debt collection methodology and the spirit governing it in the UK and the wholly inadequate safeguards for good and innocent people who are endeavouring to pay debt or who dispute it. It is a matter of fact that the debt collection industry relies on a combination of fear and ignorance to make a profit, and that is despicable. Debt Collection (Consumer Credit Act): 22 Apr 2009: House of Commons debates (TheyWorkForYou.com)

And here is a timely reminder of the DCA'S actions that have drawn the attention of the OFT OFT imposes requirements on 1st Credit over debt collection practices - The Office of Fair Trading OFT warns debt sector about tracing tactics - The Office of Fair Trading OFT imposes requirements on Mackenzie Hall to improve handling of disputed debts - The Office of Fair Trading

And here is a few more http://www.debtwizard.com/images/stories/files/oft-debt-collection-guidelines.pdf http://www.csa-uk.com/media/editor/file/Code%20of%20Practice%202009.pdf Harassment

Theirs the Link again jordan have a good read over the next week or so then come back and tell us all if the DCA's actions are within thoses laws and valid. PF

One thing that has come across very clear is that jordan has not put across any solid arguments for a debt collection companies actions infact he has put across nothing we know already.

3 cheers to you as you have just got one statement correct and target driven is the big word and the reason so many people are in debt the financial organisations obscene interest rates downright greediness in lending, credit chqs everything is geared to generate obscene profits. The days customer was king has gone right out of the door customer service means nothing anymore Many bank employees are poorly trained if trained at all this I have had first hand experience off. Indeed the banks have a very long way to go before they regain my trust