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alibobsy

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alibobsy last won the day on July 28 2011

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About alibobsy

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  1. Had a letter today from UU confirming cancellation of the case yay! Ali x
  2. Thanks for the swift replies, I did send a message to customer services, but had no reply. Will make a complaint and see how it goes, but watch my dates on the court action and defend anyway. Ali x
  3. before Christmas we had some financial issues the monthly payment for UU couldn't be paid -I actually cancelled it to avoid charges. After Christmas I got a single reminder letter for the bill -about £180 pound left. at the start of Jan I logged onto the online service and set up the direct debit, this would clear the full balance via 3 higher direct debits before the end of March ready for the next bill to start as normal. This was accepted online and I also received a email confirmation a few days later. last week I got court papers from UU for the bill.
  4. Any moves on this as my claim is at a similar point with the FOS, but they now say they don't think they can look into the complaint as the feel they cannot establish an "unbroken chain of responsibility between the 3 parties involved". I have some further responses to send and will ask for the ombudsman to look at it if they still refuse, but it is taking such a long time. Ali x
  5. Aghhhh letter from FOS stating they don't feel they can look into the case against CIGNA as they state they can't establish an agents relationship between CIGNA and the broker (whom the consider to have done the miss selling). I have some stuff to throw back at them from the small print in the PPI document that they may have missed. Otherwise its a case of ask an actual ombudsman to look at it. Has anyone ever won against GE money in court? Ali x
  6. Wonder where you are with this as the FOS have written to me to say they can't proceed against CIGNA as they state that neither Igroup nor the broker were their agent! I have some points I will throw back at the FOS and can still ask for an ombudsman to look at it, but just wondering what has happened to people in a similar situation. Ali x
  7. I came here after the same "card" appeared on my file. I have an Aqua advance where they recently worte to say they are reducing the interest rate because of "good conduct" and "improved credit rating". as per previous poster my old Aqua card details have been removed. Have aqua been sold? Or perhaps they are being rebranded by Halifax somehow? Ali x
  8. Update SAR with capital one so will see what comes back. L alledge they and CO have sent me a copy agreement, but CO didn't even send a reconstructed one, just a copy of T & C that was from a different period not from when the account was opened. L allege a full set of statements was sent, when I actually got an incomplete list of transactions with the first couple of months missing and the next few months with just balances no transactions. In fact CO initially said the agreement was archived and they were trying to trace it, later to the FOS regarding the PPI
  9. OK thanks for the info guys. Will wait for SAR results and see what the reply from L and DF is. If the earlier payment prior to the CCA request is the last actual payment from me this will be SB in a couple of months, so hopefully that will show on the SAR. Mind you either way its worth raising with L to see what they come back with even if the SAR isn't clear. Meanwhile DF have written to say L have "kindly" offered to knock me 20% off the bill, like that makes it any more affordable or enforcable. I assume the fact they are already offering money off suggests they aren't kee
  10. The PPI claim is already with the FOS at the mo, the adjudicator found in my favour but CO won't accept and insist it goes before an ombudsman. I based the PPI claim on the transaction sheets lowell supplied-not a full set though plus the statements I hold, but I think a SAR to CO is the way to go, I did claim some earlier charges which they settled before court, but there are some £12 ones after that that may be claimable. It might be the SAR pushes them to get the PPi claim settled-can't hurt. I also am confused about the actual SB date. On the lists the DCA sent I can see my CCA £1 sho
  11. Hmm may have a problem with this now. Looks like the CCA request went to the OC not the DCA, but it clearly shows as a £1 payment on the transaction reports the DCA sent to try to convince me to cough up. Shouldn't this have been held by the OC as "in dispute" rather than sold on. Will still do the letter and do a fresh CCA request if they start moaning. Wondering if to point out the fact I am not currently working to see if they will stick me on the can't pay pile (I don't have that money even if I was inclined to pay up lol) rather than the won't pay. As they are saying they will p
  12. Yep its older than that from 2003 in fact. So I don't think they have any kind of enforcable agreement. I would guess they are having a last push before it goes statute barred later this year. Going to get out the original docs from the CCA so I can give the exact date it was served to them, I will send the queries to both lowell and DF and try to delay until SB. Ali x
  13. Found the date and as I thought not SB till late this year. So I think it will be the CCA line then. Will check I still have the proof of posting from the orginal-should have as not thrown away any paperwork since. Will write re the CCA or do a fresh one. Ali x
  14. Hmm, think my best bet is to get the papers out again and work out the actual statute barred date. Thanks Ali x
  15. the above defaulted account was sold onto Lowell a few years ago. At that point I served them with a CCA for which they could only provide a "made up" application I wrote pointing out they were in default of the CCA and that as they failed to provide an original application I could only conclude they didn't hold one I therefore considered the account to be in permanent dispute (all this done with the brilliant info on this site). All went quiet with them and alonside other accounts in default of CCA requests I was waiting for the 6 years to pass. The other old acco
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