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SROSSJACK

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  1. Thank you very much rory32, that should do the trick Post Office tomorrow:p
  2. I am in the process of replying to RW regarding the above points and also want to point out that they have not complied with my CCA request. I also want to say that they time barred argument also stands but am I not then admiting that I agree with their claim for the debt?!? The Prescription and Limitation (Scotland) Act 1973 Part 1 Section 6 "If, after the appropriate date, an obligation to which this section applies has subsisted for a continuous period of 5 years: (a) without any relevant claim having been made in relation to the obligation, and (b) without the subsistence of the obligation having been relevantly acknowledged, then as from the expiration of that period the obligation shall be extinguished:" Not sure what to do...should i wait for them to send the signed agreement they say they have HFC for?
  3. sorry that should have said i'll bear that in mind, no doubt they'll try every trick in the book!!
  4. tiglet Thanks, I am composing a letter to them now. Hope they get the message and go away soon!!!!
  5. 42man I can't remember exactly when all this is from but atleast 8 years. Does this also apply to Scotland though?
  6. Thank you folks for all your advice. These people really are lowlife!! I will, as you suggest, send of letter M and hopefully this will be an end to it! I will let you know.
  7. I recently was pestered by Robinson Way on behalf of HFC Bank for an a debt they say is outstanding. This is something that happened more that 8 or 10 years ago and cannot remember exactly what it was or what happened. However, I sent a CCA letter requesting the prove the debt and supply me witht he signed agreement. To my surprise I received a letter from them today saying they acknowledge my letter and have requested 'a signed agreement from our client' and would forward it as soon as possible. They also attached a Notice of Assignement. Quote: "As a simple assigne from the orginal creditor we have acquired the rights but not the duties of the creditor as defined 189 (1) of the CCA 1974 and accordingly are entitled to pursue the customer for the monies that remain due by reason of section 139 of the Law of Property Act 1925." Are they just chancing their luck? or am up for a fight with Robinson Way? Should I reply to say if they don't reply within the time limit specified in the CCA they will be in default??
  8. I recently was pestered by Robinson Way on behalf of HFC Bank for an a debt they say is outstanding. This is something that happened more that 8 or 10 years ago and cannot remember exactly what it was or what happened. However, I sent a CCA letter requesting the prove the debt and supply me witht he signed agreement. To my surprise I received a letter from them today saying they acknowledge my letter and have requested 'a signed agreement from our client' and would forward it as soon as possible. They also attached a Notice of Assignement. Quote: "As a simple assigne from the orginal creditor we have acquired the rights but not the duties of the creditor as defined 189 (1) of the CCA 1974 and accordingly are entitled to pursue the customer for the monies that remain due by reason of section 139 of the Law of Property Act 1925." Are they just chancing their luck? or am up for a fight with Robinson Way? Ps I don't know if it matters but I live in Scotland.
  9. verbal agreement-binding??? Recently had dealings with Anglian Home Improvements, who quoted for a conservatory. The usual pantomime about discounts, phone calls to Manager, sign up here and now...etc. Agreed a price and sign a Personal Illustration which outlines credit options and the such like, and paid deposit by cheque. Next day a call to say they had made a mistake and couldn't do it for that price. They did not put this in writing and said they didn't have my cheque, only to turn up 2 months later and be returned...Is my agreement and deposit enough to make them honour this agreement? Please help!!! About to contact Trading Standards and CAB. vbrep_register("1093484")
  10. Recently had dealings with Anglian Home Improvements, who quoted for a conservatory. The usual pantomime about discounts, phone calls to Manager, sign up here and now...etc. Agreed a price and sign a Personal Illustration which outlines credit options and the such like, and paid deposit by cheque. Next day a call to say they had made a mistake and couldn't do it for that price. They did not put this in writing and said they didn't have my cheque, only to turn up 2 months later and be returned...Is my agreement and deposit enough to make them honour this agreement? Please help!!! About to contact Trading Standards and CAB.
  11. I am having some trouble with Aktiv Kapital. Having just found your forum I am drafting a letter of reply to the concerning my alleged debt. But my main question is: According to AK the debt was from 1995, what I want to know is the time limit issue as this is more than 6 years can I still be chased for this? I also live in Scotland and under Scottish Law does it differ.
  12. I also am having some trouble with Aktiv Kapital. Having just found your forum I am drafting a letter of reply to the concerning my alleged debt. But my main question is: According to AK the debt was from 1995, what I want to know is the time limit issue as this is more than 6 years can I still be chased for this. I also live in Scotland and under Scottish Law does it differ. A
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