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About Saoirse

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Hi Guys & Girls, is anybody able to point me in the direction of any solid evidence that a managed loan has a detrimental effect on your credit score? 5 years ago I could pretty much get credit anywhere, I had a personal loan with HSBC but had mistakenly set the term too low and the payments were too expensive, I contacted them to arrange getting them reduced and they offered me a managed loan, they explained that I couldn't take out payment insurance on it and that they'd cancel my switch card, I told them I wanted to keep my switch card and they said that was fine. 6 months lat
  3. Hi there, I'm hoping somebody might be able to give me a bit of advice on a situation I'm in that I need to get resolved. We own our own house and the next door neighbours house is owned by the Housing Executive, recently the local Housing Executive decided to modernise most of their houses which involved knocking down concrete sheds, fully refitting the inside of the houses and building an extension to the kitchen, fair enough, I don't begrudge anybody decent living conditions but the problems started as soon as the builders arrived. I'll keep this brief and to the point. We have
  4. I did get mine removed, it's all a bit vague but I sent them a letter back telling them it wasn't a signed copy of the original default notice and within a few weeks received a letter back saying that they'd removed them, nothing about not being able to find the original copies though. I think it was pure good luck that swang it.
  5. I've had a response from Natwest this morning and they've attached a (and I quote) "Transcript of default notice", which is not actually a transcript of a default notice and doesn't have any details relating to me on it (i.e. no name, no a/c no, no amount defaulted, no date, no signature, nothing). Do I send them another request for the signed copy of the original and count the time from when the first letter was received towards the 30 days?
  6. Hi there, I eventually had all my charges refunded by Natwest but at the time I neglected to ask them to remove the default notice, which was only added due to the penalty charges which I had refunded (and have since paid off the account with). I never received a copy of this default notice and only spotted it when checking my credit file @ Experian. I've since rang Natwest who say that the payment they made wasn't a refund of the charges as they still consider them lawful and that they won't remove the default notice, they then ended with "if you don't like it, take us to court". Q
  7. Can anyone help me out? I've had the standard letter back now from Stuart Higley saying that they're not going to refund my charges so I'm going to proceed with the whole county court bit, however, I'm based in Northern Ireland so I can't use Moneyclaim, do I just print out the form from the NI courts service web site, fill it in with the text found in the library, pay the fee and that's it? There's a few things I'm concerned about, 1) Am I likely to lose if NI law differs from the mainland; 2) I can't make head nor tail of the fees on the courts web site for NI, does anyone know? I
  8. Ok, I've FINALLY got all my statements through and worked out that I'm owed £765 (not including the 8% interest which I gather is only added if you have to make a court claim), I've used the letter template to ask for it back but I'm not sure who the best person to send it to is, from what I gather Stuart Higley is the one who normally replies and tells you to sling your hook. Anyone know the address? Credit Management services told me to send the original S.A.R - (Subject Access Request) to them but then claimed a month later that the delay was caused by me sending it to them and not to retai
  9. You're a genius! Yes they did end in October 2002. Thanks for that.
  10. Idiots! Received the statements this morning and they've only sent 18 months worth to me dating from 21st March 2001 to October 2002.
  11. I've spoken to Joyce Tudor on a number of occasions and it strikes me that she's far better at apologising and making excuses than she is actually getting things done, she's also claimed that once the request was made to the service centre to process the statements that she was unable to tell how long it would take.
  12. SAR was sent mid-June, recorded delivery, still haven't received any contact from Natwest even though they've confirmed it was received. The £10 cheque still hasn't been cashed and I've chased them up several times over the phone. It's got to the stage now where I've sent out the template letter regarding the non-actioning of the SAR and wondered if someone could give me some concise advice on what I need to do when the 7 day's are up? Many thanks.
  13. Interesting read here regarding feduciary relationships, especially the bit about the fiduciary not being allowed to profit from the relationship, it's from wikipedia so don't take it as gospel. Fiduciary - Wikipedia, the free encyclopedia
  14. Phone this number, 0131 626 1117, it's the department that deals with the SAR requests. Ask them what the score is, also file a complaint with the Information Commissioner (if you give the DPA helpline a ring they'll point you to the right forms to fill in and give you an email address to send them back to). If you don't get any joy (like I haven't) you might have to take them to court to get them to comply, whatever you do don't accept any excuses like "Oh we're snowed under as we have so many SAR's to process" as they're irrelevant, they have 40 day's from the receipt of your initial request
  15. Another update, still no correspondance from Nat West, their response "We've ordered the statements, they're supposed to posted out from a service centre, we're not sure what else to do". If they think I'm going to drop this or that I might be unwilling to take them to court they're seriously mistaken, going to get the ball rolling today.
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