I feel very strong about the whole bank charges issue. thanks to First direct and others my life has been misery for the past 2 years. now i am in the know and i will not accept any more charges unless all banks and credit cards company reduce their charges to £2 as it should be. until that time comes i will chase any bank charges... i will be filing tomorrow at court against FD but thats another story...

Ian is that acceptable at court? myself being old fashioned i decided to hand write it...:o

Thanks thought about that... Tommorrow i will try my luck with these...

HHHEEELLLPPP!!!!!!!!!!!!! I am filling in the N1 form with my laptop but when i try to print it the stupid printer prints everything including the boarder... I have already mess up all the N1 forms i got...so what now?

ok thanks... runs off to court with the N1 form...:grin: wish me luck...8) FD you had your chances... now its in the hands of the law...:grin:

Update FD did not follow through their GOOD WILL GESTURE... So i am now preparing the court papers... i am old fashioned so i will be filing these papers into the actual court... one thing i am doubious... the statutory interest calculated daily????? my claim is for £1209x(0.00022 as per the details in the template library)=0.26598 which means that from today until they settle i am adding 26 pences to the total for each and every day passed. Is this correct? can anyone or one of the mods confirm?

PPMAN thanks for your advice... i did explain the situation to them on phone and got a lenghty recording. they did not budge one bit... our charges are fair and transparent... we will not refund... we will defend any claim in courts...

be careful how you go about this as apparently mobile phone contract are not regulated by the consumer credit act. you can have a look at one of the sticky from BUZBY in the telecomms thread where he explains it the correct way. hope it helps

Hiya all I have been member for a while and i took the fight to banks and credit card companies. Now reading about claiming beyond 6 years... i want to give it a go... The culprit? yes you guessed it... woolwich back in 1999 before got bought out from barclays... PROBLEM: i don t have anymore the satement so i have no info about the account number... so HOW DO I GO ABOUT FINDING OUT THESE DETAILS IN ORDER TO SEND A SAR? thanks for your help folks

I will sure do... i will make trading standards earn their money...

I will do... these morons think they are above the law... well i will be taking great pleasure in crashing them back down to mother earth with aloud bang!!!!!!!!!!!!!

yep can confirm that Studio does not keep the signed agreement. mine is only dinky at £79.59. But moorcroft(dca acting on their behalf) is trying to enforce with threat of recovery in conty court... YET NO CCA=NO DEBT

well i have no way of checking if that happens as this account is now with mercers the in house dca from barclaycard... and i don't feel like phoning them to check

Poochball did it came from James Ball by any chance?

Oh well rejection letter will be fired tomorrow and then roll on 18/04... Cap1 you had your chances...

Thanks dsilverstein I will be sending the rejection letter tuesday morning... the account is now with Mercers who are threating court action although they default on my CCA request...but thats another story...

Hiya buzby I am challenging a mobile phone operator... and after asking for a copy of the original agreement... the DCA thats dealing with it sent me that reply... Thats why i went to search for the exempt agreement... To be honest this does not make sense to me neither the DCA reply.

Lets put it this way... NO CCA=NO DEBT... If their collection agent will call... which i seriously doubt... he/she will be politely reminded to bugger off... if non compliant... the smokeys(cb language for police) will take care...

I am acting for the missus and i ve sent the CCA request to Mercers. They are dealing with the account now... First thing tommorow morning i will contact trading standard and made them aware...

Update: I finally made sense of this... Call serve and Credit security are the same... and both are trying to enforce a barclaycard debt. Sent a CCA to call serve and they defaulted but still sending me letters the latest one this morning saying that a debt collector agent will call upon my premises to collect... as if... he/she wouldn't get past the 2 dogs i have... Now even credit security are trying to enforce payment same debt different reference number. their latest letter demanded payment directly to their office immediately. in between all this going on nobody has actually said anything about my CCA request. First thing tuesday morning i think a call to my local trading standards is in order also a complaint to OFT as well.

Update: received an offer from crap1 after my LBA. Claim for £440 they offered £40... as a good will gesture... roll on 16/04 for the N1 to be filed at court

UPDATE: Sent LBA on 02/04 for £700... today got an offer for £132... on 16/04 i will be filing N1 at court...

Update: HFC replied to prelim letter basically telling me to go away... our charges are fair...(expected). What shocked me is the fact they do not agree with OFT report on credit card charges... this is a pass from the letter: "The OFT has recently published the finding from its enquiry into default charges on credit cards. HFC Bank has carefully considered the OFT publicationand does not accept its finding" Would you believe it? Well 16/04 LBA is going to be fired and 30/04 N1 form filed at court.

hey tanzarelli just a quick question... My wife has signed a power of attorney form for me to deal wit her affairs with credit cards and bank charges. wen i file at court do i need to show this to the clark? also what happens if crap one refuses to deal with me?

I have a bit of a bone with a couple of DCA chasing me and the missus for a contract mobile phones with 3. We sent a CCA request and been told that under the terms of the consumer credit act (exempt agreement) order 1989,article 3(1)(a) this account is not regulated by the consumer credit act and is enforceable. Now this is what i found: Exemption of certain consumer credit agreements by reference to the number of payments to be made by the debtor 3.—(1) The Act shall not regulate a consumer credit agreement which is an agreement of one of the following descriptions, that is to say— (a) a debtor-creditor-supplier agreement being either— (i) an agreement for fixed-sum credit under which the total number of payments to be made by the debtor does not exceed four, and those payments are required to be made within a period not exceeding 12 months beginning with the date of the agreement; or (ii) an agreement for running-account credit which provides for the making of payments by the debtor in relation to specified periods and requires that the number of payments to be made by the debtor in repayment of the whole amount of the credit provided in each such period shall not exceed one; not being, in either case, an agreement of a description specified in paragraph (2) below; and in this sub-paragraph, "payment" means a payment comprising an amount in respect of credit with or without any other amount; Anyone care to explain to me? I am of course the debtor... who's the creditor and who's the supplier?