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mrxxxmas

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  1. believe it or not, all the figures were lined up correctly under each header before i submitted it:evil: mrx
  2. thanks LL sorry for the delay, needed to sleep. I am using Vamp's no 16 from her chambers on google, the statement sheets are set out as this.. the interest is 30.94% e.g. statement date 10/02/2004 minimum payment due £43.51 credit limit £200 new balance £231.93 transaction date details paid in paid out (several transactions) 13/01/2004 Stand ord pay. -£175 28/01/2004 over limit fee £20 10/02/2004 interest £1.68 Totals £175 £265.97 each section on the a4 paper layed out like this.. next month... statement date 10/03/2004 minimum payment due £9.75 credit limit £200 new balance £195.18 transaction date details paid in paid out (several transactions) 27/02/2004 Stand ord pay. -£231.93 10/03/2004 interest £2.33 Totals £231.93 £195.18 sorry if i've confused anyone, but the limit changes a couple of times through the lifetime of the account. another example later on statement date 19/04/2006 minimum payment due £1.16 credit limit £1000 new balance £1.16 transaction date details paid in paid out 19/04/2006 debit transfer £11.03 08/04/2006 payment received -£1021.00 19/04/2006 sgmnt bal cred. tra. -£11.03 10/03/2006 interest £12.19 Totals £1,032.03 £23.22 i hope someone can make sense of these, because i cant.:? mrx.
  3. morning doo, im not tring to hijack thi post, but could you please help me with this? http://www.consumeractiongroup.co.uk/forum/capital-one/93065-problems-filling-spreadsheet.html mrx
  4. Hi all, i've tried several times to fill in the spreadsheets for my capital one card, the statements are a4 sheets as per most of you i suspect, the entries are split into months, and have three or four per a4 sheet. Because sometimes i paid the full balance on the cards, it seems to throw the calculations out. When i add the info for each month (section) in one line it doesnt seem to work how i would expect it to, are you suposed to add the info from each section on the same line, or maybe take the amount you pay from the previous section, or the one after, i've not slept yet, and very tired.. also conflicting informtion about wether to add all interest data regaurdless of penalties for that month or not... can someone please help me... thank you mrxxxmas
  5. i'm so sorry cornucopia, i forgot about this thread, i've been on a few others, just to update, i sent MBNA and Monument, SAR's and CCA requests both are now in default, MBNA have not responded, and Monument suplied an obvious application form i'll enclose a link for you to see, anyway i've sent this letter to MBNA.... M B N A EUROPE BANK LTD STANSFIELD HOUSE CHESTER BUSINESS PARK CHESTER CHESHIRE CH4 9QQ 02.04.2007 ACCOUNT/CARD NUMBER: Dear Sirs, You have now failed to comply with my lawful request for a true copy of my agreement in accordance with the Consumer Credit Act 1974. I asked for a signed agreement with terms and conditions, APRs’, monthly payments, length of payment etc. To this date I have received nothing, without this you do not have a properly executed agreement and it is unenforceable. You are now formally in default and cannot enforce the agreement. This means that you cannot make any charges against the agreement, you cannot make any interest on the account you cannot default the agreement nor share any data related to this agreement with any third party, including the sale of the account. Any defaults which you may have raised must be immediately removed. Any attempt to enforce this agreement is unlawful. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Non-compliance with my request is an offence under the above Act and will result in a report being submitted to the relevant statutory authorities. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I also wish to make it absolutely clear that personal callers will be viewed as trespassers, and action will be taken, including but not limited to, Police attendance. Yours faithfully, mrxxxmas © Reclaim the Right Ltd. this is now up to date we'll wait and see, and a slightly different one to Monument asking for agreement not aplication... with a bit of luck this should the monument cca link http://www.consumeractiongroup.co.uk/forum/general-debt/74733-credit-agreement-application-10.html#post686554 mrxxxmas
  6. hi all, thanx for your advice, i've amended the letter and sent it and a similar one to MBNA who havent sent anything back, defaulted last friday, as did monument, i've only been gone a couple of days, taken ages to catch back up, decided to send amended letters because they need a kick up the ass, but i didnt remind them about their impending criminal offence, or when their deadline was, they need to refer to previous letters for that, and like i keep getting told, let them do their jobs...lol i agree with louis we owe so much to so few, pam and dave special thanx to you... also to pam... Please see my comments above. No disrespect to you intended, but I am very concerned that some members are not fully reading up on, or sometimes just not understanding the relevant legislation and how/when it applies to each individual case. Letters to these people MUST be factual, concise, legally relevant to the circumstances and assertive without making any threats that may not be actionable. Otherwise we are just playing into their hands and they will disregard us as not knowing what we are talking about! Regards, Pam .... i'm so sorry, but there is an awful lot to read, we do try, honest, but speaking for myself, i'm as thick as they come... all the best mrxxxmas p.s. have you written your letter to santa yet, it seems youv'e been very good this year and you should get a decent present this year...lol
  7. and what about the change from Providian to Monument... mrxxxmas
  8. it may be my mistake, but i thought i'd read some where on here, that whilst they dont have to send it with the card they do have to have one completed within 7 days of card, maybe not, can someone clarify please? mrxxxmas
  9. this is the letter going to monument, any comments please... Dear Sirs, You have now failed to comply with my lawful request for a true copy of my agreement in accordance with the Consumer Credit Act 1974. I did not ask for a signed application form, I would like to see the agreement with terms and conditions, both our signatures, APRs’, monthly payments, length of payment etc., also, the card changed in 2002 to Monument from Providian (signed agreement please), and the new card was issued in 2005 (signed agreement please), and my original T&C’s from Providian, not Monument, plus deed of assignment, to transfer to Monument 2002. Without these you do not have a properly executed agreement for this account and it is unenforceable. You are now formally in default and cannot enforce the agreement. This means that you cannot make any charges against the agreement, you cannot make any interest on the account you cannot default the agreement nor share any data related to this agreement with any third party, including the sale of the account. Any defaults which you may have raised must be immediately removed. Any attempt to enforce this agreement is unlawful. Non-compliance with my request is an offence under the above Act and will result in a report being submitted to the relevant statutory authorities. You have 30 days to send me my true copy of my agreement before you commit a criminal offence and it is my intention to report you to the appropriate law enforcement agency and to the OFT as an organization not fit to hold a license to trade in Financial Services and report you to ICO for breaches of the Data Protection Act. Please do not respond with the usual kind of standard reply I have read them all on “The Consumer Action Group Forum”, I want this dealing with as a matter of urgency, the conversation with a member of Mercers prompted this response, I was disgusted with the attitude of said member, and he obviously didn’t know or understand my rights as a consumer, strangely enough, if I hadn’t been made redundant, I wouldn’t have got into trouble with this account, I wouldn’t have found the forum, and I wouldn’t have known my rights, so for your future reference, try to deal with peoples circumstance more sympathetically such as Capital One, who have given me 6 months to pay £1 per month, with no charges or interest added, they said if the circumstances didn’t change they would give me another 6 months agreement…. I will not deal with Mercers anymore, any further telephone conversations will be treated as harassment and the protection letter “Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997” “Communications Act (2003) s.127” will be sent to all concerned. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I also wish to make it absolutely clear that personal callers will be viewed as trespassers, and action will be taken, including but not limited to, Police attendance. Yours Mr Xxxmas
  10. thank you all, i've hit ur scales best of luck too all of you mrxxxmas 'eres to hoping christmas comes early this year...lol
  11. thanx peeps would you send the letter to monument or mercers, or both, asking once again for the agreement, the deadline for the cca is tomorrow, should i give them extra time or threaten them with someone ie oft ts ico, because like i said, no agreement, no right to give to third parties such as mercers or sell on, also mbna's deadline is tommorrow too, and i've heard nothing from them at all, they received their letter 15th march and i know they cant have an agreement i never signed one! it was done online... mrxxxmas
  12. thank you both seahorse and m i dont mind shaking a stick anywhere, and its all come about from being made redundant, so its a bit ironic really, i wouldnt have found this site had it not been for these vultures, and of course plenty of time to kill.... mrxxxmas
  13. thanx seahorse i've been told, that as long as i keep paying £1 per month and sending currant income/expenditure sheet, no judge would force me to pay more, is this correct, they also said that monument would proberbly sell account before it go's to court, if this isnt agreement, and they dont have anything else, what about my right to Data Protection, no agreement, no signiture, cant give my details to third party, or sell it? is this right? what about defaults being removed? mrxxxmas
  14. hi all some of you may have seen me before, so i'm sorry if i've reapeted anything i was made redundant early jan this year and all the creditors seemed to pounce, only cap one (which i didnt expect) had the good grace to allow six months payments of £1 and no charges or interest added, the rest started getting dirty, monument (formally providian), have now gone to mercers, and its these which are giving me the most grief, i asked for my agreement and this is what they sent me, its similar to rinky's, but its on monument paper and monument T&C's but i opened account with providian, and never received new agreement with card when it changed in 2002, or new agreement in 2005 when they sent me a new card, mercers have told me they will be taking me to court soon, i told them that i was getting help from DAWN Advice Ltd, and they would be dealing with monument, but they had a 5-6 week back log, mercers said i'd better tell them to hurry up, cos i would be in court before then... i've highlighted some area's mrxxxmas Doc2.doc
  15. unfortunatley my SAR request dosn't go to default, until 30th, but i would really like to join in, can i not assume they wont respond and join in anyway? really wishing u all the best, and dont give up the fight, i'll proberbly join in NEXT MONTHS, well we hAVE TO KEEP THIS GOING DONT WE! mrxxxmas
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