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About Mountain

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  1. PS It is due to Home retail Group that I defaulted as I have been unable to get a written response from them for almost a year! So in reality they issue me defaults because they have been unable confirm my payment and set up a direct debit. Only so many times you can write the same letter to the same company saying please can I pay and please can you send me a direct debit form!!! Profoundly ironic that I'm having to chase these incompetent jokers trying to pay!
  2. Should they have issued a default when the account was in dispute and under investigation by the FOS? Tried him before. Didn't work. The other contact that did try to resolve issues is on leave until the end of the month. Unfortunately, as I said, despite my efforts the continued incompetence of the complaint handlers has delayed any resolution by 8 months at least. Not sure why trying to pay is proving so fruitless. Only default I have is from Home Retail Group. Surprised it has had such a catastrophic effect on my credit rating!
  3. Hi, The other year I was continuously 'locked out' of my Argos/ Home Retail Group account. Unfortunately I had to have emergency spinal neurosurgery so had other more important things on my mind. During my recovery I wrote to them several times explaining the scenario...I was on sick pay with a protracted recovery time. Home Retail Group initially ignored me, sent me demands, lost 3 income/outgoings finance forms. Then attempted to charge me a whole years interest for a card that due to being locked out I was unable to access. So, to cut a long story short, the FOS found in my f
  4. Hi, Yes, I previously had to argue & get the FOS involved regarding that. Erudio will, and do try to get away with counting it as income. They also, contrary to the SL Act & T&C, stated that DLA was not proof of disability and they needed a letter from my GP!!!! Both statements from Erudio were blatant lies. I can however imagine most people, especially those with disabilities just giving in and paying up sue to the lies & bullying. When I took out the student loan I was of course aware there was provision for both disability & low income in the
  5. Cheers. Well, I've beaten them once so... The problem is they were extremely crafty. The agreed to 'the deferral'. A 36 month deferral was always requested and referred to, but not specifically in the final FOS agreement. I have around 20 emails in my file in which 36 month deferral is requested, along with emails demanding information they are not entitled to i.e. medical information. Plus a number of emails give erroneous information & contradict each other. FOS have asked them to clarify but they have changed phone numbers and do not respond to the FOS
  6. Hi, I'm one of the many that Erudio have tried to [problem]! 1997 Mortgage style loan. Never a problem with SLC. Never earned over the threshold and have deferred every year. As I'm registered disabled and in receipt of DLA (lifetime award) and earn below the repayment threshold (just!) I applied for a 36 month deferral under the T&C. in 2014. This year, after a year or so of belligerence and a FOS complaint Erudio agreed to backdate my deferral and were ordered by the FOS to pay me 100pounds compensation. (Erudio also lie through their teeth & make the 'ru
  7. Hi, I have sent a letter before action to test the water! So I'll see what the response will be. Regardless, I'll also be sending a detailed report to the FOS, as now I'm going to issue a complain against CARS. Will see what happens. Thanks
  8. Hi, I'm afraid I'm going to resurrect this thread. Basically , after the FOS investigation the insurance company have admitted fault and offered me a rather paltry amount as a 'goodwill gesture'. So, this brings me back to CARS. They have attempted to bully me into paying a disputed, illegal and now it seems non existent dept. I'm thinking of taking them to court for the stress caused by their constant harassment. What do you guys think?
  9. The latest "Thank you for your email. I can confirm that an agreement has been posted to you which include the terms and conditions you have agreed to. Our client Budget, as the Insurer, is bound to the contract by sending out the policy documents including the terms and conditions. As the customer you are bound to the contract by paying the deposit, first instalment or by promising to pay. If you have signed up to the policy on the internet you have the option to download the contract in addition to the copy which was posted to you. If you would like to make a subjec
  11. So here we go again with CARs. I amended my letter to CARs slightly asking for copies of the online 'transactionst etc. and gave them 14 days to respond. They did not. They tried phoning loads of times so I formally requested they stopped phoning me and coresponded by letter or email. Anyway, I have an email today, a month later stating they have asked the insurance company to send me a copy of the policy. This is clearly not what I asked for. I originally asked my insurance company for copies of the online transaction and proof the T&Cs stating the short term rates wer
  12. Ah yes that's the one, I posted earlier about the insurance. It also seems that others have not been able to access the terms and conditions online too!
  13. Basically I had a car insurance policy done online. The certificate was emailed to me but the policy details were available online...except they never were available online. I printed off a few screenshots of the documents unavailable message as I was a bit annoyed by this. I eventually cancelled the policy which had been automatically renewed. They attempted to charge me 'short term fees' detailed in the documentation 'available online' which it never was!!! I had a lot of communication with them regarding this asking them to provide me with details of my online log-ins and to prove
  14. Response to last letter: As detailed in my previous communication please comply with the Consumer Credit Act 1974 (Sections 77−79) notably s.78 (1) Consumer Credit Act 1974. I will not enter into any further communication with you unless you fully comply with your obligations under UK law. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. If you have not complied within the legally binding timescale I will consider the matter closed.
  15. 1st letter. I do not acknowledge any debt to your company or its clients. The insurance policy was not renewed by me and therefore the supposed debt is still in dispute. The company has not yet supplied me with the information I requested regarding this matter despite them being legally obligated to do so. I have post office date stamped copies of my previous communications. The company is therefore acting illegally by passing an alleged debt on to a collection agency. With reference to the above agreement, I require you to supply the following documentation before I will correspon
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