Thanks for reply seahorse,

The co-op account was well over 6 years ago and I did SAR them last year with the reply that they have no data or anything to say I even had an account.

My problem is that Cabot have a charging order on our house for the debt to the Co-op, is there anything I can do?

I know it's probably been left far too late to do anything but I can try. lol

I will CCA for the Vanquis card and see what they come up with and as you say if its enforcable then I'll negotioate via snail mail with them .

Hi again,

I sent SAR to Welcome without account numbers and it was signed for as received on 5th November 07.

However, Ive had absolutely no word from them at all!!

Should I ring them and remind them or just send off another letter??

I since found one of the agreements or art least part of one with some figures on.

We were missold this PPI as we were told we couldnt have finance if we didnt take it.

Its around £2500 !!

Hi all,

Leaflet and 2 letters today from Cabot saying they have bought my vanquis card account.

It says to contact them to arrange payments etc etc

Do I do that or do I need to CCA them?

I have previous dealings with this company except they were then Kingshill No 1.

They actually have a charge on my property regarding an old bank account with the Coop, with whom I have been in touch about bank charges but the Coop reckon they have no knowledge of such an account.

Is there anything I can do about the charge??

I realise that but it was a part of the Fiesta chain of hotels.

They offer certain facilites that we like, therefore booked to go back for the third time.

We collected points to spend with them etc

They no longer own it therefore cannot possibly have the same conditions.

Thats why I think the change of ownership is a BIG change/

Hi Shywazz, well I'm being a bit of a detective and have now got contact details for the new owners.

Am waiting for email back from them hopefully.

Do we have to pay rest of our deposit if we cancel this holiday due to the hotel no longer being what we actually booked??

Wonder if anyone can help?

We booked our holidays for 2008 last september with Thomson.

Returning to same hotel as last 2 years to meet up with friends.

As we were thinking of adding someone to the booking I just happened to be looking at the hotels website (Fiesta) and noticed that it along with another of their hotels is no longer on the site.

Thinking it was strange went onto Thomson site and tried searching availability etc and our chosen hotel did NOT appear.

Even stranger I thought as it seemed a bit odd to be fully booked already!

Anyway I emailed Fiesta and they confirmed that they no longer own these two hotels!

Also they wont tell me who does and what arrangements there are in place with the new owners regarding bookings, food and entertainment arrangements.

Thomson are denying knowledge of any of this and said if we wish to move to another hotel we have to pay!

Anyone help please regarding our position??

We have paid the minimum £50 deposit per person.

Thanks

Can anyone help me to write a letter rquesting information about loan accounts I have held with Welcome over the last 6 years.

I paid off the last one early towards the end of last year.

I have no paperwork but now realise I was mis-sold the PPI as the salesman told us we would get the loan if we took the PPI!!!

I dont have any account details so really an only provide the date it was paid and names address and DOB.

Thanks

Hi again, sent SAR to Coop and have received a letter on Friday stating that they have no record of an account in my name!!!!

Now what??

Any clues please??

Hi , sorry to butt in on this thread but I am looking for arguments to support my claim.

I have received part settlement from Halifax, but they are defending the rest based on the fact that it goes back 6 years and 4 months and no tjust 6 years.

Therefore they are saying I am not entitled to the first 4 months charges and am only entitled to charges going back 6 years from the date of service of N1 form.

Hope this makes sense to someone as I have recieved AQ today and am a bit stumped.

Also it has on letter from court that I have to pay £100 on filing the AQ, the original claim was for £2886 but £2552 has been paid already.

Do I need to pay the £100 based on the claim as it stands now?

Thanks to anyone who can help

So you think they might just say the claim is for £334 cos thats all thats left, the rest has been paid to me already.

Hiya Chop,

Got my AQ and defence today.

They just defending the £334 remainder that they owe me.

Trouble is on the letter from court it says it will cost me £100 to file the AQ

Dont know if its worth it?

It has to be in by June 18th and we go away 15th

We are in Durham Chop, you?

OK rang court yesterday as time up for defence.........yeah u guessed it........Halifax entered a defence....yesterday!!!11

Now waiting for AQ etc.

Bit scared now lol

subscribing....waiting for AQ

congratulations looboo !!

Enjoy!

Hi Owl, I was so so pleased when I came online and saw that title ***WON*** .

Congratulations !!!

Car Shopping??

hehe

Happy spending

hiya chop,

I rang the court today and turns out the Halifax have filed a defence today for the remainder of my claim.

AQ is in post the nice lady said

I dont know if it is just the remainder for the AQ or the whole amount either ??

Hi Scottiepoll, sorry I havent a clue as to what you do next.

Maybe ring thecourt and ask them about it?

Someone on here will surely have an idea though.

Fingers crossed for you

hey scottie thanks for your kind thoughts for my mum.....

I was actually given charges plus approx interest plus costs so mine is a bit different.

Did they say why they hadnt included the 8%?

You dont need to know what you are talking about........they have a dedicated number for this.

They will ask a few security questions, ask when u took mortgage out etc etc then tell you how much they owe you if they do owe you anything.

They then send out a form to sign and return then send you a cheque.

They forgot the form signing stage for us though and just sent the cheque lol

Oh well at least something happened lol

They intended to defend my claim too but never did.

I'm waiting now for the rest of my money .........see if they defend that

Good luck Owl

Mack

Thanks Owl, Im sure she will

You got any news yet?

Hi Natking, thanks for your thoughts.

She is doing ok just waiting for a bed in a different hospital now to have yet another angiagram!

Hope it all goes ok for you natking, I'm sure it will

Mack

Mortgage Fees: Reclaim £100s of unfair fees if you've switched/repaid a mortgage | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more,

Hi dewsbury, if you look on there it has a list of all banks etc and their exit fees, with details how to claim them .

I got £135 back off Halifax with a phone call it was dead easy, they sent me a cheque within days

hi dewsbury, you only have to phne the halifax for these fees to be refunded.

i will find the number and get back to you............

hi Chop,

My letter doesn't actually say full and final settlement so I'm not offering anything back lol.

Will have a bash at letter in morning........too tired to be bothered now.

Cheers and good luck

MAck