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Everything posted by Happyhippy1959

  1. Had the same with this bunch, Fletch is right, Cap One could not supply even an application form just a set of terms and conditions no name on it or nothing, told them they had not complied they then sold to Lowells who said they are waiting for a CCA from Cap One who are searching there very very deep archives hmmmmmmmmmmmmmm Told them best of luck as Cap One had been searching for it for 18 months prior to selling Lowells a lemon. I took mine out about the same time, at some Airport if I remember !!!!!!! The only good thing I can say about Lowells is they have an e-mail address and are happ
  2. Yep concur with Brig, They would have used that if you had defaulted on CCJ. Go for your sale with a easy mind.
  3. Wetcloths haaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa Well said Brig, they are bullies and you know what to do with bullies. !!!!!!
  4. Had the same problem with these muppetts when my late father passed on, they even wrote and told me he had a property call XXXXXXXXXXXXXXXXXX house, which in fact was the Nursing home he spent is last few weeks in with his nasty Brain tumor, and if they properly checked they would see he was a council tennant all his life. I knew nothing of the debts he had and the insurance just covered the funeral and what was left over went to his Grand Children £100 each, it was over a year after is death that I was contacted. They had it back big time. Tell em to jog on, in more stronger words as I used.
  5. Ok, I re-sent them the CCA request and a letter telling them they had a duty to pass on the request and today I find the same mantra letter from Wetcloths. What a bunch of Muppetts, this account is now in dispute as the request was made in August. The request was made with the template letter, there was the correct fee as you can see at the bottom of the letter. What are these idiots trying to prove. Should I now just ignore and tell them to bog off if I have anymore requests from these dicks or is Boo around to give me one of his charming polemics, now that would be good. Again dea
  6. Westcot ruthless, about as ruthless as your Garden Slug,,,, that is why they are called Wetcloths on here. !!!!!!!!!!!!!
  7. Thanks Guys just as I thought. I have sent it back to them with the £1.00 PO and told them it is there responsibility. And yes Citizen B they did return the money. Thanks again.
  8. Recently Wetcloths have been trying to collect on a old Mint Card. I sent in a CCA request and this is there reply. My question to refresh my memory is, Should they not have passed it on, what should I reply back to these muppets ???? As ever I await my learned friends advice.
  9. HSBC, what a bunch of T**sers, ( we don't freeze interest and charges only in exceptional circumstances ) and no repayment plan for benefits,,,, Tell them in no uncertain terms then until they stop adding charges and interest and come to a sensible decision then no payment till Hell Freezes over, as Boo say's what can they do to you. !!!!!!! Your on benefits, no assets the whole industry is a joke. I would like to see the face of the DJ when they put that bad boy in front of them. But to cover your back, paper trail, paper trail, one thing I learn't on here, is to reply by e-mail if po
  10. had the same problem with Tesco this time, have been paying them for four years have managed to raise it from £1.00 to £5.00 over that time, this time they kept saying I need to fill in there IE, BOY they did not give up, kept saying they would take me to court so in the end done me simple one £ income £ outgoings money left over this is what your getting. There IE form is so personal, with questions like why did you get into debt, partners income if your sick send in sick note ( bunch of jokers ) so my three line IE is all there getting. Will see what they say.
  11. Thanks guy's your great. Thought as much, when First Plus rear there ugly head as we know they will eventually or some muppet that has purchased it I will play a little ball game at first take it to the wire then go BR and Mrs ex can do what she wants. Oh how what goes around comes around, for five years after dumping me and me paying the mortgage and secured loan working seven days a week, no car no money, it is now me who has money put away beyond the reach of anyone, a little car now a lovely home. She on the other hand is now so broke she had to borrow £30 of my sons birthday money I gave
  12. Hello to all my CAG friends, all is well in Hippy Land so far, tempting fate I know. !!!!!! Most debts unenforceable, lovely rented three bedroomed detached with a work colleague as lodger who is never here. Never been so well off and its 99% due to you great guys and girls out in CAG land. Now I let them repossess old house and low and behold made enough to pay off mortgage with £10k to spare which went straight to those gangsters First Plus. Now even with that me and ex Mrs Hippy still owe them about 30k, no worry for me as I have BR money saved and will just go BR if the g
  13. Really nice take on life wastedmoney, I have thought many times about it, my lodger has just gone bankrupt and it seemed so painless. Have about 90k of debt, secured loan and credit cards and loans etc. I am just waiting for First Plus to raise there head and ask for there 45k back and then I shall go. In rented accom no assets so again what can they have. Probably left with same as you so as you said, three years and it's over. I will look you up on site if I need advice
  14. Oh Duffers Mum, is this little odyssey still continuing ????? Now take a good big chunk of delight out of this. 1. Wright Hazzle were caught with there pant's down telling you a porky pie, if they think they can do it,, what do you think Crapbot do.. BUT THE MOST IMPORTANT THING I SEE ON MAY 21ST 2013 IS THEY STILL HAVE NOT TAKEN YOU TO COURT !!!!!!!!!! SPEAKS VOLUMES TO ME. IF THEY THINK THEY HAD A CASE FOR YOUR HARD EARNED THEY WOULD HAVE BEEN THERE FASTER THAN MR BOLT. I hope there is a little smile on duffers mum's face,
  15. Like the without a CCA from you, I can: Tell you to get stuffed Pay you bugger all ignore your threats until the debt becomes statute barred Put my feet up and have a nice evening Spamhead, can I use this please don't want to infringe your copyright.
  16. I have read this thread and am absoloutely astounded at the way you are worrying. It's the DCA's main weapon, great advice on here.. NO CCA - NO PAY they have admitted as much. Just use the letters has hamster bedding as Boo would say, you are in the driving seat, have some fun with them remember it's costing them money so I would make em pay by wasting there time. If they have not produced the CCA by now you can guarantee it does not exist. So chill out, have some fun and have the template letter or e-mail ready for any low life that thinks he is going to get your money. Write to any DCA
  17. I had two Barclay card accounts, well three actually they bought egg. They have written on all three saying they do not have the CCA's and yes it is un-enforcable but the debt remains, the usual blah de blah, the only way I got them to admit it was under the consumer protection form unfair practices. Now they sold two to Cabot and they had the same response from me, NO CCA NO PAY as for the egg one they have tried four DCA's and exactly the same, sent the letter from Barclays saying sorry no CCA, so told them to bog off which they did quite easily. Cabots last fire of there gun is to threaten
  18. Yes Boo, Have been paying them £5.00 a month started with a £1.00 a month then increased when my situation improved. Never missed a payment, only about £540 left on it. They did send a CCA it looked ok but will give it another glance. I have sent a SAR they have already admitted I paid £124 in PPI which was no blooming good because I was self employed and already had insurance out. They refused a refund so I am going to calculate what they owe when I get the dates with the statutory 8% interest and any late payment fee's. Then offer Arrow a final settlement of probably £100, if they don't
  19. Hi guy's A short while since I posted on here but just to let you know all is well in Hippy land. House was repossessed and sold and made a small profit which went to the second chargee. Now a quick question, I was paying off a Debenhams card only owe £500 now, CCA was the best I have seen so all water tight there. Now I had a letter saying I paid £124.00 in PPI Some years ago, went for a claim but they refused, told them I would get back to them. Santander have now sold this account to Arrow so I have winged off a SAR to Santander to find out what charges etc and PPI are on this acc
  20. oh dear, I have an old egg card which was sold to Barclays, they have sent a letter saying they cannot find agreement and yes they can't enforce etc etc, scanned it and kept it safe. Now they have put three DCA's on the case, each time I just send a copy of the letter to them and whoff off like a ferret up a down spout. So now I can expect Marlins by the sound of it, these bad assess need watching, I have dealings with these clowns over an overdraft, hard core idiots and quick to put you in court, though they have never tried it with me. I have £375 of unfair charges and I keep insisting
  21. Had the same nonsense from these jokers over one of ex Mrs Hippy's account, did the same asked them what piece of legislation gave them the right to stick a thumb up to the high court, guess what no response, NO visit etc etc... they are really joking if they think they can ride rough shot over common law. I am a member of our local British Legion does that give me the right to go and pester people !!!!!!!!!!!!!!!!!! a**holes that's what they are, or shall I say desperate. In My five years of dealing with these idiots all I have ever had is One visit from snotcall a very nice chap called Kevi
  22. Yes, that is quite correct. It makes no sense for them to repossess if you have nothing to give. They will sit back and add charges and interest and penalties and hope that your property will increase. So yes BEWARE, once they know it is worth pursuing you will hear from them.
  23. Nothing surprises me with Barclays First plus, there is the clue in the name, BARCLAYS, now with the LIBOR fixing [problem] this company is going to get hammered, keep your eyes peeled have a look on the First plus forum this is disgruntled First plus borrowers they are looking into legal action against Barclays for the fixing scheme. I had a first plus loan, but after my marriage breakdown I just handed the keys back to the 1st chargee and walked, told First Plus they could whistle for there money, I have my BR money saved and have never been so well off in a way, I have paid my unsecure
  24. Good old Wright Hazzle, they were the Muppets that went to repossess me house after I gave the keys into the BS, they only went to the wrong house !!!!!!!!!!!!!!!!! Duffer's Mum, it's the same old same old, stick by your gun's, they are only sabre rattling. Tell them they are in breech and let a Judge decide if they think they have a case. Time to put this to bed. Tell em, CCA please ( original ) not some Alice in wonderland made up one. No more contact and bye bye. That's my opinion, you have nothing for them to take, so be it. The shout is yours, anyway HAPPY CABOOT FREE NEW YEAR X X
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