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Happyhippy1959

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Everything posted by Happyhippy1959

  1. Silly me, yes u are correct. Up to me neck sorting ex-Mrs Hippyscdebts out.
  2. Grebo A lot depends on the date you took the Credit. if it is pre-2007 they will need the original to enforce in court. I am in a position myself with Cabot who cannot find the original for three of mine and they have written to say that they can't enforce but can demand.. ( Big difference ) Now post 2007 agreements and all that is needed is to link certain evidence to the debtor and bingo CCJ..... i.e statements showing payments and goods purchased is good enough. ( Bankers and DCA's cosying up with Government to change goal post. Now if yours is pre-2007 you must see priority ones Co
  3. Yes they did the same to me. All you have to do is then use the Consumer Protection form unfair practices and request they confirm they hold the original. If not, tough tippy, that's what I did. They told me they had not heard of this ( muppets ) if the agreement is pre - 2007 they will have to produce the original to start court proceedings. ( simples ) Have not heard nothing from them since October when I also used Priority One's Court protocol rules to warn them if they hand it to a DCA they will be in breach of so many regulations. Lets hope I have not upset the apple-cart. Don't give
  4. oh Fred I thought mine was running smoothly have been paying me £1.00 token for nearly three years to Allied and then I get a lovely love letter from Arrow they have bought it... So guess what, off has gone me CCA request, should be interesting..... Have been so busy on other offenders that I forgot I had an Virgin Card... my way was if the original creditor was playing ball I would leave well alone.... now it's time to see what they produce. !!!!!!!!!!! have had a old morgan stanley a barclaycard and a yorkshire bank CC confirmed by Crabot that it is uneforceable because the original canno
  5. Thanks Brig, just what I thought as four companies have now confirmed that they cannot ENFORCE and under English Law that is obtaining a county court order. So pre 2007 agreements must have the original if they go to court. Post 2007 which I have only two is Recon for court but must be WATER TIGHT. Nice to see your well and busy Brig.... quick one again Brig but it does not worry me, ( never want credit again ) if as I am doing now and not paying those who have failed to supply agreements will this stay forever and a day on my credit file. I must point out that I only challenge when the
  6. Brig A quick question to your court and CCA's. I have in writing three letters each for Credit cards sold to Crapbot. It states that due to not being able to supply the original CCA that they cannot enforce in an English court, but that the debt remains and they can blah de blah de blah. Now just to sum or check as I have been away a lot for the past couple of weeks, pre 2007 agreements originals needed for court ???? post 2007 reconstructed will suffice with evidence of expenditure etc. Right or wrong..
  7. A good article, the main thing that stands out for me is this A DCA has no legal powers what so ever. ( simples ) I agree with another point, DCA's and OC's do harrass and phone at work. lucky I had told my colleagues of my divorce and debt problem and it was an emergency hospital line so that stopped that. Also, DCA's tred very lightly once they know you are not going to be pushed around. I have in my possession a numerous collection of faux pas letters ranging from, WE DON'T HAVE TO SEND YOU THE ORIGINAL AGREEMENT OR ANY PROOF...!!!!! To and I admit here hats off to CRABOT, yes your debt i
  8. Afternoon all,,, A very good thread this on the morality ground. !!!!! Agree 100%, when my debts are sold off to Crabot or any other chancer my reply letters always contain, I am not, have never been a customer of yours.!!!! simples as the old adage goes. As for credit rating, stuff it I say,,, I have now done three and half years without credit after my spit with ex Mrs Hippy and have learned to live fine thank you. I have kept my house and have a modest existence due to ................... YOU GREAT GUYS AND GIRLS HERE ON CAG No car, No holidays but my house is warm and the food and
  9. Agree with Fred and high to all my friends here on CAG, Hippy has had a very busy time at his local hospital and all is quiet on the DCA front. Fred is right in my view, I make token payments and have been for three plus years now. But when a greedy company sell on the debt to say Crapbot then the hippy requests the CCA. As most of mine are pre 2007 in fact in the naughty nineties Crapbot has failed to produce one CCA.... so its stop payment and pay the ones that have kept to there side of the bargin... In fact, Crapbot have even written in confirmation that they cannot proceed to court withou
  10. Thanks Broken, this is the first thing I have received.. No NOA or nothing... Well not getting a penny till I know what's going on. Your right, the settlement figure if that is what it is seems very low,,, this makes me rather suspicious that all is not well in Barclay land. 1st. I never had a gold fish card in my life. The one they are talking about is probably a old Morgan Dean Stanley witter or whatever card it was which I took out in the mid-nighties and then barclaycard bought them.. so they will have to produce a CCA for that bad boy.. the other is a Barclaycard I had in the early 0
  11. Thanks Citizen B No the total amount is more than £1700.00 that's what surprises me... Unless its as it says a settlement figure. Yes will ask for DOA and request a copy of my CCA,,, should be interesting they are still awaiting YB's
  12. Hi Guys and Girls Knew some thing would come along in Hippy land to muck what is so far all good in the Hippy's world. To cut to the chase have today received two letters from Cabot for two old barclaycard accounts one was an old morgan stanley the other an ordinary Barclaycard. Have been paying them a £1.00 for three years nearly. Now cabot come up with letter saying they have agreed blah de blah ( see attached.) Plan of action on this hope you all agree is 1. Request from Cabot deed of assignment ???? 2. Request from Cabot CCA.... 3. Cancel Barclays Standing o
  13. Well said Count,,, I have myself to blame for me debts as much as the financial institutions who lent me the money. I am lucky I am in work in a job I enjoy,,, Sorry to all those financial institutions but hey they were grabbing massive bonuses that i could only dream off. Also when they went pear shaped along came the public purse to pay them and keep them in a life style I could only dream off. i am not going to let those figgers take every penny I have worked hard for now I am in a position ( yes fault of my own ) but if you commit a crime you do the time then are let free to become or
  14. oh damn, well LostatSea you would think in this day and age as citizen say's a press of a button and hey presto here you go hippy..... Well lets see what a DJ say's if they go to court.......and remember those guys and girls at Argoose don't know what CPUTR is,, look at Hippys thread vs Freds ,,,, so no hope of them knowing the pre court protocol is there.!!!!!!! Well wait for big bad SB debt collectors,, give Crapbot there due least they admit they have no leg to stand on.... ( I know sticking up for a DCA ) you guys must have beaten them senseless they know an unenforceable one wh
  15. She moved from the address she took the card out had a letter back with gone away on it.... Never mind.... No I have a sneaky feeling from an insider at argoose that like many financial institutions they destroyed stuff after six years not even bothering to micro fiche it as it would cost too much,,, in my Hippy days in financial institutions I can assure you that it happened...!!!!!!!!!! then for some reason after 2006 -2007 when you guys starting hitting them under consumer law guess what, they got the goal posts moved to any agreements post 2007 don't need original and they now outsource a
  16. Thanks citizen B I have done just as you suggested. and have also used priority 1's CPUTR Letter, the last time the muppet from Argos had not heard of it. What they send is todays terms and conditions I have asked before under CPUTR for a copy of my original... and have now asked them to again send a copy as they did for the poor lady who's stuff I got. They have not got it, it is as simple as that. I have told them they will need to produce if they go for judgement so lets see what they say and the DJ will not be too happy they have been so obnoxious with me....
  17. Thanks citizen B I have done just as you suggested. and have also used priority 1's CPUTR Letter, the last time the muppet from Argos had not heard of it. What they send is todays terms and conditions I have asked before under CPUTR for a copy of my original... and have now asked them to again send a copy as they did for the poor lady who's stuff I got. They have not got it, it is as simple as that. I have told them they will need to produce if they go for judgement so lets see what they say and the DJ will not be too happy they have been so obnoxious with me....
  18. Well guy's it's official. I am not allowed to look at my original agreement I signed. That's official sent by Argos. Yet they sent me someone else's, why is she allowed to look at hers at me not at mine...... Mrs X who they sent to me by mistake has her original credit agreement all her details etc,, that is off to Data Protection Commission is it because they have it as it was taken out in 2006, I could even have told you what store she took it out in, her bank details her marital status I can go on. They may have fulfilled the section of what they say they filled but it is just a b
  19. it would give me great pleasure to say SB my babies so now foxtrot Oscar to your nearest slimy rock... but I expect they will pull out an imaginary payment from somewhere. The fun never ends with these leeches...
  20. yep I am waiting with baited breath at the door now p1,,,, only Cabot today spouting the usual smoke and mirrors stuff about yes they can't enforce but as I paid £2.00 on it till I saw the interest rate they think they may have a case without the CCA, told em to do there best.... and also told em if they found it I would not pay it as it is not worth it,,,, oh you can't do that Hippy they say,,,, prats,,, and also the I am obligated to pay malarkey blah de blah de blah,, gave em one of Bazooka Boo's endings, this is my last correspondence with you its my dad can p higher than your dad etc etc
  21. Welcome back Brig nice to see your still at the helm.
  22. defo LostAtsea, thought they had taken out the main man at one point. Thought he was not around to enjoy the fruits of my winning battles at the moment....
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