Jump to content

LISAM696969

Registered Users

Change your profile picture
  • Posts

    252
  • Joined

  • Last visited

Everything posted by LISAM696969

  1. Has This Come Out And If So Can Anyone Look At It And See What They Think Not Doing Great With Photobucket So Not Sure !!!
  2. if anyone else can post it, i would really appreciate it if you send me a personal e-mail i can e-mail it but I have tried every which way but lose to post it on here photobucket etc etc and it just won't have it help !!!
  3. hi i am having similar problems with 1st credit , they sent me a cca but no signature from the creditor on it and no statement of account or deed of assignment or cancellation rights , i believe this is an unenforceable agreement if anyone can confirm that i'd appreciate it , but 1st credit will no longer correspond with me they say matter passed to their solicitors and they won't write back after i have told them it is unenforceable also they have not fully complied with S.A.R , I have now reported them to information commisioner and to F.O.S , how long does it take to get a response and can anyone advise on the above , seems to be plenty of experts watching here !! thanks , lisam
  4. Any Other Ideas On Wah Tto Say To Them ? Any Help Greatly Appreciated , Thanks Josie Will Do That Today !
  5. sent of a CCA request to 1st credit they have sent back an application form signed by me but not by the creditors , also i have sent of an S.A.R request and all that has come back is a printout of my letters and the account running totals and payments , no default notice or deed of assignment nothing at all apart from this printout , sent a default notice but can anyone tell me if i am correct in doing so , and also what i actually should ahve , is CCA valid and what else should i have for S.A.R , many thanks lisa
  6. Not To Rain On Yuor pArade But I Think You Are Correct That They Should hAve Asked First This Is Only Logical , But The Actual Price You Have Been Qouted Is A Fair Price For The Work Done And Parts , Wheel Cylinders Are A PaIn And Can Take A While To Get In And Out Also Flexi Hoses It Is Not Just A Matter Of Fitting New Ones Usually Wheels Of F , Old Hose Removed , Brake Pipe Clamped Of , New Hose Fitted , Brake Fluid Re-filled And Then The Braking System Is To Bleed Which Takes Two People One In Car One Bleeding Braked This Usually Requires All Wheels To Be Of As They Have To Be Bled In A Certain Way , I Do Think That If It Is 4 Hours Labour This Is A Reasonable Length Of Time But The Charge Per Hour Seems To Be £42.75 Per Hour Plus Vat Which Is £50.00 Per Hour If This Is An Independant Garage It Seems Very High , I Work For One And We Charge £25.00 Per Hour , Parts Would Have Been The Same But Again I Must Agree We Would Have Replaced Cat With A Non-genuine One Rather Than Welding It But Looking At The Hours Again It Looks Like He Has Only Put About 1.5 Hours Laboour Into Cat Welding So £75.00 Which A New One Would Probably Be About £100-£140 But Again You Should Have Been Given The Option , So Work Probably Not Overcharged But Not Enough Consultation With You , Good Luck Lisa ,
  7. Think You've Got Away With It Lightly To Be Honest All Whell And Hub Has To Comeof And Sensor Is A Real Horror To Fit So Two Hours Not Out Of Way In My Opinion But That Is All It Is An Opinion Good Luck
  8. Hi me and my other half run a small taxi firm and had an isdn phone system on lease from one company , another called global arrived and offered us a better deal and said that they would pay of our existing lease , which turned out to be £6000 , we said yes signed up , they installed new system took old one away then refused to pay anything , eventually offered us £1000 to go away we refused then nothing won't answer our letters etc , we can't afford a solicitor , they also tampered with agreement after we signed it as our copy has nothing on it about a settlement figure whereas there's says £1000 written in ink on a second copy , i'm sure this is fraud but don't know enough to sort all this out , please can someone help me desperate now we are paying for both leases as leasing company say its nothing to do with them which it isn't and if we stop paying they'll take us to court can't afford this much longer please can anyone help desperate !!!!
  9. Hi me and my other half run a small taxi firm and had an isdn phone system on lease from one company , another called global arrived and offered us a better deal and said that they would pay of our existing lease , which turned out to be £6000 , we said yes signed up , they installed new system took old one away then refused to pay anything , eventually offered us £1000 to go away we refused then nothing won't answer our letters etc , we can't afford a solicitor , they also tampered with agreement after we signed it as our copy has nothing on it about a settlement figure whereas there's says £1000 written in ink on a second copy , i'm sure this is fraud but don't know enough to sort all this out , please can someone help me desperate now we are paying for both leases as leasing company say its nothing to do with them which it isn't and if we stop paying they'll take us to court can't afford this much longer please can anyone help desperate !!!!
  10. hi they have written back saying that it is and can i tell them why it is not a valid agreement , so i wrote back nad told them it was up to them to prove it was a valid agreement not me to tell them why it wasn't , also sent an S.A.R , does this sound okay any help really would be appreciated any better letters etc to write , oh and they refused offer of 33% !!!
  11. No Letter Sent Without Prejudice And Admitting No Liabiltiy Merely Offering It As A Gesture Of Goodwill , So The Letter Cannot Be Used By Them Anyway But I Clearly Stated On It That I Admit No Liabilty !
  12. Well I Faxed Them Letter This Morning Telling Them That Even If The Application Form Is A Creidt Agreement As They Say It Is , There Are Still Several Parts Of The Form That Do Not Stand Up To Scrutiny , I Have However Offered Them 33% Of The Alleged Debt As A Gesture Of Goodwill If They Agree To Remove Their Entry On Credit Files Immediately , So I'll See What Occurs The Letter Was Sent Without Prejudice Plasterd All Over It And I Admit No Liability And This Letter Cannot Be Copied Or Used In Any Action Etc Etc , And Also That I Will Vigorously Defend Any Action They Take , Which I Will , But Got Settlement From Lloydstsb For Bank Charges This Morning And If I Can Get This Default Of My Record Sooner Rather Than Later Then It'll Mean A Clean Slate ! Even Though It'll Mean Lloyds Paying Tham Of And The Fact That Over 50% Of Thedebt Is Charges Which I Am Trying To Reclai Mat The Minute From Citi , Does This Have Any Impact By The Way ?
  13. got cheque this morning for £2005.09 will make a donation as soon as its cleared thanks so much guys and to add to this been writing to natwest for my other half and got a letter of settlement in full for £910 after only two letters and three weeks , so pleased and again thanks so much to evryone on here now of to debt forum to sort out my 1st credit and littlewoods problems wish me luck !!!!
  14. help 1st credit have sent me an agreement or so they say it is a credit application form and has no signature from them in the sigend on behalf of bank so i have sent a letter back saying not what i asked for try again kind of thing can anyone halp please !!!!
  15. Many Thanks , Sc&m Now Say They Have Not Received The Acceptance Letter That Was Faxed To Their Office Twice And Received By Their Office Registered Next Day Delivery On 7th June , So Have Asked Me To Fax A Copy Again Luckily I Saved A Copy Of Letter They Now Say They Have Got It And Will Send A Cheque Within 5-10 Days , Here's Fingers Crossed !!!
  16. got a letter yesterday telling me they had enclosed a copy of my application form as requested , so i had a look and it is a copy of my application form clearly states at the top application form for associates visa , has my signature on it but box for bank signature is blank no signature and according to a legal eagle freind a few other things that make it not a cca or not enforceable but i know a few people on here have had application forms and that they are legit so any advice appreciated , have sent them a letter telling them that this is not what i asked for under cca request and that it is not a properly executed copy of my agreement any further help be appreciated , thanks the fight go's on , lisa
  17. Thanks And Yes I Sent Draft Directions After The Defence But Haven't Saved Them On Computer And Not Got A Scanner , But If You Type In Draft Directions To Search Engine At Top Of Lloyds Forum It Brings Them Up And Good Luck . Tried Pm'ing Mods But All Inbox's Seem To Be Full !
  18. Hi Please Can Someone Help With Getting This Thread Moved To Success's Many Thanks Lisa , Still No Cheque !!!!
  19. thats great thanks very much , will be sticking around as i am in the process of fighting it out with littlewoods to remove a default that they admit i don't or haven't ever owed any money on good eh !!!
  20. thanks for that and also connaught is owned by 1st crdit , but citi have nothing to do with debt any longer as sold to 1st credit four years ago not collected on behalf of , so citi have had their money from 1st credit .
  21. Josie8 what do you mean by common law , and also no it is from 1st credit not connaught stopped hearing from connaught now , so hopefully an end but do you think i should try to get in writing this is final case closed ?
  22. Yes victory I think , got a letter this morning as follows , Dear Miss Lisam696969 , Re : Complaint 1st Credit ref:****** Account The Associates a/c no ******* Thank you for your faxed letter of the 13th June 2007 . We have contacted our client again for a copy of the agreement but as they are unable to provide us with an immediate copy , we have marked our files accordingly and have requested that the credit reference agencys remove our entry . We are aware that we are unable at this stage to enforce the debt in a court of law . However we still invite you to make an offer of repayment. yours sincerely , complaints officer. do i leave it there or ask for written confirmation that the matter is closed so they can't come after me at some later time any help be appreciated .
  23. JUST GOT THIS LETTER THIS MORNING WHAT NOW , Dear Miss Lisam696969 , thank you for you rrecent enquiry regarding your credit file and inforamtion on it . the entry recorded is an indicator of how you conducted your account . The account is recorded as defaulted as payments were not received in accordance with our terms and conditions of trading . The absence of a signed agreement does not mean that the debt does not exist , merely that it cannot be enforced . the recording of customer payment information with a Credit Reference Agency is not related to the legal requirement to serve a statutory default notice on a customer under the CCA i.e a payment default recorded on their file does not link to a statutory default notice . Please note that this company is a member of credit account information services (CAIS) which is a database administered by Experian ltd to which lenders , including ourselves contribute information whether the account has been conducted within accepted terms or not . We also advise all of our customers within the info pages of our catalogue etc that we register info about them with the CRA'S . this rubric foprms part of our terms and by trading with us you have deemed to agree those terms . We can confirm that the file has already been updated to record that you satisfied the account and that no further information regarding this account has been exchanged with the CRA'S since this satisfaction was added to the default , but the information exchanged does remain registered for six years. they are saying they have no agreement but they are going to carry on exactly as they want so what now any help appreciated.
×
×
  • Create New...