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Everything posted by gill5blue

  1. Hi, Yes, by instalments, no costs. J mentioned Tomlin Order and validity of agreement in same sentence. I really think the Tomlin Order was our best option, it could have been a lot more expensive. Well I'm off for some peaceful sleep, but I will back on tomorrow Gill
  2. Tomlinson order agreed ( only 2/3 of debt to be paid) and taking the judges comments in to account, I consider we got a good deal. Gill
  3. Hi, postman has been and no letter of discontinuance . Off to court we go then Gill
  4. Thankyou Andy That was what I was thinking 50/50 Then, rather then risk more court costs prob settle before we go in. I have 2 more chances, letter of discontinuance to arrive Monday, and them not turning up at court. Hi dx I have 25 sheets aprox of what they call executed terms and conditions supplied later, but each time I ask them I get different versions Gill
  5. hi dx, I don't think I can receive messages It says I have 0 out of 0 left- I don't have any messages in there Gill
  6. 1.1 we will decide credit limit etc 1.2 we will charge interest as follows etc 1.3 we will apply the interest rates etc 1.4 we will send you a monthly statement etc 1.5 If you make a transaction in foreign currency etc 1.6 You must also pay the following charges etc... we may change these and introduce new charges at any time by giving you notice under condition 8.2 I have to type this info out as I cannot upload Gill
  7. Hi Ford, (taken from post 140) On the back of the application form, there are terms and conditions numbered 1 to 1.6 and referencing a term and condition 8.2. this term (8.2) is referred to but not on the back of the application form. hth Gill
  8. Hi I think I understand now DX Ford, they have supplied a copy of the original signed application form Gill
  9. I seem to have run out of moves and time. There does not seem to be anything apart from 'term and condition 8.2' that they have failed on, from what I can understand. And is that enough for the judge to dismiss their claim? I think that is a bit thin. Gill
  10. Yes Ford, I did send a cpr 31.14 request. I'm at a wedding tomorrow for most of the day, I was hoping to have it sorted today but hope to catch up on my mobile. Andy said he would get back to me I don't really want to go court Monday, I had to pay the court costs last time, and don't want to repeat that. So I may have to give in and pay Gill
  11. hi Ford, Yes, I have Aug 2013 and again Feb 2015 Gill
  12. Sabresheep These letters were before 01/04/2014, that is when the oft closed Gill
  13. Hi Andy, 14 letters in total it is the 'no acknowledgement letter' "Request for true copy of Credit Agreement under Sections 77/78 of the Consumer Credit Act 1974 This account is in official dispute Thank you for your letter dated april 2009 in response to the request of the copy of the Credit Agreement. My complaint is that you still have not supplied the information requested in said act and therefore are in default, your response did not supply me with a copy of the Consumer Credit Agreement as requested. I assume that as you did not enclose one, you do not have one. I DO NOT ACKNOWLEDGE THAT I OWE CREDIT CARD SERVICES ANY MONEY. You are Licensed and Regulated by the Office of Fair Trading. As you are now in default NO further action can be taken on this account until such a time as the copy of the original SIGNED EXECUTED documents are made available to me. I look forward to your final decision on this complaint within 14 days. This should include your proposed actions in relation to the lack of a consumer credit agreement. I am also writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have verbally requested that these stop, but I am still receiving calls. I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine." Gill
  14. Hi Andy, Yes, I have a copy of each letter and proof of posting attached to it Gill
  15. Not true. I requested a copy of the consumer agreement in March 2009 and repeatedly until we got to court. Gill
  16. ok Andy, I have to go out soon but I will be back on later, hearing is Monday Gill
  17. hi Andy 1st credit sent it It is for the whole amount Gill
  18. Hi Andy, Sorry the last sums of arrears was june 2014 (not may) Gill
  19. Hi Andy, even though they state that about the sums of arrears, I have received them. now confused Gill
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