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Timsta

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About Timsta

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  1. I forgot to mention; one of the liability orders had already been paid off. I told him this, however he said his records indicated other wise, and levied and charged on that order anyway. Grrr.
  2. We had some council tax liability orders and the council wouldn't accept out payment arrangement. We paid them anyway by bank transfer, however they still set the bailiffs on us. Not happy with the way the bailiffs acted, the CT has now been fully paid off and I'm after the bailiffs. Can anyone point out where they have made errors? I know some fees are wrong, and I can sort that, I'm looking more at the procedural errors. (I have bolded what I think is out of order.) Following is a bulleted list of what happened: Were paying £30 to council per week. (on average 130/mont
  3. For the DCA to be able to add any charges, there would need to be a specific clause to that effect in the original agreement. That is; a clause which allows a DCA to add charges, not the original creditor. However, if the agreement is unenforceable, that is a mute point. Tim
  4. If it ever goes to court they would need the agreement, your payments wouldn't even enter into it.
  5. Always, always, always send a CCA. You'd be amazed how few are actuallt enforceable. Have a look at my recent surprise: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/136568-your-agreement-um-we.html That was for over £3000. I've been waiting a few months for Thames Credit to come back to me on a CCA for over £10,000. Highly unlikely they have that either. Again .... Always, always, always CCA.
  6. My wife just had a very interesting phone call from Welcome Finance. We CCA'd them in mid Dec '07, they defaulted 6th Jan '08. After defaulting they sent through half an agreement, with the T&C's cut off the bottom. Well, today they called to ask about payment. We advised them that they haven't complied with the CCA as the T&C were cut off the bottom. After a lot of coercing, the muppet claimed that they weren't legally required to keep the originals. I think Companies House may disagree. He said, even if we wanted a copy of the full agreement they couldn't do it
  7. Thank's Ben, that's the one I was looking for!
  8. A bit of trouble with Capital One. We CCA'd them, and the 12 days expired on 25 February. On 17 March we recieved a Generic letter On the rear of the page is a standard blank agreement. This was clearly just a mail merge of a standard form. Today we received a default notice, while they are clearly in default of the CCA. I know trading standards is the next move, but is there a nice "CB" scary letter I can send them? Is there perhaps some nice threats to throw their way? Ta
  9. No, they can't send bailiffs, they would need to go to court first. And if they do go to court, they would need to produce..... wait for it.......... Yep, the CCA they can't find.
  10. The very best way is a SAR to the agency. That'll get you everything, not just their report.
  11. Hi all, I've received the credit agreement from my wife's HSBC Managed Loan. It has all the prescribed terms, was signed by the bank the day before we signed it, however, I have thrown the numbers at DUAL CALC and they don't add up. This is what the Agreement has: Loan amount: £1150 Interest per annum: 10.75% (APR 11.3) Initial payment: £17.70 94 further payments at £18.04 per month. Now, Dual Calc works out the following: Nominal Percentage Rate: 11.01% Effective Percentage Rate: 11.58% (is this basically the APR?) APR: 11.6% So, being that they
  12. Yep, I know that now, but at the time I was under a lot of stress. It was the worst thing I could have been threatened with. Being threatened with separation from your family is downright evil. The debt has only just started to be chased again this week, after about 4 years of peace. However, this time I'm more than ready for them. They're going to wish they had got a real job instead!
  13. I've had a DCA threaten to try to have me deported, knowing I had a young family.
  14. We never got as far as court, HSBC sold it before we filed. Grrrr.
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