Jump to content

marc4620

Registered Users

Change your profile picture
  • Content Count

    17
  • Joined

  • Last visited

Community Reputation

1 Neutral

About marc4620

  • Rank
    Basic Account Holder
  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hi Dx Thanks for the reply. Is the period you are talking about, the period of the 6 years the information is stored on your file? Or is it the period when the entry was made? If its when the entry is made then what time length do these creditors have to keep the CCA? Can they legally destroy it once the default has been entered? For example, if I ask the credit card company for my CCA from 2005 will they still have it / are they obliged to keep it? If not, what then? Is the onus on them to prove there was one in existence in 2005 or is it on me to prove they didn't?
  4. I have read through some posts on here and am a little confused:confused: I have a default on my credit file for a credit card dating back to 2005. Have I read it correct; if I request the original signed credit agreement from the company and they cannot provide it within 30 days then they should not continue processing data about me? The default has to be removed from my credit file? Even though it was satisfied 4 years ago? Or am I confusing it with something entireley different? Sometimes too much information can make my head hurt:lol:
  5. Thanks for the responses. I acknowledge the debt; I was just concerened about the CCJ and if it was me or the company that got it. The question about being served a default notice is an attempt at me delaying the CCJ. I think I will write to the company explaining my situation and ask them not to proceed with the issue of the CCJ whilst I attempt to pay the debt off. Thanks again. Marc
  6. Hi, thanks for the reply, My company was a limited company and it was my name that I used with the marketing company. I didn't sign anything but did agree to the campaign by email and a telephone call. I am the managing director and my wife was named as the secretary. There were no staff as my wife and I were providing the product which was an educational service. In relation to the court documents I can't upload them as I don't have a scanner but I will duplicate the text on this message.... It is a claim form completed via Money Claim Online, Northampton County Court. Issued o
  7. I recently set up a business (all above board, etc) and contacted a well known 'industry related' marketing company to place a relevant advert. I paid £700 to them for an initial advert and foolishly agreed, via email, to take out a 12 month marketing campaign with them costing £250 per month. I paid for the first 2 months but my business was not a success and I had no customers, still haven't. All this money came out of my own pocket. Anyway, I explained this to the marketing company who left me alone for a few months and they removed my advert from their publication (fair enough) howeve
  8. Thanks for the replies. To say I'm not happy with St Helens is an understatement! I'm not happy about paying for something that I haven't got because, like in the first 2 months, nothing was getting done. Since my payments stopped there has been some activity but not a lot. Once again, thanks Marc
  9. Apparently so. The total amount was provided to St Helens Glass.
  10. In August 2006 I signed a contract with St Helens Glass for a conservatory. The finance was coming through GE Money on an unsecure basis. To prevent boring you with all the details I will tell you that the conservatory is still not finished! The main body and framework is completed but the insides are not. The electrician and plasterer need to come out to complete. I have entered into communication with St Helens Glass and they just ignore me. I have spoken to GE Money too and they are investigating. It is my belief that they are jointly liable (but for what?). As a result of not hav
  11. Bankfodder I got the idea when I was reading through other posts on the forum. I pinched it from a post that lueeze started regarding her other half not knowing what a debt was about. alanfromderby posted the advice, I think he picked it up from the debthelpuk forum. Do you think it is a bad idea? What I was thinking was if they provide a copy of the credit agreement then I could send the DPA request. If they don't then challenge the legality in enforcing the debt. What do you think? Ive 'cut and paste' the letter I used (its below). Marc I do not ackn
  12. Last year I had a CitiCard credit card with a £250 limit. I was making regular purchases and paying it off each month. One month I missed a payment and they charged me. This took me over limit and I was charged again. Now, without making purchases with the card nor making any payment the debt is a staggering £850+. I refused to pay and eventually the debt was passed to Direct Legal & Collections. I wrote to them stating I didn't acknowledge a debt to their company and requested a copy of the credit agreement and sent £1 in payment. I haven't heard from them yet and they have anot
  13. The only written evidence was on my file that they have kept. Whilst there for the consultation I saw written on the front in handwritten red pen 'stamp duty exempt'. As I recall it was written on a page which included my contact details and the purchase address. No, there isn't any judgement entered and although threatened there has been no court action. What if I write to the debt collection agency stating that I do not recognise any debt with their company and request a copy of the signed agreement? Or am I getting confused? Would the 'promise note' constitute a credit agreement?
×
×
  • Create New...