i filed an N1 with the county court for non compliance plus damages. they filed that they were going to defend but couple days after i got a letter saying that they would sent me every statement on my account and pay my damages in full if i drop the case with no liability to any party. i agreed and now have all of my statements.

probably a stupid question but when you are filling in the statement balance cell from the complex credit card calc spreadsheet, do you enter the number as a negative or positive. with regards to credit cards, is the number a negative because you owe them; it is a debt. advice would be appreciated as the outcomes are significantly different. thanks, pete

with regards to the agreement in question, this is an agreement between Egg and myself, and is currently in dispute. Egg are in breach of the Consumer Credit Act 1974 (sections 77 - 79) by failing to respond to my written request (insert details of request date etc) and, as a period of 12 days plus a month has expired, the agreement is unenforceable and Egg have committed an offense.

do i write a letter asking the court to order argos to comply when i file for judgement in default?

can anyone shed some light on this please? just a little twitchy. ive heard nothing at all

also recieved a letter from bls threatening court action in relation to my credit card. they have the cheek to say that it is because i have not replied. yet again ill reply, just like all the other times.

sorry, tuesday.

help please, argos have not responded to my court case and they have to of submitted a reply by this monday 25th. i am taking them over non compliance of my SAR? what happens next? i file for judgement in default then what happens regarding getting the answers to my SAR? i hope someone can help me on this, please.

recieved a letter of buchanan clark & wells about my loan with lloyds. they like there scare tactics, writing the letter like a solicitors and stating "unless you make arrangements to settle in 72 hours, our agent may attend your premises" why dont Lloyds just give me a copy of my agreement? surely its got to be easier than this.

Moorcroft replied today. Dear mr nfi247 re: argos card i write in response to your recent dispute in relation to the above account and can confirm we have been in contact with argos card who have advised us that they have dealt with your letters accordingly and are not in breach of contract. i trust the above response has now resolved your dispute. i can confirm i have placed your account on hold untill 25 sept 07 and request you make immediate contact with our call centre on the above number to discuss a repayment proposal you can afford and maintain. however if you are unhappy with the information provided please contact us by return (or in any event prior to the above date) Moorcroft so a couple of questions to all, the date that argos must reply to my court case for non compliance of SAR is 25 sept 07 - could this have anything to do with it? and are moorcroft allowed to handle this if my creditor is argos? surely its a data protection breach? possibly?

14/9/07 - lloyds replied with the standard letter in reply to bank charges saying they are fair etc and included about the test case and oft ruling about putting of cases till the decision. i haven't received a single letter from lloyds that was not a standard computer made template letter. Just another to add to the pile.

we're a funny lot like that, how we feel pleased at the news we have ran our account badly; yet saddened at the news that we ran it correctly. (lol) Have you checked if they have a properly executed credit agreement? if not then there might be a chance that the agreement is unenforceable at law. Just a thought, and sorry if its old news.

Appriciated.

the British Bankers Association is responsible for all dormant and lost accounts. the banking code (which all most all banks sign to adhere to) deals with this issue; "dormant and lost accounts, and unclaimed assets 9.16 if you have money in a dormant account, it will always be your property ... no matter how many years pass 9.17 if you ask us, we will tell you how to access these accounts either directly, or via the british bankers association there website has the appropriate leaflets and claim forms.

Hi madmax & indigo im taking argos to court over non compliance of my SAR. they are being extremely vague over my charges. good luck to both