Mike hawk Correct.... they hid behind the old"cant do anything as you did not supply a signature" bullshine.Then Hamptons/Lowells said they would send on when capone released it........Guess what...still waiting....!!

Ford This is still at "their" claim stage,no judgment has yet been made.........that will happen tomorrow..They have been refusing to give me any info for the last 3 months or so Does that answer your query?

Ford... Credit card debt started in April 04,heart attack 2005,end stage renal failure 2006/7, Atrial Fibrillation and heart disease also, Peritoneal Dialysis,Haemodialysis 2008,followed by various bouts of pericarditis and pneumonia left me with small airways disease,had a cadaveric renal transplant 2011,then type 2 diabetes. Never worked through this period and was preoccupied with trying to get better,although told them over the phone about the heart attack early doors.Just continued to get the threatening letters ,until the serving of the Statutory demand and threat of Bankrupting me. Have applied to set aside.....and the hearing is tomorrow.

Appreciated Up2 me ears.....

Appreciated Up2 me ears.....

Thanks a lot for your input Ford.......

Hi CAG Anyone have any advice reference how to behave at my court hearing to have the Stat demand set aside tomorrow? Or anybody already experienced this and has any words of warning? Would be much appreciated.....

Uncle bulgaria Statutory demand for bankruptcy issued by Howells/capone etc, have applied to have this set aside but have been requesting information from them for the last 3 months and,surprisingly they have been nothing but obstructive.Small piece of info recieved on Sat after 3 months, but dont help me much as I am in court for the hearing tomorrow

Hi CAG, just got sar reply after two x of asking. 3months!!! Agreement taken out in 2004 with Capone,stating I was self employed,but does the fact it was taken out prior to 2005 FSA rules mean I cannot claim? Thanks in advance for any advice

Thanks again 42man and Citizen b

Hi 42man Today received reply to my second subject access request under data protection act 1998........"as we have previously advised you,we are unable to review your request as the signature you provided us with did not match our records.Under DPA 1998 sect 7 subsection 3a we are obliged to verify the identity of each requestor.I apologise if this is causing you any inconvenience. As you will appreciate,we owe our customers duty of confidentiality and therefore we are unable to disclose personal information unless we can confirm receipt of an appropriate form of authority.We feel this is a reasonable request and that it is a necessary,basic requirement in order to avoid a breach of regulatory and data protection duties owed to our customers. In order foor us to provide you with the requested information,please write to me again together with a copy of your signature or a copy of documentsshowing your current signature(this could be a driving licence or passport) at this address xxxxxxxxxxxxxx xxxxxxxxxxxx xxxxxxxx xxxxx NG2 3HX We acknowledge receipt of a £10 fee required by the DPA1998 Please note that the 40 day time limitto provide you with the SAR does not start to run until we receive the correct documentation Liam Quegan Head of Executive response Centre This all seems like infantile tit for tat,is there any thing that can be done to get them to release the information as originally requested,or do I have to jump through their hoops?

Hi citizenB Would it be too late to mention it in court? Was hoping to mention a few things when in court,or does it not work that way?

hi Andy the 40 days ran out on 7th August........ Have sent a recorded delivery letter asking for the requested information immediately....I wont hold my breath!!!

Hi CAG Just recieved reply to my SAR from capone.Cannot review my request as my signature does not match their records.I DID NOT SIGN IT YOU MORON!!!! They want me to send a copy of d/licence or passport, and say the 40 day time limit does not start to run "UNTIL WE RECIEVE THE CORRECT DOCUMENTATION". All this does is make me want to be as irritating and irksome as they are,but I dont want to sink to the level of these **** sucking pond lifes, so advice would be appreciated,as usual! Also got a court date for 26/10/12,any advice on what papers I need to prepare? Thanks in anticipation....

Hi all just recieved this from USA and thought it may give everyone a laugh on here.............. Cancel your credit card before you die. Be sure and cancel your credit cards before you die! This is so priceless, and so easy to see happening , customer service being what it is today. A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to Citibank. Here is the exchange : Family Member: 'I am calling to tell you she died back in January.' Citibank : 'The account was never closed and the late fees and charges still apply.' Family Member : 'Maybe you should turn it over to collections.' Citibank : 'Since it is two months past due, it already has been.' Family Member : 'So, what will they do when they find out she is dead?' Citibank : 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member : 'Do you think God will be mad at her? ' Citibank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Citibank : 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member : 'I'm calling to tell you, she died back in January with a $0 balance.' Citibank : 'The account was never closed and late fees and charges still apply.' Family Member : 'You mean you want to collect from her estate?' Citibank : (Stammer) 'Are you her lawyer?' Family Member : 'No, I'm her great nephew.' (Lawyer info was given) Citibank: 'Could you fax us a certificate of death?' Family Member : 'Sure.' (Fax number was given) After they get the fax : Citibank : 'Our system just isn't setup for death. I don't know what more I can do to help.' Family Member : 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care.' Citibank: 'Well, the late fees and charges will still apply.' (What is wrong with these people?!?) Family Member : 'Would you like her new billing address?' Citibank : 'That might help....' Family Member : ' Odessa Memorial Cemetery , Highway 129, Plot Number 69.' Citibank : 'Sir, that's a cemetery!' Family Member : 'And what do you do with dead people on your planet???' (Priceless!!) And you wondered why Citibank needed help

Thanks.....

Hi all, 41 days today since capone recieved SAR and no reply. What relevance does this have? Thanks

Hi CAG Another letter from Hamptons Legal this morning, it has 3 main headings...... We have requested a copy of your credit agreement They have asked capone for a copy We will reply as soon as we can Will do their best to reply within 12 working days.....(SAR was recieved by capone on 27th June so must reply to me by 6th August under 40 day rule) We're here to help If I have any more questions they will be pleased to help...... Flipping Blink!! Big change in their tone....would this be so they can show the court how nice they are???????

Thanks for the prompt clarification Andy

I called court helpline this morning and was told that there was nothing to be done until a judge looks at the case? if thats so what is the point in telling that to Hamptons?

Thanks for the that Andyorch, I wasnt aware....... Do I contact the court in writing or by phone?

What , see if the court have sent a copy of my set aside application to Hamptons?Even though Hamptons lowells etc are all at the same address?How would that help me?

citizenB,short answer is YES

Hi 42man/CAG Recieved another threatening letter from Hamptons Legal representing lowell Financial/lowells Portfolio. It mentions an Official reciever,and that they would be prepared to accept a discounted settlement of 20% if i pay by the end of July or pay 25% followed by monthly instalments.If I fail to resolve this matter they will shortly petition for my bankruptcy.Signed S H Head of legal compliance.

Hi CAG CAPONE sent letter saying will not refund default sums added to the account in the last six years and will robustly defend their entitlement to these charges and that FSA rules require them to make me aware this is the final response and that I have six months from the date of the letter to refer it to the F O S Any comments would be welcome. Thanks PS they have not yet responded to the SAR