michaelinwiltshire
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ACE Catalouge and a default on my CRA file
michaelinwiltshire replied to michaelinwiltshire's topic in Mail order catalogues
sorry to hear that fletch So do I have a leg to stand on??? no way I can remove this default -
ACE Catalouge and a default on my CRA file
michaelinwiltshire replied to michaelinwiltshire's topic in Mail order catalogues
ok should it not be noted in the account transactions or account summary list are they not required to provide a credit agreement. The account was listed at old address, attempted to get into payment arrangement but to an end they wouldnt set it up on my payment date. However even with redirection I did not recieve a default notice. Transactions 20/11/12 Invoice £87.94 24/11/12 Invoice £71.95 24/11/12 Payment £17.00 26/11/12 Invoice £9.99 26/11/12 Invoice £83.89 27/12/13 Service Charge £3.16 27/12/13 Default Sum £20.00 24/01/13 Service Charge £11.59 24/01/13 Default Sum £12.00 14/03/13 Service Charge £7.29 14/03/13 Default Sum £12.00 11/04/13 Service Charge £7.51 27/04/13 Payment £30.00 09/05/13 Service Charge £7.72 One of the invoices I had disputed as all the products did not arrive, Just looking for best way forward. -
Hello can any one provide some advice: Ace Catalouge Default they state issued 08.06.13 not recieved by myself. Outstanidng balance £288.04. I wrote to them on 27th of August, they wrote back to me on the 4th September stating the default was valid and issued 08/06/13 and to send in £10.00 for the file. Completed this today I have recieved the data protection summary they state I would have agreed to terms and conditions when opening an account online and had view of a credit agreement thus they can not send a signed credit agreement. In the account notes for the year there is no entry on the 08.06.13 to sugest a default notice has been issued. There is an entry on the 4th September 13 which states "sent copy of default noticed issued 08.06.2013) the copy of the default notice I recieved was a general one not specific to me" Can you advise on the best way forward.
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Thats great is there any particular argument I need to make on the application. As the judge may say that I had agreed to pay the amount and it has taken a series of months to take this action.
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I am new to the forum sorry if I have posted in the wrong area. This one may sound a bit different We saught veteniary treatment for our dog in 2009, we were told the bill would not exceed £200.00 for 24hours of care and were advised we would have to consent to further treatment. Dog was let out the next day with the bill nearing £400.00. We advised we could not afford this we paid £100.00 on the spot and set out to make a complaint. I emailed 4 letters of complaint, with no reply. They instructed a debt collector again no reply to the complaint or for a request of how the charges were made up. Next think court paperwork lands for the amount, I could not insert a defence as I could not ascertain how the bill was made up, the vets or the debt collector did not reply to demands. Therefore I made arrangment with the court to pay at the rate of £28.00 per month. Since then the Vets have finally provided paperwork and it shows that treatment was added that we did not consent to, they have also showed a consent for our treatment with the costs at £200.00 for the first 24hours. I now wish to challenge this how would I go about it and is there any legal argument I could quote to try and get this overturned. I thankyou for your help.
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Hi there I seem to have multiple searches from a Debt Collection agent searching my file. Do you know if there is a particular letter I need to send them in order I request they be removed. They have made 3 searches last month, and Equifax tell me they appear in Table 1 on the credit file and will remain as "outstanding Debt Search" for 6 years. Thanks for you help
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