Jump to content

lemma1968

Registered Users

Change your profile picture
  • Posts

    311
  • Joined

  • Last visited

Everything posted by lemma1968

  1. So I just ignore their letter? Don't I send them a letter saying no CCA = no enforceable debt then? I just don't want a summons for ignoring them completely.
  2. I once had an account with a bank that went into overdraft. The overdraft was then converted to a loan as it had grown quite large. The figures on the statements sent neither resemble in any way what they say I now owe allegedly, or resemble what I thought I may owe and the account numbers qouted are a mystery to me as well. I'm confused.:-? In any case they have not complied with my very reasonable ( ) CCA request.
  3. I CCA'd the DCA in June. Heard nothing until Friday this week when they sent me a letter enclosing various accounts documents i.e. copy statements but no CCA, and no mention of a CCA and a request from them that I now contact them to make an offer of payment. "We refer to your recent letter or telephone conversation with this office. Please find enclosed account documents, provided by our client as requested. We hope this clarifies matters and look forward to hearing from you with your proposals for discharge of this account" What do I do next please? Any letter in default that anyone can point me to? And where has Rory gone? Thanks all xx
  4. Come on guys - give a girl a break - HELLLLLLLPPPPPPPPPPP!!!!
  5. As usual - CAG comes to the rescue. Thanks again for your help sosumi xxx;)
  6. Well, well, well. Months on I have received a reply to my CCA request. It reads: We refer to your recent letter (June!!!) or telephone conversation with this office. Please find enclosed account documents, provided by our client, as requested. We hope this clarifies matters and look forward to hearing from you with your proposals for the discharge of this account. There is no CCA enclosed, just copy statements that don't even reflect the amount they are saying I allegedly owe. what do I do now please? Anyone got a letter in reply for me? Clearly no CCA = no enforceable debt but how do I put that across in a way that makes them understand? Cheers folks.
  7. Thank you for that. I have pm'd you. I have been struggling to register on Credit Online. I'll keep trying. I'm not good on the phone so would rather email him so I have a note of all that I have said etc. It was good of him to reply and I shall keep my fingers crossed that this will be sorted. My poor mum is fretting, disabled and ill and this is one issue I am desperate to sort it out for her.
  8. Thanks. I will do that for her. They have put it in the hands of solicitors and saying they are initiating legal proceedings. She's quite scared. I have been so tempted to just pay it off but she won't let me, i just want to get rid of the hassle for her. Can I ask them for copies of these alleged signed delivery notes?
  9. They say they did attend and install it and that she signed for it at the time, she says she stayed in all day and noone came so they must be committing fraud. She has been getting quite distressed about it - she's 67 - and she has been crying and has not known what to do at all. I have SAR'd them to see if we can get hold of all information they have on file so i can draft a letter and deal with it. I said I would pay it for her but she would not let me saying that they did not do as they should and they should not get paid for something they did not do, have lied about and also amended the contract on unilaterally. I did CCA the sols but suspected it was not regulated by the CCA 1974 as it was for the provision of a service. How do they default you then? Can they default you and it lay there on your credit file like a CCA default? Thanks by the way.
  10. Hi Folks My mum took out an offer with Telewest for their Broadband some time ago. They sent the stuff but mum could not install it so they said they would send someone out. Mum stayed in and noone turned up. Mum rang them and they said that it had been installed and that they had a signed installation note signed by her etc to say so. She disputed this. Bills started to arrive that did not reflect the offer she had originally signed up to, and she disputed those also and asked for them to come and remove any signs of their equipment because none of it had worked or was in line with the offer she had signed up to. Telewest are now part of Virgin. They have uhmed and ahed all the way - and now cos she has refused to pay they have put it in the hands of solicitors. She has asked orally for the credit agreement so she can check the terms but they just ignore her. Can I CCA them or is there another procedure? I have SAR'd Virgin for her but don't know if a CCA request is appropriate. any help would be appreciated.
  11. My mum took out a contract for tv/phone and broadband with Telewest some time ago. Although the phone was hooked up they never sorted out the broadband etc but billed her for the privilege. She rang them up and said you are billing me for a service I have never had, and they said not to worry that they woudl amend send out a new contract etc. Then she received a bill for calls on the phone that should have been charged at a different rate cos they were part of a package (overseas calls) and called them and they said oh thats is not on the new contract, sorry we shall amend the contract including it etc, this kept happening. The kept sending her bills for services she had not had and then they were taken over by Virgin who are sending solicitors letters stating that there is no evidence that she never had the service and she has to pay up. Its £100's and she is worried sick cos they are threatening to sue. She never got anything in writing, they said they would only deal with her over the phone andwhen she asked for an address to correspond to they said ":Oh we are everywhere, we are in the ether":mad: So what does she do now that Virgin have put it in the hands of solicitors? HELP!!!!!!!!
  12. I have heard nothing from them at all - i should send to them a cca default letter but I have been so busy that I have not yet done it. I never received any acknowledgment from them for the CCA request and they are well into default territory now. Not really sure if I should just leave it and not bother sending a default letter, or poke the bear and send one. Any ideas would be welcome. The same situation applies for MBNA as well as they sent me someone else's application. I am still paying them even though they have not complied. I have heard nothing from them since i asked for their complaints procedure. Not on really. Have not kept up with all of this cos I have had so much work to do and just not enough time in which to get it all done.
  13. lemma1968

    Lemma V MBNA

    Well both MBNA and Fredrickson have defaulted on my CCA request. Can anyone point me in the direction of a breach letter please cos I can't find it although i know they are around somewhere?:-? Still no compaints procedure either from MBNA or any apology...knack all in fact. And nothing at all from fredrickson, not even an acknowledgment of my request.
  14. do not send a cheque as that will have your sig on it. There have been tales around that DCA's have used questionable tactics when they have your sig but cannot find the original CCA. PO is the better option although it will cost you a little more.
  15. Received a letter today from Rachel Claridge - Asst Vice President at MBNA that deals ONLY with my S.A.R request and encloses a list of transactions from August 2001 i.e. exactly 6 years but no statements etc as requested. They have not cashed my cheque either. Notwithstanding my letter of the 21st July which contained the S.A.R and complaint request etc there is absolutely NO mention or inclusion of: complaints procedure CCA Apology for sending someone else's Application form and no reassurance re MY details as requested. Nothing at all. Cr*p really. My original CCA request went out on the 9th July and was delivered on the 10th. By my reckoning they have until the 26th August before they are in criminal default. Suggestions everyone as to what my next move should be? I am really hacked off they seem to have completely ignored my letter of the 21st July. :evil:
  16. lemma1968

    Lemma V MBNA

    Received a letter today from Rachel Claridge - Asst Vice President that deals ONLY with my S.A.R request and encloses a list of transactions from August 2001 i.e. exactly 6 years but no statements etc as requested. They have not cashed my cheque either. Notwithstanding my letter of the 21st July there is absolutely NO mention or inclusion of: complaints proceudre CCA Apology for sending someone else's Application form Nothing at all. Cr*p really. My original CCA request went out on the 9th July and was delivered on the 10th. By my reckoning they have until the 26th August before they are in criminal default. Suggestions everyone as to what my next move should be? I am really hacked off they seem to have completely ignored my letter of the21st July.
  17. Your credit card debt is a civil matter not criminal, unless you took out the debt knowing you were emigrating and never had any intention of paying it back. That in itself will depend upon whether you lied or not at the time of the application. As a civil matter you will not be arrested on your return to the UK. You may find that the creditor may issue a county court summons to your last address and you may end up with another CCJ which could be enforced against any assets you have that remain in the UK. Do not ever assume that just because you have emigrated and have no intention of returning to the UK at the present time, that you will not want to come back and live here again in the future. I emigrated, left debts behind although I was trying to pay them and I came back and was found within a matter of weeks by a debt tracing company. On your eventual return CCJ's can be enforced cos they are not statute barred after 6 years. Is there any reason why you cannot pay them anything from the US? You may be building your credit over there, but it would be unwise to think you can just start again in another country and then end up in just as much debt in one country as you were in the other.
  18. Can you PROVE that you cancelled it? Did you send it recorded delivery and it was signed for? Did you send an email that is dated and still on your comp? YOU PROVE IT! why should they believe you? why should we Believe you? Just because you say it?
  19. So YOU say! If you sent it recorded delivery there would be comeback. Did you? If you sent it via email - there would be a record? Did you and have you still got it? Prove it then we will all know once and for all! That is all we are forcing them to do. What's sauce for the goose. You clearly did not read the rest of my post. Many people on here have serious problems brought about my no fault of their own. I suggest that unless you have something constructive to say - you should not bother posting again on this forum. I'm sure you could find someone else to complain to that is bothered!
  20. I would hope that you have realised that this site is NOT about debt avoidance but about ensuring that people who ask us to pay them actually have the legal right to do so. We have certain LEGAL obligations to fulfil, so do the creditors. they have alegal obligation to provide a true copy of a credit agreement that contains the prescribed terms and conditions. Without it, we cannot be sure what we owe and over what period of time it is owed and with what interest rate. They could go on forever, and some do especially when in the hands of a DCA, saying that a debt is owed that has been repaid 3, or 4 times. Once it is clear what the true terms and conditions of the contract are, then WE have to fulfil OUR legal obligation to pay up. Just knowing that you borrowed say for example £3k does not paint the whole picture. What if you have paid back £5K and a DCA says you still have £2.5K to repay but there is no legal document confirming this - would you pay it? Of course you won't. You do not want to pay £47 to Sky who have Told you that YOU have Not fulfilled your legal obligations re cancellation notice. WHO SHOULD WE BELIEVE? - YOU OR THEM?:idea:
  21. From reading other threads I think you can only claim back the interest charged on the unlawful charges plus interest to date but not interest on the full sum borrowed on the account as a whole...if you see what I mean? I'm sure I shall be corrected if I am wrong.
  22. Can you go back to speaking English....please? Football is a whole other language. Now Cricket...there's a sport. ;-)
×
×
  • Create New...