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2Grumpy

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Posts posted by 2Grumpy

  1. This has happened to lots of us.

     

    I suspect that the re-stocking of this item might cost more than it's worth - to you as well as Boots!

     

    Unless there is a seal then they might just bin it anyway & claim that it is not re-sellable

     

    I would be tempted to just accept that as compensation for the way that the security guard harassed you or for the times that you have bought something from them that was unusable for some reason but never took back

  2. Normally when you move out of a flat before the minimum term is up, they cancel the remainder.

     

    Did you tell them that you were moving out? Did you take BT at your next place? If so then I can't see their problem.

     

    Since you paid the year in advance, that's it, apart from calls.

     

    If they emailed you about your broadband, they knew how to contact you about the unpaid calls. Did they? If not, they should have done ...

  3. correct theres no CCA to return.

     

    so your have an overdraft that remains unpaid

    that Lloyds have sold to 1st credit

     

    when was the last time you used it please

     

    dx

     

    I disagree that there is no cca to return. they might respond differently but I understand that they MUST respond.

     

    Lloyds haven't responded to my own CCA request for an overdraft. They told the FoS that this was an oversight - but still no response

     

    Their assertion that an overdraft is not covered by the consumer credit act is an interesting response ...

  4. I suspect that they don't want to remove all of the flags because they want some of this to be your fault.

     

    I would make it clear to them that you didn't need to query the July bill because they were already looking into the account and it was Vodaphone that had asked you to cancel the direct debit while they looked into the matter. Vodaphone had effectively suspended asking for payment while they sorted out your bills.

     

    Presumably Vodaphone weren't sure that your July bill was correct or they would have asked for payment.

     

    I think that bill recalculation would include all bills. Perhaps you should also ask Vodaphone whether they recalculated your July bill?

     

    The point to continue making is that Vodaphone asked you to cancel the direct debit while they sorted out the account

     

    Since all this happened while they were resolving account issues and while they had asked you to cancel the DD, you should argue that in any case, the marker is not a true reflection of how the account was handled. You could always ask Experian to add a note to the Vodaphone record along the lines that any late payments in June - September were due to their bungling of the account, their asking you to cancel the direct debit and their intransigence in only removing late markers for June and August but not July.

     

    It might also be worth while complaining to the Information Commissioner. Alternatively get your LBA ready and go to the small claims court

  5. No, they would need eight:

     

    No one was at home/letter

    No one was at home/letter/signature required

    No one was at home/parcel

    No one was at home/parcel/signature required

    No access to building/letter

    No access to building/letter/signature required

    No access to building/parcel

    No access to building/parcel/signature required

     

    I'll get me coat....

     

    One less than that, unless it was an oversized letter that didn't require a signature that wouldn't fit through the letter box when no-one was at home ...

  6. You had a contract with the original DJ that they would provide a service and that they would not sub-contract the service.

     

    Not only did the original DJ break the terms of the contract by subcontracting, they didn't supply the service as agreed.

     

    This has nothing to do with the consumer credit act (not sure about whether it extends to companies), it is a contractual dispute.

     

    Unless the DJ has sold the alleged debt, or the DCA is a solicitor, then they cannot take any legal action! A simple statement that they did not provide the service because ... should suffice

  7. The original post was made 3 years ago, so you are unlikely to receive any feedback

     

    If Lloyds have started a claim and have admitted that they cannot find the original agreement then things might not go too well for them, depending on the date that the credit was started. Other than that, it might depend on what you were hoping to find. Their Terms & conditions won't vary between accounts, what does vary are times, amounts and percentages (and whether there was any PPI etc)

  8. As in OC sells debt of £1,000 for £100 (10%) and claims tax relief on this yet the DCA demands the full 100% of the original debt when they contact the (alleged) debtor ? Someone failed their maths O level I think. They can't both be right.

    especially when the DCA sells on the debt for £90 to another DCA, can they claim tax relief on the 910 or just the 10? I suspect that it's the full 910!

     

    How many DCAs do you need before the tax payer has paid the debt in full?

  9. It all depends who would have access to this and how respectable and trustworthy the source is deemed to be. In a lot of cases small print gets missed, some employee who may be a few fries short of a happy meal will ignore anyway and an individual left open to have this information shared (perhaps even in public domain). However, what is the betting that even if you shell out to Judge Jackie your details would be removed from this database.

    Surely paying the "fine" is agreement that it is ok to store your details in their nasty little database?

     

    I would have thought that the way to stay out of it would be to deny any liability ... (and maybe any wrong-doing and leave it up to the judge herself to decide how wrong you were)

  10. Ok guys and gals......there is more to this now....

     

    I received a letter from Drydens today, which I think overlapped me sending my reply (so they probably haven't seen that) threatening me that they will proceed with legal proceedings if they do not hear from me by 23rd May 2014. I was very angry on reading this so called them (on a withheld number) and after telling them I would not give them my DOB (as naturally they asked for it and that's one thing I don't believe they have) and them telling me in that case they could not discuss the details of my case, I reiterated I am not the debtor and that they must go back to the client and look at where their mistake was. I made sure they realised I would fight any action that they would start against me. :-x

     

    I know I shouldn't have called, but I gave them no more information than they have already and I wanted to make sure that they knew what my intentions were, as I am unsure if they are even bothering to read my letters. :?:

     

    I once again took a look at my credit report and yet again there is NOTHING on there related to any debt (apart from my mortgage).

     

    My questions are this:-

     

    1. I am thinking of once again calling a solicitor who gave me some free advice around Christmas when Shoosmiths were bothering me, but I am guessing I will have to pay him this time for more help. Is it worth doing this? I hate paying any more towards this as I am being chased for a debt that isn't mine? But with the threat of court action, I am unsure what to do. When the various DCAs threatened legal action I saw it as am empty threat but in this case it's a solicitor getting nasty.

     

    2. Can they really take me to court with little or no evidence like this? My credit report is clean, surely one scan of it will show that and they will laughed out of court, won't they?

     

    3. Do they have any power to go into my credit report and put this debt against my name now, even though it never existed in the first place?

     

    4. As I threatened to report them to the FOS if they harrassed me further I'd now like to do this. Does it matter that I haven't filed an official complaint with the DCAs or solicitors chasing this?

     

    Thanks for any advice in advance. :)

     

    They made me very angry today and I probably should not have called them, but I felt they were just issuing threats to me without even reading my letters and I wanted to spell it out to them.

     

    In cases like this it is worth giving a fictitious DOB to see how things go! You stand to gain more they they do if they give information or proceed as if that is the correct DOB.

     

    I suspect that they say that they may issue proceedings rather than will and that nothing will stop them acting like headless chickens if they are so inclined.

     

    There's a good chance that they are just trying to intimidate.

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