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Chickenlicken

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Everything posted by Chickenlicken

  1. I was walking the school run with my daughter and two dogs. I live in the countryside and was walking along a quiet road with my dogs off lead as I always do. They are very well behaved and trained. My eldest dog started to lag behind I started to walk towards her -she saw me coming and started to walk towards me, but a car struck her when we were within 15ft of each other. The car drove off. The car behind stopped and took my daughter to school and is a witness to the event. This car had been following the driver from home as they were both on the same school run. The road was clear and the driver should have seen us well in advance. Now I appreciate that my dog was off lead and under the RTA she should have been, but that piece of legislation also says that dogs MUST be on a lead if they are worrying livestock or are dangerous which isn't the case On the other hand, the driver drove off without stopping and providing me with her details, but did however, report it to the Police. She sees me regularly at the school gates so has had ample opportunities. In fact is under police advice to get in touch. Its been nearly two weeks since the accident. There is significant damage to my dogs leg and have a large vet bill. I want her to contribute. She claims she did not see the dog, or the driver behind her (that had been following her for the previous 15 minutes). I feel she wasn't paying enough attention to be on the road. Could someone enlighten me with the ins & outs/thoughts on this incident. Thanks
  2. I am in a quandry as to what to do now. I have read so many posts and different advice that I am confused, like so many others. I have two cases here; 1) Pre-6yrs rule as discussed on this thread. At court, stayed, bank have asked for it to be struck out. 2) 2001-07 complaint with bank. They wrote to me giving me 8 weeks from the date of the SC decision to respond or they would consider it closed. However a second letter received last week offered me a further 8 weeks to respond. What are they playing at? Can anyone offer any advice on this and my best course of action? Thanks x
  3. I have CPR'd BC and received a letter saying they have satisfied their obligations under section 78 CCA and have no legal obligation to provide further documentation. They go on to state the CPR does not confer automatic entitlement to docs before proceedings start, and evidence must be provided upon application. What a load of sh*te. Can someone help me draft a letter to ICO for non-compliance and sharing data without permission. I will look for an outlining template in the meantime. They haven't registered any defaults but have been reporting back to CRA's about late payments . How can I put a stop to this? BC seem to think they have every right to act however they like! Ta
  4. Thanks Slick I have SAR'd them and they still haven't provided anything remotely like the CCA. ICO here I come...non compliance complaint is what I'm thinking. Correct me if I'm wrong.
  5. Well, all b/c have sent is T&C's and a summary of account. Have no application form, originally it was Morgan Stanley then Goldfish. I have been pursuing them for the CCA since March, how much time should they need to provide a piece of info? Can I complain to the ICO too as they are sharing data without authorisation/permission? Planning on CPR FOS & ICO routes. Mercers will get a response when I have heard from them.
  6. No there is no penalty charges, ppi or anything. They do not accept the account is in dispute. DD - I don't follow this bit, can you elaborate on it please? I haven't actually heard form the debt collectors yet, it just says on my latest statement it has been passed on. Ta muchly
  7. Morgan Stanley>Goldfish>barclaycard I have requested CCA (march), 3 follow on letters and account in dispute. I have done SAR. They keep sending me the same old response. Final response has been same old letter insisting they have provided the info and will not engage in further correspondance. On my latest statement they have passed the debt to mercers DC and asking for payment. NB I stopped payment after the first month. They have not added any late payment charges or interest. They have, however, passed on info to experian and I now have late payments on my file even though I have asked them not to share info as they haven't got valid CCA. What is my best course of action now? I have read several barclaycard threads and am furious at the complete ignorance of barclaycard I have also read the complaining to FOS thread and am shocked at their incompentance too.
  8. Thing is there is a thread on here that paints a black picture for the FOS re CCA. Does anyone know what BC/Mercers actions are likely to be? Do they continue harrassing, go to court etc? Do they ever provide the CCA? If not, how/where on earth do people stand?
  9. Thailand; depends what level you're studying at Can someone perhaps enlighten me on claims further back than the 6yr limit. Does anyone think they will even be considered? (I have a 6yr one stayed, the older one in the queue at the bank)
  10. Thanks for your replies I tried the 150, it said 'this number has not been recognised' Will try the 17070 tomorrow and the 0800 number see what I get.
  11. I don't recall there being a logo on the box, but will have another look when I go over next. BT did say dial 17070 from the line which should give me the number so will give that a try too. How will I know if VM supplies that area? postcode check?
  12. Bt are being really unhelpful and maintain that £125 charge stands. So can anyone tell me how I find out who the provider of the line is? Do I need to go to BT to get a number?
  13. Hi folks, I'm moving house in the next 3 weeks. I can't find out who the telephone line is with. I called BT who say they do not provide the service to the new address and will therefore charge me £125 to set a line up. How do I find the suppliers to the telephone line ? or the electricity for that matter. (Its been along time since I moved house lol) Any help gratefully received
  14. Result! They have written back after letter number 3 stating they are returning the account to their client and any further correspondance will come from them:D Thats Round one over, shall await for next dca to come ringing
  15. thanks guys. But surely if the account is in dispute and until they provide the requested paperwork they shouldn't even be contacting us in this way and suggesting this anyway. I have requested everything to be in writing before, which they have obvioulsy ignored.
  16. Clarity have rung hubby again today and have now got quite assertive that a) he owes this money b)has already paid £1K (so why stop now) c) have threatened court action. He is worried that court action is pending and they are not listening (surprise surprise) to his repeated verbal (as well as written) requests for an executed CCA. "we don't actually own your debt, we are just a collection agency acting on the behalf of the original creditor" I thought they are a DCA & if so they should have the paperwork to legally enforce a debt?
  17. Telephone harrassment letter not adhered to. 30d deadline is up. No CCA, statement of account or anything else from either DCA.
  18. Wescot have been chasing hubby for debt without CCA. Clarity have been chasing debt without CCA, making harrassing phone calls even though the telephony harrassment letter was sent and not writing as requested. Even though their time is up, they still keep ringing.
  19. Clarity have called my husband with a reduced settlement offer, to which he said "I do not acknowledge any debt to you, you need to communicate with your other departments" Await further response as the first cancelled payment was due today. No doubt the will be in touch soon.
  20. wescot cannot find any cca & have closed the acc. clarity have requested more time to obtain info from oc. Have cx both payments and await further response from clarity. Both DCA returned PO
  21. Depending on your qualifications, maybe a National Dip. would be better suited? then Higher National? ND worth 2 'a' levels and a good starting point. Funding is a grey area as it depends on area & college. With regards to petrol it was through ESF (European Social Fund). There is the £30 learning grant you could apply for from the gov. Also, a student loan is only available to FT Higher Ed students. I managed to get a learning grant when I did my HNC as wasn't eligible for stu loan because officially it was a part time course. For 1st Dip. grants maybe limited as you should be able to have the course fully funded anyway. Good luck and keep us posted! & btw I returned to study as a mature student too. Best thing I ever did
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