Nice one Monty:D

Like it Sparky!!!

thanks BRW

Zhan Do not really want to read the 419 post so please can you give me a quick outline to the case and were we are now. Cheers HAK

Cheers How could I enforce it tho??

After taking legal advice I am informed that only T/S can deal with any CCA 1974 breaches. Also they told me 1st Direct can sell a debt at anytime with out producing a D/N. Any points??

I note your point regarding the DN I want to take 1st Direct to Court as they never issued a default notice. I called my legal helpline you get with Home Insurance and they have told me only T/S can enforce any breach of the CCA 1974 Totally confused now#//

Ive had 2 DC take me to Court with application forms and both have pulled out at last moment. Mind you I am awaiting the next one of Hillden Security which will be great fun..... HAK

Easy If the agreement is in the slightess bit unenforcable offer nothing!!! HAK

We had one and it cost the RBS dearly. We saved over £6K http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/195950-you-have-got-look.html

This has now been passed to Wescot...haha Will they ever learn!! HAK

Well Done Morph Can you give us more details on the Judge etc

I have been asking for compensation for months and been fobbed off. Last letter I sent I threaterned them with court action and they sent a letter back saying "It is not against the law to not keep default notices" we issued one so basically tuff luck and if you want to start proceedings send it to DG Solicitors... Its funny really as the dates they said the default notice was issued was right at the beggining of when I got in to trouble and I have letters after that date trying to make an agreement or they might default me:D This is why I have to teach them a lesson but like I say not sure how to start it and what law to nail them under?

Thats what I think but not sure what angle to hit it with

Hi Cut A long story short had a credit card and bank account with first direct. They sold it on and ended up with Marlins and it got settled at mediation accounts closed. I always though 1st Direct never issued default notices to both accounts. They say they did but have admitted they have not got copies of the DN. They also say they are not breaking the DPA for not keeping them!! My agument with them is this: If you issued the DN then I would rectified the accounts according the the CCA 1974. This was never done and they sold them on with out giving me the chance to rectify the breach. I want to sue them for not giving me the chance to rectify the breach and all the hassle of the debt collectors over the last 2 years. Do you think I have a chance? HAK

I changed my number about 2 years ago. Could not believe it when I was in Asda and bumped into an old friend. She told me here mother had just changed her phone number and getting loads of calls a day for somebody called the same as me... Fould out it was my old number:D at the time I had over 10 different collectors calling!!

TELL ME ABOUT IT!!!

Totally Agree with you but I went to the Manager to MP to BEEAR (Gareth Thomas) and fobbed of all the way!! Thing is this was 2 years ago and have learned loads since then so they probably want get away with it today!! Think I will write a letter to Marlins T/S as I have a few issues about them. Anybody know there local T/S email HAK

Dont even get me going on this.. I have taken them on and all the way to the top and got nowhere. They do not have the funds and knowledge to take on any company. All they want to do is send a 17 year old into a pub or shop to buy fags and booze and get there stats up!! HAK

Another thing 1st Credit got off very lightly last night.

Were you getting this info?

Great minds....

NOTE TO ALL GUESTS... If you have found this site due to the TV last night and are having dealings with Marlins or, any other debt collector please join the Forum as there is loads of help available. HAK

Again there was no imput from any goverment person or body.. Its about time the OFT got some BALLS!!!!!!!!!!!

Whos the first to ring Marlins this morning and speak to the "Best collector in the office" or do you think he is having a day off!!