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cashins last won the day on February 16 2010

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  1. This was resolved to my advantage.
  2. If you receive it. Mine was a 1998 vintage MBNA that was unenforceable as they couldn't find one. There were some issues regarding MBNA agreements from this era but I cannot remember what they were, as I didn't really need to know. You best bet is that, if they send one, post it up (blank out name, address, account numbers etc that could identify you.) There are plenty of people on this site that can tell you the score on it. Also bear in mind that they can't go to court with a reconstructed agreement and T&C's from that period, it needs to be the original. David
  3. No response at all to the LBA, (checked, was delivered). Need to bone up on the DPA to find exact clause they are breaking (duty to ensure data is accurate) then put together a POC David
  4. Thanks Stig I will give it a go. David
  5. Can anyone tell me the name and address of the above. Background is that back in 2005 the posted a financial association with a person I know to be a debtor, but being so long ago, they have no idea why it was posted. This has been rattling around their complaints dept for some months now, going nowhere. They are saying that they want me to forward a copy of my current credit report before they will remove it, (despite the fact that it would not show information from 2005). In short I think they are just messing me about. I am now minded to send a letter before action to their data controller. Would that be the right person? David
  6. Yes, but with some companies they may be signing for multiple items, in which case it is difficult to link the signature to your item. David
  7. I would agree that regal are low risk. The letter is a typical 'fire and brimstone' threat o gram and I had contact with them some time ago which turned out to be all hot air. David
  8. I am pretty accurate on what debts I owe so have no unknown. All of the debts became Stat barred certainly, with all having cause for action, (when 1st missed payment became due, no further payments and no ackowlegement of the debt) April/May 2014. If the searches don't show however, not worth getting my knickers in a twist over it. Thanks for the info guys David
  9. Just got info for all 3 CRA's and found a search by the above last year. As I understand it this will stay on for 2 years. Simply says 'Unrecorded enquiry'. So I have no idea what it relates to. 2 questions: 1. Is that type of enquiry visible to lenders? 2. How can I find out what it relates to? This entry is historical, however all accounts in arrears became Stat Barred April/May this year. What would be the position if they again search my file when they are Stat Barred? Not very well up on the rules regarding searches so any help would be greatly appreciated. David
  10. Don't know if it was Clydsdale Financial Services T/A Barclay Partner Finance, part of Barclays Plc, answerable to the Barclaycard division that was providing point of sale finance to Computeach at that point. They eventually withdrew from the training marketplace. David
  11. I am very wary of the concept of partial settlements, never done it myself but past threads abound where the DCA settled then simply sells the balance to another DCA to then chase you for it. If you went that road you would need it in writing that they would't do that and even then some might try it on. DO NOT expect honesty or integrity from a DCA or you will be let down for sure. David
  12. CCA them. I had a similar situation with an MBNA which went to Arrow Global. Don't know when you originally took out the card, I took mine out in 1999. They could't find the agreement so stuck two fingers up despite their pleading letter that I was 'morally obliged to pay them'. Suspect this situation applies to a fair number of years with them so give it a go. David
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