Jump to content

212

Registered Users

Change your profile picture
  • Posts

    17
  • Joined

  • Last visited

Reputation

1 Neutral

1 Follower

  1. Hi all, I took out a recent loan with WFS and took PPI with it. I got my PPI booklet which advised I could excerise my right to cancel within 30 days. I am well within my 30 days and sent a letter recorded delivery, exercising my right to cancel. This was on Monday. I come home from work to find voicemail asking me to call my local welcome office urgently regarding my letter. I'm unable to call them back due to them now being closed. I'm a bit annoyed at this, and they shouldn't even need to contact me. They have received my letter so shouldn't they now cancel this by law? I've done a bit of reading and see that so many people are having trouble with this. What should I do now as it seems they want to put a wall against my cancellation? As stated in the policy book I can cancel within 30 days. Whi should I contact if they fail to do this? CAB / Ombudsman? Thanks
  2. Hi all, I took out a recent loan with WFS and took PPI with it. I got my PPI booklet which advised I could excerise my right to cancel within 30 days. I am well within my 30 days and sent a letter recorded delivery, exercising my right to cancel. This was on Monday. I come home from work to find voicemail asking me to call my local welcome office urgently regarding my letter. I'm unable to call them back due to them now being closed. I'm a bit annoyed at this, and they shouldn't even need to contact me. They have received my letter so shouldn't they now cancel this by law? I've done a bit of reading and see that so many people are having trouble with this. What should I do now as it seems they want to put a wall against my cancellation? Thanks
  3. Hi all, After a cca request and a few other letters to the a certain DCA they have replied and advised they will no longer be collecting this debt and will close the file, due to not being able to provide the required documentation. There is a default registered for this debt, and I'm wondering if I would be able to ask them to remove the default if I paid them monthly installments, even thouhg they said they can't and won;t collect this debt. Basically do a deal with them. Do you think it's worth a try, or could they hold it against me by me offering to pay? Thanks
  4. This is 1st credit we are talking about, and I will need to check the statement (or 1 page of it which they sent) as they sent this a while back when I asked for evidence of the debt.
  5. Thanks for the reply. I also asked for a copy of any default notice that was sent. They have also stated in their letter the following : "We are not obliged to send a copy to you at this stage and should proceedings become neccessary we will rely on the evidence of the original creditor to show that a default notice was posted to you" Also the first paragraph in their most recent letter states : "Please be advised the outstanding debt relates to a bank overdraft which is exempt from Part V of the Consumer Credit Act 1974 relating to the form and content requirements of regulated agreements. As such there is no statutory requirement to enter into a formal agreement. so where do I stand at the moment and what would you advise I send to them? In November I CCA'd them, and said the following 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number 1587 716732. 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on Since then they have sent a photocopy of an old 1 page bank statement, and a letter introducing themselves as the owners of the debt, and then this letter going on about the LOP act. Are they correct with what they are saying?
  6. Hi, A DCA is demanding payment for a small overdraft about 5 years old. I CCA'd them and asked for copy of any deed of assignment if they had bought the debt. They advised it wasn't covered by the CCA 1974. The also said the following in their 'final response' letter. "With regards to your request for a deed of assignment, we would refer you to section 136 of the law of property act 1925 which provides that the debtor is notified of the assignment of the debt in writing and not a copy of the deed itself" I have asked for proof of this debt and all they sent was a photocopy of a single page years old bank statement. Is this suffice enough for them to demand payment and is their quote above correct, I'm a bit confued by it all? thanks
  7. They sent a photocopy of a single page application form. There wasn't any terms & conditions on the form, although it did have a credit limit on it. Does there have to be some sort of T&C's?, and is photocopies acceptable?
  8. This letter came from their supposed Solicitors asking for the money. Is there anything specific I should be writing to them at all, or just the same? Thanks for the help
  9. After sending CCA letter to capquest a few months back, they put my account on hold for 28 days, and THEY cancelled the direct debit I had setup with them for monthly payments. I was then sent what clearly wasn't complient with my request. # Over a month has passed and they are now asking for payment, and I've just received letter from their HL Legal solicitors saying they have not had a payment since FEB07??. This is obviously a typo as they cancelled the direct debit in November. I also have proof of all payments from my bank up until they cancelled the DD in NOvember. You would think they would get their letters / dates right, being a solicitors etc and especially if they are demanding money. They are now asking for the supposed arrears since November. Should this be the case, when it wasn't even me who stopped the actual payments, plus the fact that the have not complied with my CCA request. Also, the reason for my CCA request is I am disputing the Default dates, and the info about this account on my credit file after I got a copy of it. Can anyone advise on what to do next?
  10. The alleged debt has been passed to a debt collecting agency. It's for just over £50, but I would like the DCA to supply me with details of this debt, as I'm sure by law they would have to have some kind of proof etc.. to chase me for this. Would a CCA letter work at all?
  11. Hi, Sorry if in wrong forum! I am being chased for an alleded small debt from a car insurance policy I cancelled years ago. I assume I can't CCA the DCA as this wouldn't have been a credit agreement? Is this right? I want to to get a letter off today basically asking, to see why and if they have proof of the debt. Is there anything specific I should be writing? Thank You
  12. Hi, I've just received a letter from a DCA with regards to an old policy that I cancelled a few years back. It's not for a large amount, but I can't recall why there would be an outstanding balance. Can DCA's be CCA'd with regards to this, or how should I go about answering this demand for payment from the DCA? Thanks
  13. Hi there, Not able to to do that at the moment unfortunately due to not being at home. Basically it was a letter from 1st Credit, headed by them, and it says we have been assigned this from BOS. There was no letter from BOS. I asked them to send me proof of this debt and all they sent was an old 1page photocopy of a bank statement and this letter. Nothing else at all, even saying this was a reply to my request. This is the 2nd time they have fobbed me off.
  14. Hi there, Can somone point me in direction of appropriate 'not the correct info' letter. I cca'd 1st credit and asked for deed of assignment details also. Basically what they have sent me is not the required info, and no cca either. They sent a letter which is a supposed deed of assignment, and it is clearly not the case. What would be the best letter to fire off now? Many Thanks
  15. The defaults are not settled, I am currently paying monthly to the DCAs who now have them. I came to an agreement betwen them all without any 3rd parties involved, and have been paying them for over a year now. I do know that the defaults are used in relation to being cleared, and this is what is worrying me. Any advice or should I accept I will be job hunting again shortly?
×
×
  • Create New...