Galena, I was once was a so called valued customer to Vodafone. I paid my contract on time and done my full 18 months. I then phoned them to finish my contract and they done this for me. A month later I get a red bill saying I owed them £11 (which I didnt). I phoned them and had some snotty woman tell me I had cancelled my contract early so I owed the money. I was losing my rag with her and slammed the phone down. I registered with the vodafone e-forum and they were a lot more helpful than the idiots on the phone. I would suggest maybe giving them a try. They helped me so HOPEFULLY they can help you. Sploits

Bump

Good morning fellow Caggers, I am currently helping a friend out who has got himself into a bit of trouble with Lloyds TSB. He got overdrawn over the years and they now want around £1,800 off him. I told him to SAR Lloyds and after 60+ days they finally sent him back the supposed SAR. All that was in it was statements up until September 2008 and that was it. He tells me that even after September 2008 they were applying charges. I have the spreadsheet to calculate what he should be claiming back and so far he has found around £1,400 in unlawful charges plus after adding the 8% interest rate on top I'm hopeful it will actually clear the balance owed. We are about to sit down and calculate everything and get the LBA letter ready but I just wanted to make sure the SAR had everything that we needed. £10 seems alot for around 4 years of bank statements, should there be anything else? If there should be then what letter should we send back? Sorry if it is long winded, but hopefully I made sense. Sploits

Make sure when you send it you DON'T sign it. All the best for you and the new addition to your family. Sploits

Lowell and Hamptons ILLEGAL all sit in the same office just different desks. Dont be surprised if you get letters from Red Colection next as they are in the same office too. Load of muppets the lot of them Sploits

Signed

I was thinking along the same lines Loobyloo Thank you

Good Morning, 2 friends of mine were dating and decided to book a holiday together. they went to first choice and booked onlineto go to Marmaris, Turkey on 29th June 2009. They booked it on or around 23rd February 2009. They also paid a low deposit (£30) please see link First Choice | Help | Booking online | Low deposits They have now split up and still having only paid the low deposit are now faced with having to pay the rest of the deposit just to cancel it. Can First Choice actually do this or can they just claim the low deposit that has already been paid? any advice would greatly be appreciated Sploits

Well since my last post I have been fighting with Muck Hall to send me a letter saying that they would no longer be pursuing the debt. They had supposedly sent it around 4 times. Funny how the threats get to you first time but when they admit defeat the letters some how get lost! I decided enough was enough and I asked for a copy of their complaints procedure. They assured me that the requested letter had been sent out but I told them I was sick of going round in circles. I then got told that my accounts manager (my what???) would personally send me an email sating they would no longer pursue me for the debt. I finally got this email from them yesterday It only took them about 4 weeks to send this. I would like to thank everybody who has helped me with this and to the people who are reading this post to be assured that these idiots CAN be beaten Thanks again Sploits

If next you go online with Muck Hall and you don't get Graeme you will get a woman called Diane. Trust me I have been there and mine was stat barred. I finally got a confirmation email today off them saying they were no longer chasing the debt. Just keep pressing the idiots and tell Graeme and Diane I said hi

And everytime they decide to pop one on my windscreen then it will be getting sent back. I'm just waiting to catch them writing out a ticket for my car now. I will be out to give them hell and tell them they have legal right to be ticketing my car, I wont have them touch my car, I wont accept the ticket and they all need to get back to school and learn how to spell. Sorry Mr. APCOA but the colour of my car is not BLAK (as was stated on the returned ticket lol)

PM sent. Any problems then let us know Sploits

I would do it as each seperate payment you have made as this will add the interst rate from the true date that they took the PPI from you. I will see if I can PM you with what I sent to HFC as that has unwanted PPI on

Download 1 of the Excel spreadsheets and work off your statement of account. Pop all your unfair charges down, pop the date the charge was applied and it will show you what you can claim back with the added interest. I just used the Credit Card simple english Excel download for claiming back against HFC. Hope this helps Sploits

This may be what your looking for: Guide to reclaiming bank charges - Consumer Wiki

Delete/amend to suit Data Protection Act 1998 Subject Access Request Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 DPA subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. Yours faithfully, [signature] [name]

If it has your signature on then it is looking enforcable. It appears to have everything required. Not sure why they would want your signature for statements of accounts though? You only usually have to send your signature when you send a SAR to the ORIGINAL creditor NOT 1st Credit. You do need to get your statement of account so it might be best to SAR H.F.C. and see where you stand. there could be alot of charges that you can claim back

How did you pay your last bill? If it was bank card/ credit card you would have a log of the amount and who to. That would be some back up to use against them. Got to say though, your scottish friend's parents must of really hated their child. Who would call their child Jazzy????

You could send a CCA to Lowell and see what you get back. Littlewoods have a bad habit of never being able to produce a signed CCA and neither do Lowells

MDJ80 the CCA you recieved from 1st Credit, did it contain your signature?

And i was under the impression as where several other posters that it was an EDITED CCA and not a true copy of the original. IF that is the case then the OP hasnt been sent what they asked for. Again forgive me if I am wrong

Good luck and fingers crossed for the job interview Sploits

Hi duesbury girl. Take a deep breath and try to calm down a little. It is all scare tactics by them to make you crack and get cash out of you. Just do as cerberusalert has stated and IF they continue to phone refuse to answer their security questions due to the data protection act. I know its scary at the min but you will soon learn how pathetic these lot are and you will be able to fight them Chin up Sploits

Havent you got this on a different thread were we had established that you HADNT recieved the true copy of the executed agreement so I posted a letter for you to send to 1st credit? Forgive me if I'm wrong

If they have failed to send you a true copy of the properly executed agreement then you could send them this (edit to suit): Account In Dispute Ref: Dear Sir/Madam Thank you for your letter of xx/xx/xx, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request) The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account. Furthermore; You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. This limit has expired As you are no doubt aware section 77(6) states: If the creditor fails to comply with Subsection (1)(a) He is not entitled , while the default continues, to enforce the agreement.Therefore this account has become unenforceable at law. As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Furthermore I shall counterclaim that any such action constitutes unlawful harassment. Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 14 days I expect that this means you agree to remove all such data. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. * You may not demand any payment on the account, nor am I obliged to offer any payment to you. * You may not add further interest or any charges to the account. * You may not pass the account to a third party. * You may not register any information in respect of the account with any credit reference agency. * You may not issue a default notice related to the account. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully, Print name do not sign