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Geordie8281

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About Geordie8281

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  1. Signed up to a new 12 month deal with BT in Jan 2017 only to find out 2 weeks later the had generated a Quarterly bill from Dec 2016- March 2017 which then cancels my monthly payment with them.... i have rang them a they say the only way to get me back onto a monthly payment is to pay the £144 quarterly charge now upfront and then they will credit my account accordingly... I feel like i am being held over a barrel on this one..... Are they right or can i challenge it.... They have admitted it's there fault i was placed on a quarterly scheme as i had been on a monthly payment for last 12 months Any advice much appreciated
  2. Hi Red I too have an extra care package with Comet & after checking out details with TWG the Insurance Company that Comet use we are COVERED even if Comet were to close http://www.thewarrantygroup.com thats a link for the Company thats covers us Hope this helps Geordie8281
  3. i sent a letter requesting a CCA and today i got back a letter of Application for a County Court Judgment.. What next?? Should i send another letter of just wait for as they state in letter for a Court bailiff to Knock on me door??
  4. Can i still request a CCA if the loan was taking out online meaning i did not sign any paperwork?? al i did was input my name into a box
  5. Hi all I have an issue regarding a debt recovery company called Mackenzie Hall, To cut a long story short i took out a payday loan & few months back & could not pay it on the due date,the loan company asked for it in full & would not accept installments,Thats when it got passed to The above debt recovery company that want the FULL amount in 7days or will proceed with legal action in the county court..I did ask if i could pay the outstanding bill with is £262 over the next couple of months & they said NO...so i was wanting to now where i stand with them
  6. Hi all I have an issue regarding a debt recovery company called Mackenzie Hall, To cut a long story short i took out a payday loan & few months back & could not pay it on the due date,the loan company asked for it in full & would not accept installments,Thats when it got passed to The above debt recovery company that want the FULL amount in 7days or will proceed with legal action in the County Court..I did ask if i could pay the outstanding bill with is £262 over the next couple of months & they said NO...so i was wanting to now where i stand with them
  7. is there a template for the prelim letter? and what exactly to I claim for? sorry new to this
  8. hey there, just been reading alot of threads about crap1 about claiming charges back. I have 2 ongoing accounts and both are noe over the limit. I have tried twice to get a signed copy of my credit agreement but just got the usual unsigned rubbish and the blah blah blah we dont have to send you a signed one, then I sent a letter to both requesting the interest to be frozen and a payment plan set up (about 2 months ago) did have one letter stating they wud get back to me on that but never have so have now sent them a access request letter. (to which they have about another 2 weeks to reply) just wondered what I do once I received this, bearing in mind I have never used either card in years so all that is on that never seems to go down is - interest charges, overlimit charges, late payment charges and missed payment charges!!! any help would be most welcome
  9. Hi all, Just to tell you peeps that i got a reply from Ace on friday 3rd April from themstill saying that the DO NOT need to sent me a copy of the agreement and that if I think think ace are going to right the debt because of this them i a worry & if i don't start paying them going forward they say they will pass it on to a debt collection company, So what should the next stage be ??start paying them or carry on asking for a copy of the cca?? Thanks Geordie
  10. thanx for the advice guys,heres what a letter read 2day that we got from them Dear Sir Thank you for your recent letter dated 30th Jan 2009 and fully your comments and opinion regarding our customer's liability. The Office of Fair Trading and Local Trading Standards acknowledge that for the Home Shopping Industry the supply of an exact copy of the credit agreement together with all relevent financial information is acceptable to meet your request for a copy of the credit agreement. You can be assured that legal advice is sought in such matters where liability is in dispute.It is clear the debts exist but,of course,we are also aware that the courts would not ,at present,be able to grant an enforcement order should a default summons be issued by us because of non payment and it was defended on a challenge to produce a copy of the original signed agreement,as defined by Section 61 of the Consumer Credit Act 1974,unless we were able to prodduce a signed copy of the original in support of the claim.It is only in such an instance that it would be cost justified to recover originals from our archives. We would remind you that the original credit agreement was sent with your order when the account was opened in June 2003.Our customers are asked to sign both copies,returning on copy and to keep the their copy in a safe placeshould they decide to choose reypayment by credit terms insted of full payment.By taking advantage of paying mimimum payments every 28 days you are as such subject to terms & conditions as stated within the credit agreement. You have been a customer of ours for several years and we are trying to avoid an irretrievable breakdown in that relationship.Without making regular payments we will have no option but to register the debt with all the credit reference agencies as an unsatisfied default.That may adversely affect your ability to obtain credit for up to six years,as well to any person with whom you may be financially linked. This company will not write-off a debt just because there may be a possibility of legal defence if we were to take legal asction as a method to recover the debt owing to us. If it subsequently transpires that you did not sign and return a copy of the credit agreement we relise it will be unenforceable but it is not void nor an unlawful debt.We are satisfied upon discussion with the Information Commissioner's Office and on legal advice that it can still be registered as a default with credit reference agencies So thats what they sent to me 2day guy,s just wanted to ask if they are taking s**t are will i have to start paying them bastards again???
  11. Hi guys Just a bit of advice if ya can please,my parttner sent off a cca request lette 3weeks ago to a company called ACE,They have since sent a letter back stating that because we took out the catalouge account with them online that the law is not the same as as if we took it out by phone or post and that they DO NOT have to sent use a copy of the original cca.Is this right???
  12. Just an update ,we send back the second letter to littlewoods & argos additions and they have both said that they will not be pursuing us for the amount of £2000:)
  13. hi guys after being given advice from some of you i sent littlewoods a request letter for a copy of my CCA , after about 5 weeks they sent back a 1 pageof a blank copy CCA.Is this right or should it have been the copy with i signed back in 2003?? P.S The letter also stated that they don't have the original copy of my cca
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