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Everything posted by mustang67

  1. Hang on in there. This is one that we are going to win.:)
  2. To Millington4341 There is also a large thread concerning CLC (28 pages ) on Money Saving Expert .com Go on the forum called ' Praise Vent & Warnings ' then look for 'Warning Club La Costa ' have just bumped it up , so should be near top .
  3. Hi there, sorry you are another victim of the ' great ' CLC experience. The ' Misrepesentation ' letter is basically setting out the misselling of the CLC product. It must relate to what you were actually told at time of signing . Provide both the ' promise ' and the ' reality ' In case where you have not been able to test out a 'promise' it would be reasonable to say ' we believe ' or ' we understood ' under the reality column. For more details go to the TCA site ( Timeshare Consumer Association ) Once you are there, click on the 'Help & Advice ' then go down to Buying Timeshare (another box opens ) then click on misrepresentation. After you have read that page, at the bottom you will see TCA advice click on the highlighted Consumer Credit Act 1974. That will take you to more info. Hope that gets you there as I am hopeless at doing links !!!!! Basically when I sent my letter I just listed all the broken promises ie You can get holidays when and were you want Lies All accomodation is 5 star Lies No extras to pay Lies The list goes on, explain what the lies are etc. As I have said before I have not paid anything for several years now. GE (after having sent them the letter ) have sold the debt to a Debt Collecting Agency (DCA)Sent same letter to them also and at the moment am at a stalemate with them. They keep asking for money but I keep refusing to pay. It does slow them down when you send the letter and they will still refuse to take responsibilty but do not be put off. As I see it GE have sold a VERY large debt to a DCA so they must know deep down that they are on to a loser trying to enforce any payments so they have passed the buck to someone else. Anyway get those letters sent off and let battle commence!!!! There is a phone No on TCA site if you want further advice. Good Luck keep us posted :)
  4. Hi Majka, Have heard nothing since last posting. But am hanging on. My DCA has also rejected the Misrepresentation letter, but that was to be expected. They are blaming CLC for not replying to my complaints but in my book the original lender and now the DCA is equally responsible for the misselling. I think if they had a cast iron case it would have been in Court years ago. When they ring me up again I am going to ask for an out of Court settlement !!!!! Try to keep your DCA at bay,most of their letters are just threats, full of maybe's and might do's. As I have mentioned previously stopped paying the maintenance fees a few years ago. Glad to see you are going to stop them as well. Will be glad when the whole sorry saga is over. CLC was the worse mistake of my life as well. It's all quiet on the other CLC Forums as well. Will keep you posted if I hear anything. Cheers.
  5. Do not get involved with this lot or any of the many similar outfits offering to buy your Timeshare. Remember money up front = [problem] An invite to their office = [problem]
  6. Ignore the jokers. Because they cannot provide me with a CCA,they recently contacted me saying they had proof that debt existed. This ' proof ' was a copy of a statement from over six years ago. Thank you very much Cabot !!!!!!
  7. You would probably get more answers if you posted this on ' General Consumer Issues ' Cheers.
  8. I would just continue to make token payments. The only thing you have to tell them is that this is all you can afford. Do NOT send them an Income & Expenditure form. Only a Court can demand one of these. Tell them as little as possible. The more you tell them the more they will use this against you. Also do not talk to them on the phone. Good Luck.
  9. If you wait long enough you should get a card saying a Mr Brown is going to call or a Mr White. They seem to go for colours.
  10. There name has cropped up on another site (TimeshareTalk Forums ) They are asking for 1200 quid upfront which they say will be refunded on completion of sale. Yeah. There is no address on their incomplete website only a premium rate telephone number. With this info, they are definately [problematic] do not get involved with them. Give me 500 quid and I will do the same as them and send you a postcard as well !!!!!!! JUST IGNORE THEM IF THEY CONTACT YOU.
  11. Any so called company asking for money upfront to 'sell' your Timeshare it will be a [problem]. If they ask you to attend a 'presentation' it will be a [problem]. Just ignore them.
  12. Could try the www.HolidayTravelWatch site they deal with holiday complaints etc. Good Luck. Link might not work just try HolidayTravelWatch Cheers!!
  13. If anyone wants to read more about CLC go to MoneySavingExpert.com and go to Praise Vent and Warnings there is a large thread on there.
  14. My DCA has made that threat, but a DCA can only call at your house if you have made an appointment with them. If and it will be a BIG IF, if anyone turns up tell them to take a hike or you will have them for tresspass. Yeah, for all the pleasure that CLC promise you your life is turned upside down because of the lying b******s. I was in dispute with original lender but they still sold it on. All quiet at the moment, no one has turned up so thats another broken promise !!!!!!!! Keep us posted of any developments Cheers
  15. Hi there,I am in same situation with a DCA concerning CLC. Have had many threats over the years, but nothing has happened even though I have paid nothing. Hang on in there. The way I look at it is that the original lender has passed on the debt of over 20 grand to a DCA because they must have know that they are on sticky ground because of the 'Gross Misrepresentation' allegation. So it is now in the hands of a DCA and I have started the same process against them. During all this my Credit rating has been shot to pieces, but this is a small price to pay to get this debt wiped out. Have been in touch recently with the TCA and they said that a Group Action against CLC and lenders should start shortly. If you are getting phone calls of the DCA there is a letter template in the letters sectionon this site that you can send to them. That should stop the calls. Have you sent the 'Misrepresentation' letter to the DCA ? If not send it as soon as possible. Hold your nerve and hang on in there.
  16. Only a Court has the legal right to ask for an I/E form. If you send one to a CCA even though it shows you cannot afford anything, they will find a reason asking you to cut down on something. Just offer a pound a month. Then even if it goes to Court you will not be asked for any more, as dpick says.
  17. Agree with everything you say. Do not be tempted, you can book better places through a Travel Agent without the hassle of sleazy timeshare reps trying to sign you up. If you do go to Monteray it is at the top of a steep hill, you have been warned!!!!!!! Have been there and the FREE breakfast is at the Paradise. Do not go to that. Would not rate it as 5 star.
  18. Very lucky. But to anyone else out there, do not be tempted by these people. Keep your money in your wallet.
  19. Have had same experience with Cabot and Goldfish CCA, they suspended payment until as such time they can produce the CCA. Now, 12 months on they have sent me a letter saying that they have copies of statements (enclosed ) that proves the debt exists and would like a payment plan to start in two weeks. Well they might fool some people but they can get stuffed as far as I am concerned, I never sent any letters to them before so as not to rock the boat. It looks like they are now getting desperate for cash by any means.
  20. After waiti.ng nearly 12 months for a CCA of Cabot they have contacted me . In the envelope were copies of a couple of statements. According to Cabot this provides proof that the account exists Blah Blah. Seems that they are moving the goalposts yet again. Am going to ignore anyway. No CCA no pay.
  21. Many thanks for your reply, Cabot can now go and take a running jump as far as I am concerned.
  22. Thanks, they must be getting desperate!!!
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