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About oldrectory

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  1. Hi, There have been a number of different views on this but I need to know the actual answer before I can move forward with my complaint. Do Vodafone have to send out a default notice by law? Under normal circumstances under the Consumer Credit Act, a company has to send one out and it has to be correct. However, it seems that Vodafone contracts (as other communication companies) are not part of this act. Surely to protect consumers, Vodafone have to send notice of a default being applied to give time for the issue to be resolved. I didn't get my default notice because
  2. Hi, From my letter in my first post it seems that I have included all the details you said should be in there. As I said in my first post, ther two parts of their reply that I disagree with the most are: A comment in the letter that because I defaulted and they 'terminated' the account that they have the right to disclose information. I can find nothing in the credit agreement that states this. That my request under section 10 of the Data Protection Act to stop processing my data cannot be requested as I have signed the credit agreement. I am really at a loss on how to
  3. Hi, I have recently requested my default with the Open University SBA be removed using the following letter that I obtained from this website. I also sent them a statutory notice. I received their reply today. I need a little help with replying to them. My gut feeling is that they are relying on 'industry practise' and interpreting Acts to their own advantage. I particularly disagree with A comment in the letter that because I defaulted and they 'terminated' the account that they have the right to disclosed information. I can find nothing in the credit agreement that state
  4. Which part of the law states this. I am currently in dispute with vodafone and have otelo involved. Otelo say it is irrelevant what address was registered as it is a true debt! Thanks
  5. Hi, I have evidence that Vodafone had the wrong address registered on my account with them and subsequently sent a default notice to the wrong address. Is this enforceable? Thanks Oldrectory
  6. Hi, I have proof that Vodafone did actioned a change of address but then for some reason reverted it back to my old address. They then supposedly sent out a default to this wrong address. What is the situation regarding this? Is there part of an act that states that the default has to be sent to the right address to be registered with a CRA? Thanks Old Rectory
  7. Hi, I asked for my CCA from Lowells, got an application form that didn't comply, wrote to them telling them that and asking for the true CCA. They have never written back. I have the electronic proof of delivery. Can I use the same letter for my situation. Thanks OldRectory
  8. Hi, I have a couple of questions: 1) Has anyone successsfully claimed all the charges back from black horse? 2) Is the premlim letter the usual one found on here? 3) They have offered to refund half of £300 charges, but I'm assuming I should go for the whole hog? Thanks Oldrectory
  9. Hi, I have a couple of loans with Black Horse and in the past been charged for late payments etc. I am able to reclaim these charges through the usual channels - Prelim, letter before action and then Small Claims court? Thanks Oldrectory
  10. Hi, I have a similar situation to you. The main difference is that I did tell them of a change of address and they didn't action it - I went into the Vodafone branch and supplied them and then nothing! In a phone call with Vodafone they admitted that the computer system had not updated the correspondence part of the address. I was told over the phone that they had now changed the address - but still nothing! I owe them approx £500. They sent the matter to Moorcroft - who I sent a long letter to (twice) explaining that they had to send the mater back to Vodafone as they had
  11. Hi, Got an e-mail telling me that they would send me the cheque before they received the consent form. they also stated: I trust this fully explains our position and we look forward to receipt of the signed consent order. Should this not be received by Thursday 16th October 2008, SLC fully intend to continue to defend on the basis outlined above. I wrote back stating that I would wait for the cheque to clear and if all was ok would return the consent form no later than the 22nd Oct. I was given no reply - assumed all was ok. got the cheque and it has just cleared.
  12. I did mention you claim number! I have asked for it in an offical letter. I think they will ask me to sign a consent order - which tells the court to stop the claim. Do I sign and send back after I receive everything from them? Thanks
  13. Hi, Well e-mail the letter off to them this morning and got a reply this afternoon After some repeating of information (very boring), they write, You have re-iterated that the only acceptable outcome is as stated in your particulars of claim. We repeatedly explained to you that there are no charges on your account as they have been removed. There is no interest arising from the charges since we do not levy interest on any charges applied. This is merely an unsubstantiated allegation on your part. Moreover, in light of the economic considerations for a non departm
  14. Thanks - i'll put the case number in when I get it in a PM! You're great! Thanks soooooo much!
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