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mejules7

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About mejules7

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  1. Hi Mariefab removed that sentence - although I didn't want too! The 2 directors mentioned are the 2 owners of the company, and yes they are very unscrupulous and I wouldn't put anything past them. They both lied in a tribunal just recently against an ex office worker who was sacked for using her computer during her dinner (she had clocked off) they even doctored the clock card! She did win though. Was talkin to hubby and he said 2 of the courses he undertook he had to in order for the company to gain the accreditations they so desparately wanted! Have asked him to get copie
  2. Hello Mariefab I was hoping you'd respond and advise. Thanks for the fantastic to the point letter, we both have the next couple of days off and when i get to work on wednesday I will take copies of everything and get my hubby to take in top work, although we've decided to wait until the friday (his payday) because they are the type of company upon receipt of the letter and refusal to sign to frog march him off the premises (yes they really are that type!) If the above were to happen do you think we would have a case for unfair dismissal? Thanks for your help Julie
  3. Hi I could really do with some help/advise. my hubby recieved the following letter (tyed in cause I cant get the scanner working): Please find below details of courses you have attended whilst employed at ******. The fees have been settled by the Company in all cases: St J Ambulance (18th April 2008) E.On / IOSH (3rd November 2008) BSI - EMS Internal Auditing course (17th November 2008) NEBOSH Construction (5th June 2008) We would like to formalise the verbal agreement (this has never been mentioned or discussed prior to this letter) that you made wit
  4. Hi Martin Thanks for your advise - i have just typed up and sent a cca request to cabot, will await their answer. I spoke and emailed experian and they have put the standard account in dispute notice on, asked if I could have it put on the file that it was a duplication of the online finance they said no, to which I wasn't impressed! With regards to the detrimental effect his file is having on my clean file - my score prior to this was in the late 800's it is now in the 450 ish. Is it the cra that i need to speak to with regards to this? Thanks mejules
  5. Hi They've added roughly £300 to the debt - would my best option be to sar them see exactly what they have? Also because there's both defaults on my husbands account for the same debt this is having a bad effect on my file is there anything i can do in way of compensation etc? Thanks Mejules
  6. Hi Sparkie, Thanksd for the above I know your probably sick to death of the RBS by now. I sent the SAR back in 2008 it took them til a month ago to respond with a letter stating they could not provide the signed cca and a a4 piece of paper with what looked like a excel spreadsheet of charges incurred. Thanks Mejules7 x
  7. Hi Sparkie Just spent the last 3 hrs reading your thread - excellent hope you get it all sorted out. I really could do with some advise (hence the reason I read your post) my husband had an RBS card we paid it off in 2004 when we sold our house we destoyed the card and heard nothing until June last year we went to change our mortgage from Northern Rock. we had our mortgage application refused and were advised to check our credit files. My husbands file had a default notice on his old paid off RBS card stating he owed over £3k. We had not received any letters or calls regarding any de
  8. Hi I need some help please. My husband defaulted on an car finance due to family problems back in 2006. We agreed reduced terms with online finance and all was well until they decided to sell the debt to Cabot. The default from online finance was registered as satisfied, and all was well for 3 months then I check both our files and Crabot sorry cabot have registered the same debt although balance is more and so is the default date they registered it in October 08 - is this legal can they do this? Any help would be gratefully appreciated. Mejules
  9. Hi I need some help please. My husband defaulted on an car finance due to family problems back in 2006. We agreed reduced terms with online finance and all was well until they decided to sell the debt to Cabot. The default from online finance was registered as satisfied, and all was well for 3 months then I check both our files and Crabot sorry cabot have registered the same debt although balance is more and so is the default date they registered it in October 08 - is this legal can they do this? Any help would be gratefully appreciated. Mejules
  10. Hi Just (well bout half hour ago) got off the phone from credit expert who were very helpful (for a change) They are now contacting both online finance and cabot - one of the defaults shall be removed and the default date will be as it was. I have to give them 21 days to sort but he assured me that it shall be done. I also contacted on line finance who were also very helpful and stated that when contacted by credit expert they shall remove the default they have on the file. Asked for it in writing and received it via email within minutes - its on proper letter headed paper and signed. May
  11. Hello All, Very interesting reading - my other half had an agreement with online finance that he defaulted on but we then came to an agreement with them to pay back o/s monies. Nov 08 we received a letter from Cabot stating they had now brought the debt, fair enough we stopped the standing order to online and set up another to Cabot. The default registered on o/h file from online was registered as satisfied in Dec 08. I have just been on his file this morning because had an email stating updates on file. On checking i discovered that Cabot without warning or notice had not only opened
  12. Hi Foolish, Thanks for getting back to me again - i've looked through the thread and i'm being a bit blonde because I still dont know what forms to use. Really sorry to be a pain but any suggestions? Thanks Julie
  13. Hi Sent the above letter - changed odd bit. Today i have recieved yet another letter stating that yes they dont have the signed agreement but the debt is enforcable and the data they are processing is correct. These muppets are seriously doing my head in now. I want to issue court proceedings - can anybody please advise which is the best route to go? All help is greatly appreciated Julie
  14. subbing - fantastic thread, going through this with RBS at the moment.
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