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Everything posted by thecteam

  1. yes they do as i have just found out, they started me off 18months ago on a foundation account for my business, once there computer flags you, they will upgrade your account, but when they do this, all times scales are reset, all the good you have done with the lower account, building up your credit score, accounts for nothing, once you have the new account. its like you have never banked with them. well that is my experince of natwest so far. as they just refused me a small business loan, as i hadn't had the account long enough. yet been with them for 18months.
  2. signed and bumped. just need someone onside like John Prescott, when he did the No ifs or Buts pass on the Cuts on Facebook. 30000 signatures was the outcome i remember
  3. im not 100% sure on this but im sure it is illegal to force you to sign your signature. when stopped by traffic police and given a 7 day wonder, they can ask you to sign to say they have given you it. but you can refuse to sign it. they cant take no further action to force you to sign it. surely if the law cant force you to sign it, a Bank, Credit Card, DCA has no chance of forcing this issue. i might be wrong just something i picked up in my life. i have refused to sign a 7 day wonder nothing was done to me.
  4. i would think barclaycard have already marked your credit report with experian and equifax, unless the debt has been sold to calders they cant mark your credit report. cant have two defaults for the same debt. but they will try it. tell them to take you to court if the debt is yours. they wont barclaycard and cabot never have in almost 6yrs, i have asked many times to be taken to court over it.
  5. The Range aint passing it on, Manager said he don't have to as it isn't Law. i asked if i could have this in writing to which i got no reply. then a few others started on him and well he just walked off. saying well poundland ain't doing it. what has Poundland got to do with me asking for the vat to be corrected in his shop. i wasn't buying anything from them i was buying it from The Range. so who do we report them to. the taxman. the PM the house of lords. surely they have a body setup to do with this sort of thing. or is it another one that has to be dealt with by the OFT. i know its a much of a muchness, when you brake it down. but why should big companies get it when it is meant for everyone. the meek shall inherit the earth.
  6. they dont fall off. you have to request that they remove them. Experian tried to say they stay on there for 8yrs. what a pack of lies they make the rules up as they go along. im sure they really do think it is a case of my bat my ball my game you lose.
  7. i think you have to put it in writing. Email not being one of the forms of writing being excepted. yet you apply for it online why can't you cancel online.
  8. he sounds a bit expensive to me in the first place. normally we take a deposit of half the amount in the shop. this is no refundable. we used to only take £20 for every booking, but when you lose 4hours of work and only get £20 it does suck a bit. but we only do this if they cant give us 48hrs notice. giving over a months notice well i would gladly give all of the deposit back. im sure i would get another customer within 4 weeks for the date cancelled. makes you wonder how good he is, if he didn't get a request for work within that month for that weekend. i would see him in court for sure.
  9. im sure they will dip into it now after losing £2bn,even though it was Santander that lost it.
  10. it should do but it won't i disputed my charges last month they have added more this month. so just goes to show they really don't give a monkeys at all.
  11. thank you PGH will sit and draft a letter today, and get it in the post. i know they will have marked my credit file by now with these charges for sure. once again i get screwed by them. going to have to add something to the letter with regards to this.
  12. abbey have still not closed the account, they have charged me £25.25 taking a debt of £7.25 upto £98 now. i had been to the branch to clear the £7.25 but they wouldn't take it with out the charges. told them to go roll for it. said i want to clear the debt now. we can't do it as the computer wont allow it. this totally proves that no manual intervention can be preformed. i just phoned to speak with someone and they have also confirmed they can't override the system. i explained that these charges are meant to have a charge for manaul intervention in them. if you can't do anything to override the system you can't charge for the service you claim is in the charge. silence at the other end. sorry we can't do nothing the system is down.
  13. think i rewad on here that if it is a debt to the government local council being part of that i would think. it is 15yrs they can claim a debt upto. im in the same boat right now. the local council had a liability order granted. i know i paid it off to them. the order was for the council tax year 2003/04. just last week i had a letter saying i owed it. told them i think your wrong. can i have a copy of all my council tax payments from date of start in 2001 till the present days payment. so far i have had nothing. he seemed to pull it up on the screen quick enough. i know i paid it off as i had been to court over it. nothing has ever shown up on my CRA Report for it in all this time. why is that then. can't a council default you then. they are quick enough to sell your info to the CRA's
  14. Have always stuck to this rule in my business, no plastic accepted at all. im not paying a percentage of my earnings to a credit card company. plus with my business i don't believe anyone should be allowed to have my service on credit you eant this. its not something you need everyday. but something you have with you for life. you don't need the interest to go with that life on my service. Tattoos are for Life not just for Credit Interest Charges
  15. that will be the £15 they will use to give new customers £100 for changing banks.
  16. I just believe it is so wrong for them to give away tax payers money. this really has to stop. its not there money to give away. i will be speaking with the head office today about the way the manager treated us yesterday. like we was no good and was a piece of dirt on the bottom of her shoe.
  17. Tried to close my abbey account today, as i was fedup with the way they treated us. the wife was in hospital fighting for her life a few months back. her diabetes was the cause of the problem. fighting a coma isn't a nice thing to do. whilst she was in hospital for the week, i was left to carry on running my shop and visiting the wife and looking after the home. i didn't manage to get and put any money in to the account to cover the bills that came out, so cancelled all direct debits with them. managed to get a few of the charges dropped but still have about £75 of charges to pay for them paying out £7.52 was told by the manager of my branch that she cannot amend these charges or even accept the payment early. so meaning that on one of the charges im going to get interest added as it was from last month. so cant close account. so this surely means they can't do a manaul intervention. so sort of proves that all charges are computerised only. walked out of the branch in the end and said see you in court for the £7.52. whilst i was leaving i noticed that they are giving new customers £100 to move from exsisting banks. is this what the money from the government was intended for. how can they do this to the people of this country. so what do exsisting customers get from them then. totally disgusting for them to be giving money away when they don't have any to give away.
  18. just standing my ground and not letting them get away with it. if there was no reply the 28th day i was sending a message asking why. if they got a reply from the default marker, i would question it. showing them letters from Cabot has helped. with cabot saying we dont have the cca1974 helped i think. it has taken a good few months of just keeping on, but you can get there. well worth sticking to your guns and dont let them break your backbone. all the info you need is in this thread. keep complaining. don't let up at all with them. if you have a valid point use it, they will try anbd abuse it just let them know you know they are abusing it. i think it helped that when i joined the equifax website to check my credit report, it was still showing 2 defaults that should have been removed. since then everytime they have stated one has been removed i ask for proof in the way of a free credit report. tell them your unhappy with them. stgand your ground.
  19. just a bit of an updaye on my issues with the 3 DCA'S. All defaults that are wrong have been removed or amended to reflect the person i am today. only one default to sort out now and it is with Cabot. but since i have had a letter from cabot saying they dont have the CCA1974, it is just a matter of time to get it removed now. im still questioning Equifax over my score, since all the defaults on my file was wrong. they upped the score a bit, but im not happy with it. they still need to amend it as far as im concerned to reflect a true score. just keep plugging at them you can get them removed and dont forget to have your score corrected. im just looking into getting them to work the score out correctly now. backdating it so to speak.
  20. just had the same sort of response from Equifax. was advised to ring the creditor barclays mortgages. which is now clear and paid off in full with a £2261 refund from barclays for unlawful charges added to the account. so rang barclays they have no record on file of Equifax contacting them. now either Equifax are lying or barclays are failing to keep the information on file. someone is lying somewhere now and affecting my good name.
  21. thats a shame. never mind im sure it will all fall around there ears sooner or later. once someone makes a move and gets a result, the flock will follow.
  22. how long has your business been open now. if it is within the 30days log the amount of phonecalls you get for the next 10days. add up the amount of what every you sell from these phonecalls. send it to BT and tell them that you could have lost this much money due to phonelines not working. if no joy contact Ofcom
  23. you can update the question you asked. i dont like how they just close a question like that either. but they are the law and you must obey them, when they say they are right. bring forth the holy hand grenade. tell them you are not happy and what proof was they given as you would like to see it. they will come back with some story like it is private between them and the HBOS. i have to wonder if a freedom of information act request will sort this little lot.
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