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TheChancellor

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Posts posted by TheChancellor

  1. Hi EP & welcome to CAG.It is a little bewildering at first - and you will notice there are actually two forums!If you click on the "debt action group" then choose a suitable sub-section to start your thread (e.g if the debts are with Barclays,Lloyds TSB, etc) then you will get advice from someone who has experienced similar problems.HTH

  2. I would write back to them & keep the pressure on otherwise they will presume you have accepted their viewpoint.You tend to find the Halifax answer a different question - yes, they have probably conformed with their requirements but (usually) no, they haven't sent a true copy of the CCA as required.

  3. so if he thought he had seen me take items was he within his right to detain me even after i had got into my van?

    could he justify the force he used by wrenching open the door and trying to drag me out of the van and kicking me as reasonable as he was wanting to make a citizens arest and i refused to get out of my van?

     

    What he should have done was ask you if you'd mind coming back into the store to sort out a possible problem.If you refused then he would have the choice of watching you drive away & noting your details to phone the police or making a citizens arrest & risking the roth from wrongful arrest.No his force wasn't reasonable as you weren't attacking him & you probably didn't even know who he was & what the problem was.If you weren't about to drive away then he could have waited until the police arrived.As regards the security office camera not working then he has to prove your guilt - you dont have to prove your innocence & as stated an illegal search would probably lead to inadmissable evidence anyway.

  4. Think you need to see a good solicitor asap in the mng if you haven't done so already.I would be looking at pressing charges for assault; unlawful detention or arrest by the shop staff (they would have had to make a citizens arrest to detain you) & an official complaint against the police although it sounds as though they were lead into it by the shop staff lying (which is an offence in itself).If they said they found the items on you then they are admitting an unlawful search anyway as only a police officer is allowed to search you.Bet they find "technical problems" with the camera in the security office.

  5. Hi Chancellor

     

    I've just sent my first letter today to Marbles, I discovered 2 years ago i had been paying PPI for 6 years i've now cancelled it, i was up at my limit at times £10,000 so as you can imagine my payments were really high my balance is now about £3500 but it's taken me years to get it down i've never noticed either but the interest rate is 39.9%!!!!!!!! I've been very silly with this card and probably abit trusting was 19 when i took it out. Do you think i could claim back my PPI???:confused:

     

    Hi Tracey & welcome to CAGYou have been busy lol but don't go giving Marbles any ideas as I haven't paid them anything this year.Was struggling & getting grief before I discovered CAG & CCA'd them.Been pretty quiet since.I dont know anything about PPI i'm afraid but I'm sure someone will be along shortly to advise.Have you sent your CCA request as Marbles (HFC) are notorious for dodgy paperwork?Keep us informed & if you start your own thread people will be able to follow your progress & offer advice.

  6. 12+2 Days - Does that include Saturday and Sunday?

    Assume received today 12+2 inc Sat & Sun is Weds 12th November.

    Is it wise to continue with my reduced payment when account formally in dispute (assuming they do not produce CCA etc)

     

    No.It's 12+2 working days.Dont "assume" anything with them.Check it has been received (presume you sent it RD?).See what they produce in the line of an enforceable CCA before deciding whether to stop paying or not.

  7. but they are charging me twice, surely not right!

    consumer direct werent impressed and said wrong so hopefully something will be done.

    meter numbers etc right

     

    It will be their admin somewhere along the line.My mother was paying by DD with them & was in credit & they had their in house DCA threatening to take her to court for not paying an old meter number that they had down at the address from years ago.Of course they couldn't discuss it with me they needed to speak to the account holder (85 years old).You'll get sorted eventually but do it in writing via complaints.

  8. Hi OL.Am I missing something? Is someone asking for money?If not & it says "settled" would you rather not just let sleeping dogs lie?My credit report should have about 5/6 DN's on it.It had one from someone I haven't dealt with & now that one has disappeared.Very curious but then curiosity killed the cat so I keep well clear.

  9. I think you will slowly watch your life pass-by, probably listening to crappy "Greensleeves" or similar if it is the same-old nPower.I've just paid them off from the last place & wouldn't touch them with a barge pole.Have you checked all the details (meter numbers, etc) are correct as nPower never know their a*** from their elbow.

  10. "The Cabot Financial Group has recently bought the account you held with Goldfish Bank Ltd and we're (actual spelling) now responsible for answering your queries and receiving payments"

     

    I cant understand why Goldfish sold either

     

    If your CCA is anything like the one Goldfish sent me then you would know why they sold it on sharpo!Nothing signed.All on Barclays notepaper for a 5 year old CC.They must have been psychic about the takeover lol.

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