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Everything posted by TheChancellor

  1. Come on Skye... the suspense is killing me lol.Are you sure he didn't say "you've phoned the local Indian?"
  2. Ooooh Mr Shed.Aren't they the numbers with the naughty girls on the end of the phone?Tell them to ask for Big Betty pmsl.
  3. You're happy??I'm just relieved to keep my keks on lol as it's getting a bit draughty out there.V.pleased for you.Tc
  4. Told you it would reach them eventually NH.The "Management Team" are the ones on the next desk who can do joined-up writing.
  5. If you were in the house & have the same name as your mum were they not just chasing "that name" at the time of their initial visit & probably didn't know that you were not the householder?After all this time they still probably don't know that both of you have the same name!!
  6. I would remind them that the account is now in Dispute.Keep the pressure on.
  7. TheChancellor

    Amex CCA

    What is the name of the solicitors?Have you checked they are a legit firm & not the spotty youth on the next DCA desk?
  8. Did you nail them down on a F&F otherwise they sometimes pass the remaining balance out to DCA's at a later date.
  9. Why are the court costs (potentially) that high?How much are they chasing you for?
  10. I think they're being awkward with you. As PF says it shouldn't be that difficult. When I had a lodger moved in I just wrote to the council, giving the date & they adjusted the bill. Wrote on the date he moved out & they adjusted the bill again. Only "hassle" I got was a confirmation form a couple of times a year to sign & confirm it was still single occupancy. If you state that then it's up to them to prove otherwise.
  11. How does this work as regards a home repossession debt? Is it 6 years for the interest & 12 years for the initial debt?
  12. Hi Tiggsy Baby:eek: Think it was under CPUTR (or similar) legislation in April. I would keep the pot boiling & whizz a letter off this week. Tc
  13. Hi Centurion First of all Best of Luck in getting back to full health - the rest will get sorted along the way. Have you asked Link for your CCA and a full copy of your statements? You have obviously paid over half of the installments? What happened next - was the car re-possessed?
  14. TheChancellor

    Amex CCA

    I would send them something to try & block the DN from going on.You can adapt below & threaten action for any consequential financial loss if they are shown not to have had permission to process your data. DCA DATE AMEX Account No 12345678 Dear (DCA) Many thanks for your letter of (DATE) 2008 regarding the above account. Perhaps you could explain why your client is handing my personal data to yourselves when the above account is in legal dispute? AMEX had until (DATE 12+2) 2008 to provide me with the true copy of my original credit Agreement as requested under the Consumer Credit Act 1974. They are now in default of my request. Any account I hold with them is now in legal dispute. Whilst the account remains in dispute, they are not permitted to ask for any payment, nor am I obliged to offer any payment to them. Furthermore, whilst the dispute remains, they are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, they are not entitled to register any information on this account with any credit reference agency – or any third party. To register information with a credit reference agency or a Debt Collection Agency - they must have written consent from myself to collate and share such information. This consent is given in the form of a signed credit agreement, so until they produce such an agreement, you may not hold any information on me. The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. As you may well be the innocent party in this I am allowing you 7 (working) days to confirm in writing to this address that the case and all information relating to it has been returned to the AMEX. Otherwise any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office. Yours sincerely cbd Send similar to Amex and tell them you are still waiting for a true copy.
  15. I have this one saved in my documents - apologies to the original CAG member as I can't remember who I "borrowed" it from but thanks. How does unenforceable differ from enforceable with a court order only? When an agreement is unenforceable it means that the court or the judge cannot make a ruling on it. The court cannot make it enforceable. When an agreement is enforceable only by ruling of the court it means that the agreement can be stopped by the debtor but the court has the power to re-instate it and allow the credit to continue to enforce.** The Prescribed Terms are these A Amount of credit A term stating the amount of credit B Repayments A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following- (a) Number of repayments; (b) Amount of repayments; © Frequency and timing of repayments; (d) Dates of repayments; (e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable. C Rate of interest A term stating the rate of interest to be applied to the credit issued under the agreement D Credit limit This may be a term or the manner in which it will be determined or that there is no credit limit. -------------------------- Which of these applies to you depends on the type of agreement you have? For a Running Account (credit card) agreement BC and D Apply For a Restricted Use Debtor Creditor Supplier Where the dealer is the supplier and the creditor is the one providing the finance. The money can only be used for the purpose it is given. There is no interest on the purchase (the cash price is the same as the total price) And there is no advance payment A is applicable For a fixed Sum Credit Agreement A conventional credit agreement with none of the above restrictions A and B apply For a Hire Agreement B is Applicable This paper only covers section 127(3) of the Act agreements can also be unenforceable by contravention of sections 1 and4 this will be the subject of the next paper. Please note that these Prescribed terms where not changed in any way by the 2004/1482 Amendments although the form in which they appear on the agreement was. Subsection127(3) was repealed on the 6th of April 2007 so that unenforceability due to 127(3) will only apply to agreements executed before that date.
  16. Hi Tiggs (if I may be so bold:cool:) The 30 day part of the legislation has now gone so I would press ahead with the letter. I've got one to send as well so I'll try & keep it a little different lol.
  17. Yes, God Bless CAG and all who sail on her. (and Google lol). June, always remember DLTBGYD.
  18. Were they called Adrian Smythe Publishing or Anderson Clark by any chance? If so already well known to Manchester TS & DTI. Manchester Trading Standards have detailed advice and guidance on their website relating to this [problem], and other similar sharp practices.
  19. I tell them it's been in dispute from the date which is the 13th day after they signed for it.(12+2)
  20. Well done! All's well that ends well (as someone once said:-D)
  21. There was also an article in the Daily Mail a few months ago regarding TS closing down a nest of these different "companies" in one small town around Lancashire (I think).I'll see if I can find out more.
  22. Hi Guv Welome to CAG:D I would CCA them first & then see what you are up against as regards the agreements they hold on you. As regards the interest rate rip-off, I have just seen a great letter on CAG a couple of days ago & will try and find it for you.
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