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.

Have you carefully looked at the whole contract for any clauses that can help you? This particular term on its own seems badly drawn. Is that the exact wording? What happens if the tenant doesn't renew, but the contract continues on a periodic basis? 8.5% of what?

 

Is this not the answer?

Don't give them a new agreement.

Your electric bill would obviously be the best bet otherwise they will no doubt say they have no record of you informing them that you had moved.

The more people screw them for costs the less likely they will issue SDs in the future, so i say go for it

 

Regards

Me too & Good Luck:D

ps Yes, that's it.

Nothing signed & all showing my new address on Barclays letterheads.

Oh how we laughed (about 10,000 times actually).

(Hope this is correct place!)

Finally received my CCA this week from Goldfish.

The usual 3 months wait, bo****ing letters, etc, & then that dodgy feeling as you open the envelope.

"Here is your copy of the executed agreement & current terms and conditions."

http://i416.photobucket.com/albums/pp243/frank2468/Goldfish/Goldfish1.jpg

http://i416.photobucket.com/albums/pp243/frank2468/Goldfish/Goldfish2.jpg

http://i416.photobucket.com/albums/pp243/frank2468/Goldfish/Goldfish3.jpg

Now I've seen a few dodgy ones on CAG but come-on.

Are they taking the fish or what??

No wonder I dont get phone calls from them anymore.All the staff must have retired after winning the lottery (they must have a crystal ball as someone was sharp enough to print all of their "agreements" on Barclays notepaper 4 years before they were taken over!!!!

..and it would have been best to formally Terminate the Agreement in writing.

Sounds like they just carried on with the repossession route.

Strange that.

Hi WaT

Welcome to the forum:-D

When I read the heading I thought "bet the company begins with an N"

Should be N for Nightmare as they couldn't run the proverbial drinking session.

As you have a business do you still have your old bills stored somewhere & can you show when the changeover date was?

Having said that I think it is upto them to prove you owe it.

nothing in writing from them at all it has all been on the telephone really ?

 

i am a bit confused with the billing code though , If they sent me my first ever bill in say march would i have 13 months to pay ?

 

sorry if i'm being a bit thick lol

Clare was meaning that you wont start to accrue any "free" months until after february (ie your first year anniversary).

As they can go back 12 months you will need to be there at least 13 months to take advantage of the rule.

Hi Clare

thanks for the reply and for that link , will download the form to request my MPR

 

 

so would you say it would be in my interests to not chase it anymore untill after feb ( when 1 year will have passed ) ?

 

debbie

Do you have anything in writing to prove you tried to sort it?

If so, I would just sit tight & put the money aside.

Well done - I am so pleased for both of you.

Me too!

Just caught the thread today.

Personally I wouldn't bother with the RCN subs from now on either.

[problem].File It.

There are many similar ones on CAG in the archives.

 

If you're happy, then all is well.

 

Personally, I think BrightHouse got off lightly on this one. As has been pointed out to you in your original thread, BrightHouse may have opened themselves up for a very hefty fine had Trading Standards become involved.

 

I do hope you received a refund of all payments made on the item you returned, and the agreement for it was cancelled?

 

And if you are having to wait 10 days for a NEW console I trust you will not be expected to be making weekly hire purchase payments on it before you actually have it?

 

And I also trust you didn't get pressurised into taking BrightHouse "optional" service cover on a 12 month agreement for aBRAND NEW item (covered by a 12 months manufacturer's warranty - which is IN ADDITION to your STATUTORY RIGHTS) ?????

 

Y'know... I have this sneaking feeling that you'll be back....

 

Cheers

Lefty

Ahead of the game Lefty8)

Obviously prior knowledge of our friends at S**teHouse lol;)

 

they dont do this unless they are woried over something

this smells like welcome dont have an agreement

also they may not have a default notice either

 

I wouldn't reply - they could be sweating having received your request and trying to panic you.

 

 

Great minds think alike postggj

I wouldn't reply - they could be sweating having received your request and trying to panic you.

Anyone can knock on your door but you dont have to answer.

Chances of them paying someone to call "on spec" are pretty thin.

If anyone calls then tell them you are awaiting the CCA to see proof of the debt.

Then ask them to close the gate on the way out.

mmm putting aside whether the default notice is actually correct in iteslf, i have today, befoe either of the dates they mentioned and whilst the account is in dispute reeived this from BOS

 

http://i297.photobucket.com/albums/mm223/sussex1/bos.jpg

 

I gather from other friends these are their in house DC's. Do i just send them the standard, i'm surprised you have got involvedletter or is ther something else i should be saying?

 

thanks

I received the latest BO & Snott threatogram on the same day as my "agreement" landed from Halifax One - and it had only been in the post for 9 days lol.Coincidence that.

They were "preparing the court papers as we speak":-o and that was only about 6 weeks ago.

I received the one you have in mid-August if that's any help - I'd say you were due about another 3 letters before the "court papers" one lands.

Hi Gruff

Sounds like a bit of "offset" which they are allowed to do within the same group of companies but I think they are obliged to inform you of their actions.

If you read round CAG, both RBS & HBOS are in overdrive at the minute trying to snaffle every quid they can find as they are both heading for the buffers if you watch their share prices.

If they get much lower we could organise a CAG buyout & then shake them up.

SP - awesome again!

I could say I'm embarrased:oops: to be in such esteemed company with such great ideas:idea: but I'm sad to report:sad: that I've just discovered the new smilies :razz:and am in grave danger of being arrested for impersonating a 3 year old.

I keep trying to click your scales but am not sufficiently qualified or similar.

Is it only the thread writer who can do so?

thank you youve eased my mind Im being paranoid!!!! I hope. In the ten years ive thought of my debt often, thinking a silly thing to do but as times gone by its lessend. Since the friends visit is immenent ive been consumed with worry.

But surely you remember him/her from before?

Yes we all start getting irrational - every time a strange car pulls up outside, etc, lol.

Could never have done a Ronnie Biggs.

Ooooh I've just spotted some lovely new smilies.Here goes.:idea:

Hi Deb

Welcome to CAG:D

...and welcome to the wonderful utility companies we now have with state of the art systems.

You can spend half of your life trying to give these people money.

If you have proof in writing that you have contacted them about the supply, I would work out your likely tariff from their website & put the money "away" each month & have it there for when they finally sort things out.

The cease and desist is To send to harrassing debt collectors. Im being a little ahead of time but im trying to be ready for it when it happens. although I think the debt is statute barred, from what im reading here looks like these collection companies can be a nightmare.

It's always good to be prepared but if you're still abroad, with a changed name & two grand outstanding on what may be statute barred, then you're a l-o-n-g way down the queue at the minute.

They have THOUSANDS of sitting ducks over here to aim for - even though I'm sure one of the DCA staff would love a flight over to see you lol they wouldn't have waited a further 2 years.

Enjoy your friend's visit!

Yes, Oct 11th. I sensed things had started to change with the takeover - Also in the tone of their letters!

Will do as you suggest, budget sheet downloaded. Are they likely to accept such a small payment?

Thanks

I got the same letter beginning of Sept.

I you're genuinely skint & have no assets they will - they're taking £1 from me "to be reviewed."

October 11th? That was a Saturday (probably grabbing some overtime before they all get the sack with the takeover lol).

That would give them upto the 30th.

I would write to BO & Snott pleading poverty, send them a £1 P/O as a token payment.

If you are skint put in an income/expenditure list showing that's all you can afford.

hi (rory) and any other input much appreciated

fred international have sent a letter after almost a year of silence from other dca's (the last muck hall)....anyhoo cap 1 officially defaulted my account 26/01/04. I made the last payment june 2003. I think I may have acknowledged the alleged debt march 2004 with a dca asking for payment plan which was refused. Is fred likely to have this info?...I have not, since then communicated with any off a long line of dca's. Therefore my question is do think since i've made no payment since june 2003 this can be safely statue barred??

Also I believe bryan carter are conected with fred...is there any history of them attempting to sue in scotland?

dave

Hi Dave

What happened following the letter last year?

Did you just sit tight?

Hi OG

Welcome to CAG.

I can't advise, unfortunately, but I will bump the thread for you & follow with interest.

Good Luck.