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Everything posted by cw412

  1. I believe that HSBC keeps a monthly updated behaviour score on its customers which allows them to easily decide who to sell other products to. I wonder if anybody knows if people with only a basic account have this score?
  2. Hi All Sorry to ask again, but am still in a fight with Cabot. I sent the CCA request and was offered the attached below. Note that the date on the signature form is in 2005 but the summary box is from after 2006 when the CC late charges were changed, not the same. I received no default notice either. I sent the great letter off this site arguing the points and below is the response from Cabot finally received today. What does everybody think? Is it valid? I signed it but no date or any other prescribed terms. Thanks http://i386.photobucket.com/albums/oo307/cab412/halifax_cc.jpg http://i386.photobucket.com/albums/oo307/cab412/summary_0002.jpg http://i386.photobucket.com/albums/oo307/cab412/reply_0001.jpg http://i386.photobucket.com/albums/oo307/cab412/reply_0002.jpg
  3. Hi I spoke to Equidebt today to ask why a default notice is still listed when they cannot ever provide a credit agreement. They then started talking about another account they are chasing me for which I have told them I have sent a CCA request to the Co-OP for. The Response - I am trying to evade my responsbilities, I should pay now, I have no legal rights, I should never ask for a CCA, and any information on the net is a lie. This site is made up of people trying to dodge their responsbility and they know. I then had a great chat with they guy and got him very confused in the end. What are they like?
  4. Hi Does anybody have any advice on the way forward?
  5. I have been to a county court this week for a hearing on this account, following a set aside of the CCJ. The judge declared the agreement valid and said it does not matter on how many sheets of paper it is. It does not have to be on one side. The debt was sold to Capquest and the judge agreed that the account was not closed so no default notice was required. I therefore had no defence and lost. Should I appeal to the Court of Appeal? I am on income support and cannot afford to pay. The judge has allowed me only two weeks.
  6. Hi All Can anybody tell me what the definition of 1 month late is for credit accounts and loans. i pay a loan company sometimes a few days late and they are putting 1 motnh late markers on my credit file. Is this right? I thought 1 months would be 1 month. i.e. if payment was due on 24th december and I paid on 24 january is that 1 month late, but what if paid 1st january?
  7. Hi Does anybody know if T-mobile only reports to equifax. My account has appeared on there but nowehere else yet
  8. Hi again all I have a secured loan and due to my income I cannot always pay on time, but always pay before the next payment is due, certainly 14 days before. The loan company have now placed 2 1 month late markers on my credit file and I have argued with them that you cannot surely be 1 month late until 1 month has passed. Is this true? I have asked for them to be removed but they refuse. I have told them I want to claim damages for loss of reputation as well. What can I claim for? Is there any information I can send them? Thanks in advance.
  9. Hi Does anybody know which of the credit reference agencies T-mobile search when you apply for a phone?
  10. Hi All my situation is as follows: 1 CCJ set aside, defence put in. CPR request sent to claimants. 20 days later no reply. Can I ask for this to be struck out? Ho do I do it, do I need to see a judge? 1 CCJ defence going through. CCA letter sent 3 months ago. No reply, no documents. Court papers had to be exchanged by last Thursday. I did my bit, they have not replied. Can this be struck out? again the hearing is on Fruday 21st Nov, do I need to see the judge in person? Thanks all for your great help so far.
  11. Hi All I remember reading on here some weeks ago that a judge has decided that the required parts of a CCA should be on one side of paper. Does anybody know which case it involved?
  12. Hi Thank you I am 38 and currently studying a part-time law degree it is will be paid in a lump sum it could be a similar amount and I can keep lifetime rail travel and get my pension for the 4 years
  13. I wonder of anybody has ever been in this position. I was suspended last year because of allegations made against me. These were proven to be untrue. I was harassed by my manager and the person who accused me. I am currently off sick with depression and anxiety caused by this action. I now also have arthritis in my knees which gives me mobility problems. My employer can be sued for personal injury under the protection from harassment act and health and safety act. My employer is also not able to make reasonable adjustments and I can bring a case for this. I have been speaking to my union and an option I could have is to agree to a compromise agreement where I would accept 4 years salary, pension rights etc and agree not to take any action. Has anybody ever done this?
  14. I was in court yesterday and the Judge agreed to set aside a default CCJ that was obtained against me for a bank account overdraft. The Judge was unhappy that the claimants has sent a short letter with no documents stating that bank accounts are not covered by the CCA 1974. I now have to prepare a defence and have prepared the following. What do you think? I have taken out the personal bits. defence.doc
  15. This is all they sent and state in the letter that they do not have to provide any signed agreement. Well I believe they do..ha ha on them. So I have sent the account in dispute letter off this great site and today will send it to 1st credit who have bought this debt. No signed paperwork, no default notice, nothing else, just the above all stapled together.
  16. Here are all the pages they sent me http://i386.photobucket.com/albums/oo307/cab412/Letter.jpg http://i386.photobucket.com/albums/oo307/cab412/termschange1.jpg http://i386.photobucket.com/albums/oo307/cab412/termschange2.jpg http://i386.photobucket.com/albums/oo307/cab412/termschange3.jpg http://i386.photobucket.com/albums/oo307/cab412/cca1.jpg http://i386.photobucket.com/albums/oo307/cab412/cca2.jpg http://i386.photobucket.com/albums/oo307/cab412/cca3.jpg http://i386.photobucket.com/albums/oo307/cab412/cca4.jpg http://i386.photobucket.com/albums/oo307/cab412/cca5.jpg Of course to confuse them more, this card was originally with easymoney and not lloydstsb, they took it over.
  17. I sent a request for my CCA using the standard one from this great site from LLoydsTSB for a credit card they bought from Easymoney I receive a letter today that states: I enclose a copy of the current terms and conditions which applied to the above account. In compliance with section 78 and the Consumer Credit(Cancellation and Copies of Documents) Regulations 1983 this is a copy of the agreement we have made for the above account and it includes any variations of the terms of the agreement since we made it. We are not legally obliged to send you a copy of your original application as part of the section 78 process. I have enclosed a signed statement for the above account. Well.... I never asked for a signed statement, but he did anyway. I never asked for a copy of my application, I asked for a copy of the agreement. The terms and conditions are printed on 8 sheets of letter headed paper. There is no mention of me, my account, etc. no signature from me or them. I have therefore sent them an account is dispute. Is this right?
  18. My partner is in the middle of an employment tribunal and his ex-employer who he finished working with in October 2007, has had him followed from June this year. He wants to prove that my partner has lied about his illness although he has receive two specialists reports confirming the illness after extensive tests. My partner has done nothing wrong. Can he therefore claim compensation for infringing his rights? Has their been any law breaking by the ex-employer? The Ex-employer has already sent men round to our house to threaten to kill us.
  19. Can this default be removed? Is there a standard letter for the ICO?
  20. I have written to Freemans using the great letters from this site but to no avail. They are refusing to remove the default eventhough they are not chasing me for the debt and have agreed the agreement is unenforceable. I have attached below the letters received from the. I beleive they have got it wrong as the letter from the ICO in 2006 relates to something different. What do you think? http://i386.photobucket.com/albums/oo307/cab412/freemans.jpg http://i386.photobucket.com/albums/oo307/cab412/IMG_0003.jpg Is there a template letter for the ICO?
  21. I applied online for this account, but it is strange that it is not dated at the signature part but a typed date and time are next to the additional card. Also the account cover box is crossed and I have asked for money back for this PP as I was self employed and it would not have covered me. They have refused.
  22. Hi All I have a CCJ defence hearing in November. No CCA has yet been supplied but this is for a bank account with overdraft which I believe is not covered by teh CCA 1974. Is this the case and if so, what happens if I settle this account before the defence hearing. Do I still get a CCJ? or is it all cleared?
  23. I have now written to Capquest to tell them to stop calling me and yet they do. They called me again today to ask for the money I owe, eventhough they know I have applied for the CCJ to be set aside, and that the agreement is invalid. Any ideas on what to do now? I am going to write to the court with an update on the case and my complaint about harassment. I have not yet sent my final appeal to the court. What should be included and should I include a sample order or something?
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