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  1. Hi all Checked my equifax report yesterday after a new alert. I notice that in the past 2 weeks i have 2 new seperate protective registrations on my report category 0. Now reading into it, I did not request these. Both warnings are within the last 2 weeks and 8 days apart with different case numbers. My name and address are on both. I haven't been to my property for 8 weeks as i'm living away and selling it so haven't had any letters about it. Can someone tell me if this is a bad thing or what it all means please?
  2. Today recieved a huge envelope with tons of terms and conditions, far too many to scan and a blank credit card request form, a statement of account and the usual letter "we can omit signature box" etc. Basically, they have bombarded me with about 60 pages of terms and conditions and a blank agreement. What do i do now?
  3. Ok, can someone answer me a question, when did the £12 charges start, this card is from 2004 so this "agreement" they sent me can't be the original copy can it, are they allowed to alter it? They say they can omit the signature and date of signature too. Are they just trying it on?
  4. I've put this together and would like someone to see if it's ok to send and advise me of any changes to make: ACCOUNT IN DISPUTE Thank you for your response to my request under the Consumer Credit Act section 78 which was received on 20th may 2009. I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves. As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act. Indeed all you have sent me is a current blank agreement with current terms, conditions and charges which did not apply to my account at the time. You have failed to provide me with the true copy I requested. You are currently in default of my request and I am therefore advising that the matter is now in dispute . Whilst the matter is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else. Please note you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies including any defaults. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.
  5. Ok guys sorry about this. What they have sent me is a current set of terms and conditions and what seems a blank agreement with the current apr and charges of £12 outlined on it, the card was taken out 5 years ago and so the apr is totally wrong. I don't think the letters above will fit the situation, i told you i was a newbie lol. The blank agreement is on the back of a letter which states "terms of your capital one credit card agreement". The letter starts "thankyou for your recent request, please see overleaf for you current terms of your agreement with us". For the rest of your terms and conditions please see the leaflet enclosed.
  6. Thanks alot xx. Only thing is this doesn't seem to fit because they won't be in default technically until the 28th may? Not that i expect them to send anything other than what they have by then. I'm new to all this so forgive my ignorance. I'm sure there is another letter about just sending terms and conditions, cerb are you there?
  7. Hi all Received a reply to a cca request from crap one today, not even worth scanning it up, it's just a copy of the current terms and conditions. Need to know what to throw back at them and when. Do i wait until the deadline to put account in dispute or is there another letter about them not complying with sending me my original agreement.
  8. Thanks, do they take any notice of these kind of letters?
  9. Dear mr loopyjuice Thank you for your letter dated 5th may 2009. A data controller is not obliged to supply any information under sub section (1) unless he has received a request in writing. Further, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identitiy of the person making the request and to locate the information which that person seeks. The bank policy is to establish the identity of the customer via a signature such that it can be compared with any other document (e.g. application) that we may hold. With this in mind, I must ask you once again to send fresh signed instructions in order for us to proceed. If we do not receive the signed instructions we are unable to comply with this request. Please find enclosed your cheque for £1. I apologise for the inconvenience this may cause. If you have any further questions, please contact our Customer services department on the number below. Postal order stapled to the letter.
  10. Thanks guys i appreciate your help, i think the only option is to sell the house before it gets to the point of bankcruptcy and in the mean time send off for the agreements. The car is paid for and if the house covers the debts will they let me keep it? My only other question that hasn't been answered in the original post is, do i have to attend court if i'm being made bankcrupt or can i send someone beause i really couldn't cope with it in my current state.
  11. Thanks cybermoth, i am in no position to take out a mortgage and don't think taking out secured loan on unsecured debt would be a good idea. My only income for now and the forseeable future is £80 a week from renting a room to a lodger. Even CCCS won't touch me as i'm not employed. The only route i can see the creditors going down is bankcruptcy or charging orders (of which i think would be the best option until they go for an order of sale), don't know what to do but would like to know what happens in bankcruptcy as in my first post.
  12. hi there I am in a mess financially and won't be able to pay my creditors around £40,000 (probably more in the end with charges and interest). I own my house outright worth at least £150,000. If someone makes me bankcrupt and they force me to sell the house would i have to attend court or can i send someone to represent me like my brother or parnter, i cant possibly go as i have agoraphobia/panic attacks 1. would they try to get a good price for the house or just auction it 2. when would i get my share of whats left 3. do they send a cheque for the amount left 4. how would i cash it with no bank accounts 5. could i i keep my car worth around 5 grand considering the house has enough equity to cover the debt and alot more Im just scared of losing everything, can someone advise on what happens.
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