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lorri-croft

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About lorri-croft

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  1. Hello everyone, I'm not sure if this is the correct place to post this...hope so. I wonder if I share a story, if anyone can offer advice please. 9 years ago, due to illness and family tragedy, my husband got into financial difficulty. Via the CCCS, token repayments to creditors were agreed an interest suspended. Since then, payments have increased in line with affordability. We have reapid a considerable amount, but still have a fair way to go. I know some will say, 'why didn't you try to go the non-cca, unenforceable route' but, all apart from one were helpful (I
  2. Hi, Thanks for your response. We had an agreement with MS but, when they went to Goldfish, they defaulted us and sold to Cabot. We've just been paying them ever since (they continued the existing agreement we'd had and we gradually increased payments). Have't checked Credit file to see what's currently on there (this was originally defaulted in 2008 so I think may still be on there as agreed repayment programme? Cabot haven't sent any statements at all. ..however, from the last letter we'd had April2013, the balance was what it should be (no interest ever added to d
  3. Hi, I wonder if anyone could help with advice regarding the above debt my husband has. Financial problems arose through genuine circumstances around 8 years ago. There were a number of creditors, most of which were very helpful in agreeing minimal repayment programmes, to which we have gradually increased payments as circumstances improved. Total debt has reduced considerably but, at current levels, still a few years to go before being 'free'. Recently, my husband unexpectedly came into a small sum, so he decided he would try to get one of the creditors to accept a r
  4. Hi underdog13 My second post re Statutory Demand they issued led on from this one (not sure how to link it..... Stat demand - ARROW GLOBAL LLC ***WON + COSTS ***) Perhaps someone could link it so you can read what went on ?
  5. Just for info, haven't heard a thing from AG since my 'go ahead if you dare' letter (see post 12/5/10)....long may it continue.
  6. Not sure if you've looked at this yet...it's scanned copies of all MBNA application/agreements in year of issue order (I just found it). If you can match the one you've been provided, you can see what years' MBNA application it is....it is clearly then not only an application if it doesn't have the required T&C's but is from a period AFTER your card was issued. http://consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/609-mbna-agreementsapplication-forms
  7. You haven't upset me at all Dannybro...I merely was trying to say you need to be sure of your own arguments as you just don't know what will be thrown up in Court (many have had bad experiences) so you need to be prepared. This same advice was given to me when I had an SD pending and it made me doubly sure to check any quote or advice given so I knew how to defend any AG's possible arguments thrown up in Court. You are more than welcome to use ANY info in any posts I've made. Regards. Lorri-Croft
  8. Hi Dannybro, Your card was originally A&L This from MBNA website: As you may be aware, MBNA has been providing the Alliance & Leicester credit card since 2002. However, Alliance & Leicester is now part of the Santander Group, and our relationship will be coming to an end. This means we are going to replace your card with one that carries the MBNA name. Did you say you applied for the original A&L card in 1998? If prior to 2002, T&C's should be from A&L? Perhaps someone may clarify this for you as I do not know. If this is the case, all you have
  9. Just a further update for anyone interested. Had to threaten AG with legal action before they sent cheque but it finally arrived. All went quiet for a bit, until a letter came with a copy of 'Rapid Reply Card' application and T&C's (not original ones...£12 charges showing). Just told them they were still in breach, would not correspond further until they provided a true copt of the executable agreement and that, if they tried to take to court with an application form rather than an executable credit agreement, I would make the Judge aware that I'd brought this to their atten
  10. Thanks for your prompt response Supersnooper. Can you (or anyone else) answer my question regarding the paperwork they have provided (Rapid Reply Card and T&C's-curent???) and their obligations under the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983? I would like to know definitively so I can include in my response ie. 'whilst you have fulfilled....under...it's not a CCA with prescribed terms' OR 'you have NOT fulfillled.... because...'. Any response received.
  11. Following advice above (and prior to taking any further steps), now received a letter from AG, included copy of a 'RAPID REPLY CARD' and T&C's (Current?). http://i151.photobucket.com/albums/s156/shaunieman/DCA/CCF21122009_00000.jpg http://i151.photobucket.com/albums/s156/shaunieman/DCA/CCF23092009_00000.jpg They feel they have satisfied my S78.1 CCA request and now want repayment proposals or will continue legal action. Does the paperwork above cover their obligations under the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983? If so,
  12. Hi, You helped me considerably to get an SD set aside against Arrow Global at the end of September. The judge awarded costs against them and a deadline to pay. As you might expect, no funds were forthcoming but I haven't had time to do anything about it yet. It's the principle more than the money (which was less than £300) that they should be brought to book over their blatant abuse of process that brings me back on here. Could anyone tell me what are my options/what is the best route to take to enforce this order? Thanks. (Sorry-titile should read Non-payment!!)
  13. Thanks lillywhite and MandyJayne for your congratulations. Shows what can be achieved with a little informed guidance from people willing to help you follow the correct steps. MJ,Good luck with your SD. Hope it goes as well for you.
  14. Thanks everso 42Man and Shadow for your congratulations and valuable input. Can't stop smiling!!!!!
  15. GOOD NEWS!!! Went to Court for hubby's SD hearing today. Judge commented on the affadavit being clear and well researched and asked where I'd got the information. Showed the 'pile' of paperwork I'd prepared (OFT Guidelines, LoP Act 1925, CCA 1974 and later amendment, which I'd got from OPSI and BAILLI). Judge read affadavit and said, 'I've seen this argument a number of times recently and, although in instances there may indeed be a debt, the (creditor) still need their paperwork in place. The other side have not turned up which is to your benefit. I am granting the set aside.'
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