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  1. Surely a judgement on a statute barred 'debt' would be worthless? I'd have thought I'd bloodied their noses too many time already lol
  2. Thanks. To clarify, I know they're soft searches and leave no footprint. Just wondering if anyone knows why they'd bother!
  3. Thanks. Was just wondering why they'd even bother with something so old!
  4. Hi all, this is with regard to an old Cap1 account which was defaulted in 2009 - and thus statute barred. Lowell have made 9 individual 'enquiries' on my credit account in the last two weeks. I'm intrigued... any thoughts? Thanks muchly
  5. Hello everyone, We bought an xbox for the children in December 2014 which we're having problems with - it keeps switching off randomly. I would imagine the warranty was 12 months, so it's expired. This 'turning off' issue seems commonplace - is there any chance I'll be able to do anything under the Sale of Goods Act with Argos? I've tried with Microsoft, but after 40 minutes online chat we're barely beyond 'hi'... I'm still trying now! Any ideas?
  6. Eldest daughter is just about to move out of a house she rents with three friends in London- it's rented and managed by one of the bigger London agents. They are all listed on the tenancy agreement. She's been there several years and the tenancy agreement has been extended etc. There is provision in the contract to move out mid tenancy, subject to a charge, and various conditions, including finding a replacement tenant. She's been made aware of the Right to Rent legislation which appears to apply from 1st Feb by the agent. Now, she's planning to move before 1st Feb, and they have a new tenant lined up and approved by the agency / landlord.. However, she's being told that the other three tenants (who are also within contract) have to have the Right to Rent check done- at a not inconsiderable charge - and that she's likely to have to bear the cost of this. As I understand it, the legislation applies to new tenancies. I would also have thought that said managing agent would have all the documents already on file to satisfy the legislation, taken as part of the screening and reference procedure when they moved in... She's also been told that the fee to change tenant is £50 more than it says in the contract that she signed.. Any advice would be greatly appreciated!
  7. Made the complaint to ICO yesterday- by their actions, they've admitted they were wrong. As of Jan 2014, when the last payment made, the account was clear and settled, therefore no right to process information. Admittedly, they thought they were right at the time, fair enough, but now they've admitted they're wrong they really ought to be going the whole way to putting it right. I'm about to write to them, as I suspect they've just skimmed the letter and if I can get them to consider it properly they might agree. I'm not going to waste any more of my life with court- there is little or nothing to gain by doing so. Ultimately, I've got 99% of the result that I wanted, and had it handed to me on a plate. I'm very grateful to CAG and everyone on the thread that has helped me, I can live with a couple of late markers if I have to. Thanks again, everyone
  8. Reply finally received from Barclays PF. I don't agree with what they are saying... The final prescribed payment was made on the account Jan 2014, all that was left after that was charges, which they previously admitted they weren't entitled to charge. They've marked the credit file with a '1' month late payment thereafter until May, when they've marked it settled. Ok, maybe I'm splitting hairs here, but they say in the letter that I've asked for the markers to be corrected as they caused me stress. Rubbish, I want them removed as the account wasn't one month late, and they've admitted it!!! Any thoughts?
  9. Paid in sufficient to clear o/d balance plus £40 charges for being overdrawn 8 days of April, leaving the account in credit... However, as it was overdrawn in to May they've added another £100 in charges (max permitted, apparently) and are now charging £5 a day. The account has only gone overdrawn because of the application of their charges. Under these circumstances, is the charging of fees caused by their fees lawful? Suspect I'm going to have to suck this one up as well, so for going £60 overdrawn (the account has never been overdrawn before) its cost £170 in charges over a matter of weeks. Hardly seems just
  10. Yep, PO Box. I should have known better. Will do as you suggest.
  11. Would have only sent 'signed for' had I read your email properly slick. Doh!
  12. Marvellous, £6 for SD and it got returned this morning! Checked the address and its the address they wrote to me from, do they not accept SD items?
  13. Stupidly used the wrong debit card for fuel without realising, Tesco pay at pump. The wife and I both have accounts with Halifax, cards look v similar, my mistake. As there was a couple of pounds in the account it cleared the transaction, taking me £60 overdrawn. As I never use the account, I didn't notice, and hadn't realised until I got a call to tell me about way over £100 of charges added / to be added. Absolutely my fault, not seeking to avoid that at all, it just seems rather harsh to levy charges at that level, so my question was the legality of the charges. Thanks for your help.
  14. That's not what they told me yesterday- it's a straight £5 a day regardless, for unauthorised overdraft. Appreciate the £10 buffer if you say that's the case, so let's use a hypothetical figure of £11- and even if it is capped at £100, that's rather excessive don't you think?
  15. Halifax are charging £5 a day for being overdrawn - irrespective of how much you are overdrawn. Is this lawful- potentially £155 charges in a 31 day month for being £1 overdrawn? Sorry, to clarify, unauthorised overdraft- even if they allowed it to go overdrwan
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