oops sorry

I'm sure there was more than 13 last time or was i seeing double, and Jules leave the poor kitty alone:eek:

Bring your washing and we'll get the hotel to shove it in lol

I'll have you all know I wasn't sleeping, contrary to what the doctored evidence shows:eek:

After a sudden rush of blood to the head sol WILL be going and no more arguments:grin: Told you sol

Wiping the smile off their face when getting your refunds PRICELESS:D

Well you cant leave me out;) , I promise to stay awake this time tho lol

Well still nothing from messers B O & S not even a demanding phone call, but just got thid from moorcroft Now against the usual advise I have seen on cag regarding phone calls to DCA's I rang them. I offered the fact that this is in dispute and BO&S had clearly not complied with a CCA request and had they bought this alledged debt to which the very nice lady replied "no we have been instructed to collect" After mentioning the CCA request she asked me "is that what you want because I will make a note on the screen and we will get it" so I told her yes and a request will be sent by myself, recorded, first thing tommorrow, then she stated " We WILL get the CCA agreement, no problem we always get them":rolleyes: So duly sent yesterday. so wait and see time. What I would like to know is: How many DCA's can this be passed around to ( and the £1 each time) or am I approaching this the wrong way???? If the first one cant produce then the second one probably wont but where does it stop!!!

Thankyou pmhcfc. I've scanned the copy sent to me, hope this comes out, obvious details have been blanked, nothing on reverse or other papers just this single one. and reading through recent posts on http://www.consumeractiongroup.co.uk/forum/general-debt/36665-cabot-again-urgent-help.html still makes me think it is only the application, but, when you get that niggling doubt at the back of your mind its enough to drive you nuts

Hi, were to start,hmmm. I have recovered my bank charges from Halifax and in the process have started on my C/C, whilst I must say that it was in default, due to lack of money at the time, then it passed to Blair Oliver & Scott. I have Cca’d Bos on the 20th December by recorded delivery and received a copy of supposed agreement inside the calender month deadline, enclosed was a slip which states, handwritten, “copy of application as requested” so on further examination of said “application” I notice that it appears to be just that, an application, no terms and conditions , no credit limit or APR, just “Credit Card Application” on the top but also under that Credit Agreement Regulated By The Consumer Credit Act 1974. Is this a copy of a properly executed agreement or not???????? If not what course of action if any should I take. I have read many of the threads and subscribed to quite a few too and read so much my head hurts( especially tbern123 enthralling saga) but need to be clear in my mind that it is NOT an agreement . Thanks in advance for any info on this

Duly signed

Have a look in here for more info County Court Fees but just checking on fees/exemption and it states Your gross annual income is less than £15460 and you and your partner receive Working Tax Credit and Child Tax Credit between you. HM Revenue & Customs send you an award notice that shows your annual income. This is your gross annual income. If it is more than £15,460, the court may suggest that you apply for remission. If you receive Working Tax Credit, the award notice will show if you receive a 'disability element' or 'severe disability element' So you may not be far away as this amount differs from the earlier amount, have you got your last P60

The fee you will have to pay to the court will depend on the amount you are claiming, including interest. You will have to pay a court fee unless: you or your partner receive Income Support; you or your partner receive Pension Credit guarantee credit; you receive Income-based Job Seeker’s Allowance; your gross annual income is £15,050 or less, and you receive Working Tax Credit with a ‘disability element’ or ‘severe disability element’; your gross annual income is £15,050 or less and you and your partner receive Working Tax Credit and Child Tax Credit between you; If you show that the payment of a court fee would involve undue hardship to you, the Court Manager may reduce the fee or “remit” (say you do not have to pay) the fee. I would presume the cut off is the £15,000 as above so if you are below this you should be ok hope this helps.

Congratulations Guapa enjoy it

Data Protection Complaints – Information Commissioner’s Office (ICO) but they will take as long, i wouldstart court action for non compliance as found here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

NB: Please note that some County Court staff may not be aware of the procedure for these claims. It is important that you insist that the N1 is accepted - and that your claim is NOT a "pre-action disclosure", or a claim under "part 8". The Information Commissioner has indicated that these claims should be dealt with in the Small Claims track. Its in the library template http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html Had to use it my case for non compliance too

Because of my long running battle with Halifax and the possible threat of account closure, I opened a parachute account with Natwest, anyway I forgot about a D/D due out and they charged me £38, well to say I was livid is an understatement so I rang their Bangor office and asked for it back, guess what they said,.................NO WAY................... So I fired off a slightly edited version of a prelim but added a bit extra courtesy of the FOS Natwest Customer Lending Centre P.O Box 1130 Bangor Gwynedd LL59 5ZD 20th December 2006 Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: ********** After a few days away from home I came home to find a letter from yourselves indicating that you had refused to pay a Direct Debit of £27.48 as there were insufficient funds in my account, whilst I will agree that I do not expect you to pay the said D/D it is quite inconceivable that you therefore debit my account for £38 payable to yourselves. I believe that is classed as double standards, you not being prepared to pay some one else to make me go overdrawn but pay yourselves and making me overdrawn. After my telephone conversation with Mr Chris Rogers on 20th December 2006 to which you have refused to refund said penalty charge or to provide me with a breakdown of your costs I have no option but to proceed as indicated in this letter. Furthermore I must direct you to a recent statement from the FOS which states The ombudsman, Walter Merricks, said that banks should be paying customers their claims in full or explain why their charges are legal. "If they are not prepared to do that and they want to argue the point then I have to start down the road of investigating myself," he said. My request I am writing to ask you to refund to me the charge of £38 which you applied to my account on 15th December 2006 I now understand that the regime of fees which you appear to apply to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Blah Blah Blah............ Well it seems to have worked, today I had a letter informing me of a refund of £38. Not a lot I know but its the thought that counts Good start to the New year I think:D Best of Luck to everyone else

I would ring them as soon as they open, i know some courts are very busy but i would have thought you'd have received something by now.

Hows it going Guapa, any news??

Try this frenchcarforum.co.uk. Citroen, Peugeot and Renault Forum was affiliated to German,Swedish and French carparts supplier, cheaper than OE and mail order too GSF Car Parts, cheap car parts direct to you

Went to CAG protest and Xmas do and while i was there the wife phoned to say post had come off Halifax, Offer of full amount of charges plus 8% interest and court fee,............ Will be in my account within 5 days.............................................YEAHHHHHHHHHHH Must pm a Mod and make that donation:D Thanks for everyones help and encouragement, and dont be put off by anyone, you WILL get there in the end

Sorry jonni could'nt get back to pc, so too late to try that one, will they accept it by fax?, i'll ask while i'm there tomorrow just in case i need it next time;)

Well time for another update, filled in the N1 on the 8th November, sent by courts on the 9th "deemed served on the 11th, the Defendant has until the 27th November to reply" Guess what:lol: They have'nt!!!!!!!!!!! Phoned the courts today and they say i can apply for judgement after i sign and return the bottom of N205 form (Notice of Issue) which is sent to you after you file at court. Can't get there today so it will have to wait till tomorrow, another day wont matter, i've waited this long:rolleyes: I dare say someone will see this from Halifax (Cos they're watching) and will be panicking to either get a set a side(with some excuse like they never received it lol) or even dare i say it PAY ME!!!!!!!!!!!!! See what tomorrow brings

DUHHH:lol: See thats what you get for not reading whole thread, did'nt realise they had acknowledged. Knew i should have stayed in bed today

Hi aimee, It is entirely your choice wether you accept their offer, if you feel it is adequate then accept but if you feel that it is ALL of your money and you want it ALL back then write a letter of rejection http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html accepting as part payment then carry on with claim. You will only be able to get the 8% interest if it gets to court stage. And yes it is correct updating this thread Good Luck