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cas93

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About cas93

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  1. Hi I am having a simIlar battle with BC - they have only sent current terms and condition i response to my cca request. I sent the letter "in dispute" and now it has become really interesting! I received a demand from Mercers and I sent them the "bemused letter". Today a woman rang me from Mercers and I decided to speak to her-she said that she did not understand my dispute as BC have sent me my cca. when i told her that they had not complied, this was her response: BC dont have consumer credit agreements, when you apply for the card and receive it and start using it your terms
  2. Lucky you! I work with my hubby and two sons, and when they are working local (i.e. within 10 miles) they ring me up to find out when I am bringing lunch!! And chip shop just wont do lol cas
  3. Hi Tawnyowl yes things are starting to pick up for us now thanks, although the better jobs we have are coming from old contacts and repeat business. Have had to come up with some new ideas for advertising i.e me posting leaflets door to door! Which surprisingly, has resulted in some reasonable jobs. I hope the others who subbed have had an upturn too cas
  4. Hi BP I have had dealings with ARC and Trevor Munn over Virgin Active membership. They say I did not cancel my rolling contract and even though I gave them copies of my cancellation letter they still pursued me. However I will not pay, refuse to speak to them on the phone -communicate in writing only. I have heard nothing form them for weeks now! If you are sure you never signed a contract you should be fine. Also Trevor Munn is ARC's in house solicitor They will make lots of threats, but in my experience are easy to get rid of. Mine has been going on since January and they ha
  5. Cat just found this post on the forum it makes interesting reading www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/168245-distress-warrant.html cas
  6. cat it says on bailiff advice line hat if you contact the fines office and tell them you are on benefits they can stop the bailiff action and deduct from your benefits The Fines (Deductions from Income Support)(Amendment) Regulations 2004. have a look at their site: bailifadviceonline cas
  7. lol it should be bailliffadviceonline but when i copy and paste the link it comes up with teletubbies!! I think you should ring the court and explain your problems about not having notification etc. I tried to sort out same situation with my son, but they were not helpful, he was on a very low income and they wanted unrealistic payments. Maybe it will be different as you are on benefits cas
  8. Cat http://www.pilesadvice.co.uk/magistrates_icant.htm itsays here that if you have been ordered to pay an amount by the court and then your circumstances change you should notify the court immediately. I know your shavent changed but it does mention having small payments deducted from your benefits I think you need to read up on here. Did you receive any notification of court action? cas
  9. Cat you are classed as a vulnerable person if you are: unemployed a single parent I would definitely put a complaint in about the bailiff to the court. Also complain using Phillips own complaints procedure Write (or e-mail) Phillips with your offer of payment, making it clear you are vulnerable due to your circumstances listed above. You dont need to include the personal info abour your problems, I dont think they will take any of that into account. Stick to the facts: offer of weekly payment vulnerable due to unemployed and single parent (I am presuming here!)
  10. Cat what is the fine for? cas http://www.dca.gov.uk/enforcement/agents02.htm#part10 They can break if there is a distress warrant(it is an order from the court to collect payment) - because you are on benefits you are classed as a vulnerable person have a look at the site in the link above
  11. My husband said hes been wondering about that for years
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