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uktigger

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About uktigger

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  1. Hi All, Thank you for your replies. But it looks as though we are saddled with paying:| I'll let you know if I send a letter to the CEO of Royal Mail. If enough complain, someone MIGHT do something about it Thanks again uktigger
  2. Hi CAGer's, We have come to a decision to sell our 2nd car which we no longer need. We have come to cancel our car insurance with the Post Office, who insist we have to pay 80% of the outstanding balance. They say that otherwise it is "short term" insurance. Looking at the T&C's it is in black and white and admittedly we should have read this closer, but this is something that we didn't even realise we should check for. In all other cases we have cancelled insurance and received a refund. Even if you no longer have your car is this actually enforcable? Surely this is m
  3. Please can anyone help. My partner is filing for personal bankruptcy. I would like to know if any of my savings/assetts/future monies could be taken by the Court to cover any of his debts. I've looked on the internet and I believe the answer to be no, but I need to check!!! We are not married, we live in the same house, have seperate bank accounts and my name does not appear on any of his debts. Thank you fellow cagers U K Tigger
  4. Hi all, Well without any sign of an agreement or anything, a letter arrived today stating the arrears due on the account and guess what, they've added an extra charge of £1,500!!! This in effect doubles the arrears?!?!?! There is no logical explanantion or reason for the charge other than the account is in arrears. Surely they can't do this...on top of ignoring a CCA and CPR 31.14 and issuing court papers after receiving the requests. Any advice on how I should respond to the "added charge" please? Thank you UK Tigger
  5. Thank you people. I have put the fact that there were 2 requests for the agreement into the section that asks for documents i require the other side to produce. I also backed this up with copies of the letters sent to BH. Should I write to the BH solicitors pointing out their lack, or just wait for it to pass thru the Fast Track? Thanks Tigger
  6. Hello all, Right! So Black Horse have ignored both the initial CCA and the CPR 31.14. In the process they issued court proceedings (after they had received my request) which I returned to the Northampton Bulk Centre proposing defence. I have now received a Small Claims Allocation questionnaire which I am completing and returning. But...should I pursue Black Horse / their solicitors regarding the ignored CP.31.14 request? If so how please? Thank you in advance Tigger
  7. Hello all, Right! So Black Horse have ignored both the initial CCA and the CPR 31.14. In the process they issued court proceedings which I returned to the Northampton Bulk Centre proposing defence. I have now received a Small Claims Allocation questionnaire which I am completing and returning. But...should I pursue Black Horse / their solicitors regarding the ignored CP.31.14 request? If so how please? Thank you in advance Tigger
  8. Bumping up... all help very welcome Tigger
  9. Hi Padma and Harrassed Senior, Thank you for your links and advice. I have sub'd to Court claim from Lloyds TSB - Advice needed please which is looking quite similar. Todate I have submitted the defence to the Northampton Bulk Centre and the court referred it back to the bank to take it further or let it drop. So I have got the extension and waiting for the next communication from them. No I have not confirmed the date they received the CCA request, however it was sent by recorded delivery. There are a couple of options that are possible for me: 1. To send an 'account
  10. Bumping up....can someone point me in trhe right direction pls? Thanks Tigger
  11. It's quite amusing to just ignore the calls, don't answer the phone and (if you have 1571 or an answer m/c) eventually the messages left get quite desperate. When you're in the position of a good chance of an unenforceable agreement, sit back and have a laugh at the tactics used. Just take it slowly step-by-step Use the force, grasshopper Tigger
  12. Hi, Can someone point me at any threads/templates etc for reporting issues to the OFT. Specificall I want to report a bank for ignoring a CAA request and issuing court papers. Thanks Tigger
  13. All that I have received is a letter dated 15/10/2008 from 1st credit, introducing themselves (hmm), and telling me that SkyCard had assigned the full outstanding balance due under the agreementto 1st Credit Followed by the statutory demand as described above in post #11 from Connaught Collections stating that the original creditor is SkyCard, the assignee is 1st Credit. Hmmm... confusing? Can you expand on why I need to be sending the statutory demand to the OFT and what should I say to them please? Thank you
  14. Hi SkemDosser, Thanks for the reply. Well this is a CapOne affair and they haven't been able to provide me with any sort of valid agreement, and they have even sent me letter stating that they do not considerthe account to be in dispute, there is no more documentation and they will acknowledge but not enter into any further correspondence. So I think I have the 99.99% confidence of the uneforceability of this debt. So this is the next step down the line to disclosure. Tigger
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