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dph1976

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Everything posted by dph1976

  1. Thanks for this i think i will use it as partial defence how much interest should i add to calculator some statements say 1.941 per month for cash some slightly less also does this carry on accruing to present day thanks again
  2. its a egg credit card there doesn't seem to be much in charges would any interest be calculated to present day? thanks for advice
  3. hi i have posted before but it was a long time ago we had been paying £20 a month but couldn't maintain this so they have sent summons i fear im going to get a ccj however i feel as this i have not yet had a ppi refund plus interest the debt should not have been sold on as the amount is in dispute. i know im probably wrong but feel that all issues with debt should have been resolved prior to litigation. rant over thanks for your advice D
  4. Hi All i want to reclaim ppi miss sold to me by egg many years ago i have all my statements and have the figures however i cant find what interest was charged although i have just found "merchandise interest at 1.385 per month" should i use this (im not sure if it would be more if treated as cash) could anyone point me to a ppi calculator (spreadsheet) also would i have a case for excessive charges or has that boat sailed thanks in advance for any advice D
  5. Hi All i have had a court summons for a credit card from 2005. i was miss sold ppi from the outset can i use ppi miss selling as a deffence i think the debt was sold on to Marlin as it was ann egg card i have had a copy of CCA and had all statements thanks in advance for any advice D
  6. hi thanks in advance for any further advice D
  7. Thanks for this i am already have poor credit and am not really concerned about the CCJ i just thought it would save me the hassle and extra costs the other thing im not sure of is how i put my financial details on the form. do i include my wifes income as this debt is in my name this is not going to make much difference as her income is barely enough to cover the mortgage and arrears our main income is from foster care, which is largely none taxable however due to the nature of our business our income changes considerably dependant on the number of children we care for
  8. Hi All I have received a court claim pack for me to fill out a defence etc. I have a few issues so here goes. It’s from Bryan carter solicitors regarding a debt that Lowell have purchased The amount on the claim is £7952.90 + (8% interest) £590.91 + court fee and solicitor costs £290 total £8833.81 When i received the pack i called Lowell. they were very helpful and did give me some options I made an offer to pay £50 per month towards the debt but I also made it clear that I was going to be claiming for miss sold ppi. they told me th
  9. hi the 1st vist and second visit fees are on different days to the levy fee but basicaly the day that the enforcement officer came other charges were added that day levy fee £39 release fee £22.50 i asked about this and they said its to release the levy ( although they did not take possesion ) and enforcement officer attendance fee the 1st, 2nd visit fees are the same as the local authority as is the £39 levy fee but everthing else is different. thanks D
  10. this was december 2011 there were no advertaising fees as my car was never taken nor did they enquire with dvla to find that it was registered to me at my address the £110 enforcement officer fee they say is standard even though the councils own baliff says they are not and i should complain thanks
  11. hi all i wonder if anyone can help me i recently had to pay jacobs baliffs for council tax and charges they attended my property and placed a levy on the car outside my home i did not sign anything nor did they enter my home the debt is now paid. however when i had deallings with a local authority baliff i noticed significant differences in charges, the council baliff sugested i complain about these cahrges the local authority charges were £720 council tax £22.50 first visit £16.50 second visit £44 levy fee £11 possesion fee this debt was secured on my car which i a
  12. Hi all i wonder if anyone could give me some advice our situation is quite complex but here goes we are foster carers ( however this income is tax free ) so it is not taken into account for tax credits council tax benefit etc my wife works in our local primary as a 1 to 1 classroom assistant she works 25 hours a week and brings home around £6000 a year ( of course this income is counted towards benefits we receive child tax credit ,working tax credits and have just applied for council tax benefit, when i asked about the mortgage interest help we were told that as my
  13. hi all just wondered if anybody has any ideas re my last post?? thanks for any advice DH
  14. hi all anybody got any ideas re my last post??? thanks in advance for any advice DH
  15. hi all i am sending Cap 1 a letter regarding the sar asking for more info, teh missing month's statment and a copy of the cca ( are they alowed to send the same cca for a sar that they send for CCA Request? ) or does it have to be a copy of the actual cca?? also i want to reply to their last letter about th cca they are saying account is not in dispute etc also they are refusing to stop processing my data (s10) is this correct? im going to tell them again that the account is in dispute not only because of the lack of a correct CCA but i will also be claiming unfair
  16. thanks cerberusalert thats great i will get it in the post monday DH
  17. hi all i am trying to find a template letter regarding the cca (application form) i can find one that is when you receive a questionable cca but is there one for when a application is sent instead of the cca also it clearly says on the letter from them that "this is a copy of the exicuted agreement. have they just shot themself in the foot thanks in advance for any advice DH
  18. hi maroondevo52 i have deleted from the top of the letter the name at the bottom of the page is a member of their team or do i have to remove these aswell?? thanks DH
  19. hi thanks guy's missed that one i have re uploaded the letter thanks again for all the help and advice DH
  20. Hi Uncle Buck these forums are great knowelage is power i have also sent them a SAR and got back copies of statments only do you know if they have to send a copy of the cca with that also do you know if it has to be a signed copy executed etc? i am waiting for them to send me the missing month so i can work out the amount i am going to be reclaiming (it wont be far from what they claim i owe) kind regards DH
  21. hi all I have decided to start a new thread for HFC (marbles) like so many people, we have found ourselves in financial hard times we have a mortgage which is up to date ( for now ) our debts are all with credit cards after trying to come to arangements to pay reduced amounts having some succes and some that wont even consider it i stumbled on this site and spent a few days reading threads from people in the same boat as us to cut to the chase i have sent CCA and SUBJECT ACCES REQUESTS to all our credit cards they were all sent on 03/03/09 recorded signed for 1st
  22. Hi all I have decided to start a new thread for Cap 1 like so many people, we have found ourselves in financial hard times we have a mortgage which is up to date ( for now ) our debts are all with credit cards after trying to come to arangements to pay reduced amounts having some succes and some that wont even consider it i stumbled on this site and spent a few days reading threads from people in the same boat as us to cut to the chase i have sent CCA and SUBJECT ACCES REQUESTS to all our credit cards they were all sent on 03/03/09 recorded signed for 1st class
  23. hi all update! i sent a letter back to skycard asking for more information regarding the sar i sent as they had only sent all statments (nothing else) i asked them to send me all info and proof me signing upto the payment break plan i explained that i could not recal agreeing to the plan here is the response there is no mention of the payment break plan in the application it seems to me that they are saying you would have been asked and advised to join this plan at the start but we have no evidence of this any ideas?? also when i tried to claim on the p
  24. hi what can i do if its not properly exicuted? does that mean that intrest charged on spending is unlawful? DH
  25. hi cca and sar were sent to triton i called mint and asked if i should sent to them or triton they said triton when they confirm that there was no manual inervention i cant see how that is true as they had called me several times during the life of the card is that not classed as manual intervention?? i will send them a letter asking them to comply fully with my request would i also have a case regarding the cca they sent me?? current terms thanks for the advice DH
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