Thanks BB what should the complaint be about? Passing it on to Albion when they should just be Seeking the arrears? As you can probably tell I'm not the best at putting pen to paper so any guidance on the letter format would be most wellcome thanks maxedout.

Thanks DX. No iv not got the agreement iv got an application form in response to a cca request and the ppi box is ticked on there but thats it. Do you think i should send it to the FOS a long with that letter they sent to me and a letter saying i belive they are trying to miss lead me by saying they have legaly not got to keep paper work because account was oppened more than six years ago and they are supposed to keep it for six years after account was closed ? Or should i write again pointing this out to them and saying the FOS will become aware of it if they dont sort it out. The request I made was to HFC but i belive the response was from HBOS as they now own all the Marbles cc accounts. Thanks maxedout.

Sorry to be a pain but would anybody reading this thread be able to look over my other one cos not sure where to go (hanks maxedout

Any ideas what I should do about Albion not heard anything back about the U.R letter thanks maxedout.

Bump

Iv had nothing back off the Halifax after i sent the letter saying i accept the unlawf recission. But a letter today from albion saying they want full amount and are collecting for the Halifax.They are the Halifax i belive? How should i respond any thoughts? thanks maxedout.

What does that mean rebel? Thanks maxedout

Hi, i wonder can anyone help i sent a letter to reclaim ppi from these and this is the response i recived. They are saying they have no copy of the application for ppi because they legaly only have to keep it for six years.Could someone please check the dates as i thought it was six years from when it would have been cancelled not six years from when it was applied for if it ever was.Thanks Maxedout. img253.pdf img254.pdf

B.B. Thank you for that i realy do appreciate it. Iv got other issues with a diff cc company and i think i got them banged to rights but im not sure how to go about this if i post up the reply from them should i start diff thread or keep it on same one even tho its diff card.Its for ppi and unenforcable c/a i think the timelines are wrong also iv got letter off them saying no recon so they wont try and inforce but will pusue it through a dca.This will be the 4th dca trying for it .Regarding the Halifax they not replied to the unlawful /r. thanks maxemout

Thanks Bazooka could you point me to where I could get a lba template thanks maxedout

Still no response from halifax regarding the SAR pity they weren't as slow sending out other things maxedout.

Can't belive this lot think they on the xmas cheer early.just recived statement off them saying account in arrears payment due by 14th dec.are they for real? Maxedout

I sent off for my SAR on the 11/10/2010 and they signed for it on the 12/10/2010 i have not heard any thing at all about it thats about 42 days ago. I belive they should have come back with it 40 daxs max .I have not had any confirmation off them that they recived it only the track and trace from the post office web site.I would be greatful with some help on this one.Thanks maxedout.

Thanks B.B and DX again for the help and input.I stopped the payments thats why they sent default notice. Iv not sent dispute letter i sent the i accept the unlawf recission. Im waiting for my sar to start the ppi route.Is there need for dispute letter now ?thanks maxedout. Is it a long thread then?

After getting a letter following a cca request that said the recon was fully enforcable i wrote and said no way. Have now recived a letter saying saying they are unable to supply a recon and as they cant provide the original T/C they will not try to enforce but will continue with the normal collection and C/R reporting.I thought that the OFT had said if there was no recon then they should not try to imply they had one and threaten to enforce.One other thing i will have to check date tomorrow but i think the 40 days have elapsed for my SAR to be returned.

I think that's the one DX. Would 2 statements off family members saying I had asked for their help but they were unable to help and one off a friend plus a savings account entry of there's showing they had the funds and would have paid the default but owing to such a short time scale were unable too. Would this suffice .thanks maxedout.

Thanks B.B what do you mean by this...it just matters now how quick they are to enforce this in the courts, thanks maxedout

Thanks DX and sorry waroo for the hijack I got a bit carried away thanks maxedout

Thanks B.B and DX for the help I Will send letter asap giving them the bad news have read that a judge ruled on one case that because the debtor did not suffer any predjudace the defective DN he had was valid.would you think as they terminated mine within the 14 days and not giving me 14 days I did suffer because I was not given chance to rectify.

Thanks B.B I sent them letter last week telling them I wanted a declaration that the agreement was unenforcable .In your opinion do you think it is or is that now irelavent.

Does the wording give them a get out of jail card? we have ended your credit agreement not closed your account.Also does the extra 100 quid they want on the D/N compared to the statement make any differance.when i accept their unlawfull resciscion should i point out why its unlawful Thanks maxedout.

The last letter they sent. img252.pdf

The default notice.which says they want 100 hundred pounds more than it says on the staement they sent ,either of them to be payed by the same date the 16th of november.Yes they sent a crap copy. img251.pdf

Think i got it this time lol. img061.pdf

Bazooka Boo .on the credit card statement it gives an amount to be paid by the 16th of november .This is a lower amount than what it says has to be paid on the default notice ,this was also to be paid by the 16th of november il try post up the documents for you to have a look at please.also should i state why its unlawful resciscion thanks maxedout