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CornishMaid

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Posts posted by CornishMaid

  1. Any reason why you don't dispute the debt....is there a valid Original Agreement then?

     

    The Judge wouldn't make you pay more than you could afford. I suspect they would have combined the wages, despite it being 'your' debt. The fact that he's your husband means it's got everything to do with him :-(

     

    Hi, can you clarify this quote for me please? As far as I know husbands/partners are not liable for their spouses debt and are not legally obliged to offer payment towards them?

  2.  

    also point pout to them that you have been reliably in formed that that you may have been making payments against a deficient or unenforceable credit agreement and that notwithstanding the foregoing you now wish as a matter or urgency to examine the credit agreement , to which end you have made a request under CPR31.16 in a separate letter, to establish whether you have a case to bring against them to have this matter under decided by a court .

     

    What the hell does that mean?

  3. , cause right now your taking advice from people who have pay as you go mobiles and spend most monday afternoons outside the postoffice.

     

    I'd rather take advice from them than someone who has no grasp of English grammar and who feels the need to SHOUT his username. Your/ You're??? And Post Office is 2 words.

  4. & saves all that having to write a letter/buy an envelope & stamp nonsense.

     

    Indeed - I've lost count of how much I've spent on Recorded/Special Delivery :-x

     

    I do enjoy composing a letter to the idiots though - I find it quite therapeutic :)

  5. Having sent 6 letters to Egg since February I am still getting the " We still haven't heard from you about your arrears..." bobbins on a regular basis.

     

    They quite blatantly have, as I have proof of postage and delivery but I wondered if there was another address where I could contact them (not the Pride Park one).

     

    They are demanding that I phone them but I said I'd be happy to as soon as they forward me the relevant legislation (which I know doesn't exist) which requires me to discuss matters over the telephone....they ignored that letter too :D

  6. I received confirmation today of refund from Halifax for mis-sold PPI on a secured loan - just over £1300!

     

    I'm absolutely delighted as times are hard for us at the moment and this money makes a lot of difference.

     

    Only took one letter and about 6 weeks - all thanks to this site. Will be making a donation as soon as the cheque clears!

     

    CM :D

  7. Hi,

     

    just checking that I'm right in thinking that there is no law which states that you must communicate over the phone with creditors.

     

    I think that they're "allowed" to contact you between certain times & so many times a day - can anyone confirm where I can find these guidelines?

     

    I have kept a log of all calls (often 6 messages in 2 hours) but I'm most p****d off about the fact that I've had no response to any of my letters in over 3 months. I keep getting the standard "...you have not contacted us with any suitable proposals for repayment..." letter. And yet I have - and I've been paying my reduced payments for 3 months too. :mad:

     

    Anyway, I'm going to raise a formal complaint now and just wanted to check that I'm within my rights to correspond in writing only.

     

    Thanks in advance, CM.

  8.  

    It felt sooooo good to zap a threat monkey.

     

    Beachy

     

     

    I like the sound of that!

     

    I now have another problem because after receiving my latest statement it would appear that a company has still been taking subscriptions from the card; the last one on the 30th March. This was cancelled in Feb but the company have a 30 day cancellation policy so have taken a final payment. So of course it looks like there has been recent activity on the card. Grrrrr :evil:

     

    However on my previous statement it said that the credit limit had been suspended and the card was overlimit - so WHY did they allow this payment to go through? As far as I am concerned the account was suspended and the payment shouldn't have been authorised. Simples. But obviously not for Barclaycard :???:

  9. Does anyone know how I complain about these fools? Their constant calls have got me at breaking point now :mad:

     

    I can only find a form on the OFT website for advisers to fill in - I know they don't respond to individual cases but is there any way to contact them myself?

     

    And who else can I complain to? I have put the account into dispute now and as far as I'm concerned they can whistle for their money ;)

     

    THeY MUST PAY FOR THEIR EVIL DEEDS Mwa ha ha ha (evil laughter :D )

  10.  

    Since they fell into cca dispute I've logged over 800 calls from them & Mercers - they are ruthless!

     

     

    Tell me about it - I've logged hundreds of calls - including 6 in less than 3 hours on Easter Sunday :cool: I had a reply to my harassment letter saying they were investigating but they still haven't stopped calling :confused:

     

    So you are in dispute but still making reduced payments? Cos that is what I want to do but am worried it will be seen as an acceptance of what they sent me (if you see what I mean?)

     

    CM.

  11. Hi, just wondering if anyone has any info regarding reclaims on this type of policy?

     

    We transferred our Halifax mortgage to a tracker rate in 2001. We were told that our existing mortgage payment plan with them was "inadequate" (the advisers exact words) and we would have to take out the new TMPP policy in order to qualify for the tracker rate. Being incredibly naive at that time and being on friendly terms with the adviser we did not question this.

     

    Having joined this site to deal with other financial problems I now feel that we were missold the policy, especially as it is essentially useless. The only extra cover it gave us was £2000 death/critical illness cover but our insurance premiums doubled.

     

    I sent a reclaim letter at the end of Feb but have received no reply - just waiting for the 8 weeks to be fully up before I make my next move.

     

    Would appreciate any information on success/failure on reclaiming premiums paid for this particular type of policy.

     

    Many thanks, CM.

  12. I'm sorry - I'm being incredibly thick here but even after trawling through this site for days I'm still not sure what I should receive :confused:

     

    Does the agreement have to contain a signature/address etc? Do they have to send me an exact copy of what I signed?

     

    I have read the legalese which defines what I should receive but it's all a bit wordy and I can't seem to make head nor tail of it :(

     

    Sorry if I'm being dim.

     

    CM.

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