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sandman131

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Everything posted by sandman131

  1. i am currently having 3-4 phone calls from robbinson way regarding cap one account, i have cca'd them and they have sent me the normal cap one agreement which i have told them is unenforceable but they keep phoning,sent dispute letter but they just say they have complied with the request,they now want to talk to my legal advisor when i am present to tell them why it is not enforcable,any ideas how i can do this as all info i have used came from this site?is there any free legal advice i can get to back me up?
  2. cheers thanks for the advice will write to them again as there is no payment going to experian,
  3. can anybody answer the remarks above from barclaycard??
  4. hello all,i have recently cca'd barclaycard and received a copy of the latest executed agreement but not a signed agreement,i have taken the next step and sent them the letter stating as thet had not replied in the 12 days and sent me a true copy the account was now in dispute.I asked they cease with processing data under the data protection act section 10. they have responded by sending me this:- A REQUEST HAS BEEN ISSUED ON YOUR BEHALF TO EXPERIAN LTD TO CANCEL THE 'CONTINOUS AUTHORITY' VIA THEIR BANKERS.YOU SHOULD ALLOW 31 DAYS FOR THE CANCELLATION TO TAKE EFFECT,WHICH SHOULD PREVENT THEM FROM PROCESSING FURTHER DEBITS TO TO YOUR ACCOUNT.HOWEVER IF THEY DO CONTINUE TO DEBIT YOUR ACCOUNT AFTER THIS PERIOD OF TIME,PLEASE TELEPHONE US. Can anybody explain how this affects my account?It has left me totally baffled?
  5. yes please move to egg forum to see if anybody can answer this one
  6. sandman131

    egg credit card

    wife had egg card started back in dec 04,wife filled in online form to get card,had card approved with a credit limit of £4500 to start with is this normal limit to start?wife had op in march 03 for pancreatic cancer and had not long finished chemo,she was also registered disabled back in about 1998{ has not worked since about 1995} so when filing online form put this down but she put me down as 2nd card holder as i am employed.can they enforce debt based on the fact they did not asked any medical questions when issuing the card?
  7. have sar natwest hopefully will get rewply soon
  8. had a reply from shoosmiths stating that because ccj has been awarded to natwest payment is due under the terms of the judgement rather than the original cca,bank is no longer obliged to provide info under section 77 of consumer credit act 1974.however they have ordered a copy and will forward it onto me in due course.they also returned my £1 payment to get my cca,what should be my next step
  9. yes we did but we asked for the payments to be set at £10 per month each as we have lots of debt {about £45k}before it went to court we were making token payment of £1 per month for about a year
  10. both ccj's done at northampton but have been passed to the local court because both have been taken back to court, mine to get a charging order over the property and my wifes to try and get a higher monthly payment,{charging order granted but they say will not be actioned unless i miss payments and wifes payment kept the same and not increased}
  11. sorry do we subject access the bank or do we send this via the solicitors for the banks
  12. we did not defend the ccj's because we did not know how to go about it,court papers we filed online,hopefully now we will be able to reduce the debts,if they cant find paperwork can they be ruled unenforceable
  13. sorry should have read £14k not £14,it is not my solicitor it is the solicitor who has taken me to court[shoosmiths},the solicitor who took my wife to court is irwin mitchell{they say they cannot give us any papers as they are not acting on the file.canthey really take you to court if they have not provided any paperwork to the court
  14. Hello i am new to this site and want some advise. My wife and i have debts of £14 plus with natwest{loan and overdraft} we have both been taken to court by seperate solicitors {shoosmiths and irwin mitchell}both cases were for the full amount each and ccj's registered against us both.we have now asked for agreements but her solicitor has told us they are not acting on her file but she is stilll paying them according to the court rules,my solicitor has been back to court and asked for a charging order in my name{wife is not on mortgage papers}we are paying the courts seperately for this debt, any ideas what we can do? we also have other debts we are have asked for the cca's but most of the dca are coming back with they will have to talk to the original companies,surely if they have bought the debt they should hold the paperwork!
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