Ok Today recived Letter from 1st Credit and the funny thing is they state client as HFC considering this is a Marbles Account now run by bank of scotland they are barking up the wrong tree and no CCA has been forthcoming or anything usefull here is the letter

would i be better going for ur now as they obviously have no cca and have terminated without sending default. I was disputing the amount owed not trying to avoid all payments

I received a number of documents from Santander the these were recived durring 1/2 term week ending friday 4th June. The First one being a loan summary sheet dated Feb 2010 showing a loan amount of £11,084.85 the orig loan with A/L was for £9400 plus PPI charges. PPi missold as was never able to claim as was contract worker supply teacher. there are a number of issues with this summary sheet also as the loan was 60 months taken out in 2001 and on the summery sheet shows 2 months left to run. I have had 2 sets of these docs one dated feb 2010 and the other April 2010 please note mistakes states loan still has 2 months to run orig 60 month loan from 2001 also states i owe nothing which i happy accept would of liked ppi (missold back but it does it matter) I know I have paid back £10'002.60 all data sent from A/L sanantder in following posts I then had the following threat from Rockwell DCA on 7th june I then got the next one on sat 19th June Please advise on letter to send this company please. ok here is the loan account statment dated feb 2010 docs2.pdf

:!:ok today I have now recived termination letter from marbles, again refers to a default notice (never had) also earlier letter states cant find cca agrement is this a UR job they also ask for card retun not had a card in years. heres the letter what advice anyone.

personly i would stop payimg account in dispute have you had a default notice prob sent from mercers. also if CSL have demanded all of your balance some of this may include unlawful charges they will have unlawfully terminated your aggrement (UR)

ok reckon the ur would be worth sending now. 1. Faulty default issued by mercers Nov 2009 for Arrears of £44 which includes some unlawful charges total balance show as £2371.33 2 Demand from calders for £120.42 Balance increased to £2407.33 dated 28th Jan 3. 10th March formal demand for entire balance sent by CSL balance £2407.33 4.30th march response to letter relating to doorstep collection etc. 5. 30th march letter offering chance to save pounds 6.19th April prelitigation letter 7. 25th June settlement offer of £962.33 showing balance of £2454.29 balance incresed again considering account terminated think they have screwed up big time has anyone got a UR letter to send and should i send to barclaycard or thier dca thanks

no afraid I have not as yet as was unsure who to send it too would guess it should of been calders after formal demand but not sure. please have look through my posts here and let me now which letter it relates to and who i need to send it too thanks.

hi Can you remember when you took the morgan stanley card out was it before the date of the terms and conditions and is your account number and signiture and date any where to be seen. in my opinion this is generic rubbish that could relate to anyone.

OK today I recived the following letter from CSL and as having issues with photobucket will type it in full. As they have not supplied CCA and Calders had already terminated after dodgy default what should i do know belive they have not got CCA hence this offer.

I think they are. Mine has now been sold off. I have had fun with mine for many years, dont belive i even had a default notice. I think pos had letter re termination about 5 years ago. Delt with CSL for years and they kept asking for more cash eventualy I stoped paying them. it then bounced arround lots of dcas no access to online egg account until autum 2009 when it told me account had only just been opened so no details then got CCA very old and full of errors also sent me someone elses details then several leters from Activ kapital with a so called notice of assignment no details of account numbers sod all so am awaiting test case results.

not 100% on this one but my personal opinion is i dont see quite how a tick box can be enforcable given the date but im probley wrong think only thing that could be wrong with it would be intrest rate calculations

Peter would not of even seen the agrement as the photobucket links earlier in thread did not work and the aggrement is one of those with the old approved limit so no prescribed terms the same as PTs court case

eok I recived a number of documents from Santander these were received during 1/2 term week ending friday 4th June. The First one being a loan summary sheet dated Feb 2010 showing a loan amount of £11,084.85 the orig loan with A/L was for £9400 plus PPI charges. PPi missold as was never able to claim as was contract worker supply teacher. there are a number of issues with this summary sheet also as the loan was 60 months taken out in 2001 and on the summery sheet shows 2 months left to run. Also this shows i owe £0.00 am being hassled by rockwell

have a look at gaz v egg

Ok today I recived the following Letter again from Activ Kapital still no egg account number anywhere on letter only a 3 letter code followed by 2 numbers as well as the web password number that obviously relates to activ kapitals payment system absolutly nothing on any of their paper work relating to any egg account. does anyone have a decent letter to send them. mine is also one of the old approved limit ccas.

So called notice of assignment (unedited this is how it arrived)

ok recived the following on 5th June along with a what alleges to be a notice of assignment have posted this up exactly as it is as contains no account number or anything personnel

Ok Recived the Following from Activ kapital on 20th May again still nothing from egg telling me supposed debt sold again no egg card account number so it could be anybodys

Ok recived the following Letter Demanding payment and threeting Termination still not recived default notice or CCA agreement what now

OK all need bit more advice on Saterday I got the following letter, please note the following address on envolope refers to address at a po box 8743 which i belive is a mail outpost centre same address on all RMA letters. 2. I have tried to locate solicitors but does not seem to exist 3 ammount owed has gone up again even though calders stupidly sent a formal demand for whole amount not just arrears which were on part of inital dodgy default from mercers. 4. Still have recived no statments since end 2008/begin 2009 no CCA and nothing from SAR so what to do now shall send unlawful rescinsion letter bassed on calders formal demand and also write to RMA telling account in dispute and go away any help would be great.

ok have now recived the following acount still in dispute re earlier letter to wescot have not as yet sent UR letter as as far as im aware this ac still belongs to allience and liecester new acount number not the same as was orig and dodgy default issued when one had been isueed years earlier what now please. rockwell 13-05-2010.pdf

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just looked back at earlier posts and note letter from marbles post 39 requests £401.45 not the amount they are now requesting

ok now have the latest letter asking for payment of arrears still no default notice or statments as orig promised. and still no agreement please a letter to send would be very useful thanks

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