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Alien8n

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About Alien8n

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  1. Why do I get the impression I'm the only person who feels they got treated fairly by HFC? Had a credit card and a loan, then lost my job (long time ago, working now) they lumped both together, chopped 40% off then agreed lower payments at 0% interest. Got less than half left to pay and the repayments are very reasonable (compared to what I earn). A&L on the otherhand, wish I could dump them, but would need to clear about 5 grand to clear the accounts first, thieving gits (mind, can't complain too much, the credit card is frozen at 0% as well, but that's actually MBNA, not A&L
  2. hmmm, may have to reword it as technically the account doesn't fall into default till next week (when I'll send the letter) However I've found the OFT letter template so I'll package the whole lot up once I've reworded it.
  3. Here's my reply, let me know what you think, just need to write the cover letters for the OFT and TSO: Ref: ######## Dear Madam Thank you for your letter of #date#, the contents of which have been noted. You have still failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On #date# I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. You have failed to comply with my reque
  4. I notice Jellybabe is at the same stage I am with Studio as well, so when I get the letter written up I'll post it so she can use it as well
  5. Good to see someone else sticking it to Studio, they're chasing my wife for 91 quid (was only 68 quid when they got the dispute letter). I like the way they say you can go to the FSO, shame it's a consumer issue so the FSO will turn round and tell you there's nothing you can do. As said, letter to Trading Standards, OFT, and local MP. As a parting shot you can also try Philip Maudsley Managing Director Express Gifts Ltd Burley House, Bradford Rd., Burley-In-Wharfdale, LS29 7DZ
  6. Ok, the gist of their reply is now we owe £91. Their claim is that they don't have to give us a copy, just infewr that they have one and the OFT and TSO accept that as good enough. They also claim that even if they don't have a signed copy the debt is still legal and will be chased. Time to take it up a notch I think.
  7. I'm currently disputing over 90 quid in "late fees" (yes they added more while in dispute, which is illegal). I'm about to get my 3rd letter to them done tonight after they've written back and told me that apparently them sending me a copy is good enough and they don't have to send me a copy of the signed form. At the end of the day 20 quid is totally unreasonable for what is an automated letter produced by a computer that never sees a human hand. That I know for a fact as I used to be the one running the print runs at a mail order company!
  8. Have a look at my thread about Studio (should be at top of forum atm) Studio sent me a CCA to sign and send back (like I'd fall for that trick) Copy the letter I sent back to them and change to match your details and circumstances and send it back recorded delivery. No signed CCA, no debt. I used to work in mail order, they are fully aware that any fees are non enforceable. I used to work with a company called Greetings Direct (mail order cards) and the call centre were advised that should anyone query the admin fees for late payment they should take the outstanding amount and w
  9. Personally I want them to just go away and admit they're not getting a single penny of their "admin" fee from us. Next letter going out after this one will be sent to the same office, cc'd to OFT, TSO, Watchdog and the parent group's chairman and CEO. A family member used to be a bank manager (he took early retirement as he refused to start applying charges to bank accounts, old school bank manager) and he's always maintained that if you have a complaint take it straight to the top, the last thing the chairman wants is complaints arriving on his desk so it's much more likely to get sorted out
  10. Sending them this Dear Sir/Madam Thank you for your letter of 26/03/09, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On 21/03/09 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account will enter default on 07/04/09. Requesting that myself should sig
  11. Sorry, I didn't make it clear earlier, it's not Studio Cards, it's just Studio (Express Gifts). Since I'm not prepared to assist them in committing fraud I'll be sending them another letter soon, I'll type up my response and post it here
  12. Sent them the initial letter regarding the late charges on my wife's account. Despite the initial bill being paid in full they still keep adding late charge fees to the late charge fees Anyway, got a letter back today "blah blah, thank you for your letter, blah" and, this I can't believe the cheek of... "Please find enclosed a specimen CCA. Please sign and return to us" So they have no signed CCA (which I knew they didn't have) so they want us to sign and return a CCA? How stupid do they expect me to be? Will type up the second letter tonight.....
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