Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited

Posts posted by joemay

  1. i think a bit of prompting would help....:)


    could you not maybe at the end of each month as a reminder (for a day or 2) change the message under the avatars to a little flashing box saying something like "Has this site helped you this month? Donations always needed to keep us going!"


    ive donated in the past but both times only when it was brought up in discussion on a thread.


    im sure there are a lot of people who would give a little but just need a nudge every so often (like me) :D


    I agree. But I think maybe a thread should be opened to prompt people to donate. How many of us are willingly to put a pound in a box/bucket when someone is collecting for worthy charities such as Cancer Research, Children in Need etc, etc. Open a thread, (with the link for donations in so that people don't have to go searching for it) and also ask for suggestions on other ways to generate donations, that way you'll always keep up the discussion and prompt caggers to donate.

  2. Hi Desigaand,


    If she's not an additional card holder, you've got no worries they can't touch her account. But if she is.......


    I had the same question, but being an additional card holder on OH credit card. I have posted below quote from my thread. I haven't managed to speak to anyone at FSA to confirm if they can or can't take money from a wife/husbands account, if they are an additional card holder on a credit card. Don't want to spook you but if the FOS are stating as below, who knows what the banks will or will not do:eek: One thing I do know is the credit card company in question are trying to claim that the credit card is a joint account:eek: which it certainly is not.




    I called the FOS. I was shocked to hear the guy tell me that it's could be possible for this to happen. I asked how that could be as I don't have an agreement with them, never signed anything, he reckons that the banks can link you financially. He told me to seek further advise from the FSA. Called them and no-one is available to spk to me, they could arrange a call back but it might not be 'til thursday:eek:


    So everyone take heed and as BRW has pointed out its so important to have a parachute account.



    I will try and get the FSA's take on this and i'll be sure to let you know.


    All the best


  3. Hi sussex1,

    It has been suggested on other threads that until you receive notice of termination or a letter confirming agreement has ended/terminated, then you shouldn't just assume that it has, they (banks/DCA's) can always state that the account wasn't actually terminated. Have you had a letter confirming termination?

  4. Just wanted to wish you good luck. I personally find this bank useless - they never responded to any letter which were sent from CAB or myself. They make me laugh with their slogan "Helpful Banking" they only seem to help themselves.


    On one of my statements there was a default charge, but at no point did I receive a default notice, and I don't honestly believe that they every issued it. I hope to be challenging this in the not to distant future.


    I'm sure you'll get all the help you need, so that one day you'll get the opportunity to rub that cake in their face:p


    All the best


  5. Thank you Joemay.. that's really kind of you... :)


    Did you get your Cashminder up and running after all?


    Don't thank me Spam, thank you - your the one that's been extremely helpful and supportive.


    Yes I did get it up and running, that's a hugh weight off my shoulders.


    Thanks again.:-D

  6. In the main, the letter needs to come from you as you have been contacted as a Joint Holder.


    But a bemused letter from your OH will also need to be sent.


    Should have gone on the 4th?


    Hi Vint,


    No actually, they haven't sent any letters or text's addressed to me, everything address to OH.


    To be honest haven't responded quickly as I can't see how the hell they could make me a joint account holder, because I'm not I know I never applied for credit card with them, application form only has OH details. As far as I know credit cards aren't joint accounts they only have additional cardholders.


    Anyhow, I know I've been told not to bother responding to their complaint letter, but I kinda want to - I'm fed up with banks pointing out to us that we are mis-informed or are wrong - I'd quite like the satisfaction of sending a letter telling them they are wrong and are doing the mis-informing.


    Thinking of sending letter from OH saying although helifax have stated they have done a THOROUGH INVESIGATION they clearly haven't.

    1. Not joint account - refute this and tell them they are trying to misguide & confuse which goes against OFT guidlines:p

    2. **Revolking license under english common law doesn't apply to debt collection - They need to provide written evidence, Until then it still applies that OH has revolked license:p


    ** can someone confirm that only a judge can decline this revoke of license and that there isn't something somewhere where it states "doesn't apply to debt collection"*


    want to end the letter stating that all of the other points in OH original letter still stand, but don't quite know how to word that.


    Obviously if you guys think this is a big mistake then just yell.



  7. I would get the letter off as soon as possible to let them know that it was not a joint account.



    Should the letter come from OH or should the letter come from me, considering that they are stating Joint Account, therefore suggesting that I may be liable, which we all know they can't as I most definately have not signed a CCA with them!

  8. Sorry Diddy, but shouldn't the letter state unlawful rescission, not unlawful repudiation as posted by pinky69:


    No. In law, if they issue a faulty DN and terminate the account it is unlawful rescission - it is quoted in umpteen court cases.


    Failure of a default notice to be accurate not only invalidates the default notice (Woodchester Lease Management Services Ltd v Swain and Co - [2001] GCCR 2255) but is a unlawful rescission of contract which would not only prevent the court enforcing any alleged debt, but gives rise to a counter claim for damages Kpohraror v Woolwich Building Society [1996] 4 All ER 119

  9. Hi mikexlr8


    OH has had a similar situation, dodgy DN. Sent a CCA request of to them, they returned a copy of an unenforceable "application form" with a cover letter stating that the agreement has ended, which in my eyes is confirming they have terminated the agreement.


    I have had some great advise from caggers and have acted by making a complaint to helifax, even pointed out that they have unlawfully rescinded the agreement their response: they can't find any record/confirmation on their file??? Take a look here it's a little long winded but may be of interest to you.


    All the best.


  • Create New...