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smouk

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Everything posted by smouk

  1. AIC operates a "President's Club" for the alleged "stars" amongst it' number as they compete against each other internationally. When I first spoke to the gifted one he said he was going to make me bankrupt within six hours. Next time I speak to the gifted one it will be in Glasgow. Still, this doesn't necessarily help Boltmaker who may have had no dealings with this fragrant individual as yet.
  2. That would be Mr AndXXX "President's Club" GilXXXX?
  3. We have a court date - three weeks away - and an attempt at mediation (District Judge's recommendation) in the interim so I need to send all pertinent docs etc to A CERTAIN WATER Co. Anything specific I should be saying?....beyond the defence already filed plus supporting docs?
  4. Well, first things first, you need to give Cigna the opportunity to provide all the info so write to them and SAR them if the info seems dodgy. You need a copy of any pertinent policy documents too. I doubt Amex will consider any chargebacks or other disputes if it's been running this long. After 5 and a half years paying for what could turn out to be a quite legitimate policy I doubt you'll have grounds for any kind of "mis-selling" but there might be other ways. But you need the info first.
  5. I'm not sure what you're looking to achieve. Are you saying you have absolutely no recollection of this and would not have signed up to such an agreement? You could SAR the insurance co. if you think they're not being straight with you but there seems to be no evidence so far. If it's not a PPI contract then you've got to build a thorough case as there is little momentum on non-PPI matters. Amex and Cigna working together is pretty much irrelevant unless you can identify something underhand that has been going on, otherwise its just direct marketing at work. They all do it unless you tick the box to opt out. If you don't want the policy then it may be possible to surrender or sell it.
  6. I'd just call them as you have no dispute with them....yet.
  7. It's too much just for that (£16.34).
  8. That's hard to say until you talk to Amex. How did you apply for the card? If it was online then a missed tick box might have inadvertently opted you in to a scheme. But only Amex can actually tell you what they're charging you for.
  9. That's a lot for PPI. You really need to ask Amex first as they do have schemes for house and car insurance too which can be charged to the card.
  10. Hi Boltmaker and welcome. Have a look here to get an idea of the kind of ride you're in for with Amex and their assorted hired goons that will now be threatening you from time to time. Like my account, your account is old and I am certain they will not be able to produce a CCA and I would hazard a guess that if any notifications to you have been required they will have been done incorrectly and quite probably unlawfully. In particular have a look at dates and timings of any default or cancellation notices. A SAR is a good idea too, especially on an account this old. And finally, AIC. Was it the Glasgow office that contacted you and, in particular, was it a Mr AndXXX GilXXXX?
  11. Well that smacks of BS!. They're obviously unsure of their ground for some reason. What are the grounds for your appeal and when's it being heard? In the meantime I would suggest priority is to establish the origin of 42% - trace back the papertrail to its first appearance. If Amex did it without the courts say so then life could be interesting for at least one Brighton desk wallah.
  12. Editorial Private Eye 6 Carlisle Street, London, W1D 3BN, UK Tel: +44 (0)20 7437 4017 Fax: +44 (0)20 7437 0705 Email: [email protected]
  13. Okay, quick supplementary Q: When does litigation "commence"? At the filing of the claim?
  14. A little confused. I might be wrong here but you said that Bluestone had acquired the "debt" but you also mentioned them acting on behalf of Mini finance. If the latter is the case - which seems most likely - and Bluestone are being an intransigent and unnecessary pain then they can be told to spin on their thumb. It strikes me that no aspect of this is enforceable against you at this point so they are simply a spreadsheet harassment trick unleashed by Mini Finance in the hope of making their books look a little better week-by-week. I'd just deal with MF.
  15. If I understand it correctly your BF obviously gave your address to the police and it's gone through the process as his address. You can show that that was not correct - you might need to do a Statutory Declaration for that to have weight - but your BF then has a potentially bigger problem of giving a false address. How much was the original penalty? How much is the bailiff demanding?
  16. Obviously I want this brought to my local court (40 miles away FFS!) so I shall deal with that section too. Meanwhile, here is G: Okay, ignore the sectional numbers, they're just for my reference - depressive, dyslexic....a winning combination if ever there was! 1. This claim should be dismissed on the grounds that this action is unnecessary. We have made a substantial effort to settle this account and the account balance now stands at £0. The claimant, in seemingly ignoring our communication, has demonstrated intransigence and is intent on pursuing a claim for a relatively small sum, wasting time, effort and Court resources. 2. Aware of our arrears situation we wrote to A CERTAIN WATER CO. on 21/6/2012. The letter reiterated our ongoing problem with erratic income (both of us being self-employed), the poor trading year of 2011/12 and the significantly improved trading year in 2012/13. 3. Accordingly we set out a viable proposal for the reduction and elimination of the outstanding balance in stepped phases to culminate in a zero balance no later than March 2013 and, quite possibly, before end December 2012. 4. We also advised A CERTAIN WATER CO. that we would not enter into any dialogue with any third party. 5. No response was forthcoming from A CERTAIN WATER CO.. 6. We were however contacted on several occasions by XXX, a third party collection agency. 7. In accordance with our payment proposal, payment of £000 was made to A CERTAIN WATER CO. on 23/10/2012. 8. Nonetheless, this claim was issued by A CERTAIN WATER CO. on 19/10/2012 and was received by ourselves on 24/10/2012. 9. No forewarning of the claim was received from A CERTAIN WATER CO., in contravention of items 6, 7 and 8 of the PRACTICE DIRECTION – PRE-ACTION CONDUCT. 10. Contacting A CERTAIN WATER CO. by telephone on 25/10/2012, we were told that only a payment of the full amount of the claim - including court costs and solicitor's fees, and already an incorrect amount following the payment of 23/10/2012 - would prevent the matter proceeding to court. 11. No record was available of our letter of 21/6/2012. 12. Our proposed repayment planicon might possibly be acceptable to A CERTAIN WATER CO. - but only if it were to include the court costs and solicitor's fees. Furthermore, the plan would have to be returned to A CERTAIN WATER CO. as a component of the completed Court response pack. 13. The member of staff concerned was unable to answer any of our questions directly and had to repeatedly refer to a "colleague". 14. In accordance with our payment proposal, payment of £000 was made on 30/10/2012. 15. Further payments of £000 and £000 were made on 2/11/2012 and 21st /11/2012 thus eliminating the outstanding balance - in advance of our original proposal and, quite probably, most other A CERTAIN WATER CO. customers.
  17. Thanks Andy I'll draft a few paragraphs together in the next 24 hours or so. Okay to run it past you here?
  18. That will depend upon the scheme and the terms under which you qualify. Again, that will depend upon the scheme and the terms under which you qualify. I would be surprised if anything more than a bog-standard combi was on offer or potentially funded. I can't see them doing that somehow....but it can't hurt to ask. Not being funny here but are you saying that going from a potential £2900 bill to a free boiler isn't a win-win situation?
  19. Okay, firstly, a sour missive has been received from a Certain Water Co saying that they're proceeding with the claim for the £125 for "unpaid fees and costs". It's mostly a summary of the POC with a little more flesh though it mentions sending two letters notifying that "litigation was being prepared" on 12th and 29th September. I'll be darned if I've seen them. They've also taken the trouble to provide a "schedule of transactions" going back ten years! And secondly, an Allocation questionnaire (Small claims track) has arrived. It seems quite straight forward aside from [G Other information] so any guidance on what should or shouldn't be included here would be appreciated.
  20. First they collect doorsteps and now they're recruiting branches - how big must their shed be?
  21. When did you take out the (alleged) agreement? Are Moorcroft the first DCA to contact you? Do you have documentation from Amex re: Default, cancellation and notification to CRAs?
  22. Yup! Welcome to the "exciting world of financial services" as one DCA/DP once referred to it in a recruitment ad.
  23. Given the intellect of the typical Rossendales grunt we can safely assume it wasn't drawn freehand so must have been traced. An I.D. parade could be fun.
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