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shantimar

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About shantimar

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  1. I have a SMALL claims action in place at the moment against Bank of scotland to reclaim hundreds of pounds of unfair bank charges . My initial court date is 16th NOV 2009 , however today I received via sherriff officers a letter from bank to myself and also the court staing a request to syst the claim at present until the OFT has heard the banks Appeal and decided whether the original ruling will still stand or whether the banks will win the appeal and have victory !!!! grrrrrrr So will this affect me with my action and possible victory ???? Or will the court say that because I
  2. thanks for that , the copy they have provided is very unclear , illegible , so this i thought would render it unenforceable ??? i have hinted re settlement and they are stating they feel it is perfectly enforceable and they wont correspond with me any further ??!!! can i not go to court / small claims to have debt rendered unenforceable or anything ??? I think i will move direct debits to my parachute account and stop paying , and see if i can get a settlement organised . u seem to have good record of succes , were these on your signature to do with charges or unenforcebla debts ?? what
  3. Re unenforceable cca debt , if debt is unenforceable do i have to offer a settlement ???? or can i just leave it as unenforceable ??? what do i do next , stop making payments ??? to allow debt collection / court action etc etc ??? what is the next step ???
  4. Thanks Guys , now that hopefully im in the right place, can anyone please give me any advice ??? MBNA CCA help needed asap >>>>> post edited to be minus personal photos, personal pictures, personal numbers, personal signatures, personal dob , personal telephone numbers, emails etc etc etc . I dont understand what people mean when they say that I have several threads merged?? wat am i doing wrong ? please can some clever people advice me if this CCA is fully watertight and enforceable or not ??????????????? seems very tidy and proper so prob not a stuck
  5. received this CCA a couple of weeks ago , it is pretty illegible ! Would the illegible element make it unenforceable ? also it doesnt contain much information re credit limit , apr, etc etc please help guys , need to know others opinions and also what i shoudl do next ?????????????/ thanks everyone and good luck to every one of us trying to fight banks !!! Pictures by shantimar09 - Photobucket
  6. MBNA CCA help needed asap >>>>> post edited to be minus personal photos, personal pictures, personal numbers, personal signatures, personal dob , personal telephone numbers, emails etc etc etc . I dont understand what people mean when they say that I have several threads merged?? wat am i doing wrong ? please can some clever people advice me if this CCA is fully watertight and enforceable or not ??????????????? seems very tidy and proper so prob not a stuck together fake job , but they have recently mentioned possible reduced balance settlement so have chase
  7. MBNA CCA help needed asap >>>>> post edited to be minus personal photos, personal pictures, personal numbers, personal signatures, personal dob , personal telephone numbers, emails etc etc etc . please can some clever people advice me if this CCA is fully watertight and enforceable or not ??????????????? seems very tidy and proper so prob not a stuck together fake job , but they have recently mentioned possible reduced balance settlement so have chased them up on this , waiting to hear back , does thi smean they are worried in case i find cca not to be enforcea
  8. CCA post link >>>>> xxxxxxxxxxxxxxxxxxxxxxxxxxx Pictures by shantimar09 - Photobucket
  9. HBOS and MBNA CCA posted here>>>>>>> My mother is really concenred becoz due to stress and hassle of all this with banks I have had to be prescribed antidepressants for depression and stress and she has been worrying that I may try and kill myslef ???!! I dont think im at that point yet , but u never know getting horrid letters day in and day out from these banks!!! wrote to HBOS last week re £500 bank charges reclaim ,as i am in hardship shd be considered sooner rather than later contacted ombudsmand re this tehy said they wld help if hbos did not blah bl
  10. edited for personal details , any further advice appreciated so much . thanks guys . First CCA is HBOS one , thanks xxxx (Edit)
  11. Mrs P , yeah ours seem to be both the same type of thing , just a copy of the application itself !! my copy being a dreadfully poor copy !!! Will follow the advice i have been given on here and see what happens next .thanks guys xx
  12. Thanks for your advice , This sounds promising , kinda what I have suspected , It would be excellent if this was to be the case !! if they cant enforce this , and depending on their reply to this letter , what should I do then ?? will they shut down my current accounts etc , generally be unpleasant to me etc ? Thank you very much , your help has really been most appreciated . xx
  13. Anyone know if this would be or is enforceable etc ??? I think or hope It may be unenforceable because : 1) Its illegible ?? 2) There is no stated credit limit ?? any advice be great . [edit] thanks xxx
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