No, it hasn't been acknowledged, nor have any payments been made in the last 6 years. I think you're right about starting the clock ticking again - I'd hate to send the CCA request and find out if we'd kept quiet for 6 months, that would have been that. It would be good to know if a CCA request would constitute "acknowledgment" of the debt though. :-|

Apologies in advance if my question has already been answered, I've searched and can't easily find anything similar. My husband has 3 defaults showing (satisfied) on his credit file at our current address for which I am about to send CCA letters in the attempt to get the information removed. My question is regarding a very old default registered against one of his old addresses, but which comes up as linked through Equifax/Experian. The default is listed by Olympian and is dated December 2001, hence I am unsure whether to "open old wounds" by requesting a CCA now or to wait until December this year and send a statute barred letter. Any thoughts?? :?

Well when I went to court (it was to defend a parking fine) the respresentative from the City Council said they had a duty to inform the bailiffs of my whereabouts and that Philips had the right to deliver a letter to me there. The District Judge didn't pass comment, but he did seem very slanted in my direction and I won the day. At the time I was working in the global headquarters of a large plc and, thankfully, there were no clients in the area. One of the lovely receptionionists threw him out, but needless to say it reacahed my bosses who weren't impressed. I was going to make a formal complaint, but I was just so fed up with the whole thing at the time - I suppose I still should.

Philips bailiffs - for turning up in my work place and shouting across a crowded reception despite my providing them with evidence from the court that my case had been reslisted Ultimate Credit Services - for misquoting DPA with the intention of scaring into submission, for threats of intimidation

Hi there Does anyone out there know what the transaction code CUI refers to please? This has come up against an unpaid cheque on my OH's statement and Natwest are being really unhelpful.

Phone call from garage today to say that all repairs approved under warranty!! Thank goodness for that.

Thanks for your posts, they have put my mind at rest a little. I think what really concerned me was the garage telling me they didn't know what was wrong, when all the time they did. Maybe it’s easier to say that than go through everything?? I'm going to give it until Tuesday and if I've still heard nothing, then give Nissan UK a call. Thanks again

The full story is posted here http://www.consumeractiongroup.co.uk/forum/garage-services/52588-nissan-warranty-repairs.html Be grateful for any advice

This is a bit of a long story I'm afraid! I have an 04 reg Nissan Xtrail and last Tuesday morning as I was driving to work there was a clunk noise and it ground to a halt. The AA came out and did some diagnostics, couldn't find anything logged in the management system and thought it was a fuel pump problem, so towed me to my local Nissan dealer. On Tuesday afternoon the garage rang to say they were sending the fuel pump away to a specialist, the work should be covered by warranty and that it would take 3-5 days, but worst case scenario was £1k (great just vefore Christmas!). They also said they'd keep me fully informed. On Friday morning I thought I'd give them a call only to be told that the specialist hadn't picked up the pump from them. They assured me it would be collected later that day, worked on on Monday so they would have something to tell me Tuesday, which was when I was due to go in and pick up a courtesy car. I went in at 8am this morning and was told that the pump had come back from the specialist, but that they had not included a report on what was wrong with it so someone would call me later in the morning. When I hadn’t received a phone call at 11am (I know – I’m anal about times being met!) I asked my husband to give the garage a call. He spoke to someone who told him the same story I had been told first thing, but also that they were awaiting authorisation from Nissan to take my engine out (odd, I thought, considering they still didn’t know what was wrong). By this time I was getting a bit cross that the garage couldn’t tell me anything after a week, so I rang and politely told the service receptionist that I wasn’t very happy that we didn’t seem to be getting anywhere. At this point she put me through to the garage manager who said “you’re the lady with the snapped fuel pump?”, to which I replied that I didn’t know what was wrong with my fuel pump, because I’d been told they were still awaiting a report from the pump specialist. The manager then proceeded to tell me that the front of the fuel pump had snapped off, the manufacturer had repaired and returned it, yesterday they had sent photos of the contents of my fuel tank and the fuel lines to check for contamination to Nissan and were waiting for their authorisation before doing anything further, although “as the boss of the garage I’ve told the men to take your engine out”. Now the my real question is, being the born cynic/worrier I am, is it a normal process for warranty works to be so long winded with authorisation etc and is it normal for the garage not to tell you what’s happening? I have had a diesel car for 10 years and NEVER put a petrol pump anywhere near it, but it’s almost like they’re looking for a reason that the pump snapping is my fault!! I’d be grateful for any advice on how to handle things going forward!! :?

Hi Carli My Mum and I both had issues with Talk Talk which were resolved speedily and to our financial benefit through an email directly to Charles Dunstone. I'm afraid I seem to have deleted my original email but I would suggest a detailed letter explaining your problems from beginning to end and listing dates/times of telephone calls, letters etc along with names of people spoken to. Charles Dunstone's email address is [email protected]. Good luck and keep us posted with how you get on! Chrissie

Hi Dee I'm sure we must be able to revoke the powere we gave them to take these payments in a similar way that you can give them notice to stop them processing personal information. Hopefully someone out there will be abel to confirm and give us some ideas for a letter template. In the meantime, I'm going to get some advice from the CAB and if they're eating into a state benefit then you could always use the letter of appropriation on the templates forum. I'll keep you updated!

Well after sending off my prelim and LBA and receiving all the usual replies, I had to put off starting my claim until I had the £120 fees. Then yesterday, I checked my bank account and Lloyds had deducted a loan repayment from my account although I had cancelled the direct debit (wanted to pay by cheque monthly). I called the Platinum helpline and the very surly Leanne told me that my account was with collections, I asked why it was with collections when it was in credit and she told me becasue I wasn't paying money in, which is absolute b*ll*cks as my salary and various other payments go in regularly through the month. She then said "I can see you've written us some letters about reclaiming your charges" so I asked it was retaliatory action to which she replied "no, I can't talk to you anymore do you want collections number?". I then spoke to Ginesh in collections "no one eles will speak to you whilst your account's with us - init?"!!!! Who immediately put my account back to branch control. Anybody else had any treatment similar to this/am I just being paranoid in thinking it's in retaliation to my charges repayment request? Also, does anyone know if I can revoke the authority I gace the bank when I signed my loan contract allowing them to take payments from my account automatically?

Thanks for that - I'm having a look now!

Congratulations!! I've just received my offer of full settlemtn. Do you think it'd be cheeky to insist that they pay me the full settlement by cheque rather than into my account? Can't see if they've done this for anyone yet?

Been offline for a few days and absolutely thrilled to read your good news!!

Wahey, letter received this morning from Hayley Marriott offering me full refund of £1299.64 as "gesture of goodwill" in exchange for dropping proceedings. At present my account is over it's credit limit - I want to stipulate that they only credit to my account the amount needed to bring it back within the limit and that the rest is paid to me directly. Any thoughts on how this would go down? Some help with how to format my acceptance letter would also be gratefully received!

I got the letter yesterday, but didn't have the energy to read it, so thanks for picking out the salient points! I think there may be a few more cliams coming in LTSB direction!!

The engineer's written report states concurrent it is with implosion damage,and the evidence for the FOS is in the 4 neighbours who have all had the same issues. I may be missing something, but I cannot see how we are we guaranteed to get the money back for an independent report?

Congratulations!! I'm at the claim acknowledged stage myself, so counting down hopefullly. Are CapOne paying off and closing your account with the settlement figure?

No independent report. CIS sent out engineer who told/showed us his conclusions, CIS then said they repudiated the claim because said engineer had concluded the damage was wear and tear, which was just not true! They are now saying that they will not change their stance until they see an independent report saying the damage was caused by Buncefield. We are complaining to the FO because the CIS engineer confirmed the damage was Bunceifeld related and yet they say it's not and refuse to pay out.

Acknowledgement of service received from court today. CapOne now have until 21 Oct to file their defence. I should be used to this wiating game after NatWest, but still makes me anxious!!

Just a quick update. On the advice of her lawyer my Mum wrote one last letter to CIS askeing them to reconsider their decision before sending off the Ombudsman application form last week. On Tuesday, along with the acknowledgement of the FO, came a letter from CIS stating "unless an independent survey instructed by yourself show's evidence that the damage was due to the BUncefield incident, we will not change our stance" I find this very odd, are they saying that if an independent report would make them overturn their decision without question????? Anyway it's up to the FO now.

MCOL claim number 6QZ64078 started today.

Hi there un1boy Many thanks for your thought provoking posts. CIS still repudiate the claim and it is now going to the Ombudsman. Strangely enough they have now suggested my mother gets an independent report, I can't quite understand why they would be suggesting this as surely they will disgree if the independent concurs with the implosion damage. Anyway, I do have faith in teh Ombudsman from past experience, let's just hope it gets sorted out soon.

An update! I'm furious!! Posted the cheque to hubby's branch last Tuesday and waited for it show online at approx 5 days as normal. Today still no sign of it. Called customer services and it appears to have been lost. Have justreeled off the following letter to Cobbetts: Is this too hard? I did think about reminding them of non retaliation guidelines, but thought I'd see what their response is first. Any thoughts greatly appreciated!!