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cdj59

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About cdj59

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  1. great minds im interested with this idea and would like to talk more on the subject perhaps privately to begin with
  2. http://www.consumeractiongroup.co.uk/forum/showthread.php?219623 see this cheerful thread and take heart that dca's arent as powerful as they like to think they are GUESS youve figured out im bored and thats why im still poking around here huh....
  3. http://www.consumeractiongroup.co.uk/forum/showthread.php?37319-Is-there-a-CCA-with-a-mobile-contract Found some interesting posts on this thread
  4. With full respect and just to clarify what my point was earlier i e guidelines I would have to just reply that i dont think you grasped the fact that if a debt company etc breach those guidelines they leave themself open to complaint and open to civil action even criminal action in regards to harrassment an so forth thats the point i setout to make as someone like you on here to help others and just to make it clear on your point above they cannot lawfully make any attempt to collect on a disputed debt nor should they make threats to force payment from anyone as to do so without informin
  5. With respect locutus A running account credit agreement s77_78 of the cca minus sect 78/1 which does infact allow a request under the cca rules .guess the dca couldnt be bothered to read beyond the first part possibly cause it wasnt suited to them and as for the single payment thing in reality its only being presented as a lump sum by the dca and o2 when if you where responcible and did have an agreement you would have been billed by invoice monthly for a set amount each month...sorry h8
  6. Creditor From Wikipedia, the free encyclopedia Jump to: navigation, search "Creditors" redirects here. For the 1889 play by August Strindberg, see Creditors (play). A creditor is a party (e.g. person, organization, company, or government) that has a claim to the services of a second party. It is a person or institution to whom money is owed. [1] The first party, in general, has provided some property or service to the second party under the assumption (usually enforced by contract) that the second party will return an equivalent property or service. The second party is frequentl
  7. Uhuh lol glad to be of service and currently im awaiting a responce from lowel portfolio who ive told 3mobile breached my contract way back in 09 and,despite resurfacing in april this year and selling the claimed debt to them and, saying that theyve got a clean bill of health, and im, responcible for that debt ,,im wandrn anyway ive told the dca to give me details of the court they intend to use if they choose to go down that road so three weeks and counting if they ply pressure again ,,then yep some good ideas to take forward from that post, ..lol and post 42 yeah its good aint it...your
  8. locust With respect, though as yet its not included in the consumer credit act there is a view being taken that if the simcard is the exclusive property of a mobile company then technicaly you are just hiring that simcard paying for call credit.. in the terms of mobile phone contract theres clearly stated that if you fail to make a payment then one of the options is to limit your credit so i suppose you could argue thats a difrent meaning of the word credit but essentialy its an exchange of cash for a service .. And with respect buddy the soul reason i brought up the credit act was in repl
  9. http://forum.davidicke.com/archive/index.php/t-47240.html full thread available here in respect of 3 mobile and o2 >debt collecting agencies > theres a few arguments on this thread which interfere with its main purpose and a suggestion of not acknowledging the court system which is a political viewpoint and one im interested in however in respect of not turning up at court to do with debt issues or dca court action against someone would not be advisable as such refusale can result in a ruling being made against you and will not do your defence any good at all should you have on
  10. Ok, for anyone interested. I had a good look around and this is what I found. I have now replied to the above email with this Dear Customer services Rep, Thank you for your email, the contents of which are noted. I must draw your attention to the fact that this account is subject to a serious dispute. On the 17/09/2010 at 17:13 I wrote to your company requesting that you provide a copy of the written contract, in this case the credit agreement upon which this debt, which you claim a right to recover is based. You will no doubt be aware that this debt is credi
  11. Respect q1 Not a lie exactly but they only stated one part of the act and by quoting 78/4 and leaving out 78/1 theyve tried to mislead you hence their statement to you about you not mentioning the specific act which can be viewed as a getout of jail card by blaming you q2 yep im afraid as yet im not able to post links coz of only having x amounts of postings here so i had to split that link up , and i sort of figured it might not work like that hence the reason ive copied the justice act and suggested letters from the thread there and the last post but1 from it is basicly a responce to
  12. yOU CAN FIND THE GUIDLINES VIA THREADS IVE POSTED ON I E.effects of debt on health and lifestyle...thats all folks
  13. The thing is i d theft while its a serious crime that should be reported i definatly agree with that but proof of it happening depends on evidence and if you stop to Think about it youd be hard pushed to supply evidence when the only person or persons who can provide that evidence refuse you access to it in preference to collect money from you placing you as ether an avoider of debt or just plain responcible regardless to the point of witholding the information that you can use to register a case of i d theft you might say obstructing justice by refusing you evidence that you can use to bo
  14. respect and simply put the guidelines are drawn up based on caselaw and are legally enforceable in a court of law or by intervention of the oft and asscociated gov bodies simplesz...see example just posted Respectfully without malice unless youve got evidence to the contrary its not a good thing to suggest to people that the ofts guidelines are not law..thats my point and with `out further argument i withdraw from this side debate as obviously the thread isnt intended for that purpose and im just correcting what i see as misleading by stating the facts end of....
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