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Goatan

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About Goatan

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  1. Could be some good news around corner about these http://www.bbc.co.uk/news/business-29816823 They may be forced to put disclaimers such as "We sell your application details on the best terms for us, rather than you." So here's hopping that will happen.
  2. It has been over 20 days since they sent that so i suppose that would be long enough to show they have no intention. With regards to previous adress thing i only have one other adress that i lived at for a few months with a friend but im back at the same adress i lived at before then and have been here for over 6 years. With regards to a complaint to OFT do i simply need to forward the e-mail them?
  3. well i will give them till the end off the month to make good on this threat then a nice complaint to the OFT is in order.
  4. Just had this from MMF with the same subject as the title of this thread. Mr Goatan,your file has been approved for legal proceedings at your last known address. MMF rely on this SMS re legal costs. 01138876876 Ref: blah blah Fully intend to ignore but i though others should be aware also this game to my e-mail adress not sms and was placed imediatly into the junk folder. BTW would this count as threataning legal action if they never follow through?
  5. A while ago i defaulted on an MBNA credit card. Later on noticed that all pof the debit woudl have been due to PPI which i successfully claimed back. However the default is on my credit file is still on my credit files and the Credit agencies wont remove it without MBNA say so. I believe i need to simply contact the department responsible for ICO compliance but i don't know which department that is.
  6. I have had similer problem with JBW and massivley overinflated fees and charging two different fees on one day. Seems to be a thing for them. They also made it very difficult to find who the actual bailiff was as letters where unisnged or a barely legible squiggle. They also clamped a car that didn't belong to me, JBW seem to be makeing a habit of this. Do you by any chance live along the m4 corridor. I ask as im just wondering if it is the same bailiff that dealt wiht me as its the same MO and i have been considering putting a form 4 complaint about them.
  7. Thanks for the advice TT. I do not belive this man is actually a bailiff also there is no form 7 i wont be able to contact TEC until Tomorrow afternoon anoyingly. If you could point me to a guide about how to fill in an N244 I can get that done also how do i seek a review or is the N244 the process of seeking a review..
  8. After having a run in with JBW a while back and i submitted an out of time application I thought all was fine until now someone for JBW has just put a clamp on the car I use, but don't own JBW have been told that I don't own this car so it is quite clear that they are doing this to harass. Aparently my appeal was turned down but this is the first i have heard of it. Were do we go from here as the car cant be towed as it is not mine. This has been done by a Mr steptow/e who is not a registered Bailiff at least not for JBW.
  9. I couldn't find my old thread so have started a new one but to be honest there wasn't much on it. Just received a lovely letter from MBNA denying everything that I have put into my letter (no surprise there) but they have upheld my complaint and are sending me a cheque. A quick blow by blow account I did the normal thing and sent a sar then i made a claim based on that SAR based on the fact i had been mis-sold due to being unemployed. They sent a letter back denying that i had been mis-sold due to it being an unadvised sale and that they given me all the required
  10. many moons ago I had a problem with NatWest and a payday loan they had paid despite me cancelling the debit card. after an initial complaint they reversed the payment but a few weeks later they re did the payment or should I say payments as they were taken in 7 chunks of £100. Anyway I went through their complaints procedure with no joy then the FOS who just rubber stamped their decision and thought that was that as i could not pay anything back at the time the account had massive charges and went into default. Just a few days ago i saw this BBC article http://www.bbc.co.uk/news/uk-1959
  11. I have just had a response from MBNA regarding my PPI unsupriingly they rejected as this seems a standard response from them. They claim first that i ticked the the box for PPI where as im sure it was already ticked secondly they claim there was information on a second screen which i have a problem with. I have drafted a response to them, at the moment it is very rough and needs some grammer correcting etc. but i thought i would put it up for comment as it would be relevant for most people rejected by MBNA as the information provided on a seperate screen seems a common
  12. hallowitch that is pretty much what i thought the "breakdown" is an attempt to justify there disproportinate charges and hope i will go away, big mistake this has got me more angry than ever.
  13. The debt was for a congestion charge. I looking to complain to OFT trading standards as well as a formal complaint to tfl as the "bailiff" they used is uncertified and no actual attempt was made to levy (witnessed by my family and a neighbour over the road.).
  14. Im currently in the porcess of writting up a copmlaint about JBW but i didn't want to send it off until i recived a breakdown of fees. they have now sent it anjd i have attached it. I was hopping for some advice as the breakdown looks highly suspiciou such as charging for a letter that was never sent and for attendance to levy when no attempt to levy was made and an attendance to levy and remvoe on the same day when they clearley had no intention of removing the vehicle they clamped as they had not tow vehicle. Please let me know what you think about it so i can invlude it in my complaint.
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