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Dolly G

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About Dolly G

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  1. Hi,Black Horse sent a further 2 Defaults while my complaint was being dealt with FSO.The last was December 2011 and in February 2012 the Black Horse Recovery Dept recovered the vehichle from my private car space at home. The amount paid still remains in accurate.I was not sent a Court Order or Notification of car repossession, No Court Order.Black Horse state that my entrance does not state Private Ground,they have not done anything wrong.In Scotland, can they repossess from Private property?( I had not paid a third as the account had been in dispute since Dec 2009)They have sold the car at au
  2. Hi Postggj, I phoned the Court today and the plan to defend this action. I have never had any experience in being in front of the judge . Welcome Finance have emplyed a solicitor based in the city of the court. I was planning to show as evidence the following: The 'Agreement ' in 2 seperate pages. Secured Loan. Shown on credit file as a Joint Mortgage. The security- States in joint names ................Show Certificate of Death. This security is blank no signature of my own or date + no WF Signature or date. I took the loan out in my own name. Terms and Conditions
  3. Hi , I am currently dealing with Black Horse. I have accepted their faulty DF Notice and since sent a letter accepting their repudiation.To date no reply I have checked my CRA File state shows Deliquent and I am unsure whether I should be taking them through the Small Claims system for faulty DF Notice. If you require my details + issues with Black Horse to help your dossier file with FSA . Dolly
  4. Hi All, My response from WF : findings are quote from letter The signed credit agreement that you have in line with the unfair Terms in Consumer Contracts Regulations 1999 as it was signed in 2003 after this regulation came into force.Therefore Welcome rejects your assertions that the fees applied are unfair. Today I have received correspondance of what they intend to do : WF - Challenge the jurisdiction of the court State a defence At the end of the day I am unsure of the right thing to do. My loan was secured and from reading this valuable site has many grey a
  5. Hi Steven Thank you for your reply. The OC is deducting the balance amount due + interest on the sum not paid in 2005. They failed to reply to IVA firm when contacted to submit a claim. I just need to identify if the OC in 2010 is able to recover this sum. Generally the answer really really matters to myself. Regards Dolly
  6. Hi Steven Thankyou. I now have been informed by OC that a £1000 will be retained from PPI repayment . In 2005 I entered a protected IVA and the OC was contacted by the IVA practioner yet they never made a claim. Discharged from IVA in 2008. From raising my PPI complaint the OC are now deducting the balance amount + interest due from 2005 . Does anyone know if this correct procedure? Many thanks for your help Dolly
  7. Bump Quote fro FSO Letter : I therefore assume that your statement below re. copy of executed agreement relates to a copy of the original loan agreement. Both you and BoS have supplied me with copies of this agreement, and as the copies were signed by both yourself and a representative of BoS, they appear to fulfil the criteria you describe below. I am not aware of any information missing or completed later in this agreement. Any advice would be very helpful. Thanks Dolly
  8. Hi All Could anyone take a look at these agreements as I have managed to get a response from FSO that they are correct. I would be happier if I could ask any team member for their view. Please the PPI amounts are being refunded - though my view does this not call the agreement APR rates in to question, or am I wrong? Any thoughts would be most helpful. Dolly G 2000.pdf 2002.pdf
  9. Serously Fed Up I will start looking for more evidence to support i was not the only one. Quote: I have a letter form them in 2008,admitting they were fined by the FSA regarding the sale of PPI. Unfortunately ,due to a system error a number of our account holders were sold PPI but were not sent the terms and conditions for the PPI.Therefore, they wouldn't have been aware of the full restrictions and exclusions of the policy. We have contacted all the account holders that were affected by this and have taken appropriate action.I'd like to assure you that your account was not on
  10. Notice of Default - American Express Hi Sent by 1st Class Post ,Letter Dated June 10 2010. Refers to Clause 7.2 T+C Variable Rates & Statement We can vary in accordance with clause 23.(Varying or Transferring This Agreement). To remedy this 14 days from the date of service of this Notice of Default. Since April this account has been in dispute as I am waiting a True Copy of Agreement. Only have a application form + T+C sent by AMex. Just would welcome any thoughts on how to respond. Many many thanks Dolly G AE Page 1.pdf Reverse Page AE
  11. Hello The issue is a PPI Policy Book or document to date form 2007. I have not received one this is probably not unique to me. Sure more experienced caggers will be more up to date. The point I want to make is do I take the Capital One ultimately to court it is not an easy decision. Many thanks Dolly
  12. No I had been in full time employment until I was made redundant, yes first time in my life. So what can I do except challenge in court. Dolly G
  13. Hi Capital One would not register my claim as I was not registered at the job centre and in receipt of any benefits..... Many thanks for replying Dolly G
  14. A Good Afternoon to Ida File and Seriously FedUp, Thank you both so much for such detailed information. I will work on this now and post up and print for application to Court. Here is my reply from FOS re: claim for PPI Repayments. I am disappointed when I required help in financial difficulties Capital One would not accept my claim as I was not registered with the job centre. Once again many, many thanks Dolly G FOS Reply.pdf
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