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discod

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Everything posted by discod

  1. I earn 115 a week and get 43 a week child benefit that is it at the moment.My council tax benefit and housing benefit stopped when I came off income support on 26th April and they will do nothing until my working tax etc is sorted hence the stress I dont get anything for me and the kids dont get anything from dad as dunno where he is x
  2. Your lucky our CAB office is open for like an hour a week so its hard getting an appointment,dunno what il do
  3. Fight them every step of the way,dont give in! I have to fight for my sons DLA and everytime it runs out I have to do the tribunal again because I dont agree with their desicion.Be strong
  4. Heya after having my kids and going back to college I finally found a job! Started work on 26th April and applied for working/child tax credits.They received the form 25th May and said everything will be done by 15th June which is today. Rang them a week ago and was told forms etc all ok just waiting on finance dept.Rang them again today as deadline is up and got same reply saying waiting on other department but no theres no way to chase them up and no number for me to ring. I wondered is anyone else waiting on their payments? and if so how long have you been waiting Have written on other sites and some only put their form last week but have got their payments already
  5. LOL wanna hear something funnier,I had a letter from Lowells about a debt that was already written off due to no CCA offering me the chance to make an offer on the debt and let Lowells see if they will take up that offer and then I can pay them back......hmmm hows about 1p or simply NO!
  6. well im keeping the message but tbh there is no proof who it came from,if they would like to inbox me and prove who they are then fabulous and like you said if it caused trouble then yea ur right proves they were in the wrong
  7. Just got this in my inbox... Disco D u were an excisting customer no RTC was required as for being in our kitchen ,that is irrelevant ,u caused my partner problems for no reason, and when I see u and that slimey scummer ur with I will kick ur heads in HTH .. ponces lol what can I say
  8. I sent the account in dispute letter as the signature on the CCA does not appear to be mine and have told them so but they are still chasing the debt saying the agreement is enforcable and will continue to treat it as such. Will report them to trading standards but any idea what i can send cap1 in the meantime please xx
  9. Its coming from Simply Be themselves thats why the account in dispute letter wont work
  10. Basically I requested CCA they replied there is no legal obligation under section 78 of the CCAct to supply a signed or executed copy. They are currently unable to locate an executed credit agreement and accept they are currently unable to make immediate steps to enforce the agreement against me through the courts HOWEVER USUAL COLLECTIONS ACTIVITY ON THE ACCOUNT WILL CONTINUE AS I REMAIN LIABLE FOR THE DEBT. How can they say they cant locate an executed agreement but still want money anyways?
  11. Can somebody please direct me to a template letter to send Simply Be as they have failed to send me a signed CCA but are still insisting on collecting payments The account in dispute letter is for a DCA and not the original creditors Thanks would this one be ok? Address Date Dear Sir/Madam I refer to your letter dated (date) in which you confirm that you are unable to comply with my formal request pursuant to s.78(1) of the Consumer Credit Act 1974. However, despite being in default of my request, you have continued to make unlawful demands for payment contrary to s.78(6) of the CCA 1974 and the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I note that the Credit Services Association, in the first paragraph of its Code, state that members must act lawfully at all times. Furthermore, under the CPUTR 2008 failing to comply with a code of conduct to which you have subscribed is unfair trading. In the circumstances, I will not enter into further correspondence with you, and any further unlawful demands or contact will be viewed as harassment and reported to the appropriate enforcement agency. Finally, as you have failed to comply with my request, I require you to return the £1.00 fee without delay. Yours faithfully.
  12. Yes I had already sent the dispute letter as it took them forever to reply.Should I just send it again I ean how can they say theres no agreement(they can currently find) in one breath but will continue to collect in another?
  13. Requested CCA they replied there is no legal obligation under section 78 of the CCAct to supply a signed or executed copy. They are currently unable to locate an executed credit agreement and accept they are currently unable to make immediate steps to enforce the agreement against me through the courts HOWEVER USUAL COLLECTIONS ACTIVITY ON THE ACCOUNT WILL CONTINUE AS I REMAIN LIABLE FOR THE DEBT.
  14. Did this and had letter this morning says the following.... I understand that you believe your redit agreements with us are unenforcable as you allege that we failed to complete a Request to Call form 24 hours prior to issuing you the loan. You also allege that the loan issued was given to you in your agents home rather than your own and that the total amount payable or charge for credit is not clearly written on your credit agreements.Further to the previous points you also claim that we have breached section 10 of the Data Protection Act which states that you have 'the right to prevent processing likely to cause damage or distress' I can confirm that the three credit agreements that you hold with us are enforcable. As the three previous loans are 'further loans' i.e you obtained these after paying of previous loan issues,we were not required to complete RTC forms and if there were completed they were for our records only. I have spoken to local managment regarding your allegations relating to the loan being issued outside your home and must confirm that these allegations have been refuted. OF COURSE THE AGENT WILL DENY THIS BUT SHE IS LYING.BOTH MINE AND MY PARTNERS LOANS WERE TAKEN OUT IN HER KITCHEN,I CAN DESCRIBE IT AND HER HALLWAY/FRONT ROOM Local management have assured me that the loans were issued inside your home ANOTHER LIE however I can confirm that should the loan issues have been issued outside the home this would not make the credit agreements unenforcable Then just babbles on......so after the advice taken on here that the loans have to be takenout out in your own home and Provi saying it doesnt matter who is correct??? Thanks
  15. OK thanks will do.Would it just be trading standards/complaints because the site is a tad complicated
  16. Well its definitley not his sig he has always signed with his full name and surname not initial then surname. Il get him to report it to TS,should i also get him to send a letter to Cap 1 stating as they are not taking his request/query seriously that he has reported them and will no longer take any of their letters seriously or something like that? Not very good at wording things
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