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nunnyrose

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About nunnyrose

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  1. go to reply to thread, advanced not quick reply....scroll down the page past the box you type in there is a button "manage attachments" you upload any attachments and then select the files you want to attach to your post. hope this helps
  2. Hi Guys, Hoping someone can help, I am just completing an online response to Claim Form received in which I intend to defend the alleged claim against me. I am completing an Acknowledgment of Service and have reached a question I am not sure how to answer. Contest Jurisdiction You can choose to contest jurisdiction of the claim made against you. I intend to contest jurisdiction Yes or No guys please Also whilst writing you will notice that I am using my Cousin xxxxxxx account as I have yet to register, xxxxxxxxx is currently poorly and undergoing treatment she sends her best regards to you all x
  3. Hi fk Letter says yes, they will remove from cra, but it wasn't showing on file anyway.
  4. I'm helping a friend with a few debts a year ago sent a CCA request to Robbers way who couldn't comply. Just received a letter from Hoist - "we refer to the query .............As we are unable to resolve in a satisfactory manner, we have taken the decision to write off the account and cease all collection activities....." Although my friend is pretty sure she didn't have PPI, we are now sending an SAR to Captial One and I'm betting her that not only will there be PPI but also charges. Just for interest I'll keep you posted BTW, she's been cash cowed for years!
  5. Well I'm really surprised lloyds haven't sold it on so far, my friend started making token payments of £5 pm for about 5 years. This time last year I suggested she requested cca, wetcloths couldn't provide so she stopped paying. They write to her once a month to say account remains on hold. Lloyds haven't contacted her at all until recently, firstly to say they had refunded to the account an overcharge of interest from 2 months in 2010 (£80) She (me) wrote back asking for more information. They replied with the details and offered a £75 goodwill payment. We wrote back as the amount of the overcharged interest was wrong...should have been £86. They have now replied saying they will refund to the account the correct amount, + a further £12 to the account for a late payment charge and a goodwill payment of £150 by cheque direct to her. And backdating the default date as above.
  6. Still owned by lloyds, though wetcloths were collecting
  7. lol, this ones not my card....it's a friend who's asking. I don't mind helping out a few friends as it's all practice and learning for me. (mind you, I do think they should donate to CAG!) .....and the others are mine and Mr Nunny's so thankfully not all my debt!
  8. Thought that was the case DX just a bit confused as it's now gone from credit file. its a credit card.
  9. account was defaulted in nov 2010, token payments made until early last year then stopped paying as no CCA. Just received letter from Lloyds saying default registered on file in 2010 is to be backdated to 2008 and as this is more than 6 years ago the default no longer applies. Does this mean they can no longer enforce even if they produce CCA? is it SB even though token payments were made up until last year? Thanks in advance
  10. latest update:- received cheque today for interim payment whilst they further investigate As you suggested CitizenB, I did send a letter to back up the conversation - I also had to ring them last week as cheque hadn't arrived and I'd been waiting since 2nd Feb.... they hadn't even issued it! Anyway, once this cheque has cleared (apart from making a donation) I will write to them again and ask for an update. Huge thanks to all
  11. another update.... On checking their figures I didn't agree. in fact their figures didn't even add up correctly! ( sort of 2 + 2 = 1 ) They were asking me to sign and return a full and final settlement before sending me payment. so i phoned them and told them that as they had upheld my complaint and obviously owed me I would like my money please, and that I would be happy to accept their offer as part payment whilst they continue the investigation. After much argument they have now agreed to send me a big fat cheque as an interim payment without me signing or accepting as full and final. I've yet to receive it but will report back as and when
  12. I worked in the motor industry for many years. Yes, it's not uncommon for a vehicle to be registered before arriving at the dealership BUT the finance agreement would never have been signed by the customer until the point of hand over/delivery. The dealership will have received their payment for the amount you have financed so absolutely no way should those finance documents have been signed and processed until you collect the vehicle! It is fraud for the dealership to receive payment for something that has not been supplied.
  13. well worth it I've come to look at these claims as a sort of savings plan, lol. I'll report back here once it's settled so we can mark the thread title as success
  14. an update on this - at last! Lloyds have finally upheld my complaint I'm now checking their figures against my own before I accept their full and final settlement. It's only taken them 2 1/2 years !!!
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