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Vstar

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  1. Again, thank you all for the advice. There does seem to be some confusion around the England to Scotland issue. The another website seems to think Scots Law applies after 6 months This 2012 post had some info too. https://www.consumeractiongroup.co.uk/forum/showthread.php?344776-Now-living-in-Scotland-is-the-debt-statute-barred Anyway.... I always avoid the game of letter tennis, but i think I'll put another statute barred letter in, with an addition that the 2013 £1 payment was a statutory payment for a cca request and should not have been used for anything else. I'll
  2. That is good. The letter from Walker Love accompanied by the Account statement was in response to a statute barred letter I sent them. Would you suggest forwarding them a copy of the attached scanned letter from 2013 and replies from MKDP. Or just leaving it alone till they try to serve me? BTW Thanks everyone for the helpful advice!!!!
  3. Last payment was taken without my permission from my current account by HSBC mid 2010. I presumed the letter i posted requesting my CCA in 2013 would count as an acknowledgement of the debt?
  4. I can't deny that I got myself in trouble, that is true, though it was never my intention to be in a position that I was unable to repay. At the time the request for the CCA seemed to be the best course of action. Also, to be fair it (and I'm sure this is an argument that has been heard before) it quickly came out at the time that the thieving banks had blown billions, so i count my conduct as more of a misdemeanor.
  5. Hi, thanks for the reply. You'll note the letter I sent was dated 2013 to a previous holder of the debt. Having read about a bit lately there seems to be some different views as to what counts as being unenforceable, and I was wondering if it had changed?
  6. Hi all, Well... this one has been going on for sometime, and there's definitely been some skullduggery going on. so I thought I'd ask for opinions on the matter. The issue concerns a £6K HSBC credit card debt and crosses borders! Around the time I went to university I opened a HSBC account along with a credit card (2003). This account was opened in England. Fast forward a few years to 2009 and I (like many) was a victim of the financial crisis and back home with Ma and Pa, now living in the Scottish Highlands. I managed to keep repayments up until early 2010 when it was no
  7. Howdy All, Some time ago (August 2013) my employer issued a new contract for us to sign. Due to a few ammendments being required I have not been required to sign the contract until now. The problem with the new contract is that it includes a clause where I agree to reimburse my employer for any courses and expenses incurred if I leave within 2 years of that course being taken, and agree to deductions being made from any outstanding wages. Now I have had to do a number of courses necessary for the job (merchant navy officer) and along with accomodation the company will likely have sp
  8. Hello all, Firstly I would like to apologise for hijacking this thread slightly but I have been following this thread closely as I am in pretty much exactly the same position as Rudy, I have received a letter off DG solicitors that they are going to apply for a CCJ, or in my case a Decree I believe as I am now resident in Scotland. The account is in dispute for the same reasons as Rudy, I have had the same photocopied T&C's minus the signed credit agreement and the same letters off Metros etc, all have had similar replies to what have been recommended here. I do have a coupl
  9. Just a quick shout to say hello to everyone. This is a great forum and has been firmly planted in my favourites. One quick question when i click on a highlighted link eg for signatures (SignGuard Digital Signature Strip )I get the following message Vstar, you do not have permission to access this page. This could be due to one of several reasons: Your user account may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system? If you are trying to post, the administrator may
  10. This is a gret thread, I've written out my own letter and will be sending it tomorrow Vstar
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