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wazir

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About wazir

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  1. They have agreed there is no CCA. Therefore there is no 'signed agreement'. They cannot go to court to claim any money. I am not reading any other websites as suggested, but trying to find logical holes as per the sentence above and my previous post etc. Which I've yet to see directly answered. I am aware the law is usually in favour of the big corporations, but this is not always the case and I am asking to see if anyone has had any success. It has been stated elsewhere on this site that a few people have got their CRA record changed, apparently without the alleged creditor agreeing. Also there have been payments (£500 and £8,000) for inaccurate records being placed with CRAs.
  2. Application for an Egg card was made in 2000. Points I'm arguing - if there is no CCA, where is my agreement to let the bank make submissions to CRAs? Do they need it? I thought it came as a section in the full CCA. The application specifically refers only to checking your credit record. Secondly, if there is no enforceable debt, than surely in a strictly legal sense the alleged debt does not exist?
  3. Only hope is maybe a threat of court action. Courts not easy to win, but some judges do take a dim view of companies bamboozling punters. Regulators generally seem to view genuine complaints as shysters, instead of the banks. This is despite the banks still actively pushing people to get into debt, whether they can afford it or not. Know a bank worker who got low marks (and no pay rise) for not hitting loan sales targets. But she said she thought it was bad for both the bank and the customer if she pushed loans and credit cards on customers already struggling. She was angry when in the mid 2000s she saw the former head head of Midland Bank (now part of HSBC) admit to a Parliamentary committee that they were all doing this. They still are.
  4. It was an Egg card. But no CCA produced when demanded . Only a microfiched application form. Lots of errors on Eggs part (no evidence of a credit check, without which application is invalid, raising of credit limit without notification, in breach of account T&Cs etc etc.
  5. Track and trace can be either signed for or not. As pointed out earlier, compensation needs to be claimed by the sender. And Royal Mail does get false accusations (as well as genuine ones) of theft, misdelivery etc.
  6. Posties are not allowed to deliver to someone outside an address unless the door is open. It could be an interception. No requirement for seeing Id on getting a signature from someone at an address. But there is a new deliver to neighbour procedure. Stickers are available to put on your door to opt out. Or the sender can address the packet with a note not to do this. So if the postie delivered to someone waiting outside and the door wasn't open they were in the wrong. But compensation is limited to the amount stated to RM by the vendor or less, depending on how it's sent. Special delivery mail can be insured to higher levels. Regular mail has a low compensation level.
  7. Bank agrees. But I have read on this site a few people have succeeded in getting their report amended without the banks agreement. But my main question is that if it is agreed that the alleged debt is not legally enforceable then in legal terms there is no debt. Therefore by listing it the Credit Reference Agencies are acting illegally. Is this the case? The bank agree there is no enforceable debt but have told Experian to list the alleged debt with a note it is not enforceable. They are refusing to recognise any wrongdoing. I have demanded compensation. I've seen two cases where compensation was awarded, one of £500 to someone who already had a bad rating and was told she'd have got more if her record was good, the other the £8,000 case. Which the bank has claimed is irrelevant. They offered me £100 'for a slow response' - but refused to alter the credit reference. Btw, got rid of various solicitors and debt collection agencies (Marlin was the last one) with two letters max. Demanding money under false pretences - no enforceable agreement yet threatening me with court. Mmm. Looking around these forums, if it is agreed there is no enforceable Credit Agreement, then there is also no consent to give any information about me to credit reference agencies. Another good argument? What's your advice? Thanks in advance.
  8. Bank has agreed an alleged debt (taken over from Egg) is not enforceable. But Experian have written saying that they have agreed with banks that they can list non enforceable debts. Apart from complaining that I am owed compensation for the incorrect listing until they corrected it, as I told them but they insisted only the bank could amend it, can I point out an unenforceable debt - which Barclays have told me in writing they agree is unenforceable - is legally not a debt and that listing it on the CRA site is libel? Therefore they must remove it and their 'agreement with banks' is yet another example of banks acting unlawfully and the CRAs are participating in this illegal action?
  9. Managers often take the minutes themselves, in more serious cases they may get someone else. The important thing is to put in amendments where 'the member' (not you, even if you 'assist' in drafting the amendments) disagrees with the notes. It's the member who signs off the notes of the meeting. If there's something you want recorded word for word, say so (and have it written down beforehand). The notes of the meeting are very important when it comes to appeals and Employment Tribunals.
  10. If you find a freedom pass, why not hand it in to the station staff so the person who has lost it can have it returned? Once you know what it is, you should realise that not handing it in is pretty appalling behaviour on your part, and its loss could be extremely distressing for the person who may be reliant on it. How would you feel if it was your elderly mother now unable to even use the bus until the council eventually replaced the lost one, when it could have been posted back in a day or two? Sympathy? Nope.
  11. TfLs Oyster admins have told me they only keep journey records for six weeks, not six years! That was when I claimed for overcharging as they never told me my Oystercard has to be specifially registered to get discounted travel when going outside my zones, this isn't automatic. (My annual ticket is zones 1-3, so acts as a network railcard - 1/3 off rail travel after 10am workdays, weekends and b/hols in the rest of SE England). They did give me £15 as they had no records
  12. I got caught once on the Metro in Newcastle, it was an honest mistake as I always brought a weekly pass for work and genuinely forgot to get a ticket when getting a metro to the train station to head to London. There are no barriers on the metro, I and got stopped by the inspectors on the platform at the station. I was able to show my previous two weekly tickets and just paid the fine (£5 back then!). But I didn't try to bluff it, so there was no intent. Not the case if you flash an out of date ticket on the way out and it gets spotted. In London there are windows at tube stations and staff at rail stations with barriers to approach to pay the fares on the way out. A bit hard to argue there was no intent if you didn't approach the ticket inspector.
  13. A few months on, it works when the regular postie is on a round - they know who's in, who will take items for neighbors, who doesn't get on. When they're off on leave/sick it's a bigger problem for the cover posties ('reserves', we're known as in Royal Mail). Yet to see the potential problems of theft (by neighbors, or - very rarely - posties) that this practice will make a bit easier (postie and neighbor can claim it was/was not delivered next door). But there is a real push on 'first time delivery' in RM now.
  14. How can they threaten to take you to court if they don't have the original agreement? Send an SAR (for all their communications with all parties regarding yourself and the alleged debt, and they cannot refuse to respond as this is done under the data protection act) to Restons and Arrow - if they can't produce the agreement showing the alleged debt, they are demanding money with nothing to back them up! Unless they get something in writing from you admitting you owe money? Be very careful with your wording when writing to them, not to make an admission of owing money. I've found another agency unable to show any contact with Egg/Barclays regarding an alleged debt at all! And this after threatening me with court action if I failed to respond within seven days.
  15. My rail company has stopped selling oyster, I go to a tube station to get my annual ticket on oyster. Although if Boris gets his way, that'll be difficult. I often order tickets online and pick them up from the ticket machine at my local station (the option is there, depending on the rail company you need to rder 15 minutes or two hours before collection), this gets the discount -and you can order from the edge of your zone, saving a bit more (from Wimbledon to Southampton instead of from Waterloo if you have a zones 1-3 travelcard, saves another pound or two). This means checking train times twice (the journey from wimbledon may suggest changing at Woking, you just get the direct train). Also be careful of times - travel after 10am on weekdays to get 1/3 off. However, the 2for1 offers on attractions if you travel by public transport only apply to travellers with paper tickets. No good if you go by oyster. I haven't tried booking on Oyster to use the tube outside zones 1-3.
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