Jump to content

nohappybunny

Registered Users

Change your profile picture
  • Content Count

    43
  • Joined

  • Last visited

Community Reputation

1 Neutral

About nohappybunny

  • Rank
    Basic Account Holder
  1. Hi. In that case can my girlfriend reply and ask for her money back? and then I can go from there with a fresh offer? thanks Mark
  2. Hi sorry guys.... To answer your question Seq, NO I did not write to offer a full and final settlement in advance, BUT there was written on the back of the cheque as well as on the letter saying that if the cheque is banked it is accepted as full and final settlement, and that they are to retun the cheque if not. I have actually not heard back from this company in question, but I also had an identical situation with Vodafone.. I sent a letter to Vodafone, regarding a Vodafone debt of around £345 That letter contained a cheque for £192 , a cheque which was written and signed
  3. Hi sorry guys.... To answer your question Seq, NO I did not write to offer a full and final settlement in advance, BUT there was written on the back of the cheque as well as on the letter saying that if the cheque is banked it is accepted as full and final settlement, and that they are to retun the cheque if not. I have actually not heard back from this company in question, but I also had an identical situation with Vodafone.. I sent a letter to Vodafone, regarding a Vodafone debt of around £345 That letter contained a cheque for £192 , a cheque which was written and signed
  4. Hi. I have sent a cheque (from a friends cheque book not from myself) as an offer of full and final settlement, the company has sent the cheque to a debt agency which now say they are now Administrating" the debt, but that is a side issue, the issue is that in the letter that I sent to them (with the cheque) when I made the offer, I stated very cleary that they do not have permission to bank the cheque unless it is in acceptance of the full and final offer. They have banked the cheque, and sent me a letter demanding payment of the rest of the debt otherwise further action will be ta
  5. Hi. I have sent a cheque (from a friends cheque book not from myself) as an offer of full and final settlement, the company has sent the cheque to a debt agency which now say they are now Administrating" the debt, but that is a side issue, the issue is that in the letter that I sent to them (with the cheque) when I made the offer, I stated very cleary that they do not have permission to bank the cheque unless it is in acceptance of the full and final offer. They have banked the cheque, and sent me a letter demanding payment of the rest of the debt otherwise further action will be ta
  6. Hi Yes we noticed that they did not mention this... is a difficult one to call, the person buying does not really wish to buy a full survey, they are buying cash, with no mortgage, so they do not need to get a survey done, this property had a survey carried out by the people who were going to buy it before, and apparently nothing came back on this (they pulled out as they found a better deal) hard to call really, not sure how to proceed.. I have a feeling that this is a covering backs statement... it states that we are ithin 250meters of a potential flood site... does not really help
  7. A Family member is buying a property, during the searches that solicitors have undertaken, the following was found under Environmental Searches. RPS Consultants risk management in association with home check professional. Contaminated land the RPS certifies that the level of environmental risk identified in the homecheck professional Environmental report is not like to be sufficient for the property to be described as contaminated land as defined by section 78(A)2 of part 11A of the environmental protection act 1990. Lending assessment As the subject property has recei
  8. -- Can some one tell me , what happens now once you send a CCA request, if they cannot produce the original, but your loan was POST 2007 , does this now mean for all loans after 2007 , loan companies now do not need to produce or have the original document and can still take you to court (and to the cleaners?) I thought I had a basic grasp of this CCA stuff, and now I have no clue... and there seems to be so many differing opinions..
  9. Hi Letsdothis... Thank you for your reply... but what I am looking for is for clarification on the law, or rther the nature of application forms/agreements, for my clarification and understanding of the law.. is an application form a valid agreement.. or can it be? is kind of what I am trying to understand.... I will in the very near future no doubt be posting replies to my cca requests... and I am anticipating at least one of these replies will be in the form of an applicaiton form...
  10. Hi All.. I have not actually had any replies from any of my outstanding CCA requests, however having read many many posts and I am still not clear on the law... I am very curious to know, if following a CCA request a creditor sends back your application form, is this acceptable and does it constitute a credit agreement? taking into account any of the more recent changes in the law.. (past few years) or does it depend on the application form, ie if it states "this is an agreement" Some clarification would be great
  11. Anyone got any other news on Park Motor finance... I am in a postal ping pong with them now, would like to hear other peoples experiences
  12. hi Elgrand... How did you go with your case? I am in a similar postal ping pong with a creditor at the moment..... and curious to know how you got on....
  13. Great thank you Postggj... am sending the follow up letter now ..
  14. I hope so...I amstarting to crack thanks
×
×
  • Create New...