All, I'm afraid I have not been updating the forum with my case and all the developments. Since my last post, there has been plenty going on and it has all been in the very capable hands of Paul, who took this case on when we were close to giving up. Today, after almost 2 years after our first court appearance as LiP, we had our final hearing, represented by counsel and............... THE JUDGE FOUND IN OUR FAVOUR AND DISMISSED CABOTS CASE!!!!!!!!!!! I will check back in and try to fill you all in on some of the details over the weekend once it has sunk in. A massive thank you to Paul if he is reading this I am off to have a V. large glass of wine :-) :-)

Ahhhhhhhh - can't remember how to remove attachments!!!

bump

Hi guys. Just done a routine check on my credit file and notice that Equidebt have searched my credit file!!!!! My partner has a debt dating back about 5 years that they have been chasing as you will see from the post but it has all gone very quiet and not heard anythign for 4 months or so. The search is showing under the section 'searches made my individuals you may be financially connected to when an application for credit has been made'. So they have obviously checked my OH's credit file, and seen that we are finacially connected and decided to do a little search on me!!!! I understand that may happen when an application for credit is made but in this instance - firstly, I'm sure that shouldn't be checking his file without his permission and secondly what bloomin right have they got to look at mine?????? What can I do about this and who can I complain to as I am livid!!

Hi guys, I hope some one can advise me on this.... My OH is in field sales - selling his companies products to 200 accounts and merchandising are among his duties. He is basically his own boss, managing his own time and on a 6-8 weekly basis his line manager spends the day with him, effectively shadowing hi and monitoring his performance. Last week one of these days occured and at the end of the day they hadtheir usual 'summary of the day' chat. His line manager said he was issuing a disciplinary because some of his merchandising wasn't up to date and there were samples in his lock up that should have been in the field. OH explained that was impossible due to the sheer volume that he had and that his colleagues were in the same boat. He was told 'this isn't abut other people its about you'. Anyway, yesterday, he receivd a 'stage 2 written warning' referring to the stage 1 interview being held last week (i.e. the little chat the had atthe end of th day) saying that is his perfomance doesn't improve his contract will be terminated and that he had 5 days to appeal! We are in the process of writing an appeal letter but my question is; they haven't complied with statutory procedure but should we just say this in the letter or should we say WHY they haven't? I am writing this beore I leave for work so a bit rushed but will check back in when i get there so if i need to elaborate on anything, please let me know! Thanks!

Thanks Jasper. I will do that I think.

Thanks DX. I'm just a little nervous about giving them all that info, but I hear what you're saying. From memory, i don't think there were many charges on this aco****, but it will be interesting to see how much PPI was on the account. Thaks again!

Thanks,

Around March 2005.

i must admit i did wonder the same thing. Especially as it took them nearly 3 years to come up with this doc.

Mint is RBS isn't it?

No its my MR's card

Guys, before i respond and get too cocky with these guys....... could you let me know if, in your opinion this agreement is enforceable. It's certainly one of the better ones i've seen and seems to ocntain all the prescribed terms....... Equidebt CCA.pdf

I like your style! Will send them a letter and see how they respond......

sent a photcopy of passport and a utility bill as I.D. We did send an SAR to RBS but all they sent back was a list of charges applied to the account.