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adrianenler

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Everything posted by adrianenler

  1. Hi all Thanks for getting back ,yes i received a letter on friday from them,will be getting a reply off to them this weekend ,can't understand how they found out where i work ,i have started logging the calls if they continue ring me and my work I'll complaint
  2. Good afternoon all this sad person from capquest rang me on my mobile on monday ,i told him to put it in writing as i will not talking to him on the phone ,went i arrived in work this morning my superviser told me someone from the above company rang looking me ,and would i ring them back,if he ring me on my own mobile i am not going to let think hes got to me ,after all he hasn't ,if he should says to my employer whats it about ,what should i do
  3. I drive a bin lorry and feel that anyone who parks on a drop kerb should be booked
  4. Hi All Just to keep all up to date ,received letter today 20th from Moorcroft informing of intended litigation ,it gives me till the 22nd, to reach agreement ,the letter is dated 15th. was just going to send them copy of above letter.
  5. hi lollipop2 I new here too ,waiting for someone to advise me , i think your better of cca them first,
  6. Most of these companys are just like the bankers ,just out to make money for themself ,
  7. hi bazooka Boo Thanks for looking , I can only remember get a letter termintated the account
  8. hi postggj Thanks for looking ,yes they have terminated the agreement ,the debt has been sold to Varde ,I can.t remember getting a letter to that affacted , I moved house,and have misleaded some letters ,I have SAR MBNA about ten days ago , Ive wrote to Experto who are act on behave of Varde and told them that Iam awaiting a reply ,to see if this keeps them of my back .
  9. hi all After reading some threads about default notices , in my default notice which Ive posted ,it asked for the full outstanding balace ,my understanding from the threads is they can only asks for the arrears . perhaps someone could confirm this for me.
  10. Hi All Was wondering if someone could check this CCA Theres a couple of things I’ve noticed Below ,where the Rep wrote Halfords Belfast ,there is three question ,all three ask for initials and to tick yes ,I did not initials or tick ,I can only thing the rep put my initials and tick the boxes Payment Protection Cover , There is no tick in the yes box ,but on my credit card statements I was paying it ,and I can’t remember been asked about then or at anytime The box below my signature , says for representative use only, the representative name is in block capitals with his ID number and above his name he wrote bank card, there is no date On the back at the bottom is the terms and conditions http://s904.photobucket.com/albums/ac244/adrianenler/mbna/?action=view&current=mbna001.jpg http://s904.photobucket.com/albums/ac244/adrianenler/mbna/
  11. adrianenler

    Mbna cca

    http://s904.photobucket.com/albums/ac244/adrianenler/mbna/
  12. Hi all Just to keep you all up to date,I ve sent a complaint to ico ,will keep you all up dated
  13. adrianenler

    Mbna cca

    Hi All Was wondering if someone could check this CCA Theres a couple of things I’ve noticed Below ,where the Rep wrote Halfords Belfast ,there is three question ,all three ask for initials and to tick yes ,I did not initials or tick ,I can only thing the rep put my initials and tick the boxes Payment Protection Cover , There is no tick in the yes box ,but on my credit card statements I was paying it ,and I can’t remember been asked about then or at anytime The box below my signature, says for representative use only, the representative name is in block capitals with his ID number and above his name he wrote bank card, there is no date On the back at the bottom is the terms and conditions
  14. Hi Elsa once again a big thanks for all your help adrian
  15. Hi all Just to update ,received this letter in answer to my letter ,which Elsa advised me to send ,just wondering if anyone could advise me what to do next ,I’ve received letters from Robinson way ,saying that the debt has been passed to them ,your advise is much appreciate http://s904.photobucket.com/albums/ac244/adrianenler/?action=view&current=14july2001-1.jpg&t=1282581569240#!oZZ2QQcurrentZZhttp%3A%2F%2Fs904.photobucket.com%2Falbums%2Fac244%2Fadrianenler%2F%3Faction%3Dview%26current%3Dhalifax20082010001.jpg%26
  16. Hi Elsa Thanks for letter ,re the Default Notice ,I can't remember gettng one ,I think they may have posted it to my old address ,as it was about two weeks before I nofity them of my new address ,should I writing request a copy before I sent the above letter Adrian
  17. Good morning Elsa Can’t remember the year ,should I SAR ,re Robinson Way never really talked to them much ,just in there letters. Adrian re default notice ,I think they did ,will see if I can find ,No default notice,I am just wondering if it has been posted to my old address ,as it was about 2 weeks before I nofity them of my new address . unfair charge , don't thing so
  18. Hi Elsa Thanks again ,I see what you mean ,its bit unfair but we all know what side the courts are on .O.k have I got this right ,because they cannot find the sign agreement they cannot enforce this in a court ,and I can withhold payments until they find it . Would you recommend I send a letter of response re the reconstruction ,if yes could provide me with one ,this would be very much appreciate Many thanks Adrian
  19. Hi Elsa Thanks for your help , I ve been paying a reduced amount as agreed went I was in a DMP ,I have not received a statement from Halifax for 10 months since I move to my new address ,they were inform of this, they confirm my out standing balance went I requested CCA . My understanding is until ,Halifaxt supply me with a signed copy of my original CCA this agreement remains in default ,could someone please confirm this .
  20. Hi Elsa Thanks for your help ,they sent me two different T&C the 1st ones which Ive posted below have my old address, went I applied for the card halifax :: halifaxtc1001.jpg picture by adrianenler - Photobucket halifax :: halifax t&c 2 picture by adrianenler - Photobucket
  21. Thanks again ,should I compaint to the financial ombudsman or just them make the next move
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