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About penmarine

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  1. Evening Caggers, I've attached what Lowell's had sent the OH relating to my CCA request. If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye). They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one. I get that they've sent her a CCA, but to be unreadable this cannot be correct. the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells. What they sent was generi
  2. Morning dx its signed, will post a picture when I get back from work what they sent her and have a read of some of the thteads you mentioned.
  3. Hi caggers, OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that). They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to
  4. I should add I only got the CCA response last week after waiting nearly a month over the prescribed time limits to respond. PM
  5. So do you recommend I go back to them with account in dispute letter until the correct agreement is sent, I'll know when it does as I have a copy. I thought it was enforceable originally as the card was taken out after a change in ruling on reconstituted credit agreements around September 2007ish, maybe I've shot myself in the foot for the OH. I'm open to dragging this one out!!!
  6. DX this is what I got back from my request. I know the agreement states new day and it wasn't them originally and there is no signature block either. Thoughts would be appreciated, think I've pf's them right. PM PRA Aqua CCA response.pdf
  7. Hi DX, I've CCA'd PRA and got a copy of a reconstructed credit agreement with no signature, notice of assignment and copy of payments made. I know the debt is enforceable because the original agreement was signed in Dec 07, they changed the rules a couple of months earlier regarding agreements being reconstructed. I'm wondering whether I should send a SAR request to them for a full breakdown of charges as i know the OH doesnt as much as they claim.
  8. Hi DX Its Aqua, think they used to be owned by bank of Scotland and yes its yonks ago
  9. Hi Caggers It's been a very long time since being on here. My query relates an old Aqua debt for the better half. We were making token payments to PRA for a good 6/7 years. After a bit of email tennis with PRA, I was checking the old aqua paperwork I hold and I've realised that the default amount that was originally passed onto the first DCA is different by approx £250 to PRA. Whilst I acknowledge the debt is enforceable not to PRA I must say, can I force PRA to give a full break down of interest added etc since the original DN so I can see
  10. I would quite happily take an equal replacement from the seller,what the insurance company want me to do is take the 500 and sort it out with the seller afterwards. If it was that easy they would do the donkey work, pay the seller and I'd get the ring sent to me. As the ring was auction won he could quite easily turn round afterwards and say it cannot be replaced for 500 and I'd have cut my nose off despite my face.
  11. Hi still fighting had an email from the insurance last week to say they could sort out a replacement ring with the original seller seeing as I believe the lost ring to be genuine and that I trusted the seller which I do. I've had the ear rings valued that I purchased from him and the valuation was not far off the valuation I got from the seller originally. The insurance today have offered a settlement figure of 500 pounds which they state should cover the cost of replacement with the seller. I've flatly rejected the offer as they expect me to go back to the seller to obtain a new ring to whic
  12. I'm not sure if it's even both, they have changed their mind a couple of times, I'm just going to wait out and see what the final response is to my complaint.
  13. I can always post a copy of the valuation up I was given and what was sent to the insurance originally
  14. Hi ford the insurance think the ring I was sent is not the ring on the valuation paperwork and that the valuation isn't real either. I'm just pretty disgusted at being made to feel like I've done something wrong.
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