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About jlw198704

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    Basic Account Holder
  1. Hi All, I was sent a payment from South Africa on Wed's morning at 8am (according to the company it's coming from), can any of you tell me when am I likely to get the funds into my account, phoned the bank and they are useless...in this day and age you would think they would be able to track these types of payments. Anyway what with it being a bank holiday Monday...any idea.
  2. Haha I intend to stay off that phone..... This has been going on for so long and have contacted Lee from Vodafone customer support...... What gets me is how I last had contact with them in December after I sent prove it letters and now they write to me with a new acct number as old one has been archived
  3. Defo get a copy of your credit report, you can normally get a copy for free if you send in a particular form...not sure where this is but I am sure its around somewhere, then this way you will be on the starting line
  4. Hi All.... A little help with this please...... Some time ago Capquest contacted me about a debt with Vodafone, I started to make payments until I realised what I was doing and asked them for a copy of the credit agreement, done it all the correct way.... They replied and said that I will need to contact Vodafone myself, which I did and have never had any response, Capquest left me alone for a while, I recently moved house and am just getting round to advising my creditors of my new address, however Capquest seem to already have my new address, So I phoned t
  5. If you cant read the letter it says Thank you for your letter dated 27th Ocotber 2010 which we received on 5th November 2010 the contents of which we note The is account was originally opened in .................. ....... as a 28-day continous personal credit account. The current outstanding balance on this account is //////// the terms of repayment on which are ////// every 28 days the arrears are ////// and we can confirm that there is currently no payment protection insurance covering this account credit charges are currently being charged at 2.62 pence in the pound equa
  6. I have attached the letter they sent with the catalogue CCA they state it is a true copy of my original yet they have hand written the address themselves have just typed a Prove it letter and have written to Vodafone
  7. Hi All 2 questions.... 1. Have a catalogue and am currently in the process of requesting CCA, they have sent me back a credit agreement that is unsigned by myself and also one of them they have hand written in my name and address and neither myself or the company has signed it and on the other one which is excatly the same there is only there signature, not mine or my name or address. Where do I go with this.....Advice please 2. I have an old mobile phone contract that is currently with a debt collector asked them for CCA and they wrote back saying as it was a mobile that i
  8. They are the Office of fair trading Bev......... Dont let them w**kers get to you, send them a letter its on here somewhere and am sure someone will be along soon stating that you wish for all contact to be done so in writing and that all telphone numbers that they hold for you be removed from there systems
  9. From looking at the CCA letter it seems that they are in default of my request !!!!
  10. I think I took it out either 2005 or 2006 not quite sure, however I have in writing that they have requested it from the original creditor and it has passed the 12+2 so I phoned them today and they said they still havent had it........
  11. Hi All I have requested the CCA on my Everyday Loans account and phoned the office of 1st Credit whom have the account and they were more than happy to oblidge, any how they sent me a letter on 5th Oct saying they they dont have this on file and have had to request it from Everyday Loans, today is 26th and to my knowledge they have failed to supply me with my credit agreement. Whilst I have put everything in writing and have copies and also have there letters I phoned them today and said that they have failed to provide it to me............There response was he is aware of the timescale a
  12. Its not a lot of money only a couple of hundread but thanks for your help anyways
  13. Thanks Silverfox - Here goes... 1st one taken out in June 07 - Credit limit it says The Credit Limit will be determined by us from time to time under this agreement and notice of it will be given by us to you..........APR it says 34.9% APR(variable)................Monthly repayments it says "Monthly repayments are payable by the date stated in the monthly statement, The monthly payment is an amount equal to at least 5% of the outstanding balance from time to time, shown in your monthly statement or £5 whichever is greater...........Cancellation it says in a box above my signature YOUR RIG
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