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Everything posted by stokeybird

  1. Ironically when I got home last night an offer of £500 was waiting for me as im a "much valued customer" yeah right thats why they contunued to charge me £50 a month in charges even though id agreed a repayment plan and then when i missed just 1 payment they sent it to a solicitors. so do I thank them for there offer and except it as part payment and continue with the moneycliam or pretend i never got the letter and again continue with my claim?
  2. what a bunch if gits, i sent my SAR on the 17/8 with the £10 cheque, them i sent my prelim on tuesday and only now have they chosen to bank my cheque, why wait so long?
  3. MCOL done REF:6QZ59076 Amount: £1225.23 Issued: 30/08/06
  4. I sent mine to the Cardiff office as well, and I know they got it because the b***ers cashed my cheque
  5. the 8% part of the spreadsheet is only if your making a court claim, the other part (page 2 I think) is the part you should send with your prelim
  6. im just filling out my money claim and im really confused as to waht to put in the particulars of claim. Had a look in the library but either suggestion is too big. If anyone help please!!!:?
  7. They usually wait till the very last couple of days before sending the statements out. My S.A.R - (Subject Access Request) ran out today and I only got my statements on Saturday. Did you sent the request by recorded delivery?
  8. Finally got all my statements yesterday, capital one owe me £916 :o so prelim going out tuesday
  9. While searching for cheap contacts I found the abouve site. Found the contacts I wanted and proceeded to checkout once I get there I found that I didnt own any methods of payment they asked for so signed out and found a cheaper website that took solo cards. Anyway 2 weeks later contact lenses from costal contacts turned up, by then I had the contacts I needed so sent them back, another 2 weeks later I get an overdue demand so phoned the company and told them id returned the lenses was told they'd look into it and call me back, a month goes buy and i hear nothing so assume the case is closed, nope another overdue demand appears so again i phone the company explaining that I never ordered the lenses and had sent them back. Then last wesdesaday I get a very rude email and answerphone message from costal contacts saying if i dont pay up they affect my credit rating and add charges to the £17. Anyone one got any advise, I sent an equally rude email back saying id never ordered the lenses and id sent them back and id phone the company twice, unfortunatly I sent the lenses back normal post so have no proof of delivery. What should i do now?
  10. nah just a standard letter not even on Barclaycard paper (cheap skates)
  11. finally got a responce from my LBA offering me £136 although they owe me £340. Have sent them a letter today except the payment in part and will be chasing the rest. Gonna give them 7 days (only because im waiting for pay day) to pay up the rest. Oddly enough they had said they will credit my card, but i was told that the account had been closed and was in the hands of the DCA
  12. im still waiting for my statements, the 40 days is up next monday
  13. thanks I sent the form off on the 8th so will just have to wait (patients isnt one of my virtues)
  14. Apologies if i already have a thread for Citicards but couldn't find it. They banked my cheque on the 9/8 and the info they reqested was delivered on the same day. How long have people had to wait between their cheque being cashed and getting their statements?
  15. im still waiting on my statements, sent SAR in the 17th July and nothing yet
  16. it might be on another credit file, i notice when I got my credit report that some of the debts I had with one didnt show up on another, ie it was equifax not experian
  17. do what I do on a saturday I claim im Jewish on sunday im christian or catholic and I tell the caller that I am a religous person and I am deeply offended by them calling on my holy day and if they do it again i'll report them for harassment. Usually does the trick (or I just get my mum to say im not in )
  18. They didnt cash either of the cheque's I sent
  19. nope the 8% is added on when you file a moneyclaim
  20. as long as it was in the last 6 years then yes you can claim back the charges
  21. well they've cashed the cheque so hopefully I should get my charges soon, looking foward to claiming the charges back as they issued a CCJ despite correspondance and calls with them arranging to pay a lower amount to losing my job
  22. got the standard letter from the delightful Clarie Plummer yesterday saying the charges are fair, they disagree with OFT so sending LBA out today
  23. ahhh ok sorry I was under the opinion that they DCA had to forward me the details, thanks
  24. Im going to send the following letter, if its not ok can someone let me know, thanks With reference to the above agreement, and a call made to your office today I must request that you supply me with the following: 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. We look forward to hearing from you.
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