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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

oldagehappens

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Everything posted by oldagehappens

  1. oldagehappens
    I have sent a CCA request to Cabot which I waiting to hear back from, I also sent a letter to Restons solicitors informing them of this fact. They have now sent a letter back to me asking to sign the letter so they know they are talking to the right person. Should I sign it?
  2. oldagehappens
    Thank you.
  3. oldagehappens
    No, I haven't claimed anything.
  4. oldagehappens
    Hi there, I have an old Halifax credit card that defaulted 5 years ago. I have been paying a reduced amount each month on a SO. Halifax closed the account and Cabot, who took over the debt in September 2015 have been sending me letters, which I've ignored as it's being paid each month. They have now passed my account to Restons. A search shows a wealth of posts on how they like to go down the CCJ route. As of yet, I haven't heard from Restons. It was only 3 days ago that Cabot wrote to me advising. My question, can i actually defend the CCJ if court papers come through? Or is my fate sealed. I'm not adverse to paying the debt, though this was due to fall off my credit file early next year. A CJJ would be terrible for us. Any advice would be great.
  5. oldagehappens
    Thank you dx. Should i send a letter to the address on this Kerns advising that the account is in dispute, just for safe measure? Remind them of the fact
  6. oldagehappens
    Evening all. I have today received a letter from Kearns Solicitors. It's demanding the full balance to be paid within 14 days or "We have instructions to issue Court proceedings against you" Clearly i would rather avoid a CCJ being filed against me and ending up with repayments I can't afford.. I see online that Kearns is owned by Link anyway. Starting to get seriously worried now.
  7. oldagehappens
    Hi Dx, This is what it says. Despite our efforts to collect this sum through communication and negotiation the balance of £XX remain unpaid. We give you 14 days notice that the account will be passed to Messers Kearns Solicitors with further reference to you. If you want to avoid this course of action, contact us urgently. On x,y & z..... There hasn't been any negotiation at all. It's a pre 2007, reconstituted version and clearly says illegible. They never responded to me in 3 years. Should I just call them, offer a payment plan or is it smoke and mirrors.
  8. oldagehappens
    Anybody? Can i add that this credit card agreement was taken out in 2005. Will this make a difference?
  9. oldagehappens
    Hi all, it's been a while since i posted and could do with your advice if i may. Old Link Financial debt has come back to life. I did the CCA request 3 years ago, the reconstituted the agreement but never sent the original T&C. I responded to them advising that they had to send them and as such, hold the account in dispute until they do. Nothing in 3 years, no letters, no calls...nothing. All of a sudden a letter appears with 14 days to contact them else it's passed onto solicitors for court papers to be filed. Any advice on what to do?
  10. oldagehappens
    Hi All, I had an HSBC credit card. Defaulted in 2011 and was passed Metropolitan. Payment plan in place with standing order. I then got a couple of letters from 1st credit chasing the balance, then passed to Connaught collections about the money. I have ignored all of them as im still paying this Standing Order each month. I've now received a letter from Connaught saying its passed to their solicitors Judge & Priestly who want the balance in full in 16 days or their client "may" issues proceedings. Thing is the solicitors letter says.... "We are instructed by 1st Credit that you entered into a written agreement numbered XXXXXXXXX with PROGRESSIVE CREDIT LIMITED. That number does not tie up with the Metropolitan one. Have checked my credit file and its says Credit card from 1st Credit but scroll down and theres also credit card from HSBC. So, I guess i should CCA request but do i send to Judge & Priestly or Connaught Collections? And what about the payments Metropolitan have been taking all this time?
  11. oldagehappens
    Thats what they said to me when I applied. The payments are taken via direct debit and i've never tried to arrange it from another account. I do have another account which money goes into but I have to keep transferring it to the halifax. The only PPI I have is on an AQUA card, it was a total faff to try and cancel - the number they gave me just goes round in circles. I do get over limit charges on that every month but it would be much of a reclaim anyway.
  12. oldagehappens
    I have a mortgage with Halifax so I have to have a Halifax current account for the payments to go from. My mortgage payments are up to date (just about making them) but my Halifax card & loan are in default state. £9000 in total from x2 accounts. I've had a plan setup with BO&S for about 12 months now who I know are the inhouse team for Halifax. I've been paying £40 per month on each one. Two months we couldnt meet these figures and dropped it to £5.00 per account, we have tried writing to them, even speaking on the phone but they refuse to except the new figures and keep sending us arrears letters. my question is this. Both accounts are unsecured, a card and loan but they are now sending FINAL NOTICE letters, pay the arrears or court action. Also says about being a homeowner and a charging order on your home with the balance repaid once the house is sold. Now, I know they are effectively Halifax but can they do this on a card & loan account? I'm sure they are unsecured.. Thanks in advance
  13. oldagehappens
    It's the same letter I got from them, I would'nt worry about Link, they never provided us with the original terms in the request we sent. I haven't heard from them since the end of July once they received the account in dispute letter. No letters, no calls - nothing.
  14. oldagehappens
    Hi people, Looking for a little help here for my parents. In 2004 they moved to the area they live in and my mother took out a store card at her local Debenhams, well its was a Mastercard but she's not that clued up. She doesn't work and is supported by my father. Anyway, recently retired and exceptional credit my father noticed PPI payments of £90 pm. So over the last 2 months he's trying to cancel the PPI and claim it back. Santander are being tough and are fighting the claim. They have received a letter from Santander about a final decision saying that it is not a miss selling case and here is the original agreement with the PPI ticked. Strange thing is the agreement has my mothers signature, no other details and is dated 1996! There is no way that have had this card for 16 years. Do you think they are falsifying the agreement, got her mixed up with another of the same name? Should my father CCA request or SAR them for a full breakdown? They lived 100 miles away prior to 2004 and my mother had never stepped foot in the store.... Thanks in advance.
  15. oldagehappens
    As present I'm unable to meet the payments to AQUA, I have advised this to them and they have said that if I dont make the agreed sums then the plan will break and interest will be added. Ok, I understand. In the last 3 days I must have had 7/8 calls from different advisers and the first 3 were asking "Can you not borrow the money from friends or family to bring the account up to date". Is this not a breach of the OFT guidelines? I have requested that I do not wish to talk on the phone and yet the NEVER write to me. Im not sure where to go, I dont want the plan to break and charges/interest added but at the same time we are in a whole heap of mess. Mortgage, council tax, cars, ....all in arrears so a £1000 card bill is the least of my worries at the minute. Shall I write to them offering a £1 per month?
  16. oldagehappens
    Thanks. Will do.
  17. oldagehappens
    Sorry, its got two links in there but I have uploaded a PDF which is bigger. Its the first part of the reply. Link have now responded to me challenging the T&C. They have just resent the original response to the CCA request which again, does not include the the original T&C's....... Where do I go from here? Go back with a "Account in dispute" until they send the original terms?
  18. oldagehappens
    Whats the deal though if you DONT have any funds for these creditors of unsecured debts? My main concern is paying for food, the house, electricity etc..... We dont have enough for the main stuff neverlone the unsecured debts
  19. oldagehappens
    Pretty much the money is gone.. Still out of work, kids to feed, house to pay for etc.... There is £1500 balance and paying £20 per month. Never been with a management company as i always arranged my own with creditors..... I can no longer meet the original payments though.
  20. oldagehappens
    Hello. I have an AQUA card which defaulted around 12 months ago, I arranged a payment plan with them and have been paying. I'm now at the point I cant meet the payments, got to that point that all is falling down. they ring all the time and I have advised that at the moment I cant pay anything. Tonight the adviser said that you run the risk of the payment plan ending and not being allowed another one, charges and interest will start to be added. While you are in arrears the calls will continue. What can be done under these circumstances? Do i just sit back and let the balance rise, will they pass it onto a DCA? Its just one of many accounts that are now failing on the plans as cash flow is so tight.
  21. oldagehappens
    There are other parts that I've posted earlier. They did send T&C's although they were totally different. I questioned them and they have replied advising they've ask for the original ones. As yet I havent received them. So what happens if they cant provide the original T&C's? Is this enough for them to enforce it?
  22. oldagehappens
    Agreement.pdfWould you say this is legible? Agreement.pdf
  23. oldagehappens
    I never sent it back recorded delivery so no proof. I have checked my credit file and theres nothing there. This is one account that was paid in full.
  24. oldagehappens
    I had Beunlimited as my broadband provider for 3 years. 14 months ago I decided to move providers, I gave BE their 30 days notice, paid my last bill and returned the router/modem as requested. 14 months later I receive a demand for £80 from Buchanan. I ripped up the first letter, and second when the 3rd came advising me about doorstep collections I called them up....I know I shouldn't but this site has given me confidence in being able to quote my rights. Anyway, the guy talked about the router not being returned, I know I did and advised him that he wouldnt get a penny out of me as the account was settled. They now keep sending me "settlement offers".... Im not going to pay this but if it went to court, what happens if you refuse to pay the court order?
  25. oldagehappens
    Just one more question... Original agreement can be a photocopy yes? as long as it shows a valid signature. While a recon version is just the text, no signature?

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