Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

oldagehappens

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    91

  • Joined

  • Last visited

 Content Type 

Everything posted by oldagehappens

  1. oldagehappens
    Sorry, can I just confirm this pre 2007 business please. If the agreement/account was taken out pre 2007 and then defaulted in 2009 does this apply? Is it only for accounts/agreements that "defaulted" after 2007??
  2. oldagehappens
    Is for a credit agreement that was taken out before 2007 or defaulted before 2007?
  3. oldagehappens
    I sent a CCA request to them after paying £700 off a £3000 bill. They have come back with... "Although we purchased the right to recover this outstanding balance we are not the OC and dont hold such documentation in this matter. We contacted the OC in an effort to resolve this matter. The OC cannot provide us with this documentation and therefore informing you that we will cease all collections activity whilst not in possession of the docs..." So, do I respond? Do I just leave it? or do I say, hang on my old fruits - you've had £700 out of me, now give it back!
  4. oldagehappens
    Thanks people. Its strange, when I couldnt make the mimimum payments with Virgin they call me, ran through my income and then said I dint have enough money to pay them so they wouldnt take any. I didnt hear from them for 6 months and then the letter comes saying they have passed on the debt to Link. Few weeks later the Link letter came asking for the money, followed by the rude calls. Its taken them 45 days to respond to the CCA request with is a recon version. Incorrect terms, photocopy agreement..... I could go back to MBNA but assume as they have already wrote to me would refer me back to link. I really dont want to do all this he said she said business. If i propose to pay Link £5.00 each month will they accept? will in 3 months they start demading higher payments? Grrrrrr
  5. oldagehappens
    Yup, the default was registered by them and thus so far does not show link anywhere
  6. oldagehappens
    About a year ago, and yes. It shows a default by Virgin.
  7. oldagehappens
    So, Link are now calling my parents house which I havent lived at for years and still DO NOT contact me by letter.
  8. oldagehappens
    What about accounts that have be closed in the last 2 years?
  9. oldagehappens
    I have a repayment cover on my Aqua card and im sure that have added loads of late payment charges in the past. Do i need to write to them asking for a full statement of account since I opened? Can i claim back these £12 charges then?
  10. oldagehappens
    This is my second car with them, the first one I did take out GAP but not on this one. I never take payment protection on anything as I've always had a job.... Think the gap was £250 on the first car.
  11. oldagehappens
    Hi all, I was wondering of anybody had any experience with Seat Finance... I'm into the last 10 months of a 5 year finance deal with about £3500 left. Up until 2 months ago I have never missed a payment, having lost my job at the backend of last year it's now becoming very hard to kept the payments going. I have thought about VT although I cant get credit for a cheaper car nor do I have the funds to go out and buy one. I really want to get these last 10 months done. I have checked my agreement and they cannot repossess the car without a court order, I suppose Im wondering if payment plans can be setup. I suspect they dont care and will say no... Anyone been through this with them?
  12. oldagehappens
    Interesting, there was no statement of account, just the agreement and what I call fake Terms
  13. oldagehappens
    My first thoughts were MBNA just sent out their current T&C's.... I took this card out back in 2005 so Im guessing they dont have those terms from back then. I read a post somewhere that Link need to send the original terms along with the CCA request else its void... Does anyone know if this is true?
  14. oldagehappens
    I thought this too. Okay, so they have sent a copy of the agreement with my signature on "albeit" a photocopy but it's still my signature. It's the T&C's that get me thinking along with the X. I have the original T&C's and they are NOT the same as the recon versions sent. I'm not sure on to respond to Link on this one... Any help would be great. Pretty please!
  15. oldagehappens
    Anybodys thoughts to the question before the uploaded PDF's?
  16. oldagehappens
    Hooray!
  17. oldagehappens
    ... sheet2.pdf sheet1.pdf sheet3.pdf
  18. oldagehappens
    There's loads of pages, however. The part that you sign there's two, ones blank and clear with the other a photocopy with the sig on
  19. oldagehappens
    Hi peeps. So, I wrote account in dispute letter and today have found that the letter is still sat in my wife's car grrrrr. She forgot all about it. Today I have received from link a reconstituted agreement although the original terms and conditions with my signature are there,albeit a photocopy but still my signature. It's been about 40 days since they received the CCA request but their covering letter says. Please find enclosed the documents you have requested from link. If you have any queries please contact us on Where this request was made under section 77 or 78 of the CCA this document fulfils our obligations. Is there much point in sending the letter off now? It's taken 40 days but I guess it's very much enforceable from there end?
  20. oldagehappens
    Just out of interest, what if your current account is with Halifax? I have an outstanding loan with BO&S to which I make monthly payments, they keep writing to me about increasing the payments, which I cant do as lost my job last year so my earning is up and down. Our mortgage is with Halifax and the current account. My understanding is that BO&S are the inhouse teams so have access to my current account.
  21. oldagehappens
    Hi All, So we are only 7 days off the 30 days since LINK received my CCA request, as of yet they have not provided the documents. If they have not provided it by then what would be the next set for myself? Also, on another note Aktiv Kaptial received my CCA request and replied back saying as they do not hold this documentation they are no longer continuing with collections and consider the matter closed. There was still £1400 left to pay. I guess they will sell it on to another
  22. oldagehappens
    Okay, thanks. So what is the best way forway then if they dont provide this? Just tell them to go jump?
  23. oldagehappens
    Whta do you mean by OC? I take it then that if they dont provide the CCA within 12 days from the time they received it by law they cant reclaim it? Is this actually law?
  24. oldagehappens
    Hi people, So Link have responded to the CCA request 6 days after receiving it. The letter syas... As you are aware IDR Finance UK limited purchased your debt from MBNA on xxxxx and as such do not alway hold this documentation. We have requested a copy of the agreement and most recent terms and conditions you account was operated under and looking forward to sending this to you in the near future. Please be advised that this can take up to 30 days to provide. Sounds a load of tosh to me... Any suggestions?
  25. oldagehappens
    They actually phoned again. Different person this time. I just reminded them and hung up!

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...