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bigMman

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About bigMman

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  1. Can you get a photograph of the actual sign? You may need this as proof. Or, is it viewable on Google maps? Good luck.
  2. WOW, just simply...wow. Well done. Great read. Great info.
  3. what do I need to write in my defence in the claim form?
  4. in summary as per my last posting - Lloyds CC taken out in Dec 2005 Amount owing to Lloyds CC = £14'252 Last payment made to Lloyds = April 2009 Default notice from Lloyds = July 2009 Sent CCA and SAR = August 2009 They never replied and the whole thing was forgotten about for a while. No PPI various DCA's attempted to extort me, but I informed them the matter was in dispute (i.e. no CCA or SAR), so back off - or else. CQ (and Lloyds), have written saying CQ own the debt. I decided to ignore their letters and then the letters from Drydens Fairfax Solicitors as my orig
  5. If CQ fail to deliver on the CCA, can I then demand they remove the "Default" from my credit file? many thanks for your info' so far.
  6. Thanks for the fast response dx100uk. Please correct me if I'm misguided, but if Lloyds have failed to send me my original request for a CCA and SAR (both sent recorded delivery and proof of delivery received), doesn't that mean the only way this "debt" can be enforced is via the court (the term "out of time" rings a bell). Do I really need to send CQ a CCA when I've already done it with the original lender. Also, by replying to CQ, this is only confirming my address and starting a fresh game of letter tennis. Have followed your CAG links - very informative, t
  7. hi everyone, Looks like a great site. Please read and advise. I've tried to keep it simple. Lloyds CC taken out in Dec 2005 Amount owing to Lloyd CC = £14'252 Last payment made to Lloyds = April 2009 Default notice from lloyds = July 2009 Sent CCA and SAR = August 2009 They never replied and the whole thing was forgotten about for a while. No PPI various DCA's attempted to extort me, but I informed them the matter was in dispute (i.e. no CCA or SAR), so back off - or else. Now CrapQuest (and Lloyds), have written saying CQ own the debt. CQ have entered a Default notice
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