Hi - if you are able to email a complaint direct to this guy with a breakdown of what happened and when along with a copy of the correspondence you sent to them regarding your NCD he should look at dealing with it as he is their compliance person: [email protected] - make sure you title the email 'Formal Complaint' (sorry if that's a bit obvious)

Hi - please be very careful with this lot - very conniving as I had dealings with them before last Christmas regarding a YB overdraft

- back then I didn't really know what I was doing and as a result they got a CCJ which I am now paying

because they were successful with that they then came after me for a YB Credit Card thru Shoosmiths

but it didn't work that time and they didn't get anything!

That one was just about to be SB.

I am a lot more clued up now thanks to CAG so hopefully the guys with the right knowledge can help you and will be a long soon

Good luck and don't let them bully you.

Hi - have you never been given a contract of employment / statement of employment - especially when you started the job?

hi - link to their website http://www.intrum.com/uk/Contact/

Hi - just thought I'd let you know that I had a conversation with a lady from the local council this morning following an online complaint I made about their anti-social behaviour. To cut a long story short they are going to 'have a word' and she also confirmed that I have technically not done anything wrong in parking where I was as the sign is for advisory reasons only! She was trying to get me to make a complaint to the police (was quite insistent to be fair) - I advised I didn't wish to take it that far however if anything happens again I will think about it.

Be interesting when I go to the school later.....!

I am not going to park in that particular spot later but I also don't want them to think that the reason I have stopped parking there is because of their behaviour because they certainly don't bother me! Just don't want them to pick on someone else who may not be as 'confident' (if that's the right word) to tell them to bugger off!

Well thanks for the input yesterday anyway and if it all goes pear shaped later i'll let you know.

Good point - didn't think of that at the time! Thanks again

Hi - will see if anything happens tomorrow as I am not going to be intimidated - thanks for your input.

Hi - I took a photo on my mobile

Hi - thanks for the quick reply - it isn't a private road (I did sort of tell her to shut up)! but was aware children could potentially hear me so watched what I said. All but one in the terrace are council properties.

Hello,

Apologies if I have posted in the wrong place but I am hoping someone may be able to help please?

Today I went to pick my son up from the village primary school and I parked in the same place I have done for the last 2 years with no problem - residents seen me and said hello etc. Well today for some reason 2 separate residents decided to have a go at me abusively for parking where I was with one calling me names unprovoked and the other threatening to smash my car! I was absolutely fuming! The first person when he realised I wasn't going to back down disappeared into his house and the second person hung out of her bedroom window hurling abuse!

Normally I would ignore low lifes like this but the area is right next to the primary school where some of the kids were on the playground and could of heard her and also because of the threat to my car. I said if there is such a problem why have they not said anything before to which they didn't answer! Where I park for 10 mins max is not in anyones private parking place and the sign showing just states 'Parking for residents of West End Terrace Only' - there is nothing to say that you would be fined / towed / clamped, etc.

To this end I wondered if anyone had any thoughts on what I should do? (If anything).

Thank you.

ok great - thank you - if I send to their registered address on FCA register I should be ok - thanks again.

what about GE as they originally provided the card?

Do you think NewDay would be able to come up with all statements since inception as they haven't been able to comply with my CCA I wouldn't be confident that they could access anything else?

I have a few from the last few yrs but not all since inception

I know - blinking stupid of me but the balance was never high so it was very minimal - only noticed properly 3 yrs ago when I made a big purchase and then the amount on the next statement was higher - I know better now

would it be worth me sending a SAR?

There was unfortunately and when I realised I telephoned them and cancelled it about 3 years ago. I know that I could potentially reclaim but that could be a hassle in itself! Funny though on the application form there is a section called 'Protecting Your Account' and I have signed in the wrong place for the Account Cover so could maybe challenge it - although I feel that I naively signed for it so morally I shouldn't try and claim - although I cant remember if was talked into it so that I could get the card as I applied in store.

ok - thanks again

Ok - thank you again

Thank you both for your input, much appreciated. I can't believe their arrogance though - total disregard of the rules these companies are supposed to abide by! Its very annoying and frustrating!

As they technically cannot enforce until such time as they do produce (which I don't think they can) the proper documentation can they register a default (not at that stage yet) or pass to a DCA?

Hi - I had been paying up until a couple of weeks ago when they failed to provide a copy of the docs I requested. They have sent me a copy of the application form not the original executed agreement as this is a pre-2007 card. The terms and conditions should be as they would have been at inception of the account however what they have sent is a copy of the terms and conditions for a Santander credit card! I will try and scan copies up if my printer will play ball. This account was originally with GE then went to Santander and is now NewDay.

Afternoon All,

Following my letter I sent to James Corcorran I received a letter today not from him or even a PA but from some other 'desk jockey' from their 'Executive Complaints Team' stating the following:

'I understand you believe (I don't believe - I KNOW) we have not provided you with the correct information in relation to your request under section 77/78 of the Consumer Credit Act. I can confirm that the Debenhams account you have is a running Credit Agreement and we have provided you with all the required information in relation to Section 78 of the Consumer Credit Act. A response was issued to you enclosing a copy of your signed agreement and the terms and conditions on 9th October 2014 (NO IT WASNT - THIS WAS A COPY OF AN APPLICATION FORM AND THE CURRENT TERMS AND CONDITIONS OF A CREDIT CARD!!).

I must again advise that we have provided you with all information we are legally obliged to supply. I trust my letter clarifies matters for you and that it offers a fair resolution to the issues you have raised (not even close!!). If after consideration you would like to discuss any of the above points further please do not hesitate to contact us. Alternatively if you remain dissatisfied you must now refer your complaint to the Financial Ombudsman Service as our internal complaints process has been exhausted and we have now reached a stage of deadlock. We will therefore not correspond with you any further in relation to this matter.'

Any thoughts please as I am absolutely astounded and lost for appropriate words at this point!!

Thanks.

Will do.

Thank you very much for your input, much appreciated. Will do that

The title used by the person on the letter is credit data management