I've written to them telling them it's basically farsical, I'm trying to give them money, they are processing my data (STILL) and claiming they can't find my account! For a bank that's riddled with toxic debts, don't bother trying to actually give them money you owe them...... It's fruitless! Regards, Andy

Any more advice ladies and gentlemen? Regards, Andy

Any advice ladies and gentlemen? Regards, Andy

Hello all, Around two years ago I wrote to RBS attempting to negotiate a full and final settlement for an allegedly outstanding credit card account I had with them (in the region of £200, mostly charges) in return for removal of the default from my credit file. No harm in asking eh? Two years later, and after numerous letters backwards and forwards, (never received a reply to the initial letter) RBS are claiming they can not find my account details, and constantly send me letters asking for "more information," I've told them the credit card type, my name, address and date of birth, I can't really furnish them with anything else. It's now at the stage I'm receiving real letters from real people, I spoke to a Ms. Sahota last Friday who agreed it was unusual that I could not be found in RBS' records, but they had been updating my credit file... I moved house in August 2012, RBS have updated my credit file to reflect my new address, but claim that they can not find me on their computer What do I need to ask them now to get them to "put-up or shut-up"? Regards, Andy

No typo I'm afraid, was given 24 months to pay by installments if I remember correctly but paid off ahead of time, guess that's kinda irrelevant though. Regards, Andy

Thank you for your reply dx. I applied for the SAR simply out of interest, however I believed a CCA had to be valid for this to be used to support a CCJ, however clearly I am wrong! I did however ask for proof of default notice being sent to me (or a copy of the notice) however this was not returned to me, only the CCA however was returned to me, I was only 19 I believe when the CCJ was issued, it's now stopping me (and my partner) from renting, I guess I was just wondering if there was a way I could get it removed Many thanks for your help my friend, Regards, Andy

Just to add, the CCJ was settled 14 weeks after it was issued (well ahead of the proscribed payment schedule.) Regards, Andy

Hello ladies and gentlemen, In 2008 I received a CCJ from the Open Univeristy (or OUSBA, acting as the person factoring payment) for the sum of £500, just out of interest I recently made the following request to OUSBA: The only two relevant pieces of paper they returned (on the 38th day) were: (My name isn't Mr Benn by the way....) Then: Then two sheets of T&C's (no area to sign etc...) I can upload these if requested. As I have specifically asked for a default notice and they have not supplied one (I do not remember receiving one either), looking online notices are always issued by OUSBA, not OU or their solicitors. Is this CCA valid, and what do I do about the lack of default notice? Regards, Andy

Hi, I am currently in a very heated dispute with a loan company, (for anonomity, we'll refer to them as Foxtrot-Lima-Mike) and six weeks ago, I sent them a recorded letter asking them to formally mark my account as in dispute until the matter of the (by my analysis) unlawful charges has been cleared up. I am still being billed, and having interest applied. Is this lawful? Further to this, I have a recording of a spectacuarly unhelpful lady at the company "reading out my letter" (after I asked) then stopping shy of the line about disputing the account because "she was being recorded" then refusing to continue to read my letter. - They clearly know the account has formally been placed into dispute. When asked why they haven't acted on it, they continue to insist "it's not really something we can do." This company has also (rather hillariously) claimed to not be registered with the FSA, then when I invited the guy on the phone to type his companies record number into the FSA database, claiming "it must be somebody else...." at their address... with their phonenumber..... right..... Any help appreciated. Before I start getting "nasty" what are my rights after disputing an amount owed formally? Are the loan company obliged to acknowledge the dispute? Regards, Andy

Hi, After a heated phonecall with FLM Loans, they claim infatically to NOT be registered with the FSA, although they appear on the register under "names" for their holding company. I even got the guy on the phone to go to the FSA website and check for himself, he still denies FLM are bound by the FSA regulations. Now, 'scuse me if I'm being thick here, but don't a loan company need to be registered with the FSA? I may have misunderstood, but I believed that any loan company would need to be registered to carry out their business. Regards, Andy

Sorry to dig up an old thread. Can somebody explain what this line means please? Regards, Andy

So even though the copy they have provided me is ilegible, the debt is still enforcable? Thanks for sorting that Regards, Andy

Hi all, I requested a CCA from a loan I have with FLM, they have now sent me two copies of my loan agreement, but the copies are so poor it is not possible make out more than about 1-in-5 words of the small print. The letter I received with the second one read: However, it is not possible to actually read what they have sent me, it is also very dark. **IMAGE REMOVED** is my scan, however obviously a scan of a scan, of a copy won't yeild great results anyway. Where do I go from here, I'm not being "cocky" but me, nor any of my friends or family can actually read more than a handful of words in this document clearly. Regards, Andy

This the copy of the CCA I received from FLM this morning: It is absolutely illegible, I have phoned them and advised them of this. You can not make out any of the small print, and it's been printed on a letterheaded page, rather than plain paper so it also obscures the stuff printed at the bottom. Any pointers, they have said they will send me out another legible copy. Regards, Andy

CCA request submitted recorded post this afternoon. I await it to drop though my door in the next twelve days lol Regards, Andy

Speak of the devil, they have just phoned me.... Paraphrased: "Hi, this is FLM" "Hello" "Firstly, sorry for not phoning you back yesterday" "Okay" "Can you make a payment" "No, as I keep telling you, I will phone you, and pay you on Monday" "Can anybody else may the payment...." "I'm not entering into that conversation, I will pay you on Monday" "You will have another charge" "I will deal with the charges in writing" "The charges will still stand" "I will deal with the charges in writing" This continues for a while, with me answering "I will deal with the charges in writiing." "The charges will still stand." "I will deal with the charges in writing." "I will phone you on Monday" "Do not call me, I will call you, and pay on Monday" "Make sure you do, or I will phone again.... Goodbye...." Put on my very serious "firm" voice too, I dare them to call again before Tuesday now lol Regards, Andy

They have treated me so unfairly, it's unreal. They went though a stage last year of debiting loan amounts twice with nothing more than a cursory "sorry, happens dunnit" but if you make a payment three days late, (when they took the majority of the money on the correct day) they really make you feel like a criminal. Not only that, they charge me 59.9% APR, hardly like they are not getting their "pound of flesh" is it? Regards, Andy

I'm going to put my one in this morning, I might throw a SAR in too, just to find out exactly what they have been charging me. As part of the SAR, can I request copies of letters that I have been sent? I phoned the OFT with regards to their CCL status, allegedly FLM are currently appealing the decision, so are allowed to trade until an ultimate resolution is reached. I'm sure the more who complain out the unfair terms in their CCA, the less favourably they will be looked upon. Regards, Andy

Can you see if the items where failed on the MOT? (Bar cambelt etc..) If they where failed and then replaced, you should be able to get hold of a printout of the brake test from the RBT, which would show whether there was any reason at all to touch the rear brakes. You can get the MOT history on the VOSA website with the logbook/certificate number, which will detail if the items where found to be at fault during the test - garages can now provisionally pass a car if they going to carry out the work within a certain time frame, but again if this option is used, it must be duly logged. Regards, Andy

Hi, You'll have to forgive me, it's a while since this happened, and I didn't think that much of it at the time, but I'd like some advice, or at least someone to reassure me what A&L did was perfectly legal, in which case I'll "rest my case." Sometime towards the end of last year A&L defaulted, and closed my current account as it was £40 overdrawn for several weeks (no more than four I seem to recollect - my old pay cycle was four weeks,) they sent me a letter saying "Return balance to zero within x days, or we'll issue a default," I couldn't do it, and I'm certain they defaulted me and entered it onto my Experian credit file after about 10 days. I simply got a letter though the post saying I'd be defaulted, account closed. Goodbye. Now, A&L placed plenty of charges on my account, which may have been part of the reason I went overdrawn in the first place, does this mean I can contest the default. I had not attempted to reclaim any charges from them. I'm a little unsure reading the section on defaults, but can I appeal this, as they had placed many unlawful charges onto my account, which I guess I could prove sent me overdrawn in the first place. I know I need to submit a SAR to A&L to find out exactly what happened, can I request copies of the letters they sent me regarding the default too? Hope this makes sense?! Regards, Andy

Hi, I foolishly took out a loan with FLM loans in October 2007, which was an exceptionally stupid thing to do on my part. My payment was expected to go out on 1st October, which was declined by my bank for £151, **edit here for possible defamatory content** They phoned today, and I explained I could pay them in five days time, and that in fairness they had got a big chunk of the money, it was hardly like I had avoided paying completely. They have applied several charges to my account in the past, and they have whacked on another late payment charge for this month, at £20 plus a £7 "letter fee." Do I have grounds to reclaim these fees, and can I put the account in dispute to stop them making any more changes until I have paid the outstanding amount on the account? Hope this doesn't sound too jumbled. Regards, Andy

No, unfortunately I have no paperwork from Barclays to say my account closure was actioned. I know which member of the branch staff I spoke too, hopefully it is a straightforward error. What is more annoying, the payments are being made in respect of settled credit cards! :O Regards, Andy

Just to add, I phoned the account helpline, and they have NO record of my account being closed....... I am now beyond anger. Regards, Andy

Hi, Not sure where this post goes, so I apologise if this is the wrong board. I closed my current account (with MUCH glee) in my local branch, just checked my online banking, and Friday they debited/took nearly £400 worth of standing orders, despite this account having been "closed" for over a month. Barclays gave me an "exit interview" took my cheque book and debit card, and assured me my current account would then be closed and all standing orders would be cancelled. Do I have any legal comeback with regards to paying this amount back? Regards, Andy

Hi, Firstly I apologise if this is in the wrong forum, but I hope somebody can help about 200 people by answering a question. Goods have been ordered from a registered LTD company online, however these goods for some people are taking upwards of eighteen months to arrive, they are neither expensive (£3!) not particularly difficult to send (go in a standard evelope.) Anyway, is there any legal grounding here to peruse these items, and get the owner of the company to send them quickly, or refund them. Every time people are "fobbed off" with excuses, everything from the “postman is stealing them,” to “I am moving house….” But people are really starting to have enough of this. Regards, and thanks in advance, Andy