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

klassykitty

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Everything posted by klassykitty

  1. klassykitty
    Sorted
  2. klassykitty
    Sent a PPI questionairre claim to Northern Rock which royal mail say was delivered on 4th March, still hadnt received a reply to even acknowledge they had recieved it, so my husband called them today and they said there was no PPI account number attached to the paperwork, dont know if they meant the paperwork we sent in or their own?! Anyway, he was given Pinnacle's number and they have provided him with the account number. We want to send a SAR but after reading NRAM website it keeps mentioning to go straight to Pinnacle, is this correct? Northern Rock sold us the policy, and made out we had to take it, with no option to use anyone else. Then when my husband was made redundant he was unable to use the policy and got into mortgage arrears!
  3. klassykitty
    They have 40 days to reply to the SAR and we have 28 days to accept their offer?
  4. klassykitty
    I guess i should wait until the revised offer letter comes in and see what it says, they said they sent it on 28th feb, but havent had it yet.
  5. klassykitty
    No, it was a bit confusing, because the credit was provided by RBS but the loan was actually taken out with Tesco, when we fell into arrears tesco and RBS passed the book back and forth and it was a nightmare to get anywhere with them. They eventually put a charging order on our house which was paid back when we sold the house. The court paperwork said RBS, so we initially sent a SAR to RBS with a £10 postal order as we had no other information other than the court ref numbers, after several letters they told us we needed to write to Tesco, so we just sent a letter and the standard PPI questionairre as we didnt want to send another £10 to get no where again. The actual offer is much more than we expected, but how can they now decide due to an 'admin error' they want to offer £400 less surely they have to honour the initial offer?
  6. klassykitty
    Surely they have to honour the first offer though?
  7. klassykitty
    Maybe that was the reason, because it was from 2003 and the interest was £975 in the first offer They said they have sent out the new offer but havent received it yet
  8. klassykitty
    We sent a PPI claim form to Tesco for a loan that had been paid off several years ago. They took longer than the 8 weeks to give a final response, sending a couple of letters inbetween. On 23rd feb we received an offer from them as they agreed they couldnt confirm accurate information had been supplied when it was taken out, the amount was £3016. We sent the acceptance form back which said payment would be made within 7 days, its been longer, so my husband called today and was told there had been a 'mix up' and the payment team would call him back. They have called back and said they made an arror with the first offer and the amount they want to offer is now £2600! Where do we stand with this?
  9. klassykitty
    Thought i would update, my hubby had the meeting at the council today, and no the 12% doesnt include the current council tax, the woman who said that clearly cant do her job. Anyway the AEO hasnt been sent to his employer yet and that is going to be cancelled, we are going to pay £10 a week off the arrears and obviously keep up with the curent council tax. So a good outcome! Thank you for your support.
  10. klassykitty
    Yesterday she kept saying we would be better off paying the AOE and he couldnt really hear/understand what she was saying as he was calling from work (noisy environment). So he called her again this morning and arranged the meeting but once again she said the 12% they take will be the only amount they take and will cover the current council tax. She was asking my hubby if he was saying he is not paying anything, to which he explained that paying the current council tax is fine, but not £38 a week on top off arrears, she has said several times that it will be £38 and nothing else. But it doesnt say anything like that in the letter.
  11. klassykitty
    When my husband came home from work on wednesday i was really upset and he was fuming, so he called the council yesterday and spoke to the person who sent the AOE letter to us, she has said the 12% they will take from his wages covers the current council tax as well as arrears and we wont be paying anything else? Does anyone know if this is true? As i dont see that written anywhere. We have a meeting with the recovery team at the council on monday.
  12. klassykitty
    Thank you!
  13. klassykitty
    Yes weekly on fridays We cant fall behind with the rent payments as we already owe arrears which we are slowly paying back, so the only options we are left with is to not pay the current council tax or not eat! Really upset now i know it's been sent to his work
  14. klassykitty
    How long will it take them to get that started do you think?
  15. klassykitty
    Baby Brain! - Have read it again and at the bottom it says this is a copy of an Attachment of Earnings Order served on your employer. The payroll number and NI number is left blank and starts To any person who has in his employment the person named above - its dated 6/2/13 - took them long enough, only got it today! Thanks for your help
  16. klassykitty
    The budget sheet is the same thing i sent them last week, it showed we have £5 left a week, they said they had received our 'financial statement'
  17. klassykitty
    We have been sent the AOE to pass on to his employer. The invoice does have a breakdown of the £3506.88 Help with the letter would be appreciated thanks Just doing the budget sheet
  18. klassykitty
    Yes just found an invoice the £3506.88 is overpaid housing benefit dating back to 2002, different properties, several different years
  19. klassykitty
    The arrears they want to recover from the AEO is £539.32 for Council Tax arrears dating back to 2005, it was at £1000 The payment arrangement we have just agreed on £5 a week is for £3506.88 - i believe this is overpaid housing benefit, but i really dont understand where they get their figures from, im sure they make them up as they go along. Some other outstanding arrears have been cleared, these are the 2 accounts left. Council tax payments have been upto date since 2009 What will happen if we just ignore the AEO and continue with the payment arrangement previously set up?
  20. klassykitty
    Maybe i should add on 26/07/2006 the court made a liability order £539.32 is outstanding, we were paying £10 a week until hubby became unemployed.
  21. klassykitty
    Myself and my hubby were quite young when we moved out of home and got ourselves into some debt problems, one of them was owing council tax. We owe thousands of pounds in council tax arrears, we have kept up with current CT payments for about the past 4 years, and have paid bits and bobs off the arrears as and when we could as my hubby does temporary work which can last anything from days to years. He started a new job last month after being unemployed for a couple of months and so the council asked us to set up a payment arrangement for one of our old accounts, money is very tight at the moment and our 1st baby is due next month, so we sent them a financial statement which showed we were left with £5 a week and asked if we could pay £5 a fortnight. Well today we recieved a letter saying that they couldnt accept that, but we could pay £5 a week until 3rd june when it will increase to £12.50 a week. I thought ok fair enough as by then baby will be here and were entitled to tax credits and child benefit so we will have a bit more money. Then in a seperate letter/envelope was an attachment of earnings order for another account from 06/07, my hubby takes home £320 a week and they want to take 12% of that = £38.40. This is completely unrealistic, so they want £30 a week normal council tax, £38.40 in a AEO and £12.50 a week off another account (from june). Im honestly beginning to wonder what the point in my hubby going to work is! We will end up falling behind with the current council tax if we are to pay out the other amounts, maybe £20 off arrears but over £50 a week! Rent = £126 PW Council Tax = £30 PW Electricity = £40 PW (no gas) less in summer Food = £70 PW Car Ins = £8.50 PW Pet Ins = £6.70 PW House Ins = £3 PW Petrol/Car Tax £20 PW Phone/Broadband = £9 PW = £313.20 This is without dog food any clothing etc, etc.. Car tax due end of the month £148.50 and baby due next month So how will we afford £38.40 from his wages
  22. klassykitty
    I wrote a letter to CCS: Further to your recent reply regarding the above account,if the payment was made by me on 30/10/2008, it was made in error, the account was already statute barred and therefore the direct debit agreement was cancelled. I would like to point out that this account is formally in dispute with Aktiv Kapital and has been since they failed to acknowledge my Consumer Credit Agreement (CCA)Request on 12th May 2010, in line with s.77-s.79 of the Consumer Credit Act 1974 (CCA1974). As you are no doubt aware, your continual harassment not only breaches the Consumer CreditAct (1974), but also the Data Protection Act (1998), the Consumer Protection From Unfair Trading Regulations (2008) and the Office Of Fair Trading's debtcollection Guidelines. Being that the Original Creditor is now in default of my CCA Request and OFT Debt Collection Guidelines, I consider this account to be in serious dispute, especially due to the fact that whilst my CCA Request remains in default (outstanding), enforcement action is not permittedin line with s.127(3) of the CCA1974. Consequently, any legal action you pursue will not only be fully and vigorously defended, it will also be averred as both unlawful and vexatious. As such I respectfully suggest that this account is returned to the original creditor for immediate resolution prior to my seeking legal advice; due to the fact you cannot lawfully pursue any enforcement activities as the account was already in dispute at the time you became involved. If you decide to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter and look forward to hearing from you in due course. Today i received a reply: Further to your recent communication with this office, may we confirm the following:- Please be advised we have noted the content of your letter and have now closed and returned the account to our client. We have also forwarded your letter for their investigation.
  23. klassykitty
    Yes i will do that. Im certainly not giving in, i was hassled by Aktiv Kapital before they sold it on to CCS, i requested a copy of the credit agreement and they never responded, then about a year or so later i started getting letters from CCS. I thought a debt couldnt be sold on that is in dispute?
  24. klassykitty
    Yes it seems i made a DD payment on 30/10/2008, that is my Natwest sort code. Its hard to say when i last used the store card, i took it out when i was 18-20, and it wasnt long before i fell behind on the payments, which obviously prevents you using it, so would say at least 8 years ago as im 31 now.
  25. klassykitty
    Ive received a reply from CCS "Further to your recent communication with this office, may we confirm the following:- Our client has confirmed the payments they received were made from a Natwest account with sort code 54-41-00. They have provided a copy of their payment screen, a copy of which is attached, for your information. Please forward payment, in full, by return, or call the number below to discuss your repayment options." The payment sheet shows a DD payment of £20 made on 30/10/2008 and then a dishounered £20 DD on 29/11/2008, which was returned 3/12/2008. So £20 payment made, original balance £467 current £447. Should i request credit agreement as last time they failed to respond? I have checked again, this debt is not on my credit file.

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