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  1. thanks, wasnt sure if that was just for financial institutions or not ill get it done today
  2. Hi Ive had a night mare with a bath leak in a rented house, and Axa using BVS to assess it. They blatantly lied about my claim, so obviously that i took pictures and asked them to show me where this alleged damage is. ive read another reviewer saying that he applied got GDRP data from BVS and it helped his claim no end. Can anyone tell me how i apply to get this data from them ? he said it was GDPR but im not sure if thats the right data i need or not thanks
  3. So mediation happened,i blagged it and i told them that i didnt think they would get judgement as to my knowledge there were some t&c missing and that that might potentially get a judge to throw it out. She came back and said, they said i had copied and pasted the defence and that the necessary t&c were all there and that it was basically an open and shut case.. My only thing i could argue was that the terms werent there in full and so it was a risk them going to court, a risk i was prepared to take. The mediator was a cow, she tried to belittle me and show me up as i couldnt remember what the CCA request stood for, but even though i couldnt remember, i knew the important bits about what it needed to contain so i stood my ground and long story short got the debt cut in half I should have prepared a bit better really but as i was doing it for her she was happy that some got knocked off. Now im going to send the IRL lending letter and hope she gets the rest wiped off thanks to the team here for the amazing help
  4. where is a template for the IRL claim? i cant see anything in the library, ive done a search too and cant find a template thanks
  5. They said £1800 lump sum, but like Andy said no Tomlin offer, and she would have to pay installments anyway, she hasnt got that lump sum for these ***** no chance of getting anything fron Vanquis for IRL?
  6. thanks i dont take prisoners either, if it was me id tell them, see you in court. Ill speak to her and tell her ill do the mediation, see how it goes then take it from there one last point - roughly what % do lowells just fold before court date? judging from your 2s experience on here
  7. i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them. I dont know what to do now - @Andyorchcan i have your thoughts too please the hassle just makes you feel like giving in to them
  8. DX - regarding the t&c- do you mean the bit at the very bottom that says "this agreement incorporates t&c set out in the long form version" ? ill take this up with them in mediation, got nothing to lose Just so i understand, that signed agreement isnt actually the t&c ? that should be included too? im looking online for the actual govt guidance, but the OFT has shut down and the consumer regualtion guidance doesnt actually mention t&c as far as i can see
  9. thank you for the help, amazing as always. Ill wait and see what others think but i might go to mediation and tell them what you said above and call their bluff. Surely once they know they havent sent all the prescribed terms etc they wont risk court? Will it only be at point of court where she has to fill in an income/expenditure form?
  10. yes i know you explained that before mate, its just annoying but i dont know how much of this is fees. Ill have to get her to look How much in fees would it need to be to make a difference? But surely shes got a point that they havent sent the t&c and prescribed terms means its not a true copy of the agreement? i thought that meant they cant proceed to court if they dont provide that stuff mentioned above total charges is approx £96 out of £1680 but actual amount they are claiing is £2k Ive looked for a template for the IRL claim but cant find one. Where sre the templates? thanks ive told her ill take the mediation call instead of her, ill be a lot better at it
  11. Like i said, yes it looks like her sig on the form they sent saying she signed, but i cant see how she would have got another credit card when her credit file was full of defaults from 2 years before - we both were in a DMP at that time just to add, they sent a list of things she had spent on the card which looked like things she would spend but it just seems a mystery that anyone would give someone with such bad credit another card. Totally irresponsible of them
  12. thats what i was referring to - you said no t&c and stuff so i assume what they sent isnt actually valid for what was requested im sorry, youve lost me, answer the question in black?? you mean black ink? it says to reply by email sorry if im misunderstanding
  13. Thanks Ill tell her to email them and say she doesnt have enough info, but should she keep that short and sweet or should she mention theyve not yet supplied her with the proper info for the CCA request?
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