Who's had over a million back from their bank ???? I think someone's been telling porkies, either that or they dropped a couple of decimal points

Another one

Don't phone them, EVER, that just keeps them in control as they're "trained" for want of a better word, to twist the conversation around to their benefit. Write to them demanding that ALL communications be in writing, quoting the Wireless & Telegraphy Act, use the letter in the library. Once you've done that you're well on the road to taking control of the situation for yourself, and it'll be a good feeling

You say it is "at the CCJ stage", do you mean by that they already have a CCJ, or are they applying for one ? If you already have a CCJ against you, you should have done the CCA letter before it got to court. I would still go ahead and demand it though, then when they fail to provide the details, and they almost certainly can't, apply to have the judgement set-asside on the grounds that you have "ONLY RECENTLY DISCOVERED" that there is no documentary evidence that you ever entered into a credit agreement with Kays. If they get a warrant of excecution it means they will send the baillifs in, just stick to the normal advice on this forum and DO NOT UNDER ANY CIRCUMSTANCES LET THEM IN, then there's nothing they can do but eventually hand it back to the court, you will still be liable for all the costs though, unless you manage to get the judgement set-asside. Once you get it set-asside, you're back to square one, and the failure to produce the CCA agreement means they cannot persue you for the debt in court again until such time as they do produce it. You might even be able to claim your previous payments back, but that depends on how much neck you have

Yes they do, and I think it's still free, but don't quote me on that

You might get a quicker response if you send it straight to the horses mouth, the head office address is: Alliance & Leicester PLC Carlton Park Narborough Leicester LE19 0AL Go get 'em

I think that they then have a right to persue the debt, but only with the permission of a judge, and no judge would look favourably on their initial failure to provide the information in the required timescale.

As Zootscoot posted, they can not evict you without a possession order from the court. Have they actually got one ?? If they have, then as it's such a short period to the eviction date, I would go to the court personally, armed with the statement, offer to pay the "arrears" immediately over the counter, and apply to have the eviction order withdrawn. Then start the ball rolling to get your charges back as soon as you possibly can, this will put the account in dispute, and they cannot take further action against you until the matter is sorted. Act fast.

Ignore the 8 weeks, it's drivel ! They have 12 (working) days to supply you with the information, after that they cannot take any action against you without the permission of the judge. If they still haven't supplied the info after 30 days, they have comitted an offence. REPORT THEM

OK, this is in the post this morning.

The period they have is 6 years, if the original debt was from 1999, it was almost certainly statute barred, and you didn't have to pay anything as they couldn't enforce it. However, as you've made a large number of payments against it, you might have problems getting it written off now. Write to them telling them that you have found out that the original debt was statute barred and that you were lied to by their collector, to convince you to pay. Tell them that you do not intend paying a penny more, and that you will fight against any actions they may consider taking to force you to pay. I don't think you stand much chance of getting your money back from them, but you could find that they think it's more trouble than it's worth chasing you for the rest. Not exactly, it all depends on how you proceed, but you can claim them back with lots of nice interest, have a look around the site for more information. Hilco Receivables are another debt collecting company (Googled them), if you get another letter regarding this, send them the standard CCA letter from the library.

Good on you. But do the chargeback immediately, you don't need to wait for their reply for this. BTW, A lot of people still don't know, pass the information around to all your friends

Yes they can, and NO you don't. Tell the bank you want them to do a chargeback, because the money was taken from you under pressure and using false pretences, but do it quick, and be very insistant about it. Don't make any offer until you've heard back from them and posted their reply here, there's still a possibility you can get rid of these leeches, as you were pressured into making a payment on a statute barred debt. Another thing, if as you wrote the debt is for Great Universal, the chances are there's no credit agreement, so it's probably unenforceable anyway. STICK TO YOUR GUNS And don't under any circumstances talk to them on the phone, for any reason, these people have a habbit of twisting anything you may say on the phone to suit themselves. Keep everything in writing, that way you have a "paper trail" for your own records.

If you're absolutely sure that the flat below is empty, write back to them asking for proof of complaints, that should make life difficult for them.

If your excess is £350, and the cost was only £105, you probably wont get the recovery fee paid back to you. You could always put a claim in to the court if and when the scumbags get done for it.

Don't forget to keep a copy yourself, and send the original by recorded delivery so you can prove it's been received should you ever need to.

Agreed with the above, fill the form in and send it back, but send them a reminder letter telling them how long they have left, and stick to your dates BTW, don't forget to add the postage costs to your claim

Freedom of information act ?? Do you mean the CCA ?? And NO, the fee for an SAR is £10. Links, both are in the library.

But they wont ! I got no notice at all, they closed mine then wrote and told me, and I haven't even got to the court stage yet No, and if they ask, just tell them you were unhappy with your previous banks service.

I assume from your post that these are not bailiffs, just R.W's gorrila's, If they come round again tell them to Fupp right off ! If they refuse to go, call the police and tell them there are people at your door demanding money with menaces, If the police refuse to come out, say they are threatening violence, and that you may have to defend yourself, they'll come out then The R.W. gibbons have absolutely NO RIGHT at all to enter your home, and even if they do enter they still have no right to take anything at all. If they get in you can use reasonable force to defend yourself and your property. How much is reasonable ? that depends on how threatened you feel, but it's a fine line ! The only people who CAN remove your property are bailiffs, acting on a court order, and even they can't force their way in (in most cases). If by chance they are baillifs, and they have never been inside your house you can quite happily tell them to bog off as well. Just don't clobber a bailliff:grin:

Well here's the letter that arrived at my home in Wales on Thursday 30th Well I'll be replying along the terms of "no information on charges since they closed the accounts (I estimate £300+ ), no details at all for the period from account opening (May 1996) to May 1997, no details at all of the Flexiplan account, etc, etc........ Their 14 days (LBA) are up, but I'll wait a few more days after sending my reply to see what they offer, after all, I've got nothing to lose, and a few more pounds interest to gain :grin:

I'm not trying to state the obvious here, but did you charge it fully first, plus, how long did you hold the power button in for when you first tried to turn it on ? Whenever I allow the battery on mine to go completely flat (something you should do about once a month) it takes at least 5 to 10 seconds holding the button in to get it to boot up after a charge. If you did pay cash, and you haven't got the receipt, the serial number is traceable back to the retailer, plus, the memory on the TomTom keeps a record of it's "birthday", i.e. the first time it was ever turned on, that would be accessable by the repairer. Finaly, the 510 has not been out for a year yet, so that alone would prove that it's still under warranty, unfortunately, if you still cannot prove you bought it from CONet you may have to send it back to TomToms UK repair people.

Cheddar, I'd go back over your quotes if I were you...... They've NEVER said "Wait a week DURING which the package will DEFINITELY be sent out to you" They actually wrote "Kindly wait for a week during which the package will definitely be delivered to you" the two phrases have a completely different meaning. It still looks a little dodgey to me though, I'd be asking for my money back now.

Write to them giving them 7 days to refund your money, if they don't, take them to court for the full amount plus interest.

This is a debt from an overseas bank, UK law has no say in the matter, so the banks charges are not contestable in a UK court. The CCA has nothing to do with it, and the bank is not subject to the Data Protection Act, so you cannot even S.A.R - (Subject Access Request) them. UNLESS......... ........ the DCA has bought the debt.