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miss muppet

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Everything posted by miss muppet

  1. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Nah, the cracked mug and stale cake will do for them! Totally agree with your decision, hope you sent them the letter advising them that your dog will have his teeth on show if they should turn up!
  3. Hi NPMBNA You are getting your knickers in a twist for nothing really, it really doesent matter about the CRA, from the date you miss a payment creditors are reporting on you with or without an agreement. You could complain to the ICO and put some information on the CRA file to the effect that the account is in dispute to the lack of credit agreement if you so wish. Just let them keep on spouting hot air - after an absence of 3 years they wrote to me to say that they had sold my account to the bottom feeders, had great pleasure in sending them photocopies of the court judgement - like you they have reported on me even adding the costs they had to pay to the final alleged balance, am I bothered - not really, they will drop off quite soon anyway!
  4. Its really quite simple DM, you are just asking them if they are so sure they have an enforceable agreement to produce it. Used this tactic on one of OH's , - Goldfish - following this they commenced court action just in time for Xmas but couldn't come up with the goods following CPR requests so had to discontinue!
  5. Time to get tough with them I think DM, they do so love writing long meaningless replies of drivel to any requests don't they? Why not go down the Priority One path? They seem to be having a push on these Sainsbury's accounts, probably because they realise they bought a bunch of lemons! http://www.consumeractiongroup.co.uk/forum/showthread.php?291468-Fighting-back-with-CPUTR-2008....
  6. Hi there, Sorry you don't seem to have had a reply to your post. Yes an SAR would be a good idea,£10 postal order and no signature from Gran and you can of course take the complaint to the FOS.
  7. Yes, can confirm that now found letter address to Data Subject Access Request Team, Customer Relations and as above, Good Luck DM!
  8. Looking at the Return address they sent with OH's info looks like it is 10 Carlton Street, Halifax HX1 2AL and yes £10 postal order.
  9. Hi DM, have been looking back over your thread and wondering, did you ever SAR Sainsburys, might be a good idea to do so and it might turn up some interesting stuff.
  10. How about this DM, worth a shot I think under the CUPTR 2008:- http://www.consumeractiongroup.co.uk/forum/showthread.php?323135-Why-is-CAG-running-scared-of-pre-court-CCA-enforceability-arguments
  11. Excellent news, well done, if you can a small donation to the site would I'm sure be appreciated!
  12. How about this thread, this might help, also have a look at the legal issues forum, lots of cases you can research and use the ideas:- http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**
  13. Ok, stayed up late and nearly finished my witness statement, of course when I reread the Judge's order that was the right way to go, just having a bit of a wobble but well back on track now.
  14. Ok, panic over,found the info I wanted on the web, looks like I will be able to cross-examine and question the dark side without CPR, really looking forward to that part one of the statements dear Pippa has made is that typically she would travel to the telemarketing Companies making the calls on behalf of JDW on a 3 monthly basis to listen to live calls being made to customers - so how many customers did they have at that time and how many calls did she listen in to and why haven't they got a transcript or tape of the call made to moi!
  15. Well, here we are still rumbling on a year later and heading for hearing shortly, they certainly did owe me more than they offered about 5 times as much and thats only at 8%. Because I owe them nothing (Isen't that a Bros song?)I am going for them for the full 39.6% they charged me. I have sent in my court bundle and they have submitted a witness statement, same old drivel along with exhibits of black screenshots with blue typing which I had to get out the magnifying glass to see and exhibits such as terms and conditions of Pomp and a beautiful black almost illegible print out of Good News for Pomp Customers as from 2005 Hospitalisation Cover - news to me, never saw anything about it - in my opinion, even I could have manufactured that yesterday on a computer. Anyhow, my question is - as part of my court bundle I sent in civil procedure rules 33.4,33.5 &33.6 plus the Civil Evidence Act - I really cannot understand the legalise of the advice given and wonder whether I have to give notice to the court and the other side of my intention to cross examine the statements made in the witness statement. Hope someone can help as time is getting short.
  16. Morby please don't worry on the costs score, you are not going to lose this as long as you are up on all the case law, have a look at the Capquest threads by using the search button, 42 Man has some excellent information in those threads, if they return whether they are Barristers or not, they have to have more than an illegible agreement, have a look at CCA 1974 section about illegible documents and also no default notice, naughty naughty, you have to do lots of searching on here but the more you mug up on it the more confident you will become - OK? MBNA thought they were going to get an SJ on me and provided a pathetic blank agreement and wrong date default notice, game over as far as the DJ was concerned and costs to moi!
  17. VJ, had a look at your blog, what a totally nuts situation, every sympathy mate, have donated and looking forward to hearing that the opposition have been roundly trounced and fined for it!
  18. http://www.consumeractiongroup.co.uk/forum/showthread.php?314597-Challenging-Reconstituted-Agreements...&highlight=consumer+protection+regulations+2008
  19. Hi Taylorit, yes you should do the SAR because if they initiate court action it shows that you have done everything you can to get them to provide you with a true copy of any agreement, even though they are allowed to reconstruct, it still has to be accurate , coming back shortly with a link which might help.
  20. here you go:- http://www.consumeractiongroup.co.uk/forum/showthread.php?314597-Challenging-Reconstituted-Agreements...&highlight=consumer+protection+regulations+2008
  21. Wah! only a cold is allowed to get you down like mine at the moment. Because they can get away with a reconstructed agreement post 2007, back shortly with a link if I can find it.
  22. Well done Bobity, so pleased to hear you got a switched on Judge who didn't let Crapquest waste his time, proud to be of assistance, don't forget a little something for the site when you get the dosh and don't forget to help other people with the same probs as onlyme has done as well.
  23. Sorry for the delay in replying - been busy last few days - well, they didn't have to in the past and seemed to get away without turning up so guess the answer is there is one rule for them another for us, never mind just swot up as much as you can and sting them for costs.
  24. Hi Bobity,sorry for the delay been busy last few days - in answer to your panic question, wouldn't think they would because it would cost them big money and they are already trying to limit their costs by asking to be excused from the hearing!
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