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Everything posted by THEVARNSTER

  1. the warning was put on by liverpool victoria (loan company) through le chiche, which i have never heard off but also it doesnt direct this warning at any particular person just an address.Also, would i ask cifas or the cra. Also i have tried the 28day verify or remove and they never comply.
  2. how did u get a copy of the recording
  3. recently i checked my credit file and discovered another cifas warning in place at my address but with no name on it. The cifas warning was put on by liverpool victoria and the name of the company seems to be 'LE CHICHE' Does anyone know of such a company the reason was for a unsecured loan application-material falsehoods blah blah blah
  4. must be the case that they cant find the original and true copy which is good for you
  5. could i argue that they didnt achieve full market value for the car. They didnt notify me of when/where it was been sold
  6. so im subject to: balance(total minus payment i made plus sale of car)
  7. think if youve made payment its different definately dont take my word on it though.
  8. They havealready reposessed the car. The sale proceeds are included in the total paid
  9. Fiat auto financial services: Recieved a letter from solicitors taking me to court for remainder of hp agreemment i had. Got astatement previously:In brief- Total cash price £18,215 Sum advanced £18,215 Acceptance fee £109 Option fee £75 Finance charges £3965.80 Total repayable £22,364.80 Total paid to date including sale of car: £10,963.48 I understand that once half is paid, they can no longer pursue the rest. Is this the total amount payable of the total cash price. If this is the case could i send them a cheque to take it up to over half now?
  10. Re: Unauthorised credit enquiry Dear Sir/Madam I would like to bring to your kind notice the contents of the latest credit report that I have received from the credit reference agencies. The credit reflects a credit enquiry from your company which I did not approve. I believe that legally you are not entitled to enquire on any debt amount without my authorization. I request you to delete this enquiry from my credit report with immediate effect as it is causing a hindrance in my acquiring a loan and other credit benefits. I have used recorded mail to send you this letter so I may ensure that you receive it and send me a prompt response. Please forward me a written document stating the removal of this unauthorised enquiry. In other cases, kindly forward me a document containing the proof of the enquiry mentioned by you. Thanking you in earnest, name try that letter to the company that carried out the search
  11. 2) Duty to provide information during the lifetime of an agreement at the request of a customer or surety A customer (or surety if a different person from the customer) has, during the lifetime of an agreement (whether fixed-sum credit, running-account credit or hire), the right, to request from the trader concerned: a copies of certain documents, and b a statement of certain information. Any such request from a customer or surety must be in writing and accompanied by the appropriate fee of £1. If the trader fails to comply with a request from a customer or surety within one month from the end of the 12 days, he commits an offence. Until he does comply with the request, he is not entitled to enforce the agreement. The trader need not comply with a customer’s request if he has complied with a similar request, relating to the same agreement, made less than one month previously, or if the customer does not or will not owe anything under the agreement, for example, because all instalments have been paid. Copies of certain documents (for example, Acts of Parliament and government publications), although referred to in an agreement, need not be supplied.
  12. cca request, 12 days to default then another 30 calender days. As read in oft -matters arising in the currency of an agreement
  13. After reading the oft document the timescale is: 12days then another 30 calender days
  14. in the first part of their letter they say no but towards the end they say it can be put on manual filing system with a notice of correction letting lenders know this
  15. if we were in a section of our own we mightnt get as much advise an help. ie scotland forum, how often do you look in that
  16. Received a letter from equifax today(7sept) dated 30aug which thanked me for my recent correspondence. This was the request for them to stop processing me automatically. In their letter it says: Re: Searches I acknowledge your request for Equifax to prevent lenders from searching your credit file however i would like to advise should you apply for credit with a company it is necessary for that company to carry out a Credit Search. As a credit reference agency Equifax must provide this information and can not prevent any company from accessing your information automatically. To stop this automatic process, you may wish to add a notice of correction to your file, which would cause your file to be manually reviewed. blah blah angela sludds escalation advisor also are send a free copy of credit file(compliments) any comments on the letter
  17. sent letter to my local branch but maybe should have sent it to the dca's local branch
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