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Scrappy01

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About Scrappy01

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  1. Hi, Yes I did. They sent me statements. None of the figures are the same. For instance they paid out of the current account 7232.70 in to the loan account and then paid in 8167.34 in to the current account under an Account Transfer. The loan account statement is marked as loan early closure with 8692.47 being paid in. Both statements say the accounts were closed on the 24th oct 2002 when all this moving around happened. Its all very confusing and nothing seems to add up correctly! I asked for an explaination but never got one so placed the account in dispute. They think its in dispute
  2. Hi, Yes PPI reclaimed and in the bank. Its all very confusing. HSBC placed this loan in to a current account I had when it defaulted. So now the account numbers don't match up. Metropolitan are chasing me for the current account which has a figure way more than any limit OD I ever had. They admit they moved the money over for accounting proceedures. But of course the docs for the loan have a different account number. I've brought all this to their attention but they choose to ignore it and me. Also the agreement mentions the word interest but only states APR. I didn't know w
  3. Its been a while since I've posted on this as Metropolitan weren't chasing me. I just got a letter from them today because of the charges failure. Can someone take a look over my agreement again? Is it enforcable? Is there anything new I could use? Thanks in advance.
  4. I called Virgin yesterday after posting and they said that its not anything such as late payments etc thats preventing me from getting their card. Apparently its because I already have a credit card with a balance but I only pay minimum payment. I only have a £500 limit and its not up to that but they say that with my salary they would expect me to clear it each month. I did point out I had a mortgage and other bills to pay so clearing up to £500 a month wasn't really possible. I thought that was a rubbish excuse to be fair. Surely they like people who only pay minimum payment.
  5. I have had bad credit, a number of defaults and a CCJ. Everything has now been removed except for 3 cards with some late payment information and arrangement on up to 2007, in late 2006 or 2007 these cards were all paid off. I have checked my file with Experian and they give me a credit score of 900 out of 1000 and they say that I am "very credit worthy and low risk" and that nothing is having a negative impact on my scrore. For some reason though I still cannot get credit. I applied for a Virgin credit card so I could get away from my high interest Capital One card. They refused m
  6. Hi Thailand This is what I keep doing, telling the DCA's its unenforcable. I actually missed one in my previous post, Wescot also tried to collect after Robinson Way. Totally forgot about them as I only had one letter from them!!! Just getting a little fed up with it all as you do! The signature thing was one of those forms that states "I'm happy to accept this in full and final settlement of my complaint" etc etc. When going through my the file I also found a letter this morning for them offering me another £900 odd back in interest, again asking for a signature. I
  7. I have an unenforcable agreement. The bank in question (IF) have admitted that it is unenforcable in a letter to me. They are saying that the fact that the agreement is unenforacble is not a valid dispute and will continue to persue me. This was their final response to me. The account has been with Blair Oliver and Scott and then Robinson Way and now iQor. The other thing is there is approx £1700 of charges and incorrectly added interest on this account. They admit this but I refused to sign the document they sent me to get the money back in to the account due to me thinking
  8. Hi Magda Yes, they returned my postal order. I thought there was a new rule that said they had to deal with a CCA request even if they weren't a creditor, under the Consumer Protection from Unfair Regulations, brought in in May 2008. But I can't find a reference to it. Anyway I wrote back to them again yesterday. Stating the position again and that I will no longer converse with them as they are well aware of the position. This is the 5th letter to them! Thanks Scrappy
  9. BUMP. Can anyone assist me on this?
  10. If possible I need a little more advice.... or more a point in the direction of where I've seen it. OK I CCA'd Moorcroft seeing as NatWest haven't been able to produce an agreement that complies. I honestly thought that would be the end of it. Now Moorcroft have sent the postal order back and said they cannot supply it and to get it touch with NatWest. Moorcroft know I have done this already as I wrote to them and told them this and that it doesn't comply etc. Now I'm getting the old thretograms again. I'm sure I've read somewhere that they have to comply with a req
  11. Hi Magda. Thanks for the advice. I haven't had dealings with Moorcroft until now. I wasn't sure if the letter was a threat or not. Anyway I just CCA'd Moorcroft as well as they won't listen that its unenforcable. The monkey I spoke to at Moorcroft told me that NatWest say that they have complied with my CCA and NatWest are unwilling to discuss the matter further. It just seems I'm going round in circles with Natwest. I want to complain to the various bodies (I'm not even sure who to complain to) about them passing debt thats disputed but unsure how to do it, can anyone help me with
  12. Another update and I need some help on this too....... I sent Wescot the bundle of documents sent to me by NatWest with a letter and they sent the account back to NatWest saying they weren't going to collect on it. I heard nothing from NatWest for months, then all of a sudden they passed the account to Moorcroft. I complained to NatWest about it and got another terse letter from Miss H. Bennett, essentially saying that as I didn't take up the FOS now my only choice is to take them to court. Moorcroft are becoming a pain, they sent me a Notice of Intended Litigation listing court
  13. I haven't called the CRA's yet no. I may write to them but as I say unsure wether to add them in to the mix. I've read a lot on here about CRA's and how they tend to refer you back to the creditor and say that they can't amend etc but I've also read that the CRA's also have a responsibility to ensure the information that they hold is acurate and that they have to have the documents to prove that an agreement exists. Now I would have assumed that this would have to be the signed agreement, but Cabot are saying they have statements to prove that I had the money.
  14. Thanks mr.ton. Thing is I can't get approved for things. As you can see from my signature I have a few defaults mostly from 2005, nothing recent. I just can't see an end to this one. They will keep defaulting me every month and it will just go on and on and on and stay on my file. I've read a fair bit on here about people tackling the CRA's but unsure if I want to add anyone else to the mix! I did get Vodafone to remove a default by threatening to take them to court for incorrect information and also for all the additional money it cost me due to their reckless usage of default
  15. Hi Everyone I need some opinions on my little (or large whichever way you look at it) Cabot problem. Cabot bought the CitiCards account that I had. I CCA'd Cabot back in Nov 07 and I'm still waiting for CCA docs. The only thing they have managed to send me is a faxed T&C's which has tipex on one of the reference numbers, clearly hiding something there?!?!?!? Also the T&C's it states that it is a Consumer Credit Act. I know its not, it has no signatures, names and addresses etc. I also SAR'd CitiCards back end of 06 and no agreement there either. The accou
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