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Everything posted by stevesmart36

  1. What is Michael43 on? These parasites hinder your ability to pay in full and on time by increasing the interest rate on your mortgage just about every month. They will not listen, they do not care and they certainly do not play by the rules. It would take me hours to give my side fo the Kensington "trap" suffice to say my fixed term (redemption period) runs out Jan 09. Then it will be goodbye to Kensington. REMEMBER, YOU ARE NOT A CUSTOMER, YOU ARE AN INVESTMENT.
  2. Your best bet is to read some of the other Abbey threads for some reassurance and what will or may happen next an try not to worry because they are following standard procedure. However, you may like to consider filing a wasted costs order should they fail to defend, as they have threatened to, or just take all that lovely cash and spend it!
  3. Hi, I had the same letter in response to a £65 "debt" to Kays (Littlewoods Group). This account has no less than £166.00 in charges applied. I CCA'd them on 31st March, so they are currently in default, they sent me an unsigned copy of the agrrement and asked my to sign it and send it back! Oh how I larfed, they will commit an offence shortly and Thursday I got a copy of the letter you have received. Anyway, I have wrote back and gave them two options A) Full closure of the account and an entry marked at the CRA's account satisfied or B) failure to comply with the above will lead to court porceedings to recover the full aomunt £166.00. I also reminded them of the following; "that any non-agreed disclosure of personal data to third parties, without express written permission, is a criminal offence under Section 35, of the DPA". I would write back and remind them of their legal obligations. Hope this helps.
  4. NDR are Shop Financial Directs in house debt collectors. As this is a catalogue debt unless you signed the CCA forms they will not have the relevant paperwork in order to collect. I would ignore it and let the clock tick for an offence.
  5. Thanks Caro. Is there a letter template on the site I can send? If so, would you be so kind as to provide me a link. Much obliged.
  6. In that case we need to file MCOL sharpish because the balance they are claiming is made up (and more) of unlawful penalty charges.
  7. Hi It was for an overdraft, payable on demand, we were paying £5 per week but stopped the payments when they defaulted on the CCA.
  8. My partner submitted a CCA request to A&L last month,she oews the £180.00, they closed her account because I was pursuing charges on our joint account.They already in default, criminal offence will be commited on 30th April. They have sent a full list of statements but no CCA or Deed of Assignment (they use thier in house collections agency - Security Division). Anyhow, we received a letter from Moorcroft advising that A&L have informed them we wish our debt to be collected through them, sent us a post office payment book and a demand the first payment be made by 28th April. We faxed them and A&L get lost. We are now using the statements in order to collate how much has been unlawfully charged to her account, LBA sent and refused last week. Question is..................Are A&L covered by the CCA regs?
  9. SAR Barclaycard too..............you can bet your life there are lots and lots of unlawful penalty charges.
  10. Thanks for all the advice guys. Would someone be so kind as to move my thread to the store cards furom. Thanks
  11. Go get em Meg or Mog.............whoever you are!!!!!!
  12. I would use any VM address with caution, they don't reply. They must be snowed under what with DD charge, late payment fees and Sky withdrawing some channels. And who was it said NTL were crap? Not I!
  13. I have written to VM on two occasions, once in February and again in March at the Swansea address and did not receive any sort of reply whatsoever. In fact in the March letter I gave them 30 days notice of my intention to terminate the agreement, the 30 days were up on 11th April, and still got no reply. So don't hold your breath!
  14. I CCA'd Howard Cohen on 12/03/2007 regarding a very old Burtons store card I had. I have been paying them £5 a month for about 12 years. There was a CCJ on my file regarding this but it has long since dropped off. They signed for it the following day. On Saturday I recieved a full statement and a copy of a Deed of Assignment. The DOS did not have any reference number on the front and was dated some 2 1/2 years after I had been taken to court. Basically, I do not believe this DOS is the correct copy. But crucially, they have failed to supply a copy of the original CCA. Bleating on about the fact the account was opened in 1987 (my heart bleeds) and their client has long since destroyed the original. Am I right in thinking that it makes no difference whatsoever that this agreement is 20 years old? I orinally owed around £734.00, according to the statements I have paid £812.00. I do not want to pay them anymore. They have defaulted on the 12 day rule and will shortly commit a criminal offence. Furthermore, I am 100% certain that the vast majority of the original debt was made up of unlawful penalty charges, what's my chances of claiming these back? Any advice gratefully recieved.
  15. Send them a CCA request recorded delivery, enclose a cheque for £1. They have 12 working days to supply the a copy of the original signed agreement, deed of assignment and a statement of the account. Do it today! Keeping making the payments and let the 12 day clock tick.
  16. Hello everyone, I love this site, excellant free advice. I am about to sue A&L for unlawful bank charges of around £1200, just awaiting a court date, I have been writing to them for the best part of a year but only after discovering this site did I have the courage to take them to court, little ol me could not possibly beat the big bank in a court case, well I was wrong and I am a few weeks away from getting my money back. Anyway, my thread. The header says it all really. My partner had an account with A&L and last May she was given 30 days notice that the account would be closed because of her association with account number 321******, which was principly my account but was a joint account and an account they had also closed at 30 days notice. I believe they closed her account because I was kicking up a fuss about the charges on the other account, this is the actual wording on the letter; "as you will be aware banking facilities on account 321****** have been withdrawn due to the overdrawn situation (£300 approx). As a result we are not willing to allow you to continue to use the above account. With effect from 16th June 2006 we will close the account". She had a £250 overdraft, which she constantly lived in. It was actually TWICE her weekly wage. I wrote to them at the time complaining that I thought they were lending irresponsibly as she only earned £500 a month and they initially offered her a £300 overdaft and visa card. Whereas the joint account, my account, they would only give me £100 overdraft and visa electron card and I had around £1600 per month going in at that time. I complained, their response, she doesn't have to spend the £300!!!! We feel they closed her account in retaliation for the impending court action on the joint account. They have also defaulted our credit files after closing these accounts. I have requested the removal of the default as part of my litigation, but how do I go about removing the default on my partners credit file? She had around £218 in charges, we have just sent them an LBA. Could somebody please advise our next step? We want to make their lives as uncomfortable as they made ours and that means screwing them for a few bob as well then great. We understand there is a possibility that compensation can be sought for this punitive action taken by the bank, do we write to them or directly or to the FOS and send A&L a copy? All good advice welcome.
  17. Your spot on there Rubber Duck. Kensington took us to court last September and the judge threw it out. He actually said to us "If you need any further assistance please feel free to contact the court". Thier representative could not supply the relevant documants whne asked to by the judge, she asked us if we had them! Like we're gonna supply her documents to help her case against us, stupid woman. Anyway, Kensington are getting their own back, since last Septmerber (7 months) we have had no fewer that 5 interest rate rises on our mortgage. It's now upto a staggering 9.45%(4% higher that BOE base rate) These people are parasites and we are desperate to get them out of our lives, but it cost us...............about 4 grand (ERC).
  18. I sent a CCA request to Corporate Credit Media, recorded delivery signed for 13th March, in relation to a balance owed to 02 (£150 approx). I didn’t know at the time that mobile phone contracts were not covered by the CCA. It seems CCM are not aware of this too. Anyway, on Saturday 31st March, I received a copy of the service contract (unsigned), which I fear means they’ve got me bang to rights:evil: . They have also put my account on hold for 14 days whilst I review the enclosed documents (sarcastic buggers). I faxed them back and said I would not answer any further correspondence from them as they have failed to produce the correct documents in the specified time. Any advice on my next step? :-? I think it’s crucial to note that CCM are not aware of the fact that moby contracts are not covered by the CCA.
  19. I wrote to them in February and March about their direct debit and late payment charges, no reply to either letter. They cut me off the other day for non payment, I had paid the bill, they cannot find the payment (internet banking), I called 150 and was passed around differnt departments for hour and half, eventually they reinstated my services as a gesture of good will but have still charged me another tenner:x for paying my bill late. In my second letter sent 12th March, I gave them 30 days notice of my intention to terminate my contract, as they have not even bothered to reply I do not know what will happen when the 30 days are up (11th April). I certainly do not want to ring them again, on hold for hours, Ntl were never this bad.
  20. Joesoap, Try Great Universal Essentials - shop for all the latest in fashion and homeware Address is; Littlewoods Shop Direct Group Directors Office Thynne Street Bolton. BL3 6AX. Be prepared for a battle cus these people are...................... Good Luck.
  21. Mmmmm. Then how am I expected to know that are who they say they are and have a legal right to pursue me for the debt?
  22. Thanks Gizmo111. That's fine. CCM obviously don't know what the regs are. But then does the DCA not require a Deed of Assignment in order to pursue me for the debt? I will sending SAR's to Vodafone and 02 today.
  23. Is this true? I have two DCA's chasing me for moby money. One is Westcot (Vodafone) for around £400 and the other is Coporate Credit Media (O2) for around £80. CCA'd em on 12th March and CCM replied yesterday, they have forwarded my request onto the orignal lender. Please advise.
  24. Thanks sequenci. Is that the OFT guidlines or CCA.......?
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