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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

the_shadow

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Everything posted by the_shadow

  1. the_shadow
    MaxxPower, I think its slightly different with school holiday pricing, the dates are known and its factored into the budgeting/costing the airlines do so that people who travel outside of those times probably get a subsidised ride on the back of the families that have to travel on those dates. With the footie/Olympics its a one off or a moving date/time so probably not subsidising the other weeks as the school holiday travel does but rather pure profiteering. Thats my take on it anyway... would be good to find someone in the industry who could confirm/deny the school holidays costs help subsidise the other weeks/months travel S.
  2. the_shadow
    The trust register should give a reference and the court that issued the CCJ, you would then need to contact the court by telephone and ask for copies of the judgment and claim forms. Now judgement has been obtained the original creditor or DCA has no legal requirement to provide you with a copy of the agreement although you could try a SAR to the original creditor, this might take up to 40days for them to respond however. S.
  3. the_shadow
    As per Andy's comments it does sound like the original claim was sent to an address and as not defended a default judgment awarded. This should be recorded on your partners credit file as a CCJ. You can check details of the CCJ using the website I posted. With this information you can contact the court that awarded the CCJ (will show on trust website with reference number) and ask for a copy of the claim form and the judgement form. You will then be in a better position to know what exactly your partner is liable for and if interest has/is being added etc and can proceed as per Andy's instructions. S.
  4. the_shadow
    Do the court papers say what kind of proceedings, if they have a CCJ already then its some form of enforcement, either a charging order or an order for him to attend court and give an account of his finances perhaps... You say the letter from the debt collectors state an outstanding CCJ exists, have you searched the trust register for details of the CCJ? I'm afraid you have to pay (£4 I believe) but its worth doing. http://www.trustonline.org.uk/search-yourself S.
  5. the_shadow
    Even if it is enforceable you may be able to come to an agreement on a f&f if you can raise funds or even a repayment plan.... But post up the agreement minus identifying marks and we'll take a look. S.
  6. the_shadow
    Footie fans have always paid a premium to get normal flights to away games but this is taking it to another level. I wonder if other countries are experiencing the same for flights into the UK for the Olympics? Unfortunately I suspect they are. S.
  7. the_shadow
    My morse isnt up to scratch, can you give me a hand? S.
  8. the_shadow
    Data should be retained for 6 years after the account is closed according the money laundering regulations. The company that is currently marking your credit file is the current data controller and imho the ones who should be providing all the info in regards a SAR, I think you should threaten Citi with a complaint to the ICO if they dont play ball and advise them you will be reporting both them and opus to the FOS as clearly neither of them are sure where the hell your account records are, shocking state of affairs imho. S.
  9. the_shadow
    Long may his past work on here continue to help other people the same way he helped me and others. S.
  10. the_shadow
    Does it state "MAY" or does it say they "WILL" take you to court. If the letter states WILL then it does constitute a letter before action even if they do not then take that action. DX has read far more threads than me so will know more of how Morgans operate but it is a fact they do take people to court and sometimes even without the proper paperwork when they'll attempt to win by default. S.
  11. the_shadow
    Sorry, the account is a debt, can be sold under the Law of Property Act, no CCA needs to exist to sell the debt just *possibly* to enforce it. The proof of ownership of the debt is the Notice of Assignment sent from the new buyer of the debt giving you the account details and details of who now to pay, they also become the data controller and start to mark your credit file at the same time, taking over the default or record entered by the original creditor. S.
  12. the_shadow
    I have no idea why the telephone number goes elsewhere perhaps they have an agreement for any overspill of work to be farmed out to this other solicitor or perhaps one is acting on behalf of morgans in this case. Fact is you have been advised on court papers that Morgans are the opposing solicitors, along with this should be a registered address and a contact number. That company are the ones any application is raised against in the absence of a change of solicitors notification from them and the court. If you apply and it turns out someone else is dealing you would be entitled to claim the costs of application back from the solicitors in question imho as they have not provided you with the required notification, its not enough just to let the court know. S.
  13. the_shadow
    hmm, if they have changed then yes a notification should have been sent to the court and yourself... Wrighthassell http://www.wrighthassall.co.uk/
  14. the_shadow
    Not providing a CCA is not a dispute as such I'm afraid imho, they were perfectly entitled to sell the account on, the only sanction for not providing a response to your s78 request is the fact they wouldnt be able to take you to court until such time they do. S.
  15. the_shadow
    I'm afraid the short of it is you cant, unless you can prove you never had advantage of the money. various cases over the last couple of years have allowed a creditor to mark you credit file even without a CCA as its not seemed enforcement its allowed. If you were defaulted then after 6 years of non-payment or non-acknowledgement it'll drop off your credit file automatically. S.
  16. the_shadow
    Link now updated for all to see
  17. the_shadow
    Yep the link goes to a restricted part of the forum.. try this one instead.. http://govanlc.blogspot.co.uk/2012/06/glc-unfair-bank-charges-update-phase-2.html S.
  18. the_shadow
    haha Muck hall Nowhere lower to go now then S.
  19. the_shadow
    If shown the purchase date HAS to be accurate otherwise the notice of assignment becomes null and void. S.
  20. the_shadow
    Actually scratch the s10 idea as they have a right to report just not inaccurately. I still say they have no right to default you, they didnt purchase this as a running account it was already closed and ceased, Egg should have defaulted you if they so wished, they were happy not to, so they(arrow) cannot provide the full functionality as an original creditor and hence lose the right to record a default, I might be wrong but thats my opinion. Raise a formal complaint with arrow in regards the default/balance being inaccurate and state you will complain to the ICO in 14 days if they dont correct, send signed for or obtain proof of postage. S.
  21. the_shadow
    I think you've been dealt badly with by both Egg and Arrow here. If you have it in writing that the default was not placed on the account by Egg i would challenge Arrow to remove said marker with a s10 data protection notice clearly stating the reasons why the default should not be on your record. S.
  22. the_shadow
    Sometimes its just helpful to see it writing and reading it back to ensure you are on the right path S.
  23. the_shadow
    Ok, in that case yes heading any letters with the I do not acknowledge tagline will NOT count as an acknowledgement of any kind. Any F&F offers however could restart the stat barred clock despite putting "without prejudice or adding the aforementioned tagline" hence the need for clarification. S.
  24. the_shadow
    Is this in regards a f&f offer? S.
  25. the_shadow
    yep, know that feeling

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