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About majorclanger100

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  1. Hi seriously fed up Yeah the same thing has happened to us with an old Abbey (MBNA) credit card - we got the same letter as you. Certainly sounds like financial machinations, as you say - and a bit of the old 'tax efficiency'..! Arrow tried it on with this one three years ago though and are now seriously in the poo. MBNA had (rather stupidly) included an internal memo saying 'the original credit agreement has been destroyed' with our SAR - when the debt was assigned to Arrow we told them to clear off because there was no way they were ever going to be able to produce an agreemen
  2. It is very good to see that those poor bankers at RBS are getting bonuses totalling £950m despite making a loss of £1.13bn - we really aren't 'all in this together' are we, Mr Cameron?! Here is an illustration of bank charges being levied at a ridiculous level. I am lucky not to be in financial hardship, but it is pretty easy to see that for someone where money is really tight this sort of shennanigans could totally destroy their finances (as Woolwich did to me six years ago). In October 2009 I stupidly agreed to sign up for a Natwest Advantage account - you pay a flat charge of £1
  3. Just wondering whether anyone has had any luck complaining about LCS Solicitors, which are the 'legal division' of 1st Credit? LCS are not registered with the Law Society and I cannot find any information about their principal, R D Marr. I know they are simply a division of 1st Crud and all their letters and phone calls are made by 1st Crud collection monkeys, but surely they are guilty of misrepresentation - both breaching the OFT debt collection guidelines and the Solicitors Regulation Authority Solicitors' Code of Conduct (not that they appear to be registered solicitors, of cours
  4. ROFL Bazooka Boo Oh that is brilliant - made my day! Thanks for all your advice guys - very helpful. You can sure see how cases like Beryl Brazier's happen. My poor mum-in-law is getting extremely depressed about this - she has got her family around her for support but when you are ill and elderly this sort of bullying is bound to impact on you. And DCAs know this - they are nothing better than gutter-****. MC
  5. It might be worth threatening MoreThan by claiming they've breached the Treating Customers Fairly (TCF) proviso of the FSA guidelines for general insurance. This would be in relation to them offering a much higher premium to your mother-in-law for renewal of the same risk than they have offered for new business. This is unjustified - the vast majority of the administrative costs of an insurance policy for an insurer are incurred during new business stage - renewals are where you make your money, hence why underwriters fight to retain profitable business. The beauty of TCF is that t
  6. It never rains but it pours.... My poor mum-in-law is now getting several calls a day from another DCA - these are automated messages asking if she is Mrs So-and-So - if she is could she press 1, if not could she press 2... She actually isn't this person so we can only assume they've got their details wrong (what a surprise ). She has got herself in a right state - understandably, as this is nothing more than harassment. I've had some cr*p from DCAs in my time but this one takes the biscuit. What part of the OFT guidance concerning DCAs not chasing people when they are not s
  7. oh now we've received a threat of court action from 1st Credit and are getting the usual threatening phone calls and voicetext messages left on the answerphone. I am tempted to let them take me to court and then absolutely screw them for costs, but at what point do I notify them of the unlawful recission?
  8. Thanks very much for your advice, Miss Muppet. Luckily we didn't pay anything to 1st Credit - largely because they started being all 1st Creditish and therefore we decided they weren't getting a bean! Funny to reflect that if they'd been reasonable and polite we'd have paid instalments and therefore this account wouldn't be dead as a dodo. Hoist by their own petard, methinks!!! MC
  9. Thanks for the replies everyone. Don't worry, as they won't get away with this - the whole family is furious about their actions, so have a cunning plan!!! We've contacted the police and are also taking legal advice (thanks for the suggestion about exploring whether this might be a case of criminal extortion, Jimbo). I remember the tragic case of poor Mrs Brazier - an example of how these **** can push people into absolute desperation. Those of us lucky enough to have support from CAG may have lost our fear of DCAs and can see them for what they are, but sadly there are still pl
  10. Damn! I've done some digging through our files and it looks like we got into some correspondence with 1st Credit the first time they dealt with the account (post DN and termination) which included an offer of monthly payments... Does this mean that we've effectively accepted continuance of the agreement, despite the unlawful recission? Luckily the agreement is still unenforceable!!
  11. Another horror story caused by a DCA bully-boy (cannot idenitfy at this stage as we have got our MP involved and are looking at legal action and media exposure). The DCA which owns the debt has a track record of pursuing people who are the wrong debtor. My mother-in-law is 79, disabled, in very poor health and vulnerable. Back in 2007 she had a heart bypass operation and whilst we were staying with her whilst she was recuperating at home we noticed she was getting phone calls that were distressing her. Eventually she told us she had been paying £5.00 a month to a DCA since 2
  12. Just wondered whether anyone had a bit of advice/useful comments to make about this one, please?! We've just been contacted by our old mates 1st Credit for a debt that goes back some years. We defaulted back in 2007 and the OC sent a default notice which gave 14 days to remedy, but no allowance for postage, and then we received a demand from a debt collector dated the last day of the 14 days demanding the full amount outstanding under the account. The OC then sent us a letter saying they wouldn't default us if we paid the arrears, but I'd already sent a letter accepting the unlawful
  13. I agree with vusys1 - make a complaint to your insurer and ask them to sort out Enterprise. I've had a couple of appalling experiences with Enterprise myself - to me their staff appear poorly trained and often lack any sense of customer service. However when I complained direct to the managing director (having had no luck with anyone else) they dealt very efficiently with my complaint. I wouldn't ever use them again, even if specified by my insurer, but it might be worth you making a formal complaint to their head office as well as trying to get your insurer to sort it out.
  14. Thanks for the advice The DCA in question is our old friends Aktiv Krapital
  15. Sorry to bump but please could someone advise on this one? Thanks!
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