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Micky the Hippo

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Everything posted by Micky the Hippo

  1. You are in good hands here, I suggest you follow the advice given and have no dialogue with the other party at all other than advised to. The other party throughout will try to intimidate and frighten you, most especially with legal action and court. It is almost certainly bluff. They can threaten court action, set a date and a time and fold on the morning of the day, they usually do. If they are offering settlement figures then that is a sign of weakness on their side. Hold your nerve, be brave and follow the advice you are given, it's worked for hundreds of others and it worked for me on several cases with several lenders far more reputable than doorstep merchants
  2. Cool, please consider a modest donation towards the running costs of the site in return for the support and advice.
  3. I'm not familiar with your case but two general points, if you really have had enough and you can afford to settle then do it. And the fact that they are agreeing to increasingly lower settlements could be seen as a weakness and reluctance to go to the last stages And the other side will try and discourage and unsettle you right up the last seconds that's what they do if you were confident only a month ago, what has actually changed since then to make you want to fold?
  4. Excellent, please consider a modest contribution to the site in recognition of the help you have had and the potential expense saved.
  5. Have not read the thread but the debt job will bluff all the way to the last second that they will take you to court and smash you to pieces. Just play a straight bat and do what you need to when you do and take it one step at a time.
  6. all going to plan so far, or at least exactly as my case did, hold your nerve
  7. No reason not to as car as I know, get it done.just don't leave it the end as it took me a few days to get through to someone.
  8. Takes a while to get through. The person at the other end knows the drill and will ask if you have the material you require to be able to mediate, you say no (CCA). That simple, getting through to them is the only aggy bit.
  9. Hello, still no agreement? It almost seems like the powers that can no longer be bothered to cobble together a copy. So far this one seems to be effectively the same as mine from what I read so far.
  10. The wife says this gets sent every month, tsk. Can mods delete please
  11. Hello all, I moved from Barclays quite some time ago, leaving behind an o redrawn account,within a limit, of about £1500. My wife has been repaying as part of a debt settlement thing di all good. Today a Termination Notice with effect from the 6th and tbey want the £1300 odd straight away else the usual threats. Just supposing I don't have that sort of money lying about ... Is there best practice from this point? I've done bank charges and credit card ccas but this is different I assume? Is there anything to challenge or is it just case of agreeing some sort of repayment with them? It's an old current account from perhaps 15 years ago that we stopped using perhaps 10 years or more ago. As ever thanks.
  12. hello Nurseslayer, Hoist/Cohen have just discontinued on my case, also without an agreement ever being produced, I had a court date set for next month. I appreciate our cases are different but as per the mods' advice, it's a matter of sticking with it and calling their bluff. I was expecting them to go a lot closer to the wire, perhaps they're having a pre crimbo tidy up, good luck.
  13. Good afternoon all, a letter today dated the 171219 telling me they have discontinued the claim and closed my account, along with an attached Notice of Discontinuance. That's it all done and dusted isn't it? If so, whoop and thanks once again for the guidance and help from dx and Andy and anyone else. For anyone reading this one, I never even got sent a reconstituted agreement, just a crappy print out of a web form that i was supposed to have filled out 12 odd years ago. A modest contribution to the website is on its way.
  14. have opened a case in Resolver for both pairs, will update as and when, off to the shop for a third pair this sat, not the same model this time.
  15. Right, I might go through Resolver, it certainly got my banks attention sharpish recently on another matter. It seems to me that two pairs of the same model of boots failing in succession strengthens my argument so should I start from scratch with both pairs n a single complaint?
  16. I leave you guess how the second pair of the same boots have done, the sole and the upper have torn apart in two separate places on the same boot, about an inch in each instance, i was going to let this slide but two pair on the trot is too much. Two pairs and we're barely half way through the season, and the astro boots only see half the games.
  17. Your business but they're trying to buy you off, what about your time to date? This case is rock solid isn't it? And this is their first offer. 'Offer him £200 to drop it'
  18. I'm not a lawyer but if that case went to the appeal court and was upheld that it can be used as precedence by the lower courts can't it?
  19. Hello, no real update here other then looking at me in Noddle and seeing the default date confirmed, this changes nothing does it? Account start date 18/05/2007 Date of default 27/05/2016
  20. Hello, I too am defending an old Barclaycard debt claimed by Hoist and a little further along, you might benefit from my thread with what I imagine will be the same questions that I had and sequence of events
  21. It even has a covering letter from BarcalyCard saying it's only the T&C. There no agreement there or anything with anyone's name and address on. As DX says. The BASE terms later on have 'Restricted Internal' stamped on them which implies they would not have been sent out to customers. So it has to be the correct T&C (no idea if they are) and it has to actually have the correct agreement form as well ...
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