Hello, Has anybody issued court proceeding against the Nasty for recovery of advantage gold service fees???????? Have been in dispute for a long time now and they are ignoring me:rolleyes: I am looking to do so, but could do with some assistance with the poc Any advice greatly appreciated:D

Hiya Beetle, Interesting point, I have been expecting a claim coming through for some considerable time, any time, keep checking the post but its not there. Best shut up before I tempt fate:D I have received many threats, ignored them and waited;)

Hello Sinking, Just had a look at your ????agreement they sent you. It is a pre-contractual application form, from 1995. Did they upgrade your store card account to the &more credit card account in 2003. If they did where is the agreement for that one???? I have had the template letter to increase payments (wasnt making them any:confused:) and we want your income and expenditure. I did write to them regarding the disputed account and told them very very nicely, that I would not concede to their request. Bascially bog off and give me my credit agreement

Hello Cleo, Yes that was an excellent response from Beetle, in a nutshell:D M&S know but will try to mislead you into believing what they have stated. Even if you ask them to point out the legal aspects of their case, they are relying on, they will not:rolleyes: Rockwell knew and that is why they retreated into the shadows:D As I stated before, it is important to log any harassment calls from either M&S or any bully boy DCA's they pass this to. Be mindful that they may instruct another DCA or in time sell it on. M&S do not normally have the teeth to take you to court;) This is the only course of action they can take, because they know this is the only ????original they have a microfiche copy:rolleyes: of a pre-contractual application form for a store card, not the credit card of a &more upgraded account, that they tricked us into paying for:-x Keep you chin up, stand firm and do not falter:D

Hello Everbody, Letter going off today recorded, see what response I get back:rolleyes: Keep your fingers crossed for me:D

Hello All, I have deceided after the big fob-off from the Nasty regarding 3 loans taken out in 1998,2000 and 2001 to start again after the advice and guidance from the FOS. Will do the letters tonight:D

Hello AA, Sorry been away for a while, personal reasons I'm afraid:roll: I have bobbed in from time to time, to try to keep up to speed:???: Been a bit disheartened with the enforcement authorities, if that is what they call themselves. Bit like "shutting the stable door after the horse has bolted". They talk about treating customers fairly:rolleyes: Like they really care. I think I am going to approach the lovely Nastywest again regarding my complaint related to ppi on previous loans, that they have fobbed me of with. I will start a new thread:-D and you can come and help me:-D Anyway I do hope you are well and not to busy Ha Ha:-D

Hello cfc, It is not the FSA (Financial Services Authority) who will investigate your complaint. It is the Financial Ombudsman Service that you forward your complaint to for them to investigate and report back to you individually. It can take some time, but it is well worth the effort as if they rule in your favour, you will receive statutory interest of 8% on top. You could also apply compound interest:-D If M&S have given you their final response letter go to the FOS (Financial Ombudsman Service) and start the ball rolling. Just google FOS and enter their dedicated website, they will explain how to complain. Have you done a spreadsheet with all of the ppi payments, and also don't forget they will have charged their contractual interest rate on all of those payments. I do believe the ca with no box ticked for ppi is well in your favour. On another note, I would forward a complaint to the FSA (financial services authority) and the Office of Fair Trading. Just so they can put a big black x on their files regarding m&s. If they get enough X's they will investigate them and hopefully give them a substantial fine. The fsa have just slated lots of big companies for not investigating complaints and fobbing people off. I would of course keep good old M&S up to speed, and quote the new FSA ruling Don't know if you are aware that M&S is actually HSBS in cognito:rolleyes: Good luck and keep us posted, if you need assistance, shout:grin:

Hello AC and AA See you are still fighting the good fight:grin: Been away for a while, but trying to catch up to speed. Maybe look at recomplaining about the RBS loans they have tried to escape out of:D

Hello I do hope that you are going to challange M&S on this. They sold you the ppi, added interest to it and made a good good profit. When you applied On line, did it give you an option not to have the ppi applied to the loan. They normally do it such a way that it is impossible not to have it. Keep at them and don't give them an inch:grin:

Hello Sunflower, What brilliant news, well done One in the eye for Restons ~Bullies YeaHHHHHHHH!!!!!!!!!

Hello VD, I would be asking for a expert opinion of your credit agreement that they have sent you. Maybe post it up on the consumer credit agreement thread for opinions In my opinion its a bit dogdy:rolleyes: Looks pre-contractual. Where is your right to cancel and Key information points??????? Furthermore it appears to be a multiple agreement because it is also for insurance, which under the CCA 1974 should be in seperate sections and seperate signatures for both. Therefore you need to do some homework and then hit them with the facts..Have a look at ????section 18 of the cca regarding unrestricted, restricted credit. On another note, did you take out the insurance because you wanted it or was it part of the condition of the loan. You can look to trying to get the insurances and interest charged on it back:-D

Hello Cleo, Please don't despair I am in full agreement with Slick, these dca's really arn't going to state the truth, that they are really chancing their arm with this. They hope if they tell you enough you will fold. They are harassing you on a unproven alleged debt and have to take responsibility for their actions. Let them do their worse, I doubt very much it will be much. Log all calls from them and file their correspondence in a harassment file. Give them your wrath:D

Hello Ajs444 MMMmmmhhh M&S seem to be favouring this lot of late, MMMMmmhh or is it the others are giving them a wide berth;) Personally, I would be inclined to reel them in a bit, maybe harass you a while, log all telephone calls, file all threatening letterss etc good grounds for a harassment complaint. few breaches under the dpa etc and a whole load more to add to your case.

Hiya Cleo, Maybe they forgot to remove your file from their lets harass and scare people so they give us money pile:rolleyes: Yes I would do as you have stated give them both barrels and send them a copy of their previous letter. DDDDrrrrr morons that they are. Do consider asking them compensation for the stress they are causing you, due to their continued harassment over a seriously disputed account:D Tell them you are reporting them to the OFT:D and don't forget to do so.

Hello Cleo, It was not Rockwell they sold the account too. What did it state in their last letter, they have been instructed, or sold the account by M&S. it is important how they have worded this before your respond back to them. If it is intructed, then fire off your letter giving them both barrells, maybe ask for compensation for the stress their conduct is having upon. Tell them you are reporting them to the OFT and report them. If it is sold, then you have a fight with them, Please do not forgot to inform M&S of their rather dubious practice and that you are holding them responsible for their breach of the oft debt collection guidence and breah of the dpa by passing your personal details to third parties. Good luck:-D

:DHey it is great to see a M&S forum of its own. Will be much easier to compare and keep up to track. I have a thread on my dispute with this lot I shall try and retreive it. Not heard anything from this lot in about 18months and hey presto, they have exceeded all my expectations and sold it on to a dca:rolleyes: Cowards really, they really don't seem to have much of a stomach for a legal battle. So more fuel to the fire Oh well onwards and upwards

Duly Signed:D

Hello Paul, Any ideas which papers please

and of course me:D

Hello Roors, That letter I would consider to be a standard template letter, telling you if you don't cough up the coffers, they will sell it to a dca. This is what they did to me:D If they do sell it on, which is their normal practice. Personally I would write back to them, expressing your dissatisfaction with their dubious activities, selling the account whilst in legal dispute, sharing your data with third parties, etc etc:D I would not be overconcerned if they do, it will just be round two of the battle.

Hello, Well I never they have an employee called Morgan, who works for Morgans solicitors. How weird is that. Or it it the height of arrogance:rolleyes:

Hello Roors:D More scaring tactics I would presumme, had they able to issue court proceedings I think they would have done it by now:rolleyes: They would have to issue, win and get a ccj against you first, they I think then apply for a charging order and then have to go to court again to force you to sell. And that would be the judges decision at the end of the day to grant this, and I do believei this would have to exceptional circumstances. But they are attempting to scare you into submission. Can you fill us in, as to who the actual letter is from, is it MBNA or the dca and please type up word for word, what it is saying:rolleyes:

Oh dear, oh dear how unfortunate for you, that you would have had to pay a large portion of your success to this specialist that helped you get back your ppi and interest within a magical 12 weeks:rolleyes: When you could have done it all by yourself and kept the lot. This is a well established forum were many help others, for nothing but the satisfaction of helping to empower others to help themselves:) I find it rather offensive that you are using it for free advertising:mad: and hoping to make a quick buck on the back of others who have already been stung. Thankfully your post will be removed.

Hello Pinky, Unless they have previously issued at court and obtained a county court judgement against you, they can't do any of the above. IMHO they are trying to put the frighteners on you:rolleyes: They will use any tactic to do this I would be reporting them to the OFT:D for serious breach of the oft debt collection guidence for their behaviour. Continue with your log of calls, try and get names and employee id for your harassment file. Can you give us a link to a thread you have on this matter.