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hillards

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hillards last won the day on February 1 2009

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  1. Thanks for responding. I had a feeling we would not have any recourse against what can only be termed discrimination. There's no way she is going to get a credit card so will have to use a local firm who are only too happy to accept sight of her council tax bill and driving license, but costs 50% more. Thankfully it's a rare occasion she needs to hire, in this case it was due to a breakdown.
  2. Just want to check in and see if there is anything further that can be done. In mid February our car broke down, clutch went. So it was taken to the garage and left with them to order the bits and sort out. It meant the wife was without a car for a few days. She works as a home carer and needs a car to get round to her clients. She can't just take the days off as the company she works for is short staffed and it could mean elderly people going without a visit, so no food, medication or whatever. Anyway, she went online and booked a car with Enterprise. This was early on a Friday afterno
  3. So we sit tight now until we hear from Restons, one way or the other? They filed a N1 in August, we defended as SB. They've since turned up statements showing payments made up to Jan 2017, so we've lost that defence really. Step-daughter isn't much good at keeping track of things. She didn't realise it was the same thing. She had been paying off an old Beneficial Bank loan, claim was made as HFC, hence confusion. In the meantime, we played 'hunt the paperwork' by way of CCA request and a SAR to the bank. Both have complied. Not sure here what will happen now. Cabot &
  4. Attached is a PDF of the 8 page agreement plus the three letters they sent. Account numbers and identifiable information plus signatures all removed. cabot-to-CAG.pdf
  5. Ah, you want to see... I need to get paperwork from step-daughter and scan then. Obviously removing any personal details and account numbers. Will ask when I see her next.
  6. Sadly, yes. They have sent copies of the signed agreement. There are 8 pages of it incl T's & C's. Looks to be a file copy of the original, not reconstructed.
  7. Restons last communication was half a tree of paper and suggesting she looks to withdraw her defence as it was now clear who the account had been with and that there were transactions within the last 6 years. This is now visible in the form of the HSBC statements sent by Cabot showing payments were made as recent as Jan 2017. On what grounds are we now defending this? Originally it was that she didn't know what it was about, which bank/lender. They've got her statement, signed by her. She claimed stat barred but they've turned up statements showing payments.
  8. Ref #53 Letter from Cabot arrived. Now claiming 'enforceable' They have sent a copy of the agreement, same as they've supplied before, along with a couple of their letters. A current (Cabot) statement and one showing what legal fees were added by them. They have also managed to get a copy of a statement from HSBC, 6 pages of transactions. They say this now complies with the CCA request and they can obtain a county court judgement - contact Restons to arrange to pay....
  9. The area was left with green tarmac after buses stopped running from there 12 years and I can see on Google street view that it was just double yellows up to last year's images, the latest they have. The council have informed me, via my local councillor, that the bus stop was added quite recently. I have to agree that there is a thick yellow line at the kerb side and the 'bus stop' markings are there. Very difficult to miss in the rain, when parking between other vehicles that were there at the time. My local knowledge of over 20 years in the town was that no buses run down that street
  10. Thanks for the info. It does go against what i read on the Police site re. the hours of operation though. I have contacted the council, rather convenient that the chap I need to speak to had left the office for the day and I need to call back. I'll see what the traffic order says. I am a disabled person with COPD and other ailments so try not to go out of the house unless I have to, hence using the wife's car to visit the dentist. I can copy the Google street view to show how it used to be, but would need to go back with a camera to show how it's marked out and any plates displayin
  11. I had an appointment for dental treatment last week. I parked the car, with a blue badge and 'clock' correctly displayed, on the opposite side of the road. This is an area previously covered by double yellows and had, 12+ years ago, been a service bus stop. I am fully aware that no service buses have used this stop since the opening of a new Interchange down the road in 2006. It is a popular parking place for blue badge holders as it is a quiet stretch of road since the buses stopped running through there, other services with stands in the next street stopped using this area of town las
  12. Sorry, should have said... Yes, She got a car with the payment. 2nd hand mind. She was starting a new job where she needed a car and 'forgot' where the money came from...
  13. Seems she had claimed the PPI in 2015 ( https://www.consumeractiongroup.co.uk/forum/showthread.php?491649-Beneficial-Bank-PPI-claim-for-step-daughter ) so that's out of the picture now. Previous loans were also covered in the info they sent. Cabot sent the letter ( mentioned in #53 ) confirming unenforceable, but they'll let her know if the rest of the paperwork turns up and they can pursue it. Of course they will... More recently, Restons sent half a tree of copies of all correspondence with Cabot, including the last letter mentioned above. They say she may like to reconsider her
  14. SAR stuff came back. A lot to wade through but the outcome was that she had already reclaimed the PPI... I wasn't sure, I got all the paperwork for her in 2015, she couldn't remember if she had sent it off - but therte was a copy of it in the SAR pack. Ah well, end of this thread then.
  15. Ah, but they've recently supplied a copy of the agreement under a previous request to a DCA Thanks for reminding me that they've had their month in which to supply the SAR though - not our fault that they've taken a few days off recently.
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