This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Thanks for your reply, Martin. I've been ringing them all day since 10 this morning... it just rings out then goes to answer machine which is full anyway so I can't even leave a message. It's just the lack of communication which is really, really bad. No calls answered and no emails replied to! I'm going into my bank tomorrow to see if they can do a chargeback, I'm absolutely gutted about this. I just think that if they had posted it out then they should be letting me know, but in all honesty I doubt it has been posted.

Hey all Looking for some advice please. I purchased a £119.00 karaoke machine for my girlfriend on Sunday 11th July through PayPal. The site I used is Karaoke, Karaoke Machine, Karaoke Music, Karaoke Player & Karaoke Equipment - A1 Karaoke Nights . On Tuesday night I checked on the website to see if my order had been updated, it had and it said 'delivered' I was a bit worried at this point as I hadn't received it. I emailed a1karaokenights and they said it should have been delivered that day but as it hadn't it would definitely come the following day (Wednesday). However, it didn't. I have emailed them a few times yesterday and today and I've also been trying to call them but I've had no answer. I'm obviously getting anxious now as it's my gfs birthday on Wednesday and it's for that. I know some people may say just wait a few days but the lack of contact is concerning me and the fact it's the third day that it should have been delievered it worrying. Can someone offer advice please? Thanks very much KC

I'm just curious. I purchased a used PC 2 months ago for my grandma. A week or so ago it broke so I took it back to be fixed but they didn't give me a price. Anyway, they have now fixed it and said £85+vat. All that was said about price was when I called them a few days before taking it in, I asked 'how much?' and he said 'If it's just a small problem then it will be free'. So, my question is, should a price be discussed beforehand? Or can they just give me any figure and I have to pay it? Cheers

Bump, sorry, but I need some help please!

Thanks, Rory. Do you have a template I could use please? I have no idea what to be writing. Thanks again KC

Can anyone help, please?

Well apparently not! They are still harrassing her. I spoke to them on the phone about 2 months ago and I said I was waiting for an agreement form from Barclaycard. They called BC and BC said that they had sent one... but to suspend the account for a month. Of course they hadn't sent one, they had only posted the application form. Anyway, they're now back harrassing my mum. Any ideas, guys? Thanks very much KC

Excellent. Thanks very much. I shall get that letter posted off today at some point. I'm just wondering if it would be worth sending a letter off to the DCA also? Not a clue really what to write though. Thanks again, Timsta.

Is there any way my mum can get confirmation that BC would have dropped it? Thank for the reply BTW.

Cheers for that Rory. Will this letter get the bailiffs off my mums back too?

Thanks for the reply, Rory, however, I haven't a clue. It's just a letter I found on here with regards to replying to them. Can you please tell me what I should write in a letter? Thanks very much. KC

Thanks for that, BigBearUk. I'm not sure though as my mum can't find her RD slips! I'll get on at her to try and find them.

Yeah, thats the one. I tried editing mine, but still not working. Anyway, I've found the letter below, so I'm thinking I send that off? I'm just a little confused about dates... can someone please help with that? Cheers. Re: My request under s78 of the Consumer Credit Act 1974. Thank you for your recent letter sent to me dated 13th July 2007 the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 4th June 2007. Upon receipt of the original request the specified account legally entered into disputed status. My request remains outstanding. An application form does not constitute a true copy of a credit agreement and that which you sent doesn't even contain all the prescribed terms and is not 'properly executed'. The statements sent do not correspond to the amount stated in your earliest correspondence and therefore they do not satisfy the requirement to supply me with a statement of account. As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law. You had until LLLLLLLLLLLLLLDATELLLLLLLLLLLLLLLLLL to provide me with the true copy I requested. After that date you entered into default of my request. Whilst the account is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agencies (or any third party). To register information with a credit reference agency, you must have written consent from the data subject to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this. The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. Any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office. The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed credit agreement within 12 working days of a proper CCA request. If you fail to comply with a legitimate request the account enters a default situation and if you fail to comply after a further 30 days you commit an offence. You entered into a default on 25th May 2007 and subsequently committed a criminal offence on 25th June 2007. Therefore you have 7 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint; otherwise your conduct will be reported to the Office of Fair Trading, the Financial Ombudsman and Trading Standards. Any investigation undertaken by them may affect your ability to offer credit in the future. To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me. I look forward to your reply. Yours faithfully

Thanks, Grobbo. I've just posted on your thread.

I just found this letter somewhere on the board. thanks for the reply on my thread btw. Re: My request under s78 of the Consumer Credit Act 1974. Thank you for your recent letter sent to me dated 13th July 2007 the contents of which are noted. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974. The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter, dated 4th June 2007. Upon receipt of the original request the specified account legally entered into disputed status. My request remains outstanding. An application form does not constitute a true copy of a credit agreement and that which you sent doesn't even contain all the prescribed terms and is not 'properly executed'. The statements sent do not correspond to the amount stated in your earliest correspondence and therefore they do not satisfy the requirement to supply me with a statement of account. As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law. You had until *insert date* to provide me with the true copy I requested. After that date you entered into default of my request. Whilst the account is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agencies (or any third party). To register information with a credit reference agency, you must have written consent from the data subject to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this. The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. Any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office. The time limits, which are laid down in the Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 are clear. You must supply an executed credit agreement within 12 working days of a proper CCA request. If you fail to comply with a legitimate request the account enters a default situation and if you fail to comply after a further 30 days you commit an offence. You entered into a default on 25th May 2007 and subsequently committed a criminal offence on 25th June 2007. Therefore you have 7 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint; otherwise your conduct will be reported to the Office of Fair Trading, the Financial Ombudsman and Trading Standards. Any investigation undertaken by them may affect your ability to offer credit in the future. To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me. I look forward to your reply. Yours faithfully

Hey again... This post is continued from the link below. I'm just not getting any replies, so hope this is ok. I'm being impatient, so sorry about that. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/79151-power2contact-credit-solution.html My mum has recently received this copy from BarclayCard, theyre saying it's 'a copy of the original signed agreement'. I really don't think it is though... can someone please confirm? We sent the CCA off on the 4th June... this letter was received on the 13th July. Are they in breech by now? Thanks. http://i54.photobucket.com/albums/g95/KC-2006/BCApplicationFormcopy.jpg What is the next step now? Mum is really worrying that bailiffs are gonna come a knockin.

Hey again. My mum has recently received this copy from BarclayCard, theyre saying it's 'a copy of the original signed agreement'. I really don't think it is though... can someone please confirm? We sent the CCA off on the 4th June... this letter was received on the 13th July. Thanks. http://i54.photobucket.com/albums/g95/KC-2006/BCApplicationFormcopy.jpg What is the next step now? Mum is really worrying that bailiffs are gonna come a knockin.

Thats exactly what they've done with my mum... but hey, that's good news, AllyKat!

Thanks AllyKat, you're a star! Just wondering though, should I wait until I hear back from them with the CCA before commencing with getting the charges back?

Sorry to bump this, but I really do need some help. Thanks.

This is another letter my mum has received from a debt collection agency (Mackenzie Hall) with regards to an Abbey account she had about 7/8 years ago. We sent them a CCA... We refer to your letter dated 4/6/7 We have contacted our client for a copy of your agreement and statement of your account. Your account is currently on 'Hold'. Please be assured that no action will be taken against you. Should we not receive the relevant proof from our client within 28 days, we will close your file and return the file to our client. Our client will then decide what step to take. As a gesture of goodwill, your payment has been returned. King regards

Hey everyone Well mum received her statements back yesterday and I'm just wondering what the next step is now. Some things that are on the statements are: Over credit limit charge £12/£24 Late payment charge Exceeded limit Payment protection plan Interest on standard balance Interest Interest on cash balance Cash adv/chq handling fee Now can any of these be claimed back? On the bottom of the covering letter for the statements it reads "The information we have enclosed relating to this account is all that we hold". Seperately we sent Barclaycard a CCA also, so would this be referring to this letter? Or will they send one separately? The credit limit on the card was £480 and the end amount was £871.11 Thanks for any help. Just really need to know where to go from here. Cheers KC

Hey everyone, I'm not sure if I have the correct section, but here goes. I'm writing this on behalf of my cousin, she's got in arrears with her rent (it's a council house) and today she's received a repossession order and a court date. She owes around £500, (not sure of exact figure). She was paying £240 a month, but last month could only afford to pay £220 and so the council sent the papers off to court. I'm just wondering if it's likely she'll get evicted? She has lived in the house for 16 years Any help/advice would be much welcomed. Thanks very much.