So very kind of you, any idea when this might be.

CAR very well laid out. The only problem I see with this is that 98% of people dealing with this kind of correrspondence at the other end have an I.Q. of below 50, what you need to make sure is that this ends up with one of the remainder 2%.

Just shows how what sort of C***NS they are.

What India are you talking about.

Standard letter you first get a standar letter saying they have been instructed by Mint, then a PAYMENT DEMAND, followed by an URGENT ACTION REQUIRED, then NOTICE OF LEGAL PROCEEDINGS, followed by a letter from Green & Co. Solrs. then a call from AIC threatening all sorts of things followed by a visiting card, followed by a nasty letter and so on........

I presume that this is a Ltd company, if not what does the agreement say at the top and how much was the finance, were the 2 cars on one agreement or two seperate agreements

No Hurry what so ever.

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Representatives from the Association clarified the processes involved in tracing gone-aways to the Information Commissioners Office and how data is used both in the office and out in the field. Specifically, the Association detailed how its members currently validate data supplied by credit reference bureaux during their tracing activity. This includes comparing the information with other databases such as the voters’ roll and CCJ records, checking with neighbours at the debtor’s last known address, and confirming departure and new occupancy dates as well as contact telephone numbers and dates of birth. The Information Commissioners Office confirmed that it does not question this process. Does anyone really believe that the CSA told the ICO how they really behave in real life, I think not. The fear is the CRA's CSA are all going through the back door to OFT, ICO and lining them up in their favour. Perhaps the consumer pressure groups should have a meet with the OFT and ICO and give them a few lessons and examples of how crooked some of this organisations are.

how was the guarantee given and in what form

has the claim form been issued jointly to the company with your friends as party to. What sort of amount are we talking about and who is the creditor

I think there is no such thing as TT anymore, for a same day transfer you use CHAPS or BACS 3 days. However for transmitting funds to another country it varies from 2 days to 25 days.

Where does one stand if the creditor decides to change the credit card number and the number shown on an application form differs to the one currently being persued.

Because they also benefit from a tax relief on the penalty charges aswell, which in my view is not really a bad debt. I didn't say its not legitimate, and thus used the word creative.

is this for non payment

lets look at this scenario Debt = £1000 charges = £500 Total debt = £1500 Sell debt to DCA = £200 ish Relief from tax at say 45% = £585 Total receipt of £785 for the debt which was £1000 = not bad = very good creative accounting on the part of the original lender. Now if the original lender has a stake in the DCA then yes, you guessed it

hmmm. 10/04/07........A recreation has been requested for the LAF.. very interesting

TT exactly

Paul Worry not, you are a winner. My gut feeling. All the best

Now, for a lender to reconstruct a document from his records, he will need to know the content of the original agreement. If he has your original agreement then why not just send the copy.

just looks like a generic printout with your name on it. All the prescribed terms needs to be on the signature document. IMO

There are T&Cs and there are T&Cs. Just like the banks T&Cs which says they will charge us £25 for late payment, going overdrawn etc. I will gladly accept any refund, but I still demand my goods

IMO once they have accepted the monies they have entered into a contract, and they should honour it.

It is unreasonable to call on Sundays

Steven The creditor could argue: 3.1.1 Conditions for Processing (Schedule 2 of the Act) At least one of the following conditions must be met in the case of all processing of personal data (except where a relevant exemption applies):- • • The data subject has given his consent to the processing (see paragraph 3.1.5 below). The processing is necessary – (a) for the performance of a contract to which the data subject is a party; or (b) for the taking of steps at the request of the data subject with a view to entering into a contract.