Hi 13 DATA PROTECTION ISSUE Without an executed credit agreement......they are not allowed to process/transmit data Is the above your understanding or you have recited that from some authority. Thanks for the clarification in advance

Me thinks - there should be automatic penalties like they should give each data subject £1000.

Default Notice Ph. 15 States that the default amount was incorrect, in which case they should not have brought any claim against you in the first place.

Commercial leases normally contain a clause that the landlord may not unreasonably withhold consent blah blah blah.... If they took more than 14 days to grant consent/assignment I would say that is unreasonable. But since they already have a CCJ don't know how you would use this arguement against them. Just a thought

It would be useful to know when they got the CCJ

have they got a CCJ against you. Since in my opinion they would first need to get a CCJ before applying for a charge.

F.O.S. T.S. C.A.B. are all D.D.T's in 99% of cases

I would be inclined to reword along the lines like.... 3.The claimant, after having reason to believe the defendant was processing inaccurate information served a notice under section 10 of the data protection act instructing the defendant to cease processing any data and in particular ( I would list all the bad entries with details of alleged creditors etc) unless the defendant’s could prove said data was accurate. otherwise it might sound that you are just opposing the negative entries, this way you are not saying that it is just the bad entries but actually listing entries you have a dispute with. I hope you get the jist.

thanks car

Can someone clarify what is the affect, if a creditor terminates an agreement without issuing a default or before the expiry of a default.

the agreement in the above post is dated Sept'06, but the date at the top (looks like a date from fax machine) is Sept'04, some 2 years before.

Ha Ha Ha Hahaaaaaaaaaa

mandatory jail sentence. Minumum 10 years

What are the implications of a credit card company demanding the full amount before the expiry of the default notice.

I'd be inclined to ask them to supply you any independant valuation they might have done.

Hi Mike Any further with this

Is there anything on your credit file that would prove them wrong, i.e. that date of settlement or satisfied etc

WAY TO GO

Hi redsue any further with this

congrats dave

I have not had one CC company that has supplied this.

Not true in my experience this is done at a very short notice For what Uniboy is trying to achieve there is already a case law in respect of unenforceable agreements. Therefore there could be no legitimate defence.

Moonhawk-already answered this. Go for it

since there is no real prospect for the defendant to succeed, why not apply for a summary judgement. I would strongly suggest you look at this avenue.

Un1boy Any more on this