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Seahorse

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Everything posted by Seahorse

  1. At first glance, I can see no interest rate, credit limit, APR. Certainly no T&C's. And there doesn't appear to be a signature on behalf of Barclaycard. If they ARE there, then they are fecked because they are illegible. In some circumstances, an application form CAN be the agreement. But certainly not in this case. If they are insisting it is, this suggests to me there never was a properly executed agreement. Yes, they could turn up in court at a later date and get this enforced should one turn up. But they have pretty much admitted that isn't likely to happen. I'm not sure what you are trying to achieve here. Are you just wanting to tell BC that you don't want their silly piece of plastic, and you have no intention of paying them a penny? Or are you trying to negotiate a reasonable settlement? Have you challenged them about any unlawful charges they might have hit you with in the past? The more info you can give, the better we can advise you as to what you should be writing.
  2. Doesn't matter at this stage now whether they comply in time with your CCA request. You are entitled to demand that they produce it as you will be able to ask for it in disclosure. I think they are hoping to scare you now, so don't let them. Get one of the guys who is clued up on the court stuff to help you. Obviously you will be defending, and I take it you'll want everything moved to your local court. That in itself will p!ss them off, as I'd imagine they were hoping you'd fold at the first hurdle and not even bother to turn up, thus winning by default. Sounds to me like they are desperately trying to get a win in sharpish cos they know they'll struggle with beating a s127 defence. Make no mistake... if you don't defend, they WILL win by default even if THEY are in default of your CCA request. I have a feeling that they might have shot themselves in the foot with trying to beat the clock here. I hope so anyway. Try getting hold of TomTerm to help with the court stuff. It might be an idea to talk to your local court now anyway, and see how helpful they are likely to be.
  3. Chancers though, eh? How many people will be paying up in similar circumstances. And paying back interest that bears no relationship whatsoever to the amount in the original agreement.
  4. I've had a request from their producer asking if I can expand on my question regarding a consumer requesting their credit report apparently waking up the DCA's. If anyone has any experience of this, and wouldn't mind me forwarding your details on, just email me at [email protected] Cheers folks.
  5. Cheers folks. I'll compile a lit of the juicier posts and email them over. If I get any feedback, I'll let you know.
  6. Well, without it, they haven't really properly indicated that they have been legally assigned the debt. But that would mean in court this... You - No you didn't Them - Yes we did You - No you didn't Them - Yes you did You - No you didn't Them - Yes we did You - No you didn't Them - Yes you did Judge - SHUT UP!!!! No, best to concentrate on concrete evidence. Or rather, NON concrete evidence, as there doesn't appear to actually BE any, and probably never will. Their letter indicates that they know there's feck all they can do. So I'd have a word with the FOS as it's way over the 8 weeks you can reasonably have been expected to wait for a satisfactory response. You don't NEED to tell them you are going to complain. But it might just help to rub salt in their wounds. Does that sound vindictive?
  7. YES!!!! Chances are they WON'T take you to court. But if they DO, you need to have a solid defence. Why let them win by default, just because they have scared the crap out of you? In fact, DON'T let them scare the crap out of you. In your CCA request, make sure you emphasise, I DO NOT ACKNOWLEDGE ANY DEBT DUE TO YOU. And tell them the £1 statutory fee is ONLY to be used to fulfil their obligations regarding your request. People on here WILL help. Posting here is the best thing you could ever have done. Now YOU are in control. NOT the Link Lunatics.
  8. Complaints procedure here... Complain : Cabot Financial Blog As Nailpost says, the FOS can let them know all about their obligations under the CCA. If there is no agreement, I wonder how they can otherwise claim that there is legally a debt outstanding. Nice to see that they acknowledge that it's unenforcable though. It's amazing that they think a copy of a template they MIGHT have sent, proves that a notice of assignment was ever sent. They tried that on with me. Nice try Cabot, but no cigar. In fact, if you SAR them, they don't actually send you copies of very much. They just run a few blank templates off, with the mail merge bits still in. They think they don't have to kep copies of correspondance sent. Which is why I prefer the email approach.
  9. Unlucky. Guess what I'll be doing this week. £30 seems like a good investment
  10. Does anyone remember the thread where there was a warning that requesting your credit report seemed to open the floodgates and led to being hounded again by the sleeping dogs of the DCA's suddenly waking up again? If anyone could point me in the right direction, or have personal experience of this happening, could you email me at [email protected] please. I've had an email from the producer of Radio 4's Moneybox asking for more info about this. Cheers folks.
  11. OK, serious question now. If anyone has requested their credit report, then suddenly found that they had "woken up" the sleeping dogs of the DCA's, would you please drop me a line? I've had a reply back from the Moneybox producer asking for more info, so now's your opportunity to get some feedback back to the media. Just that subject please. [email protected]
  12. Well, I'm going to go down the FOS route. That Neil Munroe geezer said they regulate them, so that's what I'll do. Wait, hang on a mo.. he also said £2 was the fee for a SAR. Maybe he actually doesn't know what he's on about. I'll ask the FOS first.
  13. Well, THAT was a load of old bollix. I don't think I'll be downloading their podcast.
  14. That's it, we're fecked. Even the industry thinks the £2 fee covers a full SAR. What hope have we got, if they don't understand the DPA?????
  15. HAHAHAHA. The poor dears think the £2 doesn't cover their costs, THAT's why they offer the £5 a month fee. Oh, and they say they offer a bertter service, with a report more suited to the needs of the consumer. IT'S THE SAME FECKIN REPORT YOU TWATS!!!
  16. Compensation, eh? But this Anne wifie thinks you have to chase the lender. Oh, THAT's interesting. We can complain to the FOS about the CRA's!!!!!
  17. OK, which Paul brought up defamation and libel? Nice one.
  18. HAHAHA. So far, they advise you to raise a dispute with the CRA, and they'll hopefully sort it. And the wummun who is supposed to be on our side thinks a notice of correction is good enough.
  19. But I've emailed too. I can't wait to hear what sh!te they come up with to the barrage of questions that must be heading their way.
  20. Just as well it's a radio programme. "Photogenic" is not a word I'd use in this case.
  21. Have you visited Link's website, and gone to the "customers" page? Here, have a look at this extract... "We accept payment by credit card, debit card, cheque or bank transfer. Alternatively, you may wish to discuss secured loan or remortgage options with us." Why don't you ask them to arrange a loan to pay it off? Oh, wait. No. They are actually in breach of OFT guidelines on debt collection there. Perhaps a complaint would be more appropriate. As for their threat that you need to phone them, DON'T. ANd if THEY phone, tell them that this is now in dispute, and they WILL only contact you in writing from now on. Have you worked out where you stand regarding charges? It's GE that you should really be chasing for those. It wouldn't do any harm either informing Link, in writing obviously, that you deny that there is a debt owing. Don't bother with an explanation at this point. It's important that you get this officially in dispute as soon as possible. These people are trying to panic you into doing ANYTHING to get them off your back. Bullying and harrassment are only two words that pop into my head. Don't forget, they CANNOT shoot you, and they CANNOT make you pregnant. So there's not much else to worry about, is there? Let's face it. YOU are in the right. So is court such a daunting prospect? There's loads of folks who will help here, so I say BOLLIX to Link.
  22. That's IT??? They are offering no proof that a debt is due, other than they SAY it is????????? I can't wait to hear what they say to justify themselves in court. I guess they are under the impression that this will go undefended. Sheer arrogance, IMVHO.
  23. The ICO isn't much better, but at least they bother to email me.
  24. I was in the studio audience pre-election debates a while back, and his whole attitude was one of "I'm a smug bugger and I don't give a monkies if you disagree with me". What made it worse was, it was Mrs Seahorse that was polled by phone and got the invite, so I wasn't allowed to ask questions. Oooohhh, it sent my blood pressure soaring. On the other hand, it was no end of fun watching Alex Salmond ripping the p*sh out of folks. Although he did remember it was my round in the bar afterwards. Hmmm.
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