Congrats! Are you going to chase them up over your CRA entries too?

They did the same with me................I refused and they settled in full by return.............just remind them that you wiull be asking for full disclosure of how their charges are arrived at lol!:grin: :grin:

You will have to ask the permission of the court to allow you to act as a "MacKenzie Friend".

was the original offer for settlement endorsed by them "Without Prejudice" ? If not advise them you will be producing it to the court. As to the £175 if they have credited you for those particular charges then you can't claim these again as if it went to court the Judge would probably not look favourably on it. However if you don't beleive they have credited you for those charges carry on........must admit I got a bit lost in that part of your original question!

Would any one know whether in circumstances where because the cc has not complied with cca request and you stop making payments to the account for non compliance of a CCA request for say a period of 6 months - if the cc then produces a valid executed agreement would you then have to pay them the previous 6 months interest or does the interest clock start again from the date they produce the valid agreement?

You're entitled to reclaim the SAR fee of £10. As to the previously agreed bundle costs of £475 ring them (& fax a letter confirming conversation) that the schedule they've produced has ommitted the trial bundle cost already agreed and the SAR fee.

File for non compliance .............the muddle they're in at their end is down to them not you

They won't offer you the full amount they owe you (don't forget to include the interest they've charged on all penalty fees over last 6 years too)............

Of course they could refund these latest charges immediately - they're just making things difficult for you & trying to pressurise you.......but at least you know they will have to refund the whole lot eventually

Ask them to specify the relevant statute which gives them the legal authority to process your data without your permission and without a signed contract.................... Think you'll find they can't answer that one

I'm sure it has ..but its a very long and convoluted thread ! But if you combine the CCA request with the Data one wouldn't that stop all this messing around by the CC's and Banks - either they have a true agreement or not .............produce it or fold.............and if they produce a cut and paste version then methinks its no longer a civil matter but a criminal matter as they are trying to obtain a pecuniary advantage (an enforceable contract) by use of a fraudulent instrument - or are they somehow exempt from the laws of the land???? :???:

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I'm curious..........if the CC or bank are providing the CRA's with information on late payments and defaults but aren't providing you with your true signed agreement which allows them to pass your personal Data onto third parties then surely they must immediately desist in sending CRA's your information or alternatively provide you with the true signed copy??? If they only provide you with unsigned copies and terms can't you write to the CRA's enclosing the CC or Banks correspondance and say that in the absence of a true signed agreement they are handling your data without permission?? :???:

T'is fraud me dear and also an apparant attempt to obtain a pecuniary advantage by deception through production of a fraudulent instrument...................maybe a visit to the local rozzers would be in order??

Have you included any interest they charged you on each penalty charge?:idea:

Write back and give them a further 7 days to fully comply. If they write back and say they only keep 6 years records ask for a copy of the Certificate of destruction.

Well if they haven't paid you within the 28 days looks like they now have a CCJ against them for the next six years 'cos ev en if they pay tomorrow it wasn't within the 28 day period and therefore will onlyu be marked as 'satisfied' on the register of judgements

They can't close your mortgage unless you default on payments

If you haven't settled with them before wednesday then you must turn up to court or you will lose by default if they turn up

Faqntastic news.....gives hope to all!!! :-D :-D

Yes but if I was the banks I would be seriously considering putting someone forward with a weak case that they can use to create a "precedent" to stop the flood of claims they must now be experiencing from escalating further............ If he loses at the high court then that is binding on lower courts........would probably have to be overturned at the Appeal Court........would probably halt the small claim cases. Must admit I am highly suspicious too.......................

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