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About James31

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  1. Just to update this, I had such trouble getting a breakdown of loans from QQ that I ended up complaining to the ICO. The very next day I got the information I'd been asking for, for months, plus £200 compensation on top from QQ.
  2. I've wondered that before. Anybody know how many adjudicators there are roughly? I find it slightly embarrassing to have two complaints of a similar nature looked at by the same person, for some reason.
  3. It's taken almost a year (see my post from October on page 1) but the FOS have upheld my complaint against QuickQuid. They are to repay all interest for 76 out of 79 loans, plus simple interest at 8%, plus £350 compensation. It's a huge five figure sum. FOS agreed that QuickQuid's checks were inadequate and that the loans were unaffordable. I can't dance just yet because despite FOS making their final decision 29 days ago, QQ are yet to contact me and are back to ignoring all correspondence from me. I will do the same with Wonga now I think!
  4. Ah goodie... Robbing**** Way are involved with one of the accounts now. CCA'd them. Interestingly (or perhaps not), they sent two letters in the same envelope, one of which is branded up as them and the other has some fabricated letter header and footer representing the original creditor. My Dad assumed it was from the creditor, but it isn't. It explains that the debt has been sold (to Hoist). That's not cricket is it. I guess it doesn't matter much, but to the layman it gives the impression that the letter is from someone other than RW. Not sure what I can read into that, but let
  5. They were 2nd largest actually - 12k. I wrote to them 4 times over the course of 4 months before they refused the lower payments. CCA in Dec, nothing heard from them since.
  6. With the exception of Smile, yes. I have to say, they were all very good about it. My parents find it all very worrying, so as long as the creditors are willing to accept the reduced payments, then they will keep paying. If they sell to DC's or stop taking reduced payments, then I will CCA each one in turn.
  7. Update. Well, all of the creditors agreed reduced payments except for Smile. Tesco ignored all of my letters and passed the debt to Wescott. I CCA'd Wescott, which resulted in the debt being passed back to Tesco and the reduced payment accepted. The latest is that MBNA have sold the debt for that card to Link Financial so I have CCA'd them. Previously, they'd accepted a reduced payment plan but have since got bored I suspect. Odd, MBNA didn't even ask for the balance themselves before they sold it. I fully expect all of these accounts to go the same way in the end but so long as it'
  8. The collection sounds like rubbish to me. You made the request, they have your address, they should post it IMO. However, for the sake of moving things forward, I'd ensure it was ready and arrange to collect if it helps the cause. Another black mark for them, not cooperating fully. On the drug company, if some truly unexpected event occurred and was directly associated with the meds, then assuming that the drug was administered correctly and of the correct dose, Saffi was in a fit state and suitable and of the correct weight, etc, etc, etc, then that is probably a dead end in terms of
  9. Senus, I'm sorry you lost your reply! That's very frustrating isn't it. Was Saffi having regular blood analysis? One thing we learned from our Cat Lady, was to make sure that we always do geriatric blood testing in future at least once a year once our cats get older. I'm wondering if perhaps Saffi had an underlying confidition which had gone unnoticed. If there had been blood tests, then you may well be able to rule some things out and make your case stronger. If you haven't done so already, I would send a Subject Access Request letter to the vet. Assuming you haven't, here's the bo
  10. Hi Jerbean. I've just read your thread, did you manage to get a copy of the full medical history for your cat in the end? If you did send the SAR request mid december, the 40 day limit would be up by now...
  11. Reading back through this thread, I realised that I never updated it with the final outcome. A vet and an investigator from RCVS eventually came to our house to talk about it all. They said that they believed us throughout. Without so much as saying it, they indicated that they knew she had lied, cheated, covered things up and was at fault and that the only reason they didn't proceed to a hearing was that the standard of evidence just wasn't high enough. That annoyed me because they certainly could have taken steps (as I mentioned before) to obtain evidence by methods I couldn't do
  12. £3,800 is a fair whack isn't it. The notes we received from our "vet" had been heavily edited. We knew this was the case because of some glaring mistakes and there was even evidence of a "newer" user of their system logged against notes which were created prior to that user existing (i.e. editing). I begged RCVS to ask her to produce a backup for comparison against the printed report we received. They're so out of date that they couldn't see or understand my reasoning, but I'm a software engineer and knew it was possible to have it verified it using a number of methods. They don't hav
  13. Sensus, certainly the way to go. Unfortunately we learned the hard way that the RCVS aren't fit for purpose. It ends up being a long, drawn out process to complain through them and even when presented with tonnes of evidence (we even had falsified test results), only the absolute minority get justice (less than 1%).
  14. Hmmm - Quickquid said via email, when asked for info on my previous loans; "Please forward your request along with your cheque for £10.00 ( the cost of the copies requested, per loan or extension)" Per loan or extension? Surely that's not correct? I have sent £10 for everything... Anyone had similar?
  15. I've had a copy sent of the T&C's but unfortunately the copy isn't readable. The main features of the front page are OK, but the T&'C's are pants.
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