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davey77

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Everything posted by davey77

  1. Still need a license for watching live internet broadcasts tho don't you conniff: This page suggests that: BBC NEWS | Video and Audio | News Channel Live | BBC News Channel "The BBC News channel is available in the UK only. Don't forget, to watch TV online as it's being broadcast, you still need a TV License"
  2. I don't see you would need to take any steps tango34. If you are not watching a tv signal as it is broadcast and not visiting BBC wesbite for live tv then you are not required to have a license. I personally would send them (when you are ready) a recorded delivery letter stating your position and the reason why you will not be watching tv any more, thanking them for post broadcasts and 'wishing them luck in reversing the trend of inane and patronising programs.. and leave it at that. You are not actually required to inform them that you no longer wish to receive their service. Just cancel
  3. Usual tactic not to cash sar or CCA payments thereby trying to cut down on the paper trail (proof of your requests). They have received the request (recorded hopefully) therefore what they do with the money is their problem. I always used to be hung up on hoping they would cash the cheque in the early days but really it doesn't matter. Your requests are in, they have a time limit and if they fail then you report them. Done.
  4. Can't believe how many threats of a home visit i have had the last 3 years and still nobody has arrived. Don't worry about it.
  5. TONY HETHERINGTON: The readers' champion hunts down the rogues | Mail Online
  6. Office of Fair Trading falls victim to £250,000 fraud
  7. davey77

    Davey vs Amex

    True.. makes you wonder.. it's a great excuse not to launch an immediate investigation: "Sorry, snowed under, will do it one day tho". No further foward no. No contact from NCO/RMA. TS told me to get stuffed and i haven't bothered to reply to them. Was all geared up for it but i have lots on at the mo (for different reasons) and for now really only need to spend time writing letters that are either going to have an effect or get a positive result. Therefore the stinking useless and cowardly TS are at the bottom of the list. I am considering this for any further DCAs via amex to save
  8. davey77

    Davey vs Amex

    Or worse.. my first thought was that the ICO want to calculate what the potential profit lose for the creditors could be before giving an answer. As we know, most of the aims of the so called regulatory bodies (ICO, FSA, FOS TS etc) is to protect their powerful cousins in big business against massive loss. With this as an example... why need a specific case? The question is actually quite straight forward after all? Perhaps i am paranoid.. i will send the complaint off along with a copy of the email and we shall see what the response is....
  9. I have had a response from the ICO to the question sent to them (post 11 of this thread). "Case Reference Number ********** Dear Mr * Thank you for your correspondence dated 21 May 2009, regarding whether information about an account that has been part of a securitisation pool would be classed as personal data. I apologise for the delay in replying to you which was due to the large volume of correspondence that the office is currently handling. This has meant that we have not been able to reply as promptly as we would have wished. Under the Data Protection Act, “
  10. Think they just have different depts depending on what subject they are writing to you about. I have had those Ft Laudersale ones too.
  11. davey77

    Davey vs Amex

    Had this response from the ICO today: "Case Reference Number ********** Dear Mr * Thank you for your correspondence dated 21 May 2009, regarding whether information about an account that has been part of a securitisation pool would be classed as personal data. I apologise for the delay in replying to you which was due to the large volume of correspondence that the office is currently handling. This has meant that we have not been able to reply as promptly as we would have wished. Under the Data Protection Act, “personal data” means data which relate to a living in
  12. Spartathisis... i think the penalty interest could technically only be called unlawful.. not outright illegal. Have you complained to the ICO re the missing pages at all? Can't seem to find anyone that has found the ICO to be helpful as yet Thanks Angel...Appreciate anything you can add. I'll catch your threads when you update them. My book seems to be consisting of ranting and raving at the moment and a couple of literary agents are not interested in the subject matter.. but then again JK Rowling was turned down 10 times before her book was taken up too!
  13. First contact i have had from Link Financial (who bought the MBNA accounts) today in the form of a statement. No interest has been applied since being defaulted and no request for payment. Just a statement of account/s. Last communication from them was an invalid default notice (the second one placed on those accounts) last september 2008. No reply will be sent. I'll see if anything else turns up one day.
  14. Still awaiting on the ICO complaint re the missing pages of the agreement. That could take a long while. In the mean time no replies to Cabot.. can't be bothered with them to be honest.
  15. In future, no more calls.. Everything in writing only as proof of what was said. Hope it gets sorted for you.
  16. If you want to reject that offer and go for the full amount then inform them that although the OFT may not have challenged the Banks right to apply a certain charge, the OFT, by the same token, has NOT giving permission to Charge £12 either. I would adapt rev.ian's letter and amend to your own requirements, not forgetting to put that quote from the OFT: http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/187177-mint-pay-back-12-a.html
  17. If you don't owe anyone money then send mercers and Barclays an LBA informing them of your intention to start legal proceedings against them for attempted fraud and Libel if they do not confirm in writing that your unlawful Default is removed along with an official apology. Tell them you will be asking for substantial damages to be awarded for defamation of character and the detriment a falsely applied Default has caused your financial standing. Send it by recorded delivery and give them 14 days. i would also write to the CRAs (although they never do anything without the lenders say
  18. I think i read if you put your caravan on land permanently you'll need planning permission and all that too.
  19. If it seems to good to be true it probably is. I keep my eye on cheaper properties that come on the market (even though i have no hope of buying one) and when you look into matter closely (usually to do with the area) you'll often find that Bagdad is a more peaceful location to move to! Insurance could be a problem for non standard construction also getting a mortgage or a loan, even a small one, is hard enough when it's bricks and mortar let alone a pre-fab or caravan.
  20. Looks like this Judge got it right: Bank writes off man's debt just before court hearing - Ripon Today
  21. Interesting to see what they say to that letter.. if, in fact you get a reply at all.
  22. Very nice! I want one too! Be interesting to see if they follow through removing data from the credit files. Hopefully they will and you'll be done and dusted. Job done.
  23. Then look at this thread and fire off a CPR 31.16 to Mint. http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html Should you get nonsense back from Intrum.. then send them a request also under CPR 31.16 (they tend to give up quickly so you may not hear from them again.)
  24. I would throw back something along these lines to Intrum: Account in dispute I reference to your recent letter dated ***. The supply of unsigned generic terms and conditions may well be sufficient to comply with a creditor's duty under section 78 of the CCA1974 and i understand that the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557) at Regulation 3 allow the Signature box and signature to be omitted in a copy document but the copy document must contain all the terms of the agreement contained within the signed executed original do
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