Jump to content

davey77

Registered Users

Change your profile picture
  • Content Count

    2,650
  • Joined

  • Last visited

  • Days Won

    2

Everything posted by davey77

  1. Looks like this one? http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/208820-section-78-write-off.html
  2. That's ok if you are just starting out and it's good to build a pile of correspondence as evidence but eventually it's a pointless task. After getting through aprox 11 DCAs per account over 2.5 yrs i have found it's best to go after the OC (original Creditor) unless the account has been sold outright. Fine to send a CCA request to a DCA to put them into check but it's most likely that many of the letters sent to DCAs (particularly in-house ones) are not even read for the most part. The only solution a DCA wants is £££$$$ cash. Nothing else will get them communicating in a professi
  3. FTAdviser.com - Whistleblower claims FOS adjudicators risk rushing complaints
  4. Onwards and upwards.. waiting for a reply from another one now...
  5. Sent this to a Solicitor this morning: "I am currently seeking legal advise on the best way forward in dealing with Credit Agreement issues i have with 3 Lenders and am writing to ask if you would kindly offer your opinions and/or the direction to take. Long term situation is as a Carer on Maximum Carer\'s Allowance + Income Support. (looking after my elderly mother). HFC Bank Credit Card (09 June 2004) Balance: £5,035. CCA1974 (s77-79) response: Single page application form. Signatures of Lender and Borrower, No Prescribed Terms. Just T&Cs leaflet. RBS (Mint) Credi
  6. Hi joemay, well had a little look at your thread i would say the chances of a write off (no matter how dire the circumstances) are slim to say the least. Especially with the likes of Halifax and their in-house Blair, Olivier and **** on the case. I tried that and got nowhere with many creditors. Requests for a write off were ignored or responded to with 'we cannot write this off at this time' etc I think it's a good idea that if you did ask for a write off then head it without prejudice so it can't be used against you later but if you feel your agreement is invalid then i would pursu
  7. For anyone battling to get fairness and impartiality with the FOS i suggest going through reallymadwoman's other very helpful threads: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/102011-blair-oliver-scott-bank.html
  8. Good luck with it anyway david999. This has already been posted elsewhere put putting it up here for others to read: Mis-sale battle takes five years | Mail Online
  9. They know exactly what they are doing im afraid. I would seriously consider not doing much with the FOS and going straight to Court with all this personally.
  10. Probably the other way around.. the employee's previous role was most likely within the finance industry/banking sector before he/she started work at the FOS and therefore partly why you get these types of decisions.
  11. They know the Law.. they just choose to ignore it quite often. The FOS stance is (and one that seems backed up by the government) that they "take account of the law but do not enforce it" which is what i have had quoted to me and which is a joke to say the least. More on the lovely FOS and what i think of them is here for your interest: http://www.consumeractiongroup.co.uk/forum/general/183738-why-does-fos-take-2.html#post2016037 You can often get a different opinion of an actual Ombudsman compared to an Adjudicator it has to be said, so good luck with that.. Mis-sale battle
  12. Thanks! Just to say.. haven't heard a peep out of them (and of course don't expect to either). 8-)
  13. It means the Rankines will have to go out and get a proper job now
  14. They want £35 per statement?! No way.. Do you have that in writing? If so i would make complaints about that to TS/OFT. If you want the statements and everything else they have on you i would send a SAR. That's £10 and you will (should) get everything they hold on you.. including statements for the life of the account.
  15. So the bank admits breach of contract and the FOS don't even take that admission into account. That whole saga stinks to high heaven. I hope you made it clear you didn't accept the FOS findings. An FOS decision is only legally binding when the two parties agree to it. And you have to be careful that, even though you disagree, the FOS don't write to you stating 'you agree with our decision'. "Accidently ommited from the legal contract" says the FOS.. exactly. A LEGAL CONTRACT that the opinion of an FOS employee has no legal bearing upon.
  16. So the bank admits breach of contract and the FOS don't even take that admission into account. That whole saga stinks to high heaven. I hope you made it clear you didn't accept the FOS findings. An FOS decision is only legally binding when the two parties agree to it. And you have to be careful that, even though you disagree, the FOS don't write to you stating 'you agree with our decision'. "Accidently ommited from the legal contract" says the FOS.. exactly. A LEGAL CONTRACT that the opinion of an FOS employee has no legal bearing upon.
  17. hmmm sorry but at a quick glance looks ok to me.. both signatures and monthly payments, total amount payable showing etc As it says at the bottom right.."the lender shoud have given you a copy 7 days before signing it etc', although even if they didn't i don't see how you could prove that conclusively. All i can suggest is that you check the APR amounts/figures for major discrepancies. Others may have further thoughts..
  18. I did ask a couple about tenant requirements with a poor credit file and they said any blemish on a credit file would mean they require a guarantor Yeah sure.. could ask them to do a trial run as it were (without having a property to go for) and see what comes back. I might be pleasantly surprised. Then i just need to find an agent that doesn't think most on carers allowance/benefits are dodgy I'll sort those adds out! Got to get out of Devon that's for sure! Cheers
  19. The Office of Fair Trading: OFT refuses credit licence to Lancashire debt management firm
  20. Can't really say what approach they will take with you to be honest. They will probably do what ever makes them the most money which is the plan B. i suspect. Hitting you with charges as much as possible. Suppose it's tricky to get a new account (with a large overdraft) and ditch lloyds is it?
  21. Well if you put your cursor over that FOS link you'll read what this site thinks and if you want to know what i think of them then here is something to read sometime: http://www.consumeractiongroup.co.uk/forum/general/183738-why-does-fos-take.html
  22. Hello! and welcome! By the way.. send the CCA request by recorded delivery.
  23. Letter 'N': Creditors and DCAs - Consumer Wiki
×
×
  • Create New...