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oscar52

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  1. Personally, I wouldnt be checking ANY credit files, why alert them to the fact you may have recieved their letter. I would just ignore, and IF and its a very big IF (like the size of Mt Everest *10) they issue any court papers, Statute Barred is a complete defence.
  2. Having worked within the credit industry, I personally wouldnt go with certain organisations for the reasons outlined above. There are better ways to deal with your debts, and soon you will feel like that phone advert - the futures bright, the futures orange.
  3. Halifax / HBOS are the same company - Halifax Bank of Scotland. They agreed to push out the Aqua card for SAV/Aviemore after they Sav purchased them from HFC. Cant remember all the ins and outs unfortunately. I think lowells are a standard Halifax DCA - not had any dealings with halifax except when they bought my account from HFC.
  4. Aqua are a trading name of HBOS - I have had the same letter regards my old HFC/Marbles account. Lowells are a DCA - who I also have a letter off (because 1st Credit DCA gave up) Aviemore are the underwriters of the card.
  5. Originally, when all this started this time last year, yes, but not in relation to charges etc. However, this is not the case any longer, and am going on the legal position of their failures.
  6. It is true I signed the application (as it is) and I dont deny having used the account or anything else. But I object to having the interest whacked up to a level that causes hardship (which is the crux of the entire arguement really). CCA was the only way to see if they had my agreement (or that I had agreed to the T&Cs to allow them to do this. Obviously, I didnt. Agree with the court issue, just wish to point out to FOS the irregularities of their arguement.
  7. I have linked all three pages to PBucket - thought this might be easier due to the length the post would have to be. Page 1 Page 2 Page 3 Thanks for looking. Any advice / input greatly appreciated.
  8. Thanks for the two posts - I will leave the SAR until after i get the next response from FOS. I agree with the the timescales for the DN - but it would have been deemed served on 24 (if posted 22nd) or (29/30 if posted any later only gives 11 clear days (taking away bank hols and non banking days). Then there is the arguement of delays because of the Christmas post
  9. Another quick question. Apologies, but just want to make sure I understand all, and dont dig a hole. If the DN is defective, does this mean the default should never have been placed on the credit file?
  10. Isnt the default after - or am I missing something? Remedy date was 09/01/09 (which was less than 14 days from service anyway) and default was 31/01/09. TY for link on defaults - not making a lot of sense at the moment, so will have another read tomorrow and see if it sinks in.
  11. More questions and further details. In my post above (default notice), from what I have read on here, this would appear to be invalid as it allowed insufficient time for remedy (12 days as apose to 14) I have been having a bit of a clear out of and found a statement from BOS (Marbles0 dated 17/03/09 - this caused me to look through the paper work I have. DN is dated 22/12/08 - this states the failure to make the minimum payments of X and that have exceeded credit limit by Y - they require payment of Y by 9/01/09 as this is greater than X. Further deatils also state that HFC will require the full payment of balance on the shown date. Default was registered on my credit file on 31/01/09. I then have a letter from BOS (dated 26/02/09) stating the next step will be to terminate my agreement. Further letter recived (dated 13/03/09) stating agreement has been terminated as on below post. Now I also have this statement (dated 17/03/09) - doe strhis indicate that the agreement wasnt terminated? And also, am I correct in thinking (from what I have read, or I may have misunderstood this) that the agreement should have been terminated before being registered with CRAs?
  12. Any further hints / tips / advice I could go back to FOS with?
  13. Assuming the next letter sent (certainly next one received) was from 1st credit on 30/03. Have two or three letters from them, last one dated 23/04 (after my phone call to them) stating that thye had requetsed my credit agreement which would be sent in due course (still waiting) and that they didnt have to provide the Deed of Assignment (refering to S136 of Property of Law Act 1925) - I actually asked for the notice of assignment)
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