Definately not a "dirty" phone call then

La Redoute don't have them, expect a blank copy, print out and some covering letter saying you agreed this and you agreed that and this is all they need to supply ...... don't react, sit tight, it is utter rubbish and not a fully executed copy. After the 42 days you will be in control.

Definately CCA La Redoute, they don't have any, I am still waiting for mine and so far the best they have come up with is a blank one with a computer print out.

Thanks, I think I will give that a go, have some statements so can make some guestimates from those.

Well, my deadline expires today so I need to press on unless anything is on the doormat when I get home, any one know if I can use MCOL for non-compliance with SAR s ???

Here starteth the rant !!

Just in the early stages with this lot, my existing agreement expires this month so I noticed their number has popped in my phone log during the day when I am out and also they haven't cashed my last cheque. Now here is a surprise, they haven't got the cheque and sent me a snotty letter threatening this that and the other. Answered the next call when I was in, explained I had sent etc etc, don't like the tone of the letter you have sent to me, I will send them a letter about it, don't like dealing over the phone, write back when you have got it. Sent copy of letter enc cheque that they claim not to have recieved with copy of proof of posting ..... same day rang back, we haven't had a payment !! I had to instruct the call centre bod to read the notes on the file back to me .... I know all this is mind games and I should just hang up but I carried on, tied the girl up in knots a little bit, had sent a CCA & S.A.R - (Subject Access Request) two days before but didn't reveal this, then call taken over by smarmy male who had been listening in ... mmmmm. Told him I didn't consider the cheque lost as the first one I sent them took them 16 days to find and cash, for some reason this idiot was insistent did I know this for a fact ? Well how do you know it isn't there then ? I asked, "Well I can assume it isn't !!", you need to speak to the PO then I did send it ... well how can I do that then .... well if I was you I would open the phone book and ring them !! Then he said my payment was late, how do you work this out then, well your agreement ran out last month and you haven't made another one ?? No, said I, you cannot count, well you made payment 19th January, February & March, that is 3 months I can count .... and the date of the letter you sent saying you could accept three further months payments ... 22nd January ....... yes I know it is tactics but what a fool !! Then he would now add £11 charge to my account, confirmed it was a penalty, could he explain this calculation ? No I can't .... well you work for a bank and are quite prepared to charge something you cannot substantiate ..... guess what comes next .... it is all in your terms and conditions !!! ..... Well what if I don't have them, can you send me another one ?? No, it is the customers responsibility to keep the copy, not ours ...... Well we will send you a letter telling you what we are going to do next, you'll get it tomorrow because you said you preferred things in writing and not to discuss on the phone ...... so you have rung me despite me asking you not to, to tell me you are sendning a letter ..... this is obviously a deliberate malicious phone call then .. I am ending the call ... goodbye !!! 10 minutes later telephone harassment letter in envelope waiting to go ..... will just wait for my letter now .... shaking in my shoes not !! I hope it is my copy fully executed CCA & S.A.R - (Subject Access Request) information !!

Me too !! the response date for defence is correct though ??

I have the same letter, will be demanding the information by the end of the week otherwise it is off to court we go, just out of interest can you use MCOL for SAR non-compliance claims ?

Agree, if it is worth a DCA chasing up £8 then it is worth not paying it, personally I wouldn't give anybody anything I didn't have/want to

Around 5 months ago I was advised professionally that the best course of action with my situation was to allow my accounts to go into default. To date after 5 months this has not happened, I have been paying what I can afford and sticking to it whilst at the same time requesting that interest is stopped, the accounts are no longer in use, all cards etc have been returned. One of them has threatened to default but to date nothing has happened. Now, I am getting frustrated that the interest isn't stopping and in the long term I am sure that incurring any costs in court now would be better than continuing to have extortionate amounts of interest added. My next plan is to reduce payment to a token £1 as a gesture of my willingness to pay and write a letter of demand that they accept my previous offer conditional on freezing of interest and that if this is not acceptable then take me to court where I can present my correspondence as evidence of my efforts to resolve this outside of court and in the knowledge that at this point interest will stop. My only worries here are that the judge wouldn't look favourably upon my action to force their hand and this would affect my offer to pay.

Anybody have any thoughts ?? Am I doing this right ?? I do want to pay off stuff as quickly as possible but interest is preventing the balance from going down in some cases ?

Same has happened to my other half, I just put back in the post return to sender not known at this address, don't generally hear back and it costs them money 8)

I agree with bennyowen, if you check my thread with Halifax I have had the same empty promises of payment, I faxed them the ultimatum last week and they still didn't respond so I withdrew my acceptance and started MCOL so has now gone to court anyway. Vital lesson here is stick to YOUR timetable regardless of what they promise, I had the offer in writing and accepted in writing but they still failed to deliver and like a mug I waited for them, only when the cash is in you account can you stop the process, until then press on. I don't know (or care) why Halifax are unable to put money in an account after 3 weeks, if it is deliberate stalling tactics or just incompetence or even over work it is unreasonable and their problem not yours, also let's face it they never suffer such delays or problems when they take money from you ..... show no mercy !!

As a virgin as regards taking anybody to court I used MCOL for the first time last week, using the thread "Getting MCOL Right" as guidance this was very straight forward and user friendly, sent off my spreadsheets to the court and got my acknowledgement from them with my name all over it V Halifax and the wheels are now in motion. You can start a claim and go back to it if you need to leave it and when it is submitted you can log back in and keep track of it.

Go for it, nothing to be afraid of !!

Guess what ? They didn't respond to the fax, what a complete waste of space these people are !! I have been fobbed off and lied to for nearly 3 weeks ...... well once bitten and all of that ..... MCOL went in Monday night ..... bit of extra interest for me then and a lesson learn't ..... do NOT believe a word Halifax tell you !! ..... now taken back control and that feels alot better !! I can wait for the cash Halifax, there is nowhere to hide !!!

Keep to your timetable until the cash is in your account, don't stop or give them an inch, I believed them when I accepted offer in full and the cash didn't come through, just wasted 2 weeks and I have ended up taking them to court anyway !! Basically, I don't believe a word they say so until cash is in hand keep on going, don't relent, don't give any leeway as they will take advantage !!

Based on recent experience don't count on it, I made the mistake of believing the Halifax when I accepted an offer that it would be paid within two weeks ..... they didn't and I have ended up at the court stage anyway but wasted two weeks waiting for them, from now on stick to the timetable and if they can't pay up before your time scales expire move on to the next stage. I have now taken the view that they are playing stalling games and are taking the mickey, until the cash is in my hand I will not stop, as far as Halifax is concerned actions speak louder than words.

Already well on with this one and preliminary has gone in for £500 plus so just waiting for response/expiry then onto LBA. However, one little problem occurred with the SAR where I had asked for a transcript of a telecon I had with a "manager" where he made a number of comments regarding "penalty" charges, I was very insistent that this was provided and I received a Special Delivery letter from them advising that unfortunately this call WASN'T recorded ... well there is a surprise eh ??

Still no payment on hers so faxed through threat to MCOL them on Monday, watch this space !! On the joint we have gone past LBA and filed my first MCOL which is deemed served on Monday ...... letter arrived from Halifax yesterday though, we are sorry you are disatisfied blah blah blah, please allow 4 weeks for us to investigate .... has already been 4 weeks since prelim .... stuck to timetable, see you in court, thank you very much !!

Keep on claimin'

Still not settled one way or the other, however Legal & Trade have now passed this back to Studio and are no longer going to be involved "promptly" and returned the £1 CCA request cheque !! (yay!) Studio themselves have written a token letter to say yep service charge equals interest and haven't provided a revised breakdown of the PPI calculation. Keeping my powder dry on the big go away letter as they still haven't come up with the fully executed CCA, nor have they asked me for any more payments, the withdrawal of Legal & Trade is a boost for me in this war, a battle won there and I can only think they have decided it is unwinnable and I am hopeful Studio will take the same view, still not paying anything, will wait to see what they come up with next then when I am ready and when I need to hit them where it hurts !!

Being obviously fobbed off the same way here, fax will be on the way soon !! I do loathe Halifax !!

I am finding LTSB Credit Card very difficult to get sense out of, they appear to have a very long "backlog" of correspondence and when they ring to speak to me do not have your correspondence to hand so you can't discuss anything (they did try to get me into this conversation but I did have to point out what would be the use when they don't have my full details to hand which I took time and effort to produce for them ??), I know they have got some letters there in the office as the cheques stapled to them have been cashed. So far I have tried to explain this on the phone to two people and both times they have said well we have a backlog and won't call again for a few weeks, which they don't !! Then on the other hand you get a solicitors letter threatening actions etc saying you have failed to get in touch. This is also now true of my CCA and SAR they have failed to respond to, the CCA is now very much in default, will send the follow up letters and take necessary action and obviously stop paying, maybe then they will find the stuff in their back log, guaranteed once the payments stop I bet, one letter dates back to 8th January 2007 for which I have invited them to send me a SSAE so I can send a copy, that was a week ago and still heard nothing. I did let the collections dept bod know last time they called that they do need to get their act together !!

All in all, they are rubbish, which in an obtuse sort of way is proving to be quite helpful to me !!

Will be watching with interest, just waiting for some queries to be answered by them on Service Charges and PPI although time is passing by, the CCA request is now past the criminal act stage and it has gone very quiet.

Don't hold your breath, Studio have tried to fob me off with a blank agreement and say this is all they have to supply .... yeah right !! They are now in default as are the DCA ..... still not paying anything and all has gone very quiet, like you just waiting for my moment !!

I have received a CCA for a Credit Card my wife took out in 1997 and it is clearly signed by her, however the option for Payment Protection is "tick here in this box if you want it" or "tick here in this box if you don't want it", she has ticked neither of them and has been charged over the years. Anyone know what the position is here, the card is now defunct and I am claiming back charges, was intrigued if I had a case for reclaiming the PPI ??

I think the letters must be coming from branches, mine was from Leeds although everything before that went to the Halifax big office, the 01977 is a Castleford/Pontefract number isn't it ?