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About Me


  1. After realising just how bad things can get for people through reading these forums, I wanted to share a tale that ends pretty well. My daughter, for the past few years has had an arrangement to pay her CT at the end of the month rather than on the 8th/15th as per norm for our council. She has never had any problem with this arrangement. She spoke to the CT collections in December 2011 asking for an extension as she had been off work ill due to finding a lump in her breast and they agreed to defer Decembers payment to February (normal payments being due from April - Jan inc).
  2. Well 2 face to faces, 4 reconsiderations, 2 appeals, 6 month minimum wait and 0 yes 0 appearances in front of a tribunal panel! Speedy wins again! 2 descriptors b+ so 18 points! No schedule 3 so I'm on the WRAG again Took the call 4 hours before my tribunal was to be held not to attend Monday. Decision notice says 24 months before reassessment. Everybody dance now
  3. Hi All. I read some time ago here that when a dca bad credit references you whilst an account is in dispute, thay are committing an offence. Furthermore that there has been a test case that the debtor is entitled to £1000 compensation, without having to prove anything other than the referencing entry. Could some kind knowledgeable soul here point me to the thread and the case reference. I need to file my counterclaim against Lowell by 18-09-12. Any help appreciated. Thanks
  4. The good news is Santander have upheld my complaint on mis-selling PPI on a Wallis Store Card I had. This acount was transfered to CL Finance as I am currently working with Payplan to repay my debts. The bad news is they have transfered the entire refund to CL Finance and told me after the event. I'm more than happy that money should go to pay off my debts however I dind't think they had the right to transfer the interest on premium and loss of cash interest award to them as well. Before I put pen to paper ( again) would appreciate some guidance. Many Thanks
  5. Here's the letter, from here obviously... It's for a Kays catalogue debt - we recieved the last of threatening letters before further action so decided it's time to contact them. Just wondering whether it would be s.77 or s.78 that I write....? Dear Sir/Madam Re:− Account/Reference This letter is a formalrequest pursuant to s.77/78 of the Consumer Credit Act 1974. I require you toprovide me with a true copy of the credit agreement relating to the aboveaccount, together with any other documentation the Act requires you to provide. I expect you to complyfully and p
  6. We know they will recover these costs elsewhere,but they are in no doubt that the OFT was serious about taking action against those who continued to levy these fees,which were viewed as a penalty. The European ruling for enforcement is still some time away (2014) but todays announcement involves some of the big carriers. http://www.oft.gov.uk/news-and-updates/press/2012/58-12
  7. Hi, I've not posted for absolutely ages on here as generally thanks to you guys I managed to get myself back on track with everything. Since 2007 I was in dispute with Natwest over my personal current account, which had incurred charges. They put the account "on hold" whilst the test case happened and to be honest I didn't think about it much more as they said they'd be in touch when the test case was resolved. They didn't get in touch until the beginning of this year, during which time I found out that whilst the account was "on hold" they'd added £5k of charges and interest
  8. Good Evening. I am new to the forum and would like to hopefully find out more regarding my rights as a consumer. Thank You
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