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Found 9 results

  1. Dear All Almost two years ago received a claim from Restons for £2,500 but with no details. Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Have to see if it is genuine. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure if important? Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which
  2. In February... http://www.prnewswire.com/news-releases/active-securities-secures-full-fca-authorisation-569623481.html Yet... My complaint with the FOS - They completely ignored.. so it has to go to an adjudicator. How do they gain this status if they ignore the FOS? How is responsiveness to the FOS not a requirement?
  3. Firstplus has returned our SAR letter together with the cheque and proof of address we sent. Their cov letter is asking my husband to provide authorisation to disclose information relating to me. It also says they will respond "....in any event within 40 days." Can I send them a fresh 'joint' SAR? With both our signatures and copies of our proof of addresses etc with a fresh £10/- cheque?
  4. Hi Evereyone, I'm new to the forum and trust you will guide me to understand my legal position. I recently booked a serviced apartment in London for a week. Total payment was made during the booking time and a further holding deposit (pre-authorised amount of £200) was to be paid during check-in. It all seemed fine to me and I went ahead with booking. Now , I have checked out of the apartment 10 days ago and my holding deposit is still not back. There was no damage done to the property what so ever and even they are not claiming it. They are telling me that the hold has been released
  5. When you purchase an item via chip & pin is authorisation sought immediately? I have been told today that on occasion the retailer can process the payment without authorisation. Is this the case? I'd appreciate any advice on this, thanks in advance.
  6. Hi, any advice or previous experience greatly appreciated! I have recently had my account emptied by ARISTE HOLDING LTD, which you probably know is a trading name of cash genie. I got paid on 07/09/12 for the first time since March as I have been out of work. I checked my balance on-line at approx 1pm, after using my debit card at a well known and reputable retailer. By 4pm I had £70 available. Now, the cash genie loan I took out was on 14th December 2011 for £180. I paid them £60 on 23/12, but was unable to pay them the remaining balance in January. Also worth noting that at the st
  7. Hi I had a recoreded Letter deleivered today..I wasnt in to sign for it!! It has no name .just Ower/occupier..Im thinking this could be a SD Have DCA sent letters with owner/occupier before to catch ppl out ??
  8. Hi, am new on here and looking for some advice please. Am posting on behalf of my partner who had an agreement with a debt company called Marstons. He had been dealing with a particularly unpleasant "lady" and paying off his debt, and had given her his bank card details for her to take payment. He was due to make a payment in July, but had called and explained that we had to go away on family business and would be back on a certain date and asked her if he could call her or her call him on this date so he could make payment then. She was quite agreeable to this and
  9. CAN MY BANK LEGALLY GO INTO MY ACCOUNT AND TAKE MONEY WITHOUT MY CONSENT??? I recently had £400 transferred into my account from someone also in lloyds tsb, they were paying back money they had loaned from me and it was more convenient to transfer from their account to mine. Once the transfer was complete, they called me to let me know. I checked using phonebanking and sure enough, they had made the transfer and the £400 was in my account. A few days later, i went to draw out cash from the cash machine and there were no funds in my account. Upon checking, i was told by my ban
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