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  1. Hi I was wondering if anyone can offer some advice. My partner took out a Northern Rock loan at the end of 2005 for £25,000, with agreed payment of around £37400 over 120 months. As an aside it just shows how badly NR were engaged in unethical lending as she was only on £11k a year at the time. She made 39 of those payments totalling just under £12200, and additionally she made around £470 in over payments to a grand total of £12670. After being diagnosed with a long term illness, she lost her job and then found it difficult to repay the loan. She organised token pa
  2. Hi, hoping someone can help me. I'm trying to get a copy of the EICR that was carried out on my rented property last month. I am aware that as a lowly tenant I don't have a right to be in the know about this stuff, but don't see why I can't have access to a copy. I've tried emailing 3 different departments of my estate agents, only the first [local branch] replied saying they don't have access to it. Is there some kind of phrase to get them to take me seriously? I'm rubbish at the technical aspects and they keep brushing aside concerns I have.
  3. Hi there, I have not been here for a while but would much appreciate if anyone has an answer to my question? One of my colleague is renting a flat from a private landlord through landlord's own estate agency. The landlord requested a copy of his flat key... Question: Is it normal that landlord would ask a copy of the key?? My colleague would not be in favour of given any copy of any key as he is worried about it. My colleague asked his landlord before moving in the flat, that he does not want anyone to walk into the flat without anyone being at home.... He l
  4. i didnt even know this place existed till today and i came here for another reason a hour later of reading, i am hoping ppl can give me some advice .. i owe a debit which has been bought by lowell now they have been calling of and off for weeks but i have ignored the phone and i had had several letters, wanting payment the amount i owe is £3679 its a littlewoods credit card debt that i fell behind on and finally defaulted through no income. now the thing is it doesnt say littlewoods on the lowell letters it says barclaycard who do own littlewoods card.. but i was told nu
  5. Hi all, I hope your well. Just a quick question please. I am a tenant in North London and the Landlord stopped using the estate agent in 2015, two years after we moved in. I now require a copy of the original tenancy agreement but the estste agent say as they are no longer managing the property, the records are no longer in the office and I would need approach the LL. The LL also says no. I thought the estate agents are required by law to store securly personal information belonging to a customer for a certain period of time, or is that not the case? Any help will m
  6. Hi everyone. I hope your all ok �� So last Saturday I rung up HSBC to order some copy statements for Closed Current Account 2004-2015 and Cash ISA 2010-2017... She told me there will be a charge (Didn't tell me what the charge was) and it will take up to 40 days for the statements to arrive but will more likely be 5-7 days and can only order from 2007 I accepted the charge and gave her the account details of an account I wanted charged... On Monday rung again as not been charged yet, another lady said it's free as you don't have HSBC current account and you will get stamen
  7. Hi Guys, Need your advice on this unusual problem. Sorry story is a bit long. I’ll spilt it by bullet point to make it easier to read: 1. 23 Dec 2016 – went to the store made small purchase requested £50 cashback. Was deep in my thoughts. Felt a bit awkward at the end of interaction with cashier who started behaving strangely by completely ignoring me and started chatting with colleague. After packing few purchased items I was waiting patiently not realising what for. Felt as something did not finish - no eye contact from cashier, no thanks / goodbye. I’ve felt a bit strange and
  8. I am trying to do the same. Has anyone got a copy of a QQ agreement aso I can't find mine and I wanted to see the terms. Thanks
  9. Hi, I've recently had a letter from robinson way, offering to close my account and to record partially satisfied. Ideally I'd like the default completely removed. I'd like to know if this is even possible, or is it a waste of my time trying to negotiate this with them? Thanks!
  10. Hi all, Just looking for a bit of advice, I had 2 loans with Mbna in 2006 After contacting them they said I had no ppi on the accounts. Recently while tidying through paperwork I found the customer copies of the agreements stating an insurance advance on both loans would this be ppi ? also the customer copies of the agreements have no signatures or x's on them would these still be vaild as proof. Many thanks Leighb4
  11. I asked for a copy of a CCA agreement from Drysdens / Max Recovery recently. A letter dated March 2016 stated that they were unable to fulfill my request. A letter today from Drysden attached a "copy of the credit agreement conditions". It has none of my details on, nor my signature. The letter says " our client considers the debt due and owing" What do I do now?
  12. Hi, It's been a while, but I'm back in hope for some advice for my mum. My mum purchased a washing machine form John Lewis 2 years ago, with an offer of 2 yrs Warranty provided by John Lewis, and another 3 years provided by Siemens. She contacted Siemens (as she had to) specifically requesting a printed copy of the extended warranty. She reluctantly provided them with my email (as she was bullied by person on the phone), but specifically stated she wanted a copy in the post. Needless to say a copy was sent by email, which was I was not able to open, so she called again and r
  13. I have recently send the CCA letter to NEW DAY and had a reply from them saying Unfortunately we are unable to send you a copy of Agreement I owe them £665 and i would like to settle with them by offering £200 Please any advise or sugestion
  14. Hi i am disputing a copy of a loan agreement i have asked for from major bank Its a very shoddy copy and some of the type set has changed and also looks like been copied over. I was just wondering what legally is passed as a exceptable copy , as there is no loan number and there are no terms and conditions The bank say the have ful filled their duty with CCA section 77 Just wondered if there are any other avenues i can go along as i disagree with certain parts of the agreement. As feel the agreement is not a genuine copy many thanks
  15. Ladies and gentlemen, could I ask you a favour? Over in CAG's Benefits Forum, we have a person who is trying to make a claim for Housing Benefit but is meeting resistance from his or her landlord/letting agent in terms of obtaining a copy of the lease. I'm reluctant to actually move the thread, because it is primarily about benefits so it seems more appropriate to leave it where it is. Nonetheless, it seems to me that the poster should be entitled to some sort of written confirmation of their tenancy and the rent due, and the agency seems reluctant to supply the original documents.
  16. Hi I have recently asked to leave work two hours early for a forthcoming hospital appointment. I have agreed to make the time up and explained when I will be doing this. However, my line manager has asked for a copy of the hospital letter. I have worked there for two years and I have never requested time off for a hospital appointment before. I have had the occasional Doctor's appointment and I have always made the time up for these. While I understand the employer needs to manage absences, I do feel there is a lack of trust and, due to the personal nature of the appointment, I do
  17. Back in October 2013 I wrote Lowell and requested a copy of a credit agreement before I agreed to set up a payment plan, I sent the required postal order £1 fee They wrote to me twice in October and once in November telling me they had put my account on hold as they were still trying to a copy of my credit agreement. It is now February 2014 and I have not heard from them, do I write to them and see if they have found it ? Do I leave it and wait until they contact me ? Can I say because it has gone past the 12 days and they have not found my agreemen
  18. here is a full copy of the paperwork they are sending out more to follow. dx siteteam
  19. Hi folks, recently received a letter from m4rlin Financial Services confirming they had supplied me with a "true copy" of my CCA request. The wording of the letter is such "We can confirm that under the Consumer Credit Regulations of 1983, as permitted by these regulations, the copy of the agreement that was provided was a "true" copy reproducing the original terms and format of your agreement, but omitting signature boxes and signatures, as a matter of law the documents we provided previously constitue a "true copy" of the executed agreement along with the supplied terms and co
  20. Hi, I have had a response from Lloyds - they have sent me a reconstituded copy of the CCA. It does not contain a signature, although I believe it doesn't have to contain a signature in order for it to be enforceable. It's for credit card and it has my husband's name and address on it but nothing else. No credit limit on it. That was document 1. Document 2 was entitled 'Your Lloyds TSB Credit Card terms and conditions. Applicable from 26th November 2011' The account was defaulted on in 2004. They have given a statement of the account in another, separa
  21. Hi everyone, I would appreciate some help. I received a threatening letter from Capquest recently which I duly responded with an SAR. My suspicions are with the copy of the CCA that they have sent through. It has all account transactions info from 2007 but there is a "received" stamp on the front that is dated 2004?? the copy does have my signature in the relevant box, albeit very faint, but it has not been dated by me which is something I would not do. It seems to me that there is something fishy with this. can anyone give me advice on how to tackle this or i
  22. Good Evening, I sent a CCA request to Natwest in January in regards to a loan I took out in 2005. I was under the impression that the loan was initially for 5,000 and being very young and silly I couldn't cope so ended up going through a DMP and paying monthly payments until Jan of this year. However, when I closed my DMP they sent me a statement saying that I still owed Natwest almost £9000. Natwest have played their usual games so far, demanding a supply a signature etc and eventually providing me with a "true copy" which states that the loan was for 10,000, my
  23. Could someone who is experienced in these matters please give me some advice. I recently got my credit file as I am going to be applying for a mortgage towards the end of the year. There was a default registered against me by JD Williams for about £200.00. I actually know what this was for, even thought it was a long time ago, it was an order that I had placed prior to going working away for the summer which was delayed and then I went away. I informed the company but they had a nasty habit (despite me telling them I had no secure place) of throwing my parcels into my neighbours
  24. Hello! I sent capitol one an SAR request, I put a cross through my signature - was that the right thing to do? They have replied saying that cannot process the request unless i send them a copy of a current driving lic or passport showing my signature- thought i better check before I went ahead and did this! Thank you
  25. Hi everyone, A few months a go I received a letter from Lowell regarding an old Barclays Loan which I defaulted on in 2006 and paid for a few years before having severe financial hardship and was unable to pay. They sold the debt on to a dca and I sent a CCA request which they could not resolve. That was a few years ago. Then a few months ago I received a new letter from lowell asking for payment. Again I sent the initial cca request and followed up with the 2nd letter. They have now come back to me and said that after liasing with Barclays Bank an effort to obtai
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