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Found 14 results

  1. 1st Credit were assigned a debt from AA Finance and I got papers from Northampton recently. My defence against this claim is as follows: 1. This account was defaulted on 13/10/2009 but I have no evidence of a: a. notice of default sums letter b. default notice letter c. failure to comply with a default notice letter. 2. My initial request in early 2010 for a copy of the signed credit agreement was unsuccessful. 3. To date I have been approached by the following about this alleged debt: a. Apex Credit Management – January 2010 b. IQOR Recovery Services – letter dated
  2. Hi I ordered some sofas from buy as you view. When it came to them being delivered I arranged it for a day when I was off work as I had to - the agreement due it being in my name. They never turned up! They turned up the next day surprising the missus. They brought the sofas into the house and asked where I was as I needed to sign the credit agreement, the missus told them I was at work (which I can prove I was) and explained that they were supposed to arrive the day before as arranged. Instead of rearranging the bayv guy told the missus to sig
  3. I hope this is the right place to post this, if not please move to the appropriate place. I had a succesful PPI claim from a well known bank, however, after the claim was paid out, the bank then changed my loan account number without informing me. To cut a long story short, i phoned the bank to find out why the account number had changed. They informed me that this was due to having to remove the PPI. Ok no biggie i thought, however, i phoned the bank to get a copy of the Credit agreement for the loan i took out back in 2005. I was informed they had 2 credit ag
  4. This is an unusual situation .... Two years ago HSBC took my brother to court for a credit card. At the time, we had a family problem and the bank's solicitors (DG) agreed to hold the claim for 3 months. However, he still had to submit a defence which I helped draft, asking for a copy of the agreement and default notice referred to in the POC and how the amount claimed is arrived at. The bank did not respond to the defence. Previously they had said there was no agreement (well before the court claim) when default charges were disputed. Now they have come back with a response to
  5. I'm in Scotland, I suppose I should get that part out of the way. I had a BoS credit card (opened the account in 2001), which had a balance of £ 8,246. I was no longer able to pay the monthly bill (due to loss of my job because of long-term ill-health) and, stupidly, stuck my head in the sand. (I should also point out that over and above this credit card I had been, and continue to be, a Bank Of Scotland customer, with both a saving account (that's a joke lol) and a current account. The default date was June 2007, and a decree was granted at the local Sheriff Court on 8th January
  6. Hello, I am new here, and this is the second time that I am writing this...because yes I did accidentally delete all my writing when trying to copy it . So, here is my story. - The Past - I took out an unsecured loan for £2000 with Welcome Finance in April 2008, with PPI. Worst mistake of my life. The contract said that I owed £3640 with payments of £164 per month for 37 months. In October 2008, I went to Welcome Finances office and asked to have the PPI cancelled. They gave me a new credit agreement contract to sign, I signed it. I now realise that the new contract stat
  7. Hi Guys, I have been having trouble with littlewoods for quite some time I have sent numerous letter requesting my CCA and keep getting blank ones back, the whole reason I wanted my details was because I had late charges that I wanted to request were refunded although as I did not get the information that I requested I could not do so. To cut a long story short I sent them this letter: Re: my request under the Consumer Credit Act 1974 Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. Howeve
  8. Hi everyone, this is my first post so please be gentle I am in the process of filing an amended defence regarding unenforceable CCA 1974 agreement and require advice on the matter. The story so far is that I originally filed an embarrassed defence due to DG Solicitors not supplying documents that related to HSBC claim for £12,000 on a Gold Card. HSBC did not take any further action and the case was stayed. They then recently applied for the stay to be lifted and judgement entered for them as, in their opinion, I had no chance of winning. I appeared at court yesterday and conte
  9. I had an MBNA account from around 2002. In June 2009, I sent a letter along with £1 requesting that they send me a signed copy of the Credit Agreement. MBNA did not send the Credit Agreement, nor any other documentation so, in mid-August 2009, I sent them a letter informing MBNA that the alleged debt was now unenforceable. They continued to request payments and charged interest to the account until, in January 2010, they sold the account to Hillesden Securities Ltd (DLC). DLC began to make phone calls requesting payment. I told them that I had requeted the information (and sent copies of my co
  10. Hi, My Aunt took out a wfs loan and secured it against her property, she then retired from workinglife and came upon some difficulties repaying the loan amount. She then entered into an arrangement to pay £50 a week over the phone, this didn't cover the default nor did it cover what was actually required to pay the normal installment. So she continued to rack up charges and arrears. I did an SAR and they kindly sent a pack of stuff through, here are the bits that jump off the page so to speak: Insurance Suitability Document: Already has Insurance in place for Homecare24, PAP an
  11. Hello everyone, I'm a newbie here - and I think I may have made a dreadful mistake today... I'm sorry if the following sounds really flaky - we've not slept for a few days (newborn baby) and I think I've learnt a valuable lesson about shopping when sleep-deprived and not on the ball! I bought a bed in FV today, originally having just gone in to look at the model (they are very good salespeople, aren't they?). As part of the deal, I was told I had to buy 2 items to get the 15% discount. I bought a mattress protector but was a bit surprised to see that it was £119. I thought that
  12. OK, here's the issue... A loan is taken out. After a number of months the person who took the loan out is unable to service the loan and stops paying the the monthly installments (jul 2005) Some months later a debt management company is instructed (by the person who took out the loan) to manage the debt, a small amount is agreed upon between the the two parties and the interest is set at 0.1% APR Approximately a year later (sept 2006) the debt management company is dropped and the money is paid directly to the loan company, approximately a year after that the loan is passe
  13. Hi all, Yesterday I signed a Hire Purchase Agreement for a car with Black Horse, through a car dealership. The agreed monthly payment is £190/month, in 48months. I got a phone call today from the car dealers saying that there had been a mistake by Black Horse and that I have to go back to them to sign a new agreement with a monthly payment of £211/month. My question: is the agreement I've signed legally binding or can they now make me change the conditions? I'm sure that if I had made a mistake they wouldn't change the agreement for me once signed, at least not witho
  14. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Date: 3/11/2010 Dear Sir/Madam Thankyou for your letter of 21/09/10, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consum
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