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About Me


  1. Talking of PPI its a shame I can't claim against unenforceable debts
  2. Hi All, long time no log in!! I've been battling with Vanquis since their email to me around July time of this year when they advised me that they were uping the minimum payment so that my balance 'can be paid off quicker'. Yeah, right!! Since this increase in the minimum payment, i've been sending them around £190.00 a month since August (my balance was over £3,500) and although i've seen the balance reduce, if you're clearing your balance quicker, surely the more it's reduced the less your minimum payments should be getting every month. Not with these theiving SOB's. I took a ROP payment holiday in September this year and they caused that up to the extent that they actually refunded me £160.00 which i thought was quite amusing, as their Customer Service people had to admit they cocked up!! With regard to the ROP payments i had been making as well - i thought this was only a one-off payment of £40 as that was the way it was explained to me at the time i signed up to it, but it transpires that this £40.00 was being charged EVERY month - quite a high price for a yearly 'payment holiday'. No wonder my balance never seemed to be going down before i had this removed from my account! Another email was received around mid-November time saying 'sorry' about the mis-selling of the ROP facility and they they could have explained it better etc, etc. Bottom line is that they have refunded me the interest AND the premiums over the amount of time i've had this and they credited my account with just over £1,270.00! My balance is now down to £1,700 and after my remortgage is finalised very soon, that remaining balance will be paid off and these people are getting kicked into touch..... after i've told them in no uncertain words what i think of this bunch of thieves. As others have said here - if you have a Vanquis Card, get shot of it as soon as you can. The best thing that can happen to this bunch of blatant Rip-Off merchants is for them to go the same way as Monument did.
  3. Hi Just received a claim from Howard Cohen this morning. Just wanted to check what I need to do. 1st - Acknowledge claim. Can this be done online? 2nd - Send CPR18 to Howard Cohen, as belows [template removed - dx] 3. Wait for reply.
  4. Hi guys Around 2 years ago, I asked Cabot for a CCA request for a loan i had. They said at the time that they couldnt find the documentation so it was not enforceable. Ive recently had a letter form them saying they have now found this CCA agreement and that the debt is now enforceable! Theyve sent me a reconsituted copy but im wondering if this is now a debt i have to pay? If you look at the scan ive added, it looks like the document is missing something, and also surely there would have been more than 1 page of t&c's?? Is there not a time limit that they have to provide me with the CCA or its not enforceable? i ve read they committed an offence but that doesnt really help me in this situation Anyone know if this is now a debt again? i cant find anything similar to this anywhere thanks Scan 1 copy.pdf
  5. Mystery of 2 unknown British soldiers finally solved READ MORE HERE: https://www.gov.uk/government/news/mystery-of-2-unknown-british-soldiers-finally-solved
  6. Hi All, Cabot Group £231.13 Default date 15.1.15 OC Fashion World I received a so called reconstituted agreement from them, along with a letter saying they now consider the agreement enforceable. It looks like something a 10 year old could knock together on Word, but I was hoping someone who knows better than me could tell me if it's enforceable. Neither the agreement or the terms & conditions are dated, if that makes a difference. They also sent a statement of charges. About £30 of that £231 are interest charges ! Should I just sit tight and wait for a claim form or is there anything else I should be doing here. I have attached the documents, Thanks in advance cabotcca.pdf cabotccatc.pdf
  7. Two World War 1 soldiers have finally been identified a century later READ MORE HERE: https://www.gov.uk/government/news/two-world-war-1-soldiers-have-finally-been-identified-a-century-later
  8. Questions coming often lately it seems................. Got a letter yesterday from capitol One closed my account 10 years ago ............. apparently I have been in credit by £52 for the last 10 years they have only just notified me never sent me any statements of communication in all that time. When I closed my account I asked for final balance they gave it to me I paid. Wouldn't they owe me interest on this now?
  9. Final resting place of a Yorkshire born WW2 soldier killed in the 'Bridge too far' Battle of Arnhem is finally marked after almost 73 years READ MORE HERE: https://www.gov.uk/government/news/final-resting-place-of-a-yorkshire-born-ww2-soldier-killed-in-the-bridge-too-far-battle-of-arnhem-is-finally-marked-after-almost-73-years
  10. Grave of Kent born WW2 Pilot Officer finally rededicated after 77 years READ MORE HERE: https://www.gov.uk/government/news/grave-of-kent-born-ww2-pilot-officer-finally-rededicated-after-77-years
  11. read the full story : - http://www.thisismoney.co.uk/money/markets/article-4665706/Now-finally-banish-charity-junk-mail.html
  12. Grave of brave Sussex born WW1 sailor finally rededicated almost a century later READ MORE HERE: https://www.gov.uk/government/news/grave-of-brave-sussex-born-ww1-sailor-finally-rededicated-almost-a-century-later
  13. Grave of brave Nottingham born WW2 airman finally rededicated READ MORE HERE: https://www.gov.uk/government/news/grave-of-brave-nottingham-born-ww2-airman-finally-rededicated
  14. World War 1 soldier who was killed in the Battle of the Somme finally laid to rest a century later READ MORE HERE: https://www.gov.uk/government/news/world-war-1-soldier-who-was-killed-in-the-battle-of-the-somme-finally-laid-to-rest-a-century-later
  15. World War 1 soldiers finally honoured after over a century READ MORE HERE: https://www.gov.uk/government/news/world-war-1-soldiers-finally-honoured-after-over-a-century
  16. Hi everyone I sent some CCA a few months ago, some had copies some didnt. Moorgate have 2 of my credit cards and they couldnt find the CCA ...until now. It was an MBNA credit card i took out Theyve sent me a copy of my original agreement in 2003, its signed so i guess im still owing this one? As long as its a proper, signed copy i still owe it correct? thanks
  17. READ MORE HERE: https://www.gov.uk/government/news/british-battle-of-jutland-sailor-killed-100-years-ago-is-finally-honoured-after-his-grave-site-is-identified
  18. I received this :- From Mrs. Alice Idris Abidjan- Cote D'Ivoire May I Humbly solicit your confidence in this Transaction, as Being utterly confidential and top secret. But I am Assuring you That you SHALL BE very happy at the end of the Day. I Decided to Contact you due to the Urgency of this Transaction, as I wish to Repose my Trust and confidence on your Discreteness and Ability in Transaction of this Nature. Let me start by Introducing my self Properly to you, my name is Mrs. Alice Idris, I am the Regional Bank Manager of BOA Bank Abidjan-Cote D 'Ivoire I Came to know about you in my Private Search for a reliable and reputable Foreigner to handle this Confidential Transaction As the Regional Bank Manager of BOA BANK ;. it IS my duty to send a financial report to my head office at the end of each year On the course of the 2012 year report, We discovered an excess profit of Fifteen Million Us Dollars, [$ 15,000,000.00] which we have kept in SUSPENSE ACCOUNT without any beneficiary. As an officer of the Bank I CAN not BE Directly Connected to this Fund for Security Reasons, That IS why I am Contacting you for US to Work Together to Get the SAID Fund into your Bank account for INVESTMENT in your Country. The percentage Ratio IS THUS: 40% for you, 60% for me and my colleagues. Note: There Are Practically no Risks Involved in this Transactionas it IS 100% Risk free and Will BE legally Bonded, it Will BE Bank to Bank transfer, all I need from you is to stand as the next of kin / Beneficiary to the original depositor of this fund who made ​​the deposit with Kumasi branch so that my Head office can order the transfer to your designated bank account. If you accept this offer to work with me, if you find this Proposal suitable for you, kindly reply for full details. I Will appreciate it very much, If this Proposal IS acceptable by you, do not make Undue Advantage of the Trust I Have Bestowed on you, and I Assure you That we SHALL Achieve it successfully. 3 things to note :- 1. I'm a 'reliable and reputable Foreigner'. 2. Maybe the $15 is that which Tesco mislaid. 3. The is practically no risk. I'm tempted to reply just for a laugh. H
  19. I was a customer of scottish Power for a very short time and they failed to send a final bill upon leaving them. they did, however send the debt collectors round to an address some 300 miles away that had no association with mine and failed miserably in getting the address removed from my data and couldn't be bothered to send me a bill at my correct address. When I got the Ombudsman involved they still dragged their heels for 6 months and still did not produce a proper bill, just a letter demanding payment for nearly 3100 more than the actual amount that would be due. they didnt tell the ombudsman the truth when it came to remedy and changed their version of events 4 times and the Ombudsman decided that they were not able to produce a proper bill so an estimate would be OK. As I had the correct meter readings to hand and proof that SP also had the correct meter reading but couldnt be bothered to actually enter them onto their system I Told the Ombudsman that I would be requiring transcripts of their conversations with SP as they exist and do the same to SP regarding all of the conversations relating to myself. The Ombudsman also fialed to inform the Energy Regulator that the dispute had gone on beyond the time that it should be reported and had failed to go to a Stage 2 dispute when they were obliged to by law. Today I received a letter from SP writing off the bill in its entirety as a gesture of goodwill but again tha amount they claim to be writing off is an imaginary amount. This has the advantage to them that they claim back a sum for VAT that they haven't paid the exchequer so they save even more money. Scottish Power are incompetent, lazy and less than honest, Ombudsman Services limited are not up to the tasks they are employed to do and lazy in their methodology and procedures are flawed or ignored so the lesson is do not give up when they tell you that you have reached the end of the line as they have a lot to hide.
  20. Hey, I'm hoping I can get some advice here for my problem. I finally got a job this week after a few years grabbing my ankles for Mr David Cameron at the Sanction Centre! It starts on Monday, and I've got exactly £9.30 in my bank till my final JSA comes through on Wednesday. The job is monthly salaried. My train fare will be £12 a day 6 days a week, (maybe actually a bit less on the Saturday as that'll be Off-Peak travel) but e'en so, even if find a way to borrow Monday and Tuesday's fare, then I can't afford to pay that for the next 5 weeks until I first get paid! I signed on today and asked my "adviser", (ha! I love that word - the only advice he's actually given me over the years is about the best way to kill myself and get off his beloved system! Sorry if I sound bitter, but looking around some of these threads I know I'm not alone on this), my adviser told me that I MUST sign off the day I start work or I'll get in trouble, and there was NO run on or help available for the intervening 4+ weeks till I get paid! Great! I've finally got a job, got off their books, the first time I actually ask for REAL help from him - NO, nothing we can do. I told him that I might actually have to turn down the job as I'm not blessed with rich friends or family who can loan me the train fare that long, nor do I have access to credit as it's shot to **** after years on the dole! They don't make it easy for someone who's actually trying do they!!! Anyone got any judgment-free advice on how I can afford to go to work rather than stay on benefits. Thanks.
  21. Nothing more to be said... Can we put this in the newsletter please [ATTACH=CONFIG]56933[/ATTACH] This debt was mine form 2010... So almost SB anyway....
  22. Hi all I'm finally managing my plan myself, no more paying fees to a company!!! I have SAR my mint card and there is no PPi, but I have noticed several of the below: Late payment fee 12.00 Over limit fee 12.00 I remember reading that you can claim for some fees, are these included, how do you do it? Thanks a lot
  23. A summons, so what next? Took them some time but finally Cabot via Mortimer Clarke issues a summons against someone who Cabot were made aware as vulnerable' who have no assets and where Cabot without a doubt have mismanaged the alleged debt this has had a detrimental affect on the mental health/well being of the now 'defendant' I should add that when Cabot were first made aware of the vulnerability of the alleged debtor some five years ago (last payment made to them) they still continued to pursue. It should also be noted that the alleged debtor at the time was in receipt of DLA, but since then and very recently they have been reassessed under the new PiP and where their disabilities have been upgraded to more severe (in terms of assessment and resulting help) The alleged debtor is not able to answer the summons themselves as they do not have the mental capacity to be able to deal with this due to their ongoing mental health issues, all of which is verifiable via their GP and various consultants ( Psychiatrist to name but one) They are both physically disabled and mentally impaired So, what is the procedure, the summons arrived yesterday? I have some questions to ask also, would they be better served in a separate thread? Silly as it sounds and I guess it's easy for me to say as I'm not the one being pursued (but will be helping the party concerned) but I'm quite looking forward to exposing Cabot for the bad people they have shown themselves to be. At the same time as this, I'm surprised a solicitor regulated by the SRA and FCA has decided to pursue and when the summons states 'The Claimant believes that the facts stated in this claim form are true and I am duly authorised by the claimant to sign this statement ' and is then signed by the Claimants Solicitor. ...well had they actually read through the file/ looked at the SAR that was requested and seen many of the conflicting information contained within it, then it is clear they haven't actually read any of the 'facts'
  24. Well it's my turn now to face the dreaded Atos. A bit of background. I have Borderline Personality Disorder and Depression and currently waiting to get a support worker via a charity. Anyway I got the dreaded letter today and I am so scared about it that I cannot sleep. I can feel my heart pound out of my chest. All I've seen is doom and gloom about these people that they fail nearly everyone. Has anyome had a "decent" experience specifically those with MH problems? What can I expect? Any advice or tips with how to deal wirh them? Before anyone requests I take someone. I can't. I've literally none to come back me up. I've driven most people away with my stupid mood swings and paranoia. All help and advice will truly be appreciated. I'm just so scared stiff right now.
  25. Guys I'm a little concerned, I've been delaing with MMF for quite some time now and last November they "Lost" my letter which had proof to close these accounts... Now ive just logged online to Experian for the first time... To give you some idea, they started reporting it in April this year, The account listed was fraudulent along with the other 2 accounts they hold. I don't know what to do anymore with MMF, I want the account/s removed... But I know MMF wont listen...
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