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    • HI   Ah that little lets downgrade it to a Stage 1 Complaint so it looks like wee dealt with it properly if the Regulator looks at our books/files.   It's a tactic Housing Association use even my own recently tried that and I refused to let them get away with it.   So you respond to the Customer Service Manager NOT BY PHONE unless you can record the call.   To Customer Service Manager   Following our telephone conversation on XX/XX/2021 reference my Formal  Complaint you informed me that my Complaint was being dealt with as a Stage 1 Complaint.   I find this unacceptable as this Complaint was made via T&C online Portal with Acknowledgement receipt from T%C of my Complaint in July 2021 and T&C have now only decided to deal with this after I recently had to Hand Deliver (16th Sept 2021) that Complaint to your Office which is  unacceptable.   Therefore T&C have had from July 2021 to resolve this Complaint as per your own Stage 1 Complaint procedure and I quote:   Stage 1: Your complaint will be allocated to a member of staff who will contact you within 2 working days to discuss your complaint and understand the problem. We aim to resolve complaints within 10 working days, but sometimes investigations can take longer. In this case we’ll let you know, keep you updated and agree a timescale for our response with you. As the above has not been carried out and was only acted upon as previously stated when I hand delivered  my Complaint again on 16th Sept 2021 to your Office this is not a Stage 1 Complaint as T&C have Failed to carryout the above Stage 1 Complaint Procedure since July 2021 therefore my Complaint should be Escalated to a Stage 2 Complaint as per your own Complaints Procedure. If T%C refuse to escalate this Complaint to Stage 2 I require full Clarification as to why.        
    • Hi guys, I have recently found this website and have been reading a lot regarding Hermes scandals. Thanks a lot to all the people running and supporting this forum. Doing lord's work. Here is my case, hope I can get some help. On 07/08/2021, I used Hermes service to ship my laptop however the laptop never reached its intended destination.  On 16/08/2021, I had a chat with their representative over the phone to get an update on the situation. I was told they will start a brief investigation to find my laptop. After a long wait, on 14/09/2021, it was confirmed that my laptop was indeed lost. On 25/09/2021, I filled in the compensation form.  On 27/09/2021, I received compensation of £20 + postage of £5.80. On 28/09/2021, I asked them to review their compensation and reimburse me in full. (Formal complaint) The laptop was purchased on 02/08/2021 priced at £1049. Do have a PayPal invoice for it. I did not use Hermes insurance as I didn't have any trouble with their deliveries in the past. The parcel was declared as a laptop. I have prepared a letter of claim to send them as soon as they reject my request to pay in full. Few questions, I couldn't find answers about: Do i need to send email to Hermes with letter of claim or post? Next steps: Wait for formal complaint's response..  Submit letter of claim, wait 2 weeks, then register and issue complain on money claim county court website? Hope i can get some feedback on my letter of claim.   Letter of claim1.pdf
    • See all resources available if you would like to become an apprentice in Coventry.View the full article
    • Funny you should mention it-I have today got a letter from the court telling me the judge's comments 'there is no record of an email of 23 July 2021 with the Help With Fees application' 'the Help With Fees code was not generated until either 21 April 2021 or 18 August 2021 and so cannot have been included in an email sent on 23 July 2021'.  'If you want to set aside the order of 2 Aug 2021(I assume that's the one that no-one vhas received,vacating the case) you must make an N244 application  and pay the fee of £255 or submit a Help With Fees application'.   They don't even know when the code was generated and have no idea whether this was before or after the email was sent to them...    
    • The US carmaker vows to "lead America's shift to electric vehicles" with largest ever factory.View the full article
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CCA Lowell, Received Egg form, is it real?


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I sent Lowell a CCA request (27/09/07) for an alleged debt they say i owe. Today (16/10/07) i have received what they claim is the original CCA. Although i requested this from Lowell, i received the letter back from Red Debt.


I am not an expert on this, but after reading the document it appears that they have sent back an application form.


Also thought it worth mentioning that the address they say the credit card was opened at is completly wrong (suspiciously enough the exact same WRONG address that Lowell/Red Debt keep quoting in their correspondance).


Can anyone advise me on what step to take next. I will try and post the form they have sent out.



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You should be able to zoom in on it.


drag the mouse over the image, and it should automatically turn into the zoom icon, click and this should enlarge it.


If this doesn't work i will see if i can do this some other way.


Let me know.:)

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Well Egg's agreements do seem to comply with CCA and contain the prescribed terms.



S61(1)(a) CCA provides that, for a regulated agreement to be properly executed, it must contain all the prescribed terms of the agreement and conform to regulations under s60(1) – see Q1.14.


Reg 6(1) provides that the terms specified in Sch 6 to the Agreements Regulations are ‘prescribed terms’ for the purposes of s61(1)(a) and s127(3) – see Q8.2.


8.2 What if prescribed terms are missing or incorrect?


s127(3) provides that the court may not make an enforcement order unless a document containing all the prescribed terms of the agreement was signed by the debtor – see Q1.21.


If therefore any of the prescribed terms is missing, or incorrect, the agreement is not enforceable against the debtor, and the court is precluded from making an enforcement order.



8.3 What are the prescribed terms?


The prescribed terms specified in Sch 6 are as follows:


* amount of credit – see Q8.


* credit limit – see Q8.5

* repayments – see Q8.9.

* rate of interest – see Q8.6


Sch 6 was not amended by the 2004 Regulations.



Also check out Peter Bard's excellent thread on the subject: http://www.consumeractiongroup.co.uk/forum/general/103383-agreement-enforceability.html


Technically they are chasing the wrong person, but I feel that's minor.


Now when was the last acknowledgement in writing or by payment made on the debt ??

Be VERY careful whose advice you listen too

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Well all the prescribed terms are on the first page and the signatures seem ok..

this is a none cancellableagreement which means tht their was no anticecedant contact between debtor and creditor.

They are correct in saying that they would not be able to enforce without a court order and in fact they would not becsase most of the protection and remedy information required bythe agreement regulations a missing if you have a look on the agreement thread you wil find a list of what should be on the agreement otherwise it is contained withinthe1983/1553 regulations.

Best regards





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Right i have done this every way possible hopefully one will work. There are two sheets so i have listed them sheet 1, sheet 2.


Sheet 1


img003.jpg - Image - Photobucket - Video and Image Hosting


Photo Sharing and Video Hosting at Photobucket




Sheet 2


img004.jpg - Image - Photobucket - Video and Image Hosting


Photo Sharing and Video Hosting at Photobucket




If people still can't see in detail, can someone suggest how to display please.



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As i have previously stated i am not an expert on these things. A couple of things that i would question about this form.


  • The address is in correct, and as such i would not have signed something with incorrect details.
  • The actual credit limit is not given (i would have assumed that this should be on here?)
  • The full terms and conditions mentioned within this document are not provided.
  • The statement refering to this agreement not being binding to Egg until they have completed checks and i have signed and returned the credit agreement. (Just sounds like an application form statement to me)?

Does this mean then that they have supplied me with a document that does not comply with the CCA request?

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Hi Curlyben.


I don't have any records that i ccan look at unfortunately.


the details i have are from my credit report:


ACC start date 21/05/2002

Acc closed 15/01/2003

Last updated 10/11/2003

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I am sending a SAR to egg to find out all information relating to this.


Hopefully this should tell me all the relevant dates, and also how much of the debt is made up of unlawful charges. I would not mind paying what i owe, but i certainly am not going to pay for the charges they have levied against the account.


I'll keep posting with updates, and hopefully this will help others.

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