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12 days up for lowell


Dorabell
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So sorry guys. I was getting rather muddled after a long time reading/writing/updating, etc.

 

What I should have said is that they were on about Carey V. HSBC, which superseded the case two months before, but conveniently omitted the part in red:

 

The judgement in the case of RBS v McGuffick was on the 6th October 2009, however, there was a subsequent High Court Judgement that was passed down on the 23rd December 2009 - Carey v HSBC - and as such, Carey v HSBC became the legal precedent and the McGuffick case, in regards to a CCA, was superseded as of the date of the judgement in the case of Carey v HSBC.

From the judgement of Carey v HSBC:

“Under Regulation 7 of the Copies Regulations, Waksman, in Carey v HSBC [2009] EWHC 3417 (QB) para. 108, stated: ‘I conclude that Regulation 7 requires a copy of the executed agreement in its original form….’ ”

 

 

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another sms message about half an hr ago urgent to ring hamptons on answering please press 1 if you are this person:| why don,t they just ring them selves insted of sending these silly text messges i have had no fan mail for a while is this a good thing or bad:?::-)

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Ive not heard for ages ..I always think its a good thing when you dont hear from them :) they obviously know they are not getting anywhere ..My SMS stopped after a while ;)[/quote

 

it is very anoying at times but like you said its better then being unadated with fan mail i supposed lol:-)

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Hope you are logging them all Dora its a form of mental torture:wink:

 

Andy

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Excellent, I'm fine thanks Dora.

 

Important to record all forms of harassment and searches on your CRAs pre litigation, this will enable a self built defence (over 3 years) should needs must if this escalates any further.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Excellent, I'm fine thanks Dora.

 

Important to record all forms of harassment and searches on your CRAs pre litigation, this will enable a self built defence (over 3 years) should needs must if this escalates any further.

 

Regards

 

Andy

 

another search today still not updating the account haven,t since last year:???:

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Keep logging ’em.

 

Only another 18 months Dora to SB:clock:

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Dora, is this your landline or a mobile they are contacing?

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Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I quite like the BT Text to home service. I send rude messages to Mrs Bassett. When they are read out in that half posh/half robotic voice they sound hilarious.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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thanks CB i have try,d the above it said it takes 20mins to activate hopefully it will work:-)

 

I certainly hope so :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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another unrecorded search on my credit file :-x

At least there is no impact from that.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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