Jump to content


  • Tweets

  • Posts

    • So sorry it's took me a few weeks to respond back to you. Thank you so much for your response. My grandfather is clear about the pension deductions on his pay slips.  As I mention before all these went missing in the burgarly. We have tried Willis Tower Watson but they were not to helpful. I am stuck what we can try next. Thank you again.     
    • As a rough guess it would be your landlord who would be responsible. But you need to understand the extent of your losses before you can begin any claim. This means that you need to list out any expenses to which you have been put, any expenses which would be associated with repairing damage or cleaning et cetera. And then list out the inconvenience to which you have been put as a result of this. Any actual expenses – money loss which has been incurred already all that is likely to be incurred in result of repairs will need an inspection and to quotations which eventually you will present to the landlord. Even if I'm wrong and it is not the landlord – you will still need the evidence that I have listed above in order to begin any claim.  
    • Hi, I have been renting a three bedroom, top floor flat for six years now in England. Just so you know, there is a letting agent, landlord and a block management company involved. Eighteen months ago we had a considerable leak in one of the bedrooms, affecting the next door bedroom as well but not as badly. This led to a lot of damage to the ceiling and the formation of mould within the first bedroom and to a lesser extent in the second bedroom. As far as we are aware, the leak has only recently been sorted by the block management company(who owns the roof etc…) Just over three weeks ago, a large inspection hole was cut into the ceiling, the workmen (instructed to come by block management) who undertook the work did not put any dust sheets down over any of the furniture, causing an incredible amount of dirt and debris throughout the entire flat, rendering the room unusable. We were left on a Friday afternoon with a gaping hole and no instruction as to what was going to happen next. Only after contacting our letting agent to inform them about the state of the bedroom had been left in, with a gaping hole and bits of debris falling, did they come to do a temporary fix to cover the hole which was after a week. As the bedroom is still unusable. My daughter has for more than three weeks been sleeping in the lounge. The letting agent did offer to get the place cleaned, but we see no point until the job has been completed. My landlord has reduced my rent by £200 for the past couple of months and is now wanting full rent regardless of the work being incomplete. A plan has been put in place, however, we have not been given a timeline for when these will be completed and this could take some considerable time. In addition to this, there was a leak in the kitchen but this was very minor, and we have a major condensation issue in the bathroom as the extractor fan is apparently not strong enough so the ceiling is covered in mould which is now being revealed as the paint is flaking off. The problem we have is that the building (roof etc..) is managed by a block management company. My letting agent has basically said that the damage is the responsibility of the block management and this nothing to do with the landlord, and therefore, does not want to give us any compensation. What are my rights as a tenant in this situation? Am I entitled to a continued rent reduction or additional compensation given the ongoing uninhabitable condition of the bedroom and the disruption this has caused? I have attached photos as supporting evidence and would be very grateful for your advice. https://imgur.com/a/yfm4FP9 Should you require any further information, please let me know. Thanks in advance! 😁👍
    • I have just read it again and I see that you say that you are going to be claiming for time and stress. This is not recoverable loss so I think that you should leave it out.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Rockwell Debt demand - help please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5811 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all,

I have started a new thread as I need some advice re a demand from Rockwell Debt collection agency.

The basic story is that OH has taken out a credit card in 1981, paid some of it up till 2005 and then after moving house etc 'forgotten' or 'ignored' paying it. I knew nothing of this until Nov 2007 when a letter arrived demanding payment by return for the sum of just over £5000. I was convinced that this was a [problem] letter until OH returned home..

His face said it all and amid heated exchanged the story finally emerged.

Anyway, I found your site, read up, spoke to consumer direct or someone who advised sending a letter RC to Rockwell, disputing the agreement and asking for a copy of the signed credit agreement and enclosed a PO for £1. I was also advised to state that if I hadnt heard from them within 28 days I would consider the matter closed.

Sent it, waited. Got an acknowledgment letter a week later, and waited.

Nothng.

Thought all fine - back to normal life - until

letter arrived from Rockwell on 6 March stating that although they are unable to produce a signed agreement, they enclose copies of the account statements (which show payments made in Nov 2005).

They want the total outstanding amount by return.

Spoke to Trading standards who said that they could not enforce without a court order because there is no signed agreement, but that they might have enough evidence in the statements and record of payment to prove he owed the money.

This has confused me as it appears to be different from what I read on this site.

I dont know what to do now.

TS advised calling CLS debtline and arranging a payment plan.

The house is in my name and OH only asset is his car.

Im really concerned. Can anyone help? Should I go and see a lawyer?

Link to post
Share on other sites

After reading further on this site, I now wonder if Rockwell are being naughty because they hadnt replied to me within the 28 day period. (It took them from mid Nov till early March to send letter stating they dont have a signed agreement).

Oh, what do I do?

Link to post
Share on other sites

No CCA = No Enforceable debt.

While Rockcakes can demand payment that is all they can co.

Court action is NOT possible and as such these letters can be filed under ignore.

 

Considering the amount of time that has passed since you CCA request they are in hot water as they are chasing an unsubstantiated debt.

This should be reported to TS for action. Best to speak to a DCA officer as others can be "confused" with the requirements of CCA.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

Thanks Curly Ben

I had thought they were maybe fishing as the letter they sent was sent second class and not RC. Surely if they had meant business it would have been RC.

What do we do now? Ive been advised NOT to ignore the letter, but to send something back stating that they dont have a signed agreement and they are outside the statutory reply period.

What do you, or anyone else recommend?

My sister in law who was in debt recovery sais the bank has sold on the debt to R for a small price and they will try all the debts to see if someone is a sucker. She says they ® cant take everyone to court.

Im a little afraid to do nothing.

 

The TS seemed to be a little doubtful - they didnt say anything re the 28 day reply period, although i mentioned it twice. Dosnt inspire confidence...

What do we do now?

Link to post
Share on other sites

Thanks Curly Ben

I had thought they were maybe fishing as the letter they sent was sent second class and not RC. Surely if they had meant business it would have been RC.

What do we do now? Ive been advised NOT to ignore the letter, but to send something back stating that they dont have a signed agreement and they are outside the statutory reply period.

What do you, or anyone else recommend?

My sister in law who was in debt recovery sais the bank has sold on the debt to R for a small price and they will try all the debts to see if someone is a sucker. She says they ® cant take everyone to court.

Im a little afraid to do nothing.

 

The TS seemed to be a little doubtful - they didnt say anything re the 28 day reply period, although i mentioned it twice. Dosnt inspire confidence...

What do we do now?

 

bump

Just hate every DCA out there

Link to post
Share on other sites

What does 'bump' mean?

Ive seen it a lot on the forums here.

Is it an IT term, or is this you suggesting that I do something? Please explain 'bump'

 

 

People read your thread and recognise they are unable to help you so they just type in 'BUMP' to move your thread back to the top of the list so that someone with more experience will notice your thread and reply :)

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

Link to post
Share on other sites

Chickenlikken.. who did you send the original CCA request to.. was it the Original credit card company or to Rockwell ?.

 

If you havent been sent a copy of the agreement then the account is in DISPUTE and as such that is all you need to write to Rockwell.

 

I have tried to find a suitable letter for you, but as a newbie myself, I dont want to give you duff information. Someone will be along soon to help you I am sure.

 

DONT Panic. :D As Curlyben says in his earlier post

 

No CCA = No enforceable debt.

 

When you sent out your original CCA letter and received no reply in 12 + 2 days, did you send out the reminder which gave a further 30 days for the company to respond ?

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

Link to post
Share on other sites

originally, I received a letter from LLoyds TSB stating that the original account was assigned to Phoenix recoveries acting in the name and on behalf of Tessera Recoveries. LLoyds stated that the effective owner of the account was now Phoenix recoveries. Phoenix has now appointed Rockwell as their servicing agent to manage your account on their behalf. All further contact and payments regarding this account should now be directed to Rockwell. This letter was accompanied by one from Rockwell basically confirming that Phoenix had been assigned the account and that Rockwell were their managing agent.

 

Then a few days later came the letter from Rockwell stating the had been appointed by Phoenix to collect the unpaid debt within 7 days, or they would take immediate action.

 

I sent Rockwell a letter sent RC to state I was in receipt of letter dated...and having taken legal advice I wish you to supply me with a copy of the signed credit agreement relating to this debt (and enclosing a PO for £1 payment).

I stated on the letter that if i did not hear from them within 28 days i would consider the matter closed.

 

This was all what the consumer advice phone people told me to do.

 

I received a letter from R acknowledhging receipt of my letter, stating theywould contact me again shortly.

 

Then heard nothing until 6th march when letter from R arrived, stating that LLoyds are unable to provide them with a signed copy of agreement, but has givejn them photocopies of credit card statements relating to the account between 2005 and 2006.

The letter ends 'please remit the sum of £---- by return if you are to avoid recovery action continuing without further notice'

 

Thats how it lies at the moment.

Link to post
Share on other sites

Try hitting them with this letter

 

Account In Dispute

Letter Before Action

 

Dear Sir/Madam,

I refer to my recent correspondence with your company concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As **DCA** have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on XXXXXXXX and XXXXXXXX respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at XXXXXXXX this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

If **DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

Failure to respond favourably to this letter within fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours Faithfully

Link to post
Share on other sites

Right, well now I am thoroughly confused. I am sure someone will come along and correct me if I am wrong...

 

Lloyds have assigned your account to PHOENIX using Rockwell as collection Agents. I would say that you should have sent your letter to PHOENIX. I UK1975 has posted a letter for you to send so that is good news.

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

Link to post
Share on other sites

Im a little confused too!

As all the correspondance has been from Rockwells, im assuming i send the letter to them, although from what LLoyds say, it is Phoenix who now own the debt (I presume they own it. Does 'assigned' mean that LLoyds have sold the debt to Phoenix? So LLoyds are no long anything to do with it?)

In sending this letter to Rockwell as agents, this will include Phoenix (as they have deemed R to act on their behalf)

 

Also in the letter suggested in the paragraph beginning..'Therefore as at....(date)...Im presuming that the date i enter here is the date 42 days (12 days & 30 days) after their receipt of my request for CCA letter.

 

I just want to get it right.

Does anyone else have any thoughts on this before I send this out?

Very grateful for all help.

Link to post
Share on other sites

Chickenlikken,

 

Send the letter to Phoenix as they are the DCA that OWN your debt from what you and Lloyds say.. and COPY the letter to Rockwells, with a covering letter

 

Something along the lines of

 

 

Dear Rockwell

 

ACCOUNT IN DISPUTE : I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

 

I am in receipt of your letter dated xxxxxx .

 

I am puzzled as to why Phoenix, knowing this account is in dispute and that they havent complied with my legal request for a signed executed agreement, have passed this on to you for collection.

 

However this account IS in dispute and will remain so until such times as Phoenix have complied with my legal request.

 

I enclose a copy of a letter that I have sent to Phoenix for your information.

 

Yours faithfully.

 

 

 

**********************************

UK1975's letter to be sent to PHOENIX

 

 

Account In Dispute

Letter Before Action

 

Dear Sir/Madam,

I refer to my recent correspondence with your company concerning this alleged debt, copies of which are enclosed for your perusal and ease of reference.

As PHOENIX have failed to comply with my Consumer Credit Act request and admitted that the alleged signed executed agreement is unavailable, enforcement action is impossible under section 127 (3) of the Act.

 

The Consumer Credit Act allows 12 working days for this request to be carried out before your company enter into a default situation. If the request is not satisfied after a further 30 calendar days, Your company commit an offence. These time limits expired on ENTER HERE THE 12 +2 DAYS DATE and HERE THE 42 DAYS DATE respectively.

 

As you are no doubt aware subsection (6) states:

 

If the creditor under an agreement fails to comply with subsection (1)—

 

(a) He is not entitled, while the default continues, to enforce the agreement; and

(b) If the default continues for one month he commits an offence.

 

Therefore as at HERE THE 42 DAYS DATE this account became unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.

 

If PHOENIX chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40, Protection from harassment Act 1997 section 3 as well as breaching a number of the OFT Collection Guidelines.

 

Failure to respond favourably to this letter within fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice.

I also require a copy of your internal complaints procedure as further action may be necessary.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours Faithfully

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

Link to post
Share on other sites

Thanks for the advice and letters.

 

Id better just confirm to you that I sent my letter asking for a copy of the signed credit agreement to Rockwell.

I have checked the paperwork on the letters Rockwell have sent ...and in very small print it states that...Rockwell is a trading name of Tessera Credit services Ltd.

 

In another letter it states 'We have been instructed by Phoenix Recoveries (UK)Ltd on behalf of its compartment Tessera Recoveries, to contact you regarding the above account which remains unpaid'.

 

No where is there an address for Phoenix.

BUT, it appears that they are all the same organisation (albeit with different names).

So, as I have no address for Phoenix, do I just send one letter to Rockwell?

Sorry to be a pedantic pain, but you have given me detailed info, and it would be a shame to F*** it up.

 

Also, I called Consumer Direct today, who agreed the debt is unenforceable, but that they could (via the credit card statements) have some evidence to go to court with it. Although they agreed that they have breached the timescales as per the Consumer Credit Act. They also suggested writing a similar letter to that you have suggested.

Link to post
Share on other sites

Phoenix are at:

 

Phoenix Credit Services Ltd

Olympic House

6 Olympic Court

Salford M50 2QP

 

If Phoenix OWN your debt then Rockwell wont have the agreement and you could be going round in circles until you are 180. This is the reason I said for you to send the Original letter to Phoenix with a copy to Rockwell. Rockwell should have passed the original CCA request on to Phoenix.

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

Link to post
Share on other sites

  • 2 months later...
Errrr guys they are ALL part of the same company.

Tessera has alot of different heads.

 

 

Chickenlicken99, how did you get on with this. Sorry. I lost the link to your thread and only just found it again.

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

Link to post
Share on other sites

Errrr guys they are ALL part of the same company.

Tessera has alot of different heads.

What CB ^^ said.

Plus you can send the company or their agent the CCA request.

It really doesn't matter as:

 

LLoyds are unable to provide them with a signed copy of agreement, but has givejn them photocopies of credit card statements relating to the account between 2005 and 2006.

 

They don't have it. Every time they used to send me a chasing letter I used to send a non-compliance one back.

Eventually they wrote saying they would not persue anymore. It's all in my sig. CLICK ME

Edited by NitrousOxide
Linky
Link to post
Share on other sites

  • 4 weeks later...

Chickenlikken, is there an update please. :)

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...