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    • I do disagree with you regarding one thing - we are not very good with letters or these situations and are slow on the uptake. So far you have stood up to Excel and their threats, immediately given us the information in the sticky, done loads of reading up to educate yourselves, learnt from the mistake of outing the driver so you'll know not to do so in the future, got on to the organ grinder to try to get them to call off their dogs, etc., etc.  Good grief - we wish everyone who came here would do this!!! Most people who get these invoices sadly think they have been fined and if they don't pay a drone from Ukraine will be diverted and will fall on their home (or some such vague grand apocalyptic threat) and they fold and give in.  You haven't.  Well done. Don't worry - you won't be paying a penny.  Although it will take some time to see off this vile company.
    • Spot on!  You learn quickly. Who cares if the case gets sent to debt collectors?  They have no powers.  All the effort you will have to put in will be to open envelopes - and then spend time laughing at their daft "threats".  No stress at all!
    • I did ask them why, but seems they have more spare cash than we do .. ;-( .. I doubt their bank would even support a chargeback after a year has passed. Anyway I've constructed my first DRAFT Snotty Letter .. so here goes ..   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you had added. Shall we raise that related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding the ANPR entry / exit periods compared with actual valid parking periods. Especially with no consideration of the legally allowed grace periods and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the issues with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture more useless ANPR photos. We will of course be requesting “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Legal Counsel on behalf of the Vehicle Keeper.  
    • Hi,t I'm not sure if I'm posting in the right subsection but General Retail appears to be the closest to it I think... About a year and a half ago I got a new phone so I listed my iPhone 10 on eBay.  The listed stated 'UK only' and 'no returns accepted'. Considering I had had the phone for about 4 years, I myself was amazed that I had kept it in such good condition all that time - apart from being slightly scuffed around the charging port there was absolutely nothing wrong with it. It had the original box, its unopened original Apple cable, plug, and earbuds, and I threw in a case for it and It had always had a screen protector on it. Someone wanted it from Armenia, and I stupidly agreed to it.  She paid and I sent it off, fully insured. Not long after she received it, she sent a message saying it 'was not as described', so I asked to see photos of whatever was the problem.  She sent two photographs of the box.  Just the box.  I said I wasn't even going to consider refunding her unless she told me what she meant by 'not as described'.  I thought, if it's been damaged in transit, then it would be covered by the insurance. Anyway, she didn't respond at all, even though I had messaged her several times, so she opened a case with eBay. I have sold a fair few things of mine on eBay in the past buy had never had had anyone come back to me asking for a refund.  I got in touch with eBay several times by phone and by email, and found out they always side with the buyer, no matter what with their 'eBay Seller Guarantee'.  She had been told she could keep the phone and told me they would recover the money from me from my account blah blah.  So I unlinked all of my cards etc and changed my bank account to one that I never use with no money in it. My account got suspended.  I continued to try to explain to eBay that I had been scammed but I got nowhere. My account was permanently inaccessible by this point. I reported the phone stolen and the IMEI blacklisted but I'm not sure if that would make any difference being in Armenia, but it was all I could think of to piss the buyer off. A couple of months later I was contacted by email by a debt recovery company (I can' remember who now), to whom I explained I will not discuss the matter with them until I had received an SAR I had requested from eBay. As I could no longer access my account, I couldn't review the communication I needed to show I was not in the wrong. The SAR was produced but I was advised that the information I was looking for would not be included but I said I wanted it anyway.  There were so many codes etc. and hoops to jump through to access it, that even after trying whilst on the phone to them, I still couldn't get into it, so I never got to see it in the end.  I think they said they would send the code by post but they never did and I forgot about it after a while. I've just come across a couple of emails from Moorgroup, asking me to phone them to discuss a private matter regarding eBay.  I haven't replied or done anything at all yet.  The amount they are trying to recover from me is £200ish from what I remember. I know it's not that much but I don't want to pay the b*astards on general principle. I've had a lot of useful advice from CAG in the past about debt collectors but it has always been about being chased by creditors, I've never been in this situation before. I don't know what power they legally have to recover the 'debt', and most importantly, I am two years into a DRO, and the last thing I want is another CCJ to shake off if I'm cutting my nose off to spite my face.   Any advice gratefully received!!
    • Hi, I have the Sims 4 on Macbook. Over the last year I have paid for multiple add on packs spending a lot of money on them. I bought them all in good faith as my Mac met all the minimum requirements to play them. I have been playing happily for about a year and bought my latest pack just over a week ago. The games were all working fine yesterday. Then suddenly today EA released a new app to launch the games and this new app requires a MAC OS that my computer cannot use. Now suddenly none of my games are accessible and I am unable to play anything. They did not warn us about this change in requirements and if I had known they would be doing this I wouldn't have bought all these add ons as they are now all totally unusable. The games themselves have not changed, only their app to launch them and I can't afford to buy a brand new mac just to play. So my question is how can they change the minimum requirements after I have paid for a game? I agreed to pay for them based on the fact my mac met their requirements and was not informed when purchasing that this would be an issue in the future. I understand new games (like Sims 5 which is to be released next year) might not be compatible but this is a 10yr old game that they have suddenly made inaccessible due to their new launch app. Does anybody know if I can do anything or anyway to get a partial refund from them? Thanks   Here are their T&C... I can't find anything in there about them being able to do this so not sure what to do https://tos.ea.com/legalapp/WEBTERMS/US/en/PC/
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Help Please re: CCA decision


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We're fine (although stressed by all the DCA action of late!) thanks babybear, hope you don't get too stressed out by Uni! :)

 

CitizenB, thank you so much for that template - absolute class! I will get them typed (will send to B, O & S too) and posted by recorded delivery.

 

Should I send a copy of Moorcroft's threats to FOS?

 

Thanks again :)

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Yes, send FOS a copy :D

 

Absolutely, just to wind them up a bit more you could add a sentence into the letter to say that you are forwarding a copy of their letter and your reply to the Financial ombudsman.:)

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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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  • 2 weeks later...

Hi all, Mrs Z here.

 

Mr Z received the following from the Moorcroft Morons today.

 

After sending the letter (recorded delivery)to said morons (kindly posted by citizenB), also sending a copy of Moorcrofts last letter and a copy of Mr Z's reply to the FOS, they have the temerity to send this latest garbage. The FOS has sent an acknowledgement so I presume they are willing to add it to the complaint file!

 

http://i305.photobucket.com/albums/nn216/Misterzeus/Moorcroftscan2done.jpg

 

I love the last bit - Please note we have confirmed with a major public utility that you are in occupancy at the above adress. how scary - not!!:D

 

Well bully for them! Mr Z isn't trying to hide where he lives from the idiots!!!

 

Should I file and ignore?

 

Or send a copy to the FOS and still ignore Moorcroft?

 

Any opinions/advice gratefully received as always, thank you

 

Mrs Z :)

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:D:D Beaten by baby bear again:D

 

Davey77 received one of these Mrs Z, I will just quickly check what his answer to them was for you. BRB.

 

Here you go, I am wondering if it would be a good idea to telephone the Information Commissioner's Office to see if this type of data sharing is permitted.

 

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-34.html#post1537249

Edited by citizenB

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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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This was his response..

 

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-41.html#post1755436

 

 

Hey, yes i did respond to the 'utility company' statement re Moorcroft (Halifax and Cahoot) but had no reply whatsoever I'm afraid. I will be bringing the matter to the attention of the Information Commissioners Office to see what their view is regarding such statements (but being a government body they probably don't care mind you!).

 

Here is the sentence i used if Mrs Zeus would like to use it or even add more weight to it. I'm not legally certain whether it is a breach of the Data Protection Act.. but if it isn't, it sure should be. But i should think it a reasonable request at the very least to ask what utility company has been responsible for passing my personal details. I doubt I'll ever get an answer (as it's probably not true and just scare tactics.)

 

"If you require information as to confirmation of my identity and occupancy, as your previous letter has inferred, then you will be charged £10 per item which is preferable to committing a breach of the Data Protection Act in soliciting my personal details from a 'public utility company'. Should the later occur, or has already occurred, i will require the name of said company as i will wish to issue legal proceedings against them for breach of said Act."

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 have just telephoned the Information Commissioners Office. :-D

 

There would be no legal basis on which Moorcroft could request this information from any Utility company. Their advice is to write to Moorcroft and insist they provide you with the name of the Utility company they refer to. Then make a complaint to the ICO . :)

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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Good morning, Mrs Z here

 

babybear, Mr Z and I are fine thank you, glad everything's well with you and Uni :)

 

citizenB, what can I say?? You're a star as usual! :)

 

Thank you so much for going to all that trouble for Mr Z and I regarding the Moorcroft morons!!

 

I shall certainly write to them on the basis of your telecom with the Information Commissioners Office, thank you so much once again! I will also do a complaint to the Information Commissioner's Office too!

 

Also a big thank you to Davey77 for his input, we very grateful indeed!

 

The CAG has truly restored my faith in human nature, I feel quite humbled, thank you all from the bottom of my (and Mr Z's) heart.

 

Mrs Z :)

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Hi, Mrs Z back again!

 

This post is more of a moan really; it concerns Citi Cards/1st Credit. As mentioned earlier in the thread, I wrote to our local Trading standards, 1st Credit’s area Trading Standards and to the OFT.

 

The post has just arrived and Mr Z has received a reply from our local Trading Standards.

 

I despair, I really do! What is the point in writing to these people? I feel it’s been a complete waste of time.

 

All relevant copies of letters of communication between Mr Z and Citi/1st Credit were enclosed, which TS have kindly sent back to “re-use” in a complaint to the FOS.

 

Personally, I find the comments rather contradictory, especially point 5 – or is it just me??

 

Anyone’s opinion on this would be welcome, thank you.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/TSSCAN.jpg

 

 

A rather despondent Mrs Z :(

 

 

PS: I can almost hear knoxvillian say - I told you so :lol:

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I have just telephoned the Information Commissioners Office. :-D

 

There would be no legal basis on which Moorcroft could request this information from any Utility company. Their advice is to write to Moorcroft and insist they provide you with the name of the Utility company they refer to. Then make a complaint to the Information Commissioners Office . :)

 

Unless, of course, it's Moorcroft United Utilities that has provided the information and they are part of the same group of companies that fall under the same Data Controller.

 

;)

 

Of course, that's a joke, as far as I know.

 

:p

 

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Unless, of course, it's Moorcroft United Utilities that has provided the information and they are part of the same group of companies that fall under the same Data Controller.

 

;)

 

Of course, that's a joke, as far as I know.

 

:p

 

:lol: Nice one :p

 

Mrs Z, go for it. Make a complaint to the FOS using RMW's excellent thread to make your complaint crystal clear. It will at least put the account firmly into dispute.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html#post1447619

 

I too have been unsuccessful with complaints made to Trading Standards and now bypass them and go directly to the FOS.

 

I was however very impressed with a recent courtcase where TS prosecuted another market stall holder for selling things in imperial measurement. Even though the European Commission has said it is no longer a crime. Apparently it is still on our statute books and TS felt they just had to make an example of a pensioner trying to make a living ???

Edited by citizenB

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 was however very impressed with a recent courtcase where TS prosecuted another market stall holder for selling things in imperial measurement. Even though the European Commission has said it is no longer a crime. Apparently it is still on our statute books and TS felt they just had to make an example of a pensioner trying to make a living ???

 

 

That seems to be the only level at which some Trading Standards can operate!!

 

Thanks yet again citizenB for your help, will have to start again with a complaint to the FOS. I will make sure the covering letter explaining why Mr Z is complaining is crystal clear!! :D

 

Thanks again

 

Mrs Z :)

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  • 1 month later...

Good afternoon all, Mrs Z here.

 

This is an update on the Citi fiasco, today Mr Z received a letter from Citi regarding his CCA request, together with 15 loose pages titled “ Credit Card Agreement regulated by the Consumer Credit Act 1974”.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/CITIDONE.jpg

 

 

Should we file and ignore and wait to see what happens next or send them a suitable reply?

 

Any advice gratefully received, thank you

 

Mrs Z :)

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I believe they are incorrect in what they say. The only thing they are allowed to omit are the signature boxes. Unless you have been provided with a document that shows the prescribed terms then they havent fulfilled their obligation despite what they say.

 

You need someone with more knowledge of this though to be absolutely certain. :)

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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Thanks for your reply 111253 :-)

 

 

Thanks citizenB :-), regarding prescribed terms, it does state on the 2nd page of the loose leaf sheets – Purchase Rate, Balance Transfer and Cash Advance. The late fees stipulate a charge of £12 which means these are “current” terms and conditions.

 

I remember (I’ve a good memory sometimes!!) when it was in fact Peoples Bank and we were late in paying and they charged £20.

 

Does anyone think it would be a good idea to S.A.R Citi?

 

Thanks

 

Mrs Z :-)

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Good afternoon all, Mrs Z here.

 

This is an update on the Citi fiasco, today Mr Z received a letter from Citi regarding his CCA request, together with 15 loose pages titled “ Credit Card Agreement regulated by the Consumer Credit Act 1974”.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/CITIDONE.jpg

 

 

Should we file and ignore and wait to see what happens next or send them a suitable reply?

 

Any advice gratefully received, thank you

 

Mrs Z :)

 

In other words, they haven't got a copy of the agreement. If they did have, they would have sent it to you with a letter stating something along the lines of "We are delighted to enclose a true copy of your credit card agreement as requested. Now pay up."

 

Regards.

 

Fred

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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  • 3 weeks later...

Good afternoon all, Mrs Z here

 

This post is concerning Amex.

 

Quick recap:

 

Amex hasn’t come up with a valid CCA – yet. A complaint was sent to the FOS in July – still awaiting an adjudicator.

 

We saw off RMA, Credit Solutions Ltd, and the Moorcroft cretins and now this latest bunch of cowboys have crawled out from under a stone!

 

Mr Z has received the letter in link below today.

 

 

http://i305.photobucket.com/albums/nn216/Misterzeus/Vilcollections.jpg

 

I would like to ask if I may:

 

Should we reply and tell them this is subject to an FOS complaint and send a copy of their letter to the FOS or simply file and completely ignore them?

 

Any advice appreciated as always!

 

Both Mr Z and I would like to wish all Cagger’s a Merry Christmas and a Happy New Year.

 

Regards

 

Mrs Z :)

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