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    • Received initial reply to CCA requests from Lowell in relation to the Cap One £4k and Argos Card.  Both are identical with exception of account information.   Do I now get my partner to stop the payment arrangement? 20201202-CCA Reply CAG.pdf
    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
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MBNA CCA received from DLC

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Hi All-


a while back I posted on here about DLC chasing me for a debt I had with MBNA and how abusive and unprofessional their beahviour. On the advice of some back in May I wrote to them seeking a copy of the original CCA.


Finally today I received this- do you think it is enforceable. I don't want to shirk my responsibilities but as I stated before, I was trying to pay this off and they were being so difficult about it at every turn. The debt is a little over £3,000. I still don't know if they have bought the debt or are simply enforcing it.





BTW I simply erased my name- it was not left out of the application

Edited by Salfordian
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Is the second scan the back of the first? does it say T&Cs overleaf above your sig?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Is the second scan the back of the first?


No it is a separate sheet



does it say T&Cs overleaf above your sig?



you mean just above my sig? It says I have the right to cancel and exact details of how and when will be sent to me by post.


Then it says- This is a Credit Agreement regulated by the Credit Consumer Act 1974. Sign only if you want to be legally bound by it's terms.




At no point does it say the terms and conditions are over-leaf either before or after my signature. It only says underneath the part entitled Principal Cardholder's request and declaration- Before you sign the agreement you must read condition 11 in the terms and conditions provided. I don't know if it says 1.1 or 11. But there is no condition 11.

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Well IF they could show in court that the second page was part of the agreement, then it would be enforceable IMO.

I think the only way they could do that is if they have the actual original, but you have no way of knowing that at this stage.

I cant actually read what it says but the prescribed terms appear to be on page 2

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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it doesn't actually state the amount of credit at any point. It just says that from time to time they will choose the credit limit and notify me of it. In relation to payment it just says- By the payment due date shown on the relevant statement you must make at least the minimum payment shown. It says they will choose the first date of the first statement and later statements will fall one month apart As for the APR it says - it depends on limit and transaction and gives examples of credit limits in relation to retail and cash advances.


Under the section about loss or misuse of cards it says-



Set out below are the important financial and related particulars taken from conditions 1&2 of the Virgin Credit Card Terms and Conditions. Conditions 1 and 2 and the other conditions referred to in these paragraphs and the applicable definitions can be found in the full Virgin Credit Card Terms and Conditions enclosed which form part of the Agreement between us and you.
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Not sure if it makes any difference but I'll mention it anyway...


On the first page under the part where it says Representative Use Only it asks


if the form has been completed by the customer and it's marked "no".

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Mmmm, i'm hesitant with this....


...as Creditcardmug has pointed out, the page you have signed should have a clear link to the T & Cs which i cannot see. However, it could be a risk to allow it to go to court. If they did have a true linked agreement you would be in trouble. I am doubtful they would have, but you never know.


Have you done a S.A.R? It may be worth it to see what paperwork comes in that.


Do you think there are any charges on this? If so, i would start reclaiming.


Can you rememeber where you filled this form in?

I'm midway through the tunnel, but getting closer to the light.




Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 5 months later...

Just bumping this thread for relevance.....(ps- did not see your post til now Hopeful1 so please accept my apologies for not responding)


Shortly after I recieved this CCA, I was advised by Hillesden that the account would now be returned to the handlers and they would be in contact regarding making payments. That was in August 08.



Only last week did I get a letter from DLC claiming they were working on behalf of Hillesden Securities and were contacting me regarding the debt account.They asked to contact them immediately at the number they provided and that "failure to respond to this letter may result in further action which could increase the value of your debt. If we do not hear from you within the next 7 days we may visit this address to confirm the information we hold."



Advice on my next move please? Do they seem like they are starting from scratch? They did not identify the credit card company. Can I say I acknowledge no debt to DLC or Hillesden Securities and request a CCA and proof they own the debt and should I tell them they cannot visit my property?? They seem really inept.

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Yes basically send them a prove it letter, whilst protesting you have no idea what they are talking about.


I dont have a letter for this but i do for doorstep visits, ill post that up so that you can incorporate it into the letter.


Further to this all calls from your Doorstep Collectors must also cease unconditionally and with immediate effect. I note that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).


Take note, I revoke license under English Common Law for you, or any of your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless. Any trespassers you attempt to send therefore will be dealt with accordingly.


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Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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