Jump to content


  • Tweets

  • Posts

    • good  thanks for telling us the full story. its better we know where we stand always.   get the last CCA return up into ONE multipage PDF please read upload. don't post as JPG's to your thread please
    • The decisions were mine.  I had alot going on back in early 2011. We had a fire in our home office and my wife had just started a new job.  I was trying to get my head around my business which folded at the end of 2009 and what to do as well as look after 3 daughters 16, 14 and 11. That was when I decided to use a DMP and let someone else handle a number of c/card issues for both my wife and me. I stopped the DMP around April 2017 and then realised that I would stop paying and push to see who had a possibly valid CCA. Most of the cards have been sold on and there are no valid CCA's so are not enforceable but may raise their heads again. Cbot have decided that the size of this makes it worth trying for  suppose so that's why I'm ready to get this resolved now. Non of the CAG team have given an opinion on this recon CCA yet.   Will pick this up again on Monday as not around over the weekend. Thanks for your help.
    • I have a notice of enforcement, dated 26/4/19! This was the correspondence i received following my response to Harrow council detailing my difficult circumstances and requesting time to pay over installments.  Following receipt of this Notice of enforcement I had the visit just a few days after and before the said date on the letter.   I will do as suggested and contact my local Councillor.   Is it worth me sending a text message to the bailiff i spoke to?    
    • For a Civil Debt they would have to have a Controlled Goods Order with the items properly listed and a copy sined by the debtor. before they could apply to force entry.
    • Okay thankyou I have every faith In Ellen it's just worrying when get the letters especially with 2 little ones to think of makes u feel like u have failed them xx I'm just hoping our luck changes xx
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
surfaceagentx20

Getting Them To Reveal Their Vitals. Using CPR 31.14 to Your Advantage

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1913 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Some posters refer to the possibility of a copy of a CCA being produced in Court, where the original is unavailable/destroyed.

 

Surely this is not permissible? I refer to Practice direction supplementing CPR Part 16:

So surely the original must be produced in Court?

 

CPR 16

Practice Direction PART 16

STATEMENTS OF CASE

This Practice direction supplements CPR Part 16

 

OTHER MATTERS TO BE INCLUDED IN PARTICULARS OF CLAIM

 

7.3

Where a claim is based upon a written agreement:

 

(1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing, and

 

(2) any general conditions of sale incorporated in the contract should also be attached (but where the contract is or the documents constituting the agreement are bulky this practice direction is complied with by attaching or serving only the relevant parts of the contract or documents).

 

-------------------------------------------------------------------------------------------

 

Does this include CCJ hearings? I mean if I was served a claim form with PoC would they have had to included a copy of the agreement?

Share this post


Link to post
Share on other sites

Yes but you may have to demand it

Share this post


Link to post
Share on other sites

 

(1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing, and...

 

 

And as usual, the devil is in the detail - note the word 'should' not 'must'. Ultimately it is up to the discretion of the court.


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Share this post


Link to post
Share on other sites
And as usual, the devil is in the detail - note the word 'should' not 'must'. Ultimately it is up to the discretion of the court.

 

I completely agree with you FG, although the original should be available (how easy is it to reconstruct an agreement after all) but all it takes is one judge to be biased toward the creditor and that's it - he'll just say that a copy is enough. As you have said, the county court is a fickle thing.

 

Magda

Share this post


Link to post
Share on other sites

I still find it incredible that they can do this. After all, if judgie was sat there faced with a company using a copy of A N Other contract to win, would he think it was all fine and dandy in these days of Photoshop etc? I think not!

 

A contract is a contract. A copy of a contract could be any number of contracts cobbled together. It's just wrong that this happens.


Time flies like an arrow...

Fruit flies like a banana.

Share this post


Link to post
Share on other sites

Can somebody find the section in the Administration of Justice which states that an order CANNOT be made or an agreement enforced by the court without a copy of an original 'signed' agreement

Share this post


Link to post
Share on other sites

There seems to be some confusion here as to a default & a default notice.

 

A default can be registered by a creditor or DCA on your credit reference file any time you miss a specified payment. It's usually when you are 3 months in arrears but not always. They will usually write & tell you that this will be their action if you don't sort your account out.

 

A default notice MUST be issued by a creditor prior to terminating your account & it has to be in a format specified by the regulations & state the statutory notice by way of specific date by which you have to pay the arrears. They also MUST prove that the notice was sent on a date that would permit you the 14 days notice so it is very important that you keep any envelopes that a DN is delivered in. If the statutory requirements are not met in any form & the account is then terminated, the OC is only entitled to collect the arrears at the date of the DN & never, ever the full balance of the account.

 

I hope that helps you, katedog, establish which situation applies to you.


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

Share this post


Link to post
Share on other sites

Hi I'm new to this so excuse if i get things wrong. I have made an application to set aside a default judgment. The POC only refered to "a credit agreement". Can I still use CPR 31.14 and any suggestions as to best way to ament request posted at start of this thread.

Share this post


Link to post
Share on other sites
Hi I'm new to this so excuse if i get things wrong. I have made an application to set aside a default judgment. The POC only refered to "a credit agreement". Can I still use CPR 31.14 and any suggestions as to best way to ament request posted at start of this thread.

 

Yes, you can still use the CPR 31.14.. just remove the bits that dont apply to you in the draft letter, If you want to pop your finished version on your own thread.. we can have a look for you.


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

 

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

Share this post


Link to post
Share on other sites

they have disclosed in their pleadings a "credit Agreement" therefore you are entitled to see the "credit agreement" as it is clear that this document forms the basis of their claim

 

CitizenB is correct;)

  • Haha 1

Share this post


Link to post
Share on other sites
Guest Alison82

^^ What if I haven't even started a claim yet? I am trying to get as much information that they hold on me before I start anything.

 

Thanks

Share this post


Link to post
Share on other sites
^^ What if I haven't even started a claim yet? I am trying to get as much information that they hold on me before I start anything.

 

Thanks

 

You cant use CPR 31.14 without a claim being in process...

 

CPR 31.16 is the one you want for pre-disclosure documents.. see this thread..

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

But read the first 8-10 posts of the thread carefully before instigating anything

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites

I've read the first few pages of this thread and it's so precise, thank you x20..

 

I am helping a friend with a car hire purchase agreement. 3 page document, signatures on 3rd page. Following 4 pages of T & C's - all badly smudged and unreadable.

 

Judge ordered Claimant to produce legible copies at the hearing at which he placed a stay. The agreement eventually came back a blown up copy and just about readable, but the t & c's were missing and I doubt they will be able to copy those effectively as it's obvious they only have this very poor quality scanned copy of the whole lot.

 

Does the fact the T & c's are not provided legibly put them in breach of the Judges Order for a copy of the agreement.?. do these t & c's form part of the agreement when the signatures are before the t & c's not after them? Would it be worth sending a request such as this 31.14 or shall we be safe leaving it with the Judges Order..?

 

Thank you for a brilliant thread.


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

Share this post


Link to post
Share on other sites
Hi, I'm reading the thread with interest perhaps someone can help me out, I have recieved the same from Link Financial, they have sent me a copy of MBNA terms and conditions on them and my name and address, no signature, in fact I cant even remember getting a letter before from Link regarding this debt, they are stating that they going to try and take me to court and either make me bankrupt or a charging order on my house, they stated they sent me the copy of the CCJ request last year when I originally requested this but they certainly did not. What do you suggest?

 

I also have another debt with a company called Lowells, this is very strange, I CCJ Lowells anad they duly sent me back a copy of a reply card dated 5/12/99 this is for a credit card i applied for to Providian Bank, the terms and conditions are for a Monument Credit card no signature on that, then they are saying they bought this debt from a company called Compucredit. Lowells have sent me a default notice and a statement of account in the name of Lowell Portfolio. How do I start to contest this?

Credit crad reply form that has Credit Card Regulated by Consumer Act 1974 applying for a Providian Credit Card and Pin, my old address of 8 years ago, Terms and conditions in the name of Monument with my new address on agreement between R.Raphel & Sons PLC t/as Monument.

 

Hi alisono, the debts will more than likely have been assigned to Link and Lowell (both companies tend to purchase debts normally) and you should have received a notice of assignment informing you of this. The assignment is not valid until such time that you do.

 

Link cannot make you bankrupt or get a charge on your property, they would need to go to court to do this, and would need to obtain a forthwith judgement (ordering you to pay the full balance outstanding) and it is far from certain that they would, especially if you defend any future claim. They make these claims to intimidate you into making payments.

 

re: the CCA requests you have submitted to these companies, the response seems to be a copy of their t&c's only, as the documents don't seem to have your signature, is this correct?

 

I would send a follow up letter along the lines of the one I am posting below and then wait and see what their next move (if any) is. If they don't have an agreement containing all of the prescribed terms with your signature on it, then the debts are unenforceable and there is nothing they can do. Can I just check, when were these accounts opened, was it before April 2007?

 

Finally, I would start a separate thread for each of the above and post a link to them here. that way you should get more specific help. Also, would be a good idea to post up the documents sent to you by Link and Lowell on your thread to get an opinion on what has been sent so far.

 

Best wishes,

 

Magda

 

 

Letter you could send (adapted as necessary) is:

 

Further to your letter dated xxxxxxxxxxxx. In response to my request under the Consumer Credit Act 1974, the documents provided at that time were a standard copy of the current Terms and Conditions only. A copy of the executed agreement relating to the alleged account was not forthcoming.

 

However, as I am sure you are aware,this does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act.

 

You entered into default of my request on xxxxxxx. Whilst the account is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else.

 

I now request that the relevant documentation is provided in relation to the above account. I require a true copy of the executed agreement, the terms and conditions relevant at that time and additionally a statement(s) of account providing a complete breakdown of how the alleged debt was calculated.

 

Please note you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies including any defaults.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.I shall also be considering further action to recover unlawfully applied interest and charges that have been levied on the “Agreement”.

Edited by MAGDA

Share this post


Link to post
Share on other sites

how long ago did you acknowlege these debts (you mention 1999)

if you have had no contact for 6 years they are statute barred and you can tell them to swivel

Share this post


Link to post
Share on other sites

Hi Guys

 

Dont want to appear a complete numpty but can I ask a question which might be pertinant to this thread.

 

After issuing a request for Agreement using CCA 1974 section 78

I got what appears to be a standard letter from Barclaycard the usual stuff blank contracts etc. But the letter States

 

We note your reference to the Civil Procedure Rules. We have provided you with sufficient information to allow you to understand our position. The CPR does not confer an automatic entitlement to documents before proceedings start. CPR 31.16 provides that a party may apply to the court for pre-action disclosure in certain limited circumstances, which do not apply here. This application must be supported by evidence - and the usual order is for the applicant to pay the costs of the application, including the respondent's costs, together with the respondent's costs of complying with any order that is made as a result (CPR 48.1(2)).

 

It seems to be the first time that I have seen CPR 48 mentioned.

 

My head feels like it is going to explode but can somebody point me to an idiots guide to CPR rules and regulations. I am sure other numpties like me might benefit from a simple clear breakdown of all the jargon and forms.

 

Apologies if I have just butted in I have tried to read and understand the total thread but it got a bit hazy in the middle.

 

 

Many Regards Steve:???:


All my postings are Without Prejudice and as such can not be used in any Court.

Share this post


Link to post
Share on other sites
Hi Guys

 

Dont want to appear a complete numpty but can I ask a question which might be pertinant to this thread.

 

Not really, there is a thread titled "why you shouldnt use s78...." and your questions are answered on that thread tbh :-D

 

After issuing a request for Agreement using CCA 1974 section 78

I got what appears to be a standard letter from Barclaycard the usual stuff blank contracts etc. But the letter States

 

Barclays have updated their templates and include this on most s78 replies apparently.

 

It seems to be the first time that I have seen CPR 48 mentioned.

 

CPR 48 deals with costs

 

My head feels like it is going to explode but can somebody point me to an idiots guide to CPR rules and regulations. I am sure other numpties like me might benefit from a simple clear breakdown of all the jargon and forms.

 

Ok, first things first...

 

CPR 31.14 is to obtain information mentioned on particulars of claim forms, that is... if you have recieved a court claim in the post you could issue a CPR 31.14 request to the solicitors for documents specifically mentioned in the POC.

 

CPR 31.16 is for PRE-court procedural disclosure and is to be used prior to court proceedings to obtain a limited set of documents

 

If you google CPR it'll take you to the CPR site which lists all of them in numerical order and gives details of what each section deals with... ensure you do it in the morning tho as it'll send you to sleep at night.

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites
I think you misunderstood what I am trying to say!

Copies of papers FROM the court not to them:D

 

if the court records indicate that documents were sent to the other side - then as far as the court is concerned they WERE sent- end of!!

 

they have heard "we never received the letter guv" a million times (from both sides) and it is water off a ducks back

Share this post


Link to post
Share on other sites
if the court records indicate that documents were sent to the other side - then as far as the court is concerned they WERE sent- end of!!

 

they have heard "we never received the letter guv" a million times (from both sides) and it is water off a ducks back

 

I agree but see original post that I was replying to with a random thought...

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1777013.html

Edited by CBR600F
Wrong link updating

Hindsight is wonderful......

 

But now knowledge and advice are life savers:D

Share this post


Link to post
Share on other sites

Hi I have sent off a CPR 31.14 on the 6th April by recorded not sure if it went 1st or 2nd class recorded - my wife sent it.

Anyway assuming 2nd class that's four working days so they would have legally? been severed it Monday 12th.

 

I obviously know they have 7 days to reply but is that working days and how many days do you have to allow for the delivery of their reply?


Hindsight is wonderful......

 

But now knowledge and advice are life savers:D

Share this post


Link to post
Share on other sites

If you sent your request Recorded Delivery you can check when it was signed for on the Royal Mail web site and who signed for it. Then your count down begins.

Share this post


Link to post
Share on other sites

Yes I know that and they have received it RM web site does not update instantly.

 

What i was asking is the following:-

 

....they have 7 days to reply but is that working days and how many days do you have to allow for the delivery of their reply?


Hindsight is wonderful......

 

But now knowledge and advice are life savers:D

Share this post


Link to post
Share on other sites
Yes I know that and they have received it RM web site does not update instantly.

 

What i was asking is the following:-

 

....they have 7 days to reply but is that working days and how many days do you have to allow for the delivery of their reply?

 

They have 7 calendar days from receipt of the letter. You can always phone RM if the website is not updated.


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

 

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

Share this post


Link to post
Share on other sites
Yes I know that and they have received it RM web site does not update instantly.

 

What i was asking is the following:-

 

....they have 7 days to reply but is that working days and how many days do you have to allow for the delivery of their reply?

 

I would allow for service by 2nd class i.e. 4 working days

 

So, in total prob 14 calendar days from the day your OH posted it


If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 1913 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Please fill in your quit date here
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...