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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
    • sorry she is a private individual, the cars are parking on her land. she can clamp the cars. only firms were outlawed from doing it bazza. thats what the victims of people dumping cars on their drives near airports did and they didn't not get prosecuted.    
    • The DVLA keeps two records of you. One as a driver and one for your car. If they differ you might find out in around a month when they will send you a reminder as well as to your other half for their car. If you receive nothing then you can be fairly sure that you were tailgating though wouldn't explain why they didn't pick up your car on one of drive past their cameras. However even if you do get a PCN later then your situation will not change. The current PCN does not comply with the Protection of Freedoms Act 2012 Schedule 4 which is the main law that covers private parking. It doesn't comply for two reasons. 1. Section 9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN states 47 minutes which are the arrival and departure times not the time you were actually parked. if you subtract the time you took to drive from the entrance. look for a parking place  park in it perhaps having to manoeuvre a couple of times to fit within the lines and unload the children reloading the children getting seat belts on  driving to the exit stopping for cars pedestrians on the way you may well find that the actual time you were parked was quite likely to be around ten minutes over the required time.  Motorists are allowed a MINIMUM of ten minutes Grace period [something that the rogues in the parking industry conveniently forget-the word minimum] . So it could be that you did not overstay. 2] Sectio9 [2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN does not include the words in brackets and in 2a the Act included the word "must". Another fail. What those failures mean is that MET cannot transfer the liability to pay the charge from the driver to the keeper. Only the driver is now liable which is why we recommend our members not to appeal. It is so easy to reveal who was driving by saying "when I parked the car" than "when the driver parked the car".  As long as they don't know who was driving they have little chance of winning in court. This is partly because Courts do not accept that the driver and the keeper are the same person. And because anyone with a valid motor insurance policy is able to drive your cars. It is a shame that you are too far away to get photos of the car park signage. It is often poor and quite often the parking rogues lose in Court on their poor signage alone. I hope hat you can now relax and not panic about the PCN. You will receive many letters from Met, their unregulated debt collectors and sixth rate solicitors threatening you with ever higher amounts of money. The poor dears have never read the Act which states quite clearly that the maximum sum that can be charged is the amount on the signs. The Act has only been in force for 12 years so it may take a  few more years for the penny to drop.  You can safely ignore everything they send you unless or until they send you a Letter of Claim. Just come back to us if they do send one of those love letters to you and we will advise on a snotty letter to send them. In the meantime go on and enjoy your life. Continue reading other threads and if you do get any worrying letters let us know. 
    • Hopefully the ANPR cameras didn't pick up the two vehicles, but I don't think you're out of the woods just yet. MET's "work" consists of sending out hundreds of these invoices every week so yours might be a few days behind your partner's. There is also the matter of Royal Mail.  I once sold two second-hand books to someone on eBay.  Weirdly the cost of sending them separately was less than the cost of sending them in one parcel.  So to save a few bob I sent them seperately.  One turned up the next day.  One arrived after four days.  They were  sent from the same post office at the same time! But let's hope I'm being too pessimistic. Please update us of any developments.
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HBOS and OH's card debt


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

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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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Goodness Lexis, you were up late or early depending on how you look at it. :D

 

Looks good to me. :D

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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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Okay, I think the letter above crossed with their one, below.

 

'Thank you for your letter dated 7th October.

 

At present we are unable to provide historic terms and conditions for the above account. Should these become available in the future we will forward them to you.

 

We are not obliged to provide all 3 items that you have requested. Therefore the copy application form and the current terms and conditions sent to you together with our covering letter dated 16th September fulfil the request made under section 78.'

 

Am I right in reading that they're screwed?

 

They have no historic terms, they sent an illegible application with no prescribed terms, and they are stating that they don't need to send the '3 items' I asked for. This in itself has confused me a little, as I've read through both the CCA request, and the subsequent letter informing them it wasn't acceptable, and neither mentions 3 items, only the agreement and the terms. I think this is them knowing they're meant to send the agreement, the original terms and statement of account, but knowing they haven't complied and trying to do a bit of damage control.

 

Do I just need to write and get their final response now so that I can take this further, as we're obviously going nowhere fast? Or, can I do a letter intimating that as we both know the debt is unenforceable, they'd do best to zero the balance and remove any data, then if that doesn't work taking it further?

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I think the 3 items would refer to

 

Agreement

Original t&cs at time of account opening and

Current t&cs.

 

Yes, you need a final response letter from them so you can take it further.

 

Something short and sweet, however, if you believe the letters might have crossed and the letter above is not in response to the last letter you sent, it might be worth waiting. Have you tried track and trace to discover when your letter was received by them and when was this current letter from them dated ? Okey dokey, I have just seen their letter is in response to yours dated 7th OCTOBER ???? not exactly rushing to answer you are they ?? Although again, they could be replying to both couldnt they ?? Check track n trace see when they received your letter dated 13th November.

 

 

 

Dear Sirs,

 

Reference your letter dated......

 

It would appear that you are not prepared to investigate my complaints fully and to my satisfaction.

 

Please therefore cofirm to me in writing that you have given your Final response in order for me to escalate my complaint to the Financial Ombudsman.

 

Etc, etc.

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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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Hi CB

 

I'll have a look, but the letter was received by me on the 14th/15th, so they'd have had to work pretty quickly to get one out on the same day. Mind you, it was very short so anything's possible...

Time flies like an arrow...

Fruit flies like a banana.

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hiya lexis,

 

wanted to see how you doing today, im having a bit of nightmare week with other stuff, you know life kids hubby bills, food, doing the dinner, and now off to do my volunteering stuff, i hope that life gets better soon,

 

have posted on maccasmum thread after you, lol and i hope you didnt mind me saying we are support/friends on here,,,, wanted to reassure maccasmum a little

 

anyway speak to you laters , still doing those damn fos forms, arghhhhhhhhhhhh but will get them finished today because i just keep hoping the post dont bring nothing i cant handle from our mutual friends,

 

have fun ciao for now MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Okay, reply received from OFT. As expected, they can't do anything, but I'm actually quite impressed with the letter. They do seem to be trying to explain things clearly, and also, it appears to give very helpful information which I'm sure can be incorporated into correspondence to aid us!

 

They cover what must be included in a 'true copy', and that the bank/owner has no recourse through the courts if it's not up to scratch.

 

They also state

 

We note your concerns that in the absence of a copy of the original agreement someone's liability for a debt can only lead to further query. However in circumstances like this we would view it as unfair practice under section 25(2) (d) of the Act and relevant to licence fitness if a trader failed to investigate and/or provide details as appropriate when a debt is queried or disputed.

 

that section is this btw - engaged in business practices appearing to the Director to be deceitful or oppressive, or otherwise unfair or improper (whether unlawful or not).

 

 

All things considered, I don't think it was a bad response. Not helpful per se, but certainly appearing to be written in order to help rather than fob off.

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Fruit flies like a banana.

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Also

 

No reply to CPR request, however we have been getting calls from Robinson Way. I thought this was in relation to MBNA, but apparently it's this account.

 

OH has now had a

 

FORMAL DEMAND FOR PAYMENT from them (that's their caps, not mine:))

 

HBOS have authorised us to recover the full amount you owe, shown above. This is a formal notice of intended court action. We may take action unless YOU PAY THE FULL AMOUNT YOU OWE WITHIN 10 DAYS OF THE DATE OF THIS LETTER. (dated 18th, sent 2nd class, got here yesterday).

 

If court action is taken and a court considers your failure to pay to be due to your refusal or neglect to pay, an order for repayment may be made...This problem account will not go away or be forgotten - it makes sense to pay now (that really reminded me of Only Fools and Horses - you know it makes sense Rodders:D)

 

Would I be right in thinking I'm now Bemused? If so, am I bemused with Robinson Way for writing, or with HBOS for passing it on?

 

I'd like to get a letter out to whoever needs one asap, so any help as always much appreciated.

 

Thanks

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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I seem to have thoroughly confused Blair Oliver Scott:D

 

I sent the 'CCA is illegible' letter to them on this account a while ago, including in it the fact that they sent a set of freshly printed terms with an old address on them.

 

On the 15th OH received another set of terms, this time with our current address on them (still not the one we were at when the account was opened:rolleyes:), but they've sent it with the Halifax agreement we had a while ago, which appears to be enforceable.

 

Bunch of absolute brainless t***s. And it ruins my filing - do I put it with the Halifax stuff or the HBOS??? Dammit, it was all so neat before.

 

I'm just wondering if I need to address this to them?

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Fruit flies like a banana.

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Lexis, the letter you wrote to Blair Oliver Scott.. post 58, I would send a copy of that to Robinson way. With a covering letter.

 

Dear Mugs,

 

Your formal demand, dated 18th NOvember and posted 2nd class mail was received today.

 

I was rather surprised to have received this from yourselves, having received one just like it from Blair Oliver Scott (whenever). I enclose a copy of the letter I sent them for your reference, this was received by them (whenever).

 

Perhaps they just simply forgot to advise you that this account is in dispute and has been since they HBOS failed to comply with a legal CCA 1974 request.

 

Yours faithfully, totally bemused. :D:confused:

 

It is also against OFT guidelines for more than one agency chase a debt at the same time.. although, I dont know where you would find reference to that.

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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I seem to have thoroughly confused Blair Oliver Scott:D

 

Not a difficult task :rolleyes:

 

I sent the 'CCA is illegible' letter to them on this account a while ago, including in it the fact that they sent a set of freshly printed terms with an old address on them.

 

On the 15th OH received another set of terms, this time with our current address on them (still not the one we were at when the account was opened:rolleyes:), but they've sent it with the Halifax agreement we had a while ago, which appears to be enforceable.

 

Are you sure it is enforceable ?. Have you also checked the account numbers (you probably have, just checking)

 

Bunch of absolute brainless t***s. And it ruins my filing - do I put it with the Halifax stuff or the HBOS??? Dammit, it was all so neat before.

 

I'm just wondering if I need to address this to them?

 

Hmmm yes, Halifax.. Halifax Bank of Scotland and RBOS.. they dont make life easy do they. :( Check the account number and put it with which ever one it matches :p

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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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Okay, reply received from OFT. As expected, they can't do anything, but I'm actually quite impressed with the letter. They do seem to be trying to explain things clearly, and also, it appears to give very helpful information which I'm sure can be incorporated into correspondence to aid us!

 

They cover what must be included in a 'true copy', and that the bank/owner has no recourse through the courts if it's not up to scratch.

 

They also state

 

We note your concerns that in the absence of a copy of the original agreement someone's liability for a debt can only lead to further query. However in circumstances like this we would view it as unfair practice under section 25(2) (d) of the Act and relevant to licence fitness if a trader failed to investigate and/or provide details as appropriate when a debt is queried or disputed.

 

that section is this btw - engaged in business practices appearing to the Director to be deceitful or oppressive, or otherwise unfair or improper (whether unlawful or not).

 

 

All things considered, I don't think it was a bad response. Not helpful per se, but certainly appearing to be written in order to help rather than fob off.

 

Hi Lexis, this is an extract from a response I received from OFT;

 

"We note your concerns that in the absence of a copy of the original agreement someone's liability for a debt can only lead to further query. However in circumstances like this we would view it is as unfair practice under section 25(2) (d) of the Act and relevant to licence fitness if a trader failed to investigate and/or provide details as appropriate when a debt is queried or disputed"

 

I would put money on the entire email being identical to yours. I have discovered, looking at other threads, that this is just a standard fob off that they send out. I don't think they even bother to read the emails they get. I think it is dreadful that they do not address each complaint on its own merits. This is why these companies continue to get away with the things they do, because organisations such as OFT and TS will not do their job.

 

magda

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Magda, I received exactly the same... twice :D

 

I also had a form to sign, in the event that they receive sufficient complaints against one particular trader then they will need to provide names etc to back up their investigation.

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Uploading documents to CAG ** Instructions **

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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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Aah, you want to send it by post Magda, then you get the form;)

 

How about this....

 

Your formal demand, dated 18th November, sent 2nd Class, reached me on the 22nd November.

 

Quite apart from the fact that I have not had any form of a Notice of Assignment (or similar) to inform me of your involvement, I was rather surprised to have received this from you, having received one just like it from Blair Oliver Scott on the 30th October. I enclose a copy of the letter I sent them for your reference; this was received by them on the 10th November.

 

Perhaps they neglected to mention that to date HBOS have been in default of my section 78 request under the Consumer Credit Act 1974 since June, and that the account has been in dispute since.

 

As you are aware, while my legal request remains in default, enforcement action is not permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both unlawful and vexatious.

 

I would respectfully suggest that this account is returned to HBOS for resolution of these defaults and breaches, as you cannot lawfully pursue any enforcement activities.

 

Any further correspondence from you, save to inform me of you passing the account back to HBOS, will simply be added to my FOS complaint, as you are already in breach of many OFT guidelines on Unfair Business Practices.

 

It's a combination of your suggestion CB, and a letter I found by the other CB (CurlyBen:))

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Fruit flies like a banana.

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Oh very nice Lexis. Excellent. :D

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 CB - didn't work though:rolleyes:

 

Just had another 'our client has instructed us' etc from RW.

 

I've knocked this up

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

OR YOUR CLIENT

Dear Sir

Your ref: 726413100

Thank you for your letter dated 30th November, which I received today.

You have already been informed in writing and on the phone that I have not received any Notice of Assignment from HBOS regarding this account.

HBOS are currently in default of a Section 78 request under the Consumer Credit Act 1974, my legal request for information following the threat of court, the account is in dispute, and they have breached my section 10 request under the Data Protection Act with regards to data processing. They are also in breach of many OFT guidelines, as are your company.

Notwithstanding all of the above you will of course be aware I have absolutely no intention of paying money to you or anyone else who can not prove they own the alleged debt, or indeed that I owe it.

The only correspondence I expect to receive is acknowledgement you are not pursuing this. I suggest you do not write to me again regarding anything else, otherwise your next letter will be used as evidence of harassment in a complaint to the Police? and ?. (not sure who I can actually complain to, so any prompting is welcome:D)

 

How's that one? Can I get it off to them or do I need to amend much?

 

 

Thanks

 

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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hey lexis

 

im off to the post office but you know me im still learning im sure someone with fab experience will come along soon

 

i think i will be dealing with these soon so am following your thread with much gusto,,,lol

 

hope the choc fever has subsided

 

catch up laters gal have fun MAZ;)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Lexis, your post 96. I think that would be the Police, Trading standards and OFT.

 

BTW, I wouldnt THANK them for their letter.. they might think you enjoy getting the darn things and send you another one.. :p

 

Start it off, " I am in receipt of your letter, etc"

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Much better CB, thanks:) I'm so used to trying to be polite to people I tend to miss obvious things like that when they're not needed!

 

I'll amend for the TS bit etc, and get that off today.

 

Lexis:)

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Fruit flies like a banana.

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Good on you lexis

 

hiya CB and yes have replied to your pm

 

have a fun day off to pay some bills MAZ

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Good on you lexis

 

hiya CB and yes have replied to your pm

 

MAZ

 

Hiya Maz, ummm.. didnt get a pm from 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

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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Hi Lexis,

 

Just thought I would post a quick note to say how relieved I am to have found your posts!

 

I am going through the exact same situation with my OH's Halifax Credit Card and it seems we have received almost identical correspondence from Halifax and Blair, Oliver, Scott.

 

At the moment, we are at the stage where we have disputed the copy application form and have received the reply saying 'you had the money, you pay it back'. They have refused to let up and Blair have sent a final demand for payment.

 

At least they don't seem to be as bad as Lloyds, they've just taken the money out of OH's account without permission, despite cancelling the Direct Debit!

 

Please, please keep up the good work, and the fight! It is so very reassuring to know we are not the only ones.

 

Take care,

 

JRP1414

Edited by JRP1414
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Hi JRP1414

 

I'm glad you've found the thread useful, especially if you (like me when I started) thought your situation was unique:)

 

I hope you already realise it, but it really reduced the pressure when it clicked with me that the letters they write are a 50/50 mix of twaddle and threats. There is rarely anything substantive in them, and I guess this is because they have nothing to back up what they say. If they did you'd be in court. Having said that I do still have a panic sometime (the court notice did that to me), but then I come on here and someone like CitizenB or Maz comes on and tells me not to be so silly:)

 

If you need any letters etc let me know. That's one of the things I found very useful on here, as if you have a frame to work from, letters flow much more easily (and quickly). Also, when I started looking on here I always had Word open. I have folders in it for quotes and letters picked up round the site, and it's dead handy to have as a reference for letters (or phone calls if you really must, but I would most definitely keep anything of any relevance to letters, sent by rec.delivery and not signed by you!

 

Have you got a thread going? If you have, please feel free to post it on here so others can follow your shenanigans (yes, I did say shenanigans:D) with them.

 

My update today is RW have now written saying they have

'noted the dispute/query you have raised. We will make the necessary enquiries and let you know the outcome in due course. In the meantime we will stop all collection activity for this account.'

 

And to think, last week they were intent on taking OH to court:D

Time flies like an arrow...

Fruit flies like a banana.

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