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    • Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
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    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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BOS said no signature required on CCA


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I am looking for some advice please. I have received an agreement from BOS for my son's credit card after some chasing. I checked it and noticed it was missing a signature from the bank on the application. Plus they had attached an 8 page Credit card Agreement which has completely different Key Financial Information on it. On further investigation it became apparent that this was a new agreement as the apr, charges etc were all different. To cut a long story short I wrote back saying I thought this agreement was unenforceable. The reply was to quote.

 

The bank speaking

1. I have been informed by our legal area that all the actions we have undertaken in relation to your account have been done in accordance with the agreement you signed when the account opened. Whether or not the agreement is signed or stamped on behalf of bank of scotland, you have agreed to the terms of the account. If an agreement is unenforceable it does not mean that the debt is invalid.

 

What should I do now? Any help would be appreciated.

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Scan the agreement and remove all personal details from it i.e. address, account number etc (you can do this with windows paint, or a simular package), or alternatively take a photocopy of it, black out the personal details with a marker, then scan and upload it.

 

The CCA should be signed by both parties, however you do not want to rely on this fact to dispute the debt. When was the agreement signed, and where (in bank, via post etc).

 

Halifax have a habit of producing application forms that they claim to be CCA's, so best let the member on here have a look and tear it to shreds.

:grin:

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Right blonde moment..it has been so long since I have done this! HOW do I upload the document again PLEASE!!!

 

Do a quick search, there is an FAQ here on the site for details on uploading. You can scan & jpg to Flickr if you have an account.

 

My opinion on this one, having just filed against Halifax for 1800 quid, is that BOS are blowing smoke out of their A$#%:)

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OK I have just spent a good hour scanning & photobucketing so hopefully this will work. Thanks for the advice.

 

The agreement is 11 pages long. I will upload the 1st 3 pages as these pages have the most important information on it. The 1st page has key financial information on it BUT the TC's that where attached also have key financial information BUT it was completely different plus the name and address used was spelt wrong. The 2nd page did have my son's signature on it but I have erased it BUT you will see there is no bank signature.

 

Any help would be appreciated.

Edited by greendykes
removed form as it had account number on
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Thi spage doesn't count for much, it's just an application form and would not hold any weigh tin court. It simply shows that a card was applied for, it doens't signify that and agreement was entered into.

 

If your son has signed seperate pages, these will be the signifcant ones, as these may actually form part of the CCA. The group woul dneed to see these.

 

When was the form signed (Date?)

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As for the staples on the top corner. Yes it actually looks like the 2 page application form has been unstapled and then restapled to the 8 page document TC's. It is also interesting that the apr is different on the 2 page application and the 8 page document plus the bank charges had changed from 25.00 to 12.00, me think they have been trying to cover their mistakes. Also my son's name and address was spelt wrong on the 8 page document.

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As for the staples on the top corner. Yes it actually looks like the 2 page application form has been unstapled and then restapled to the 8 page document TC's. It is also interesting that the apr is different on the 2 page application and the 8 page document plus the bank charges had changed from 25.00 to 12.00, me think they have been trying to cover their mistakes. Also my son's name and address was spelt wrong on the 8 page document.

 

The 8 page doc. has just been put together since we took out the cards - mine features my current address not my the address 4 years ago.It just demonstrates what we should have been given.

 

Not sure about your second form as it is more detailed than mine.

 

I'm not experienced enough to say if it has all the prescribed terms or not.

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Thanks for advice ThChancellor. I agree that the 8 page is just an add on, the 2 page document is missing the signature from the bank. What gets me is that they attached the 8 page document with all the different information surely that is just showing that they knew they had to cover their tracks...not very good I may add lol!

 

What do do next is the question?

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Correct me if I'm wrong but doesn't a contract require a signature from both parties otherwise it is not a proper contract ? End of story. If they don't have their signature on surely the "contract" is null and void? It certainly would be if yours wasn't on! So if theirs isn't on....no contract in my humble, honest opinion. Am I missing something?£*!!

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  • 3 weeks later...

Update, received letter from Senior Customer Relations Manager.

 

Quote

 

Whilst I am sorry that you clearly remain unhappy, there is little I can add to what is contained in my letters dated 7th March and 15th Aug. I acknowledge and decline your request for written communication only. We would only consider written communication only when the customer is co-operative and in regular dialogue with us regarding their account. As we have received no payments from you since £1.00 was received on the 4th Oct 2007. I do not accept that you are being co-operative. You correspondecne only relates to your complaint, therefore I cannot agree that you are in regular dialogue regarding your account.

 

My letter dated 7th march represented our final response to your complaint. This letter contained referral rights for the Financial Ombudsman Service and provided a period of 6 months for you to contact them regarding your concerns. Please be aware that any future correspondence regarding the same issues may not receive a reponse.

 

Interesting to say the least

Point 1. the £1.00 payment was actually sent for the CCA

Pont 2. Why would I discuss anything else with them until they sort my complaint out?

Point 3. I have never been told by a bank they don't want to talk to me again!!

 

I am in the process of writing a reponse..any comments would be appreciated.

 

I will try and upload the letter he refers too, tomorrow.

 

Oh I am a 1st time Granny..hence I disappeared for a wee while.

Edited by greendykes
spelling mistakes
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Hi Gran

 

So. If you previously stated that you believed a CCA should have signatures from both parties on and they have failed to comment on this, could it be worth for the record airing your serious and grave concerns about this to them and ask them again to clarify the matter?!!! Perhaps ask them where it says and in what legislation that a signature has to be provided by one party and not the other?!!! Send it recorded so that at some future date if they fail to reply you have their answer (silence) for the record.... And perhaps let them know that if they can't tell you, you will take their advice and report your correspondence to those they have advised you to go to and see what they have to say!!!

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  • 4 weeks later...

hello greendykes

 

how are you hope you are okay,,,how you doing on this had any responce as im now in battle with them

 

are you able to give us an update pls

 

hope its good news for you ciao 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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