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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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olliepup

Natwest/rbs/triton mint creditcard debt

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the defence depends on on the individual circumstances but yes- you MUST defend or they will get judgement in default

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Well got a letter today!

 

Not from Regal but from ScotCall Debt Collecting Services for the same debt, so looks like Regal are out of the running.

 

This must be the 5th DCA on this debt now.

 

Basically this one says contact them immediately as failiure to pay will result in it being passed onto their field reps for a doorstep call to make arrangements to pay this debt!

 

Should i send them the bemused letter?

 

Or should i just type what im thinking and tell them to clear off and don't bother calling here to try and collect money when they have no legal right too with out a valid CCA?

 

Anybody had dealings with this Scotcall?

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You can send scotcall the bemused letter but also add in the doorstep bit. I sent them that and I never heard another word, and no-one turned up either. :)

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

 

 

 

 

Advice & opinions given by patrickq1 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

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Hi all,

 

I had a debt with mint that i was paying monthly but they decided to pass it over to Triton, i CCA'd them which they passed onto RBS.

 

Had a CCA reply from RBS but basically what they have sent looks to be a signed application form, it say Please complete your application form by answering all questions below in block capitals.

 

Please note that your application maybe delayed if all questions are not answered.

 

Credit agreement regulated by credit consumer act 1974.

 

After that its just all the questions ive answered and my signature and date at the bottom, but this is just an application form not a valid agreement??

 

I had a similar thing from Natwest which i keep telling them its in dispute every 6 months or so.

 

Then there is a copy of some interest rates on another sheet saying this was on the back of my application, then there is a sheet with terms and conditions and a copy of a credit agreement which has no signature at all.

 

Is it just a case of me replying saying this is not a true valid agreement and the account is in dispute?

 

Cheers Olliepup.

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Got a letter back from Triton saying they are passing it back to original creditor, now Moorcroft have taken it up, its still in dispute and still no CCA just application form.

 

Should i write back and inform them or just ignore?

 

Olliepup.

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can you give us the history please

 

pers i would not rely on any 'paperwork' errors where a financial relationship does exist.

 

dx


..

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Hi Dx,

 

Basically i had a Mint credit card which i could not keep up the payments on, so i defaulted it prob 3/4 years ago.

 

I was paying them 25 quid a month which they were happy with then they passed it onto Triton for collection.

 

I CCA'd them and some time later i got a card application form i had filled out as a credit agreement.

 

I wrote back stating this and said this was not a original true copy, didn't hear anything for ages then Triton wrote back and said they are no longer dealing with it.

 

Today i got a letter from Moorcroft saying they want payment within 7 days etc and i should make an agreement with them by the 11th or i'm up for the chop!

 

Thats about it really, total debt is now 1950 quid.

 

What do you reckon??

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pers i think its about time you ignored everyone

 

you are on a phishing list

 

ever thought of reclaiming?

 

i have also merged many thread all on the same debt dating back to 2008

please keep to one thread per debt

 

also tidied your other threads on other debts like wise

 

dx


..

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Hi All!

 

I have an outstanding Credit card debt which was originally a Mint/RBS debt.

 

Once defaulted they started to pursue and i CCA'D them which they sent an application form back which i had signed but no true agreement, this was back in December 2010.

 

Wescot wrote harrassing as usual and i sent them the Bemused letter as it's in serious dispute.

 

They wrote back saying it's on hold while they investigate.

 

Today i received a letter saying that RBS complied with my request back in Dec 2010 and if i want to CCA them to send another quid to an RBS address, they will put my account on hold for 14 days.

 

Is there a letter to send wescot for this situation or should i just write and say this account is in dispute as they produced an application form not a true signed agreement and if wescot try to collect the debt i will report them to OFT etc??

 

Any advice would be welcomed.

 

Olliepup

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olliepup Hi,this is happening more and more,suggest you have a read of PriorityOne thread on CUPTR 2008 he has also produced a letter to send, when an application form is sent in response to CCA 1974 purporting to be the agreement.

 

Regards FS

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Yes this does show on my file, should i go the CPUTR (sp) route or just say no valid CCA bog off and take my chances or make a Pro rata offer?

 

What do you folks think?

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please keep to ONE THREAD PER Debt

 

yet again you've started a new thread for a debt that is already has one.

 

if you've not paid anything on this debt since you first posted in 2008 and no-one has actually issued any court claim

 

i'd seriously think its about time you put this to bed and ignored all the phishing letters?

 

re post 159 i made in april on the same subject!

 

dx


..

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Hi again,

 

Im sure im right thread, the original mint card debt, anyway Wescot are supposedly passing this over to Nelson Guest & Partners solicitors.

 

Has anyone had any dealings?

 

Are they in house?

 

It says whilst wescot is still willing to consider realistic options for repayment based on my circumstances this matter cannot remain outstanding any longer.

 

Unless full payment is made or plan agreed within 10 days firther recovery activity will be undertaken.

 

Then suggests i could pay by credit card! as if i've got one of those!

 

Phishing trip or are these lot realistic?

 

Many thanks

 

Olliepup

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i would of liked to have thought you

can spot these on your own now after 250 posts!

 

dx


..

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Cheers dx your prob right, just looking for reasurrance really as i'd not heard of these so called solicitors and sometimes wobbles me when i see the word SOLICITORS, im sure there are many others like it.

 

I better just man up :)

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You will keep getting these letters until it is SB,and most likely some after trying their luck. If Natwest/RBS thought they had a good case against you they would have taken you to court years ago.So just sit tight enjoy christmas and chill.

Cat

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Cheers cat!

 

Had the door step collection letter today, i'll just ignore but it gives the wife the jitters, but like you say if they thought they would secure in court they would by now!?

 

Olliepup

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