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Bank of Scotland terminated without default notice and without claiming full balance, Blair, Oliver Scott DCA


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Funny how they always refuse to discuss it any further, when they run out of excuses, sorry, answers;)

 

 

I agree but I seriously do not think she knows what I have been sent as when I rang Bank of scot on tuesday to chase up my reply. They asked if I would speak to her and i said fine and the silly billy said I suggest you get legal representation:rolleyes: and I said i have and am happy to defend

 

She didnt want to talk then............

 

milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi lexis:)

 

many thanks for your help. I had to get a new laptop today as the blerdy screen went tuesday night:-x

 

The one thing concerning the agreement. I did manage to get the signed original through my DSAR, which was the one without ANY prescribed terms and confirmed that nothing was on the reverse and was nowt like the one they tried to pass off in the s.78 request.

 

So how should I rephrase the letter?

 

 

Milly XX

I'll have a look over the weekend if I can Milly - can't promise though I'm afraid as it's my sons 8th birthday party on Sunday and I have to make a Pokemon cake before his friend comes for a sleepover on Saturday afternoon:rolleyes: I hate Pokemon.

 

Erm middle of March I think.. Lexis, you did pm me to say congrats you know :confused::lol::lol:

 

Did I?? God, that's a bit worrying...

 

I wonder what else I've said?

 

Well anyway, thanks to my apparently impending senility, you can have another congratulations:D

 

Lexis:)

Time flies like an arrow...

Fruit flies like a banana.

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I'll have a look over the weekend if I can Milly - can't promise though I'm afraid as it's my sons 8th birthday party on Sunday and I have to make a Pokemon cake before his friend comes for a sleepover on Saturday afternoon:rolleyes: I hate Pokemon.

 

 

 

Did I?? God, that's a bit worrying...

 

I wonder what else I've said?

 

Well anyway, thanks to my apparently impending senility, you can have another congratulations:D

 

Lexis:)

 

 

 

Hi lexis, Its sorted do not worry:) I am sending one to BOS and one to Blair Witch. Probably not necessary but covering both cos Blair witch are getting on my nerves.

 

i am addressing the BOS letter to pitreavie address. Hope thats okayalthough will filture through I am sure to the right department.

 

 

I hope your cake turns out ok. well impressed so you must be good!

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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P.S I have added a bit requesting confirmation that the account has not been securitised and that this must be notarised and then counter signed by the company secretary.;)

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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P.S I have added a bit requesting confirmation that the account has not been securitised and that this must be notarised and then counter signed by the company secretary.;)

 

Milly XX

 

Nice touch - I wonder if they'll deign to answer it?:)

Time flies like an arrow...

Fruit flies like a banana.

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Nice touch - I wonder if they'll deign to answer it?:)

 

 

I doubt they will entertain me at all:rolleyes: however all looks good then;-)

 

I bet they think here, here now whats going on here then. Mind you i doubt they will even read it properly judged by the silly twerp who answered my last letter:rolleyes:

 

I forgot though bank of scotland are unique arent they and above the law!

 

Milly XXXX

 

 

Reference to remember: http://www.consumeractiongroup.co.uk/forum/show-post/post-2085599.html

 

 

This is good to remember regarding s.189(4)

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html#post2086981

Edited by millymollymoo

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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I doubt they will entertain me at all:rolleyes: however all looks good then;-)

 

I bet they think here, here now whats going on here then. Mind you i doubt they will even read it properly judged by the silly twerp who answered my last letter:rolleyes:

 

I forgot though bank of scotland are unique arent they and above the law!

 

Milly XXXX

 

 

Reference to remember: http://www.consumeractiongroup.co.uk/forum/show-post/post-2085599.html

Hi all - the left hand does not know what the right hand is doing in BOS.

 

I have written disputing their claim that greement has NOT been terminated when it clearly HAS.

 

I am awaiting their response.

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Hi all - the left hand does not know what the right hand is doing in BOS.

 

I have written disputing their claim that greement has NOT been terminated when it clearly HAS.

 

I am awaiting their response.

 

Hello Cleo:)

 

As the lovely Yvonne said. We do not make errors:lol::lol::lol::lol:!!!

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hello Cleo:)

 

As the lovely Yvonne said. We do not make errors:lol::lol::lol::lol:!!!

 

Milly XX

 

I'd love to see them explain this away then!

 

So BoS, did you make a mistake in telling me my account was still live?

NO

Right, so did you make a mistake in sending me TWO termination letters.

Yeahbutnobutyeahbut...

Time flies like an arrow...

Fruit flies like a banana.

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I'd love to see them explain this away then!

 

So BoS, did you make a mistake in telling me my account was still live?

NO

Right, so did you make a mistake in sending me TWO termination letters.

Yeahbutnobutyeahbut...

 

 

:lol::lol::lol:!

 

cuckoo!

 

Milly xXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Do you know what i found today. {deleted)[at least Louise Bunker got that right!!!!]

 

{nosy BOS!!!]

 

milly XX

Edited by millymollymoo

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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How fantastic is that?

 

Can't wait to hear what they say now. :)

 

DD

 

 

Hi daniella:)

 

However, I can HONESTLY answer the judge and say that I never used the card ., so I did not execute it by use of the card, my :lol:

Edited by millymollymoo

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi all!

 

I have just posted this up on another thread. The PRESCRIBED TERMS must be on the signature side NOT the reverse.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162635-problems-halifax-7.html#post2090288

 

Milly XX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi MMM - they have been calling my phone - moening and night.

 

I am still awaiting response to my letter

 

 

Oh Cleo :mad:I have Choose to Refuse as they did that to me as you know. \its worth the extra on my bill.

 

Keep your chin up hun.

 

 

Milly XXX

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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hiya all

 

and especially to cleo, i totally understand what you must be going through, i wish i can win some money and i would send you a truecall device because i dont you and neither want others to suffer like you are now and what i had,

 

keep chin up take care laters all angel x

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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Hi and thanks - had a letter from Yvonne Sneddon - saying no-one will call at my home but letters and calls will continue. As far ar BOS are concerned the account is NOT in dispute - no mention of TERMINATION.???

have now received letter from IQOR - debt has been passed to them for recovery of full balance - threatening court action - I think I will write back and CCA them??

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have now received letter from IQOR - debt has been passed to them for recovery of full balance - threatening court action - I think I will write back and CCA them??

 

Cleo, if you have CCA'd BOS, then really there is little point in wasting another £1.00 on IQOR.

 

When you say they are threating court action. How have they phrased it ? May, Will, Considering.. ??

 

It is best just to write to them advising there is a dispute with BOS in which they are in default of of your CCA request. :)

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Soz Cleo for not answering you. I have been busy elsewhere on here getting into all sorts of trouble havent I Citizen;):D!

 

 

Just to let you know the Blair Witch CPR letter was signed for at the registered Arrol way address by HBOS:lol: Oh they really should try harder!

 

Also the copy was sent to BOS and that also was signed for both on the 6th April.

 

Will they reply to the CPR, me doubts it, especially the securitisation bit I put in there.

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Thanks Citizen B - I am so frustrated - they are processing the account, adding charges and interest, the agreement has clearly been terminated.

I wrote asking them to produce a "new" agreement for the reinstated account as it has clearly been reinstated - response - IQOR.

 

They have written MAY result in ...... action

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Soz Cleo for not answering you. I have been busy elsewhere on here getting into all sorts of trouble havent I Citizen;):D!

 

Oh yes :D:D

 

 

Just to let you know the Blair Witch CPR letter was signed for at the registered Arrol way address by HBOS:lol: Oh they really should try harder!

 

Also the copy was sent to BOS and that also was signed for both on the 6th April.

 

Will they reply to the CPR, me doubts it, especially the securitisation bit I put in there.

 

 

They are probably trying to work out what parts of their templated letters will be suitably confusing :D:D

 

Cleo, sorry, do you have your own thread on this and is it up to date. If so, can you put a link here for me and I will have a bit of a think on what to do next:)

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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