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

[millymollymoo]

Thankyou Angel XXX

 

Milly XX

[angel_1]

hey milly

 

on a lighter note, ive only found out that i can sort out my threads into different files tonite,,,i can put all the ones for a particular creditor into one file,,,yipee, so simple i hadnt come across it before so my 600 plus threads ive saved can be put into some kind of simple order

 

anyway you keep your spirits high and take care

 

off to bed in a bit catch up tomorrow okay

laters angel x:)

[underdog13]

Hi MMM,

I'm so sorry for your loss - all of us who have lost beloved pets know exactly how you feel. Heartfelt sympathies. Try to take some comfort in the fact you gave Fifi a wonderful life.

 

Kindest regards.

[lexis200]

Hey Milly

 

Keep your chin up. I remember the feeling when my gorgeous lurcher was put down some years ago, so big hugs to you now when you're feeling so low.

 

Lexis xx

[freedomexpression]

chin up, they aren't with us for long but we get attached to them!

 

by the way, halifax gave me a month to respond to their default notice before the account was closed and they have done it within the week instead of giving me the full month, another breach of duty of care?

[lexis200]

I didn't think they could take action shown on a default notice until the date of remedy was passed?

[cleo4patra]

Cleo here - I received a default and termination notice in SAME POST!!! Also date for remedy was four days past!!

[lexis200]

Jeez, they're such a professional company aren't they:rolleyes:

 

And I do like the way they adhere completely to the Banking Code, the OFT guidelines and the CPUTR's:p

[freedomexpression]

can i get them for not adhering to this month deadline?

[underdog13]

Jeez, they're such a professional company aren't they:rolleyes:

 

And I do like the way they adhere completely to the Banking Code, the OFT guidelines and the CPUTR's

 

All the better for us, in a way - no shortage of ammunition to hurl at them;) If they ever become efficient, I might get worried:p

[millymollymoo]

I didn't think they could take action shown on a default notice until the date of remedy was passed?

 

 

absolutely correct there Lexis! I will later copy an extract from a brand new book I have on Consumer Law and Practice written by Geoffrey Woodruffe who is a solicitir, Former Professor and director of the Centre for Consumer and Commercial Law research at brunel University and a Solicitor Robert lowe. This book is published by Sweet and Maxwell.{so pretty sound advice there!]

 

It specifically states that the 14 days MUST also take into account and make an allowance for the days of service. So absolutely invalid if sent on the first day of the 14 days allowed. I have to go as I am popping round my mums with the kids.

 

Milly XX

Edited February 27, 2009 by millymollymoo
OMG I wrote pooing instead of popping!!!!

[lexis200]

I have to go as I am popping round my mums with the kids.

 

I have to go to my mums to get the kids:D Aren't mums great:D:D

[underdog13]

They are indeed:)

[millymollymoo]

phone log:

 

24th feb

9.49am

2.45pm

5.02pm

5.33pm

6.28pm

6.58pm

7.51pm

8.42pm

 

{note this is the day my little doggy died!] barstewards they will pay big time for this! I have reported them to OFCOM.

 

25th feb

11.41am

5.08pm

5.39pm

8.38pm

 

 

26th feb

8.12am

8.44am

5.07pm

5.38pm

7.50pm

8.22pm

 

 

 

104 calls todate!

 

27 feb

8.08am

8.43am

[Desperate Daniella]

Milly,

 

I am so, so sorry you have lost Fifi. Our animals are our family. I have always had cats and when I have lost one I have cried and cried for days.

 

Big hug.

 

Daniella

[millymollymoo]

Hey thank you daniella XX. She was my little girl and I miss her so much:( I too have cats [3] and another little dog {pom} called mimi and she misses fifi too. I just want her back...

 

Milly X

[lexis200]

MMM - I'm about to send BOS an invoice for all calls received, whether they are answered or not.

 

I sent them this in January...

 

In addition to this, since the 9th December 2008 we have had at least 16 phone calls from your company. When we have not been in, silent messages are picked up on our answer phone. When we have picked up, the calls have been silent. If either my partner or I have actually spoken to anyone, they have been told to write as I will not discuss financial matters over the phone. On the 13th January alone, I have had 5 calls from your agents which went as follows:

 

1) 9.19am – call too noisy to hear so I had to hang up.

2) 10.50am – call to my mobile. Caller advised to remove this number from your list as it is used for work

3) 1.26pm – call to my mobile. Caller advised as above, and told everything must be in writing

4) 4.41pm – call to home phone which my partner answered. ‘Simon’ started off by refusing to give his name, then went on to tell my partner that our number was generated by a computer, despite you previously being told not to call. It was suggested by my partner that the number should be removed to save further need for a harassment complaint.

5) 6pm – call to home phone which my partner answered. ‘Rachel’ also reluctant to give a name. She was informed that this was the 5th call today, and the 4th time they have been told not to phone. Rachel informed my partner she would call back later. Please be aware, if anyone by that name does call, I will be making a harassment complaint about her personally.

 

I would be interested to know why my legal request to be contacted only in writing is being ignored, and why your agents appear to be so poorly trained that they try to refuse to give their names?

 

On the 14th January at 9.14am my partner had another call, this time from ‘Aoiisha’ and again had to state that everything must be in writing, and that you had been told this on many occasions. My partner was told that calls would be held for 10 days, but would start again after that.

 

I am now advising you that I will give you 2 days from receiving this letter (which I will be able to track by Recorded delivery) to remove my numbers from your calling strategies. If I have a call from you after this, I will not only be reporting your company to OFCOM and Trading Standards for your appalling business practice and harassment, but I will also be charging you £5 for every phone call made, regardless of whether it is picked up or not.

 

I am doing this as my phone is my property, and you have been repeatedly informed not to use it, be it mobile or landline. You are required to stop phoning when a customer requests it as long as communication channels are kept open. I am willing to correspond via letter, and have told you this many times.

 

It quite clearly states my intentions, so now I am about to bill them. I realise your harassment is considerably worse than ours, so why not give it a go. Send something similar to the above, then when they ignore it send an invoice along with a covering letter.

 

As I mentioned in my letter of the 23rd January, your debt collection practices have become dubious at best. Despite my written requirement for all communication to be in writing, and giving you ample time to implement this, I am still receiving phone calls and text messages to both my home and mobile phones. I have copied the relevant paragraph from my letter below, for your convenience.

 

I am now advising you that I will give you 2 days from receiving this letter (which I will be able to track by Recorded delivery) to remove my numbers from your calling strategies. If I have a call from you after this, I will not only be reporting your company to OFCOM and Trading Standards for your appalling business practice and harassment, but I will also be charging you £5 for every phone call made, regardless of whether it is picked up or not.

 

As per my last letter, I have noted these and have enclosed an invoice for the calls and text messages I have received so far since the 29th January (giving two clear days after you received my letter, signed for on the 26th January), further phone calls or text messages will also be invoiced. I will require payment within 14 days, or your reasons for non-payment, given that you had ample warning of my intentions. Until you show me a signed agreement, there is no contract which allows you to contact me by phone, so I re-iterate that this is un-acceptable and must cease.

 

Obviously I don't honestly believe they'll pay, but the fact is they have been clearly told what will happen if they don't stop phoning, but they have not stopped. Therefore, I am entitled to invoice them accordingly as they did not argue this point as unfair. With the amount they are phoning you I think I'd be willing to spend a few quid and get a proper letter drawn up by a solicitor so that they'd have to abide by it!

 

I'll let you know if I get a response:D

 

Lexis:) x

[underdog13]

I love it!!! That is positively inspired, Lexis:)

Edited March 1, 2009 by underdog13
typo

[millymollymoo]

Lexis love it!!!!!!:lol::lol:

[cleo4patra]

Wow!!

[millymollymoo]

Call update:

 

28th feb

9.48am

10.20am

 

2nd march

8.05am

8.37am

5.38pm

6.08pm

8.33pm

 

Ok had some interesting info turn up today from my letter to s.a.r dept asking for further info. {wanted to keep quiet till i receive this!!}

 

And all good so far. I have enough now as to the 'credit agreement' being totaly unenforceable. Just to ,let you know what was sent and posted earlier in this thread was as I said recreated rubbish and inaccurate at that!!!! The 'actual' signed agreement that I got from the S.A.R has absolutely NO prescribed terms whatsover and is basically a consumer credit agreement that ONLY allows them process my data under the Data Protection Act and about Card Protection. That is it and is signed by me and them now and proof in black and white that card services have confirmed that there is nothing else to send as NOTHING is printed on the reverse as I asked for confirmation, this is what it says:

 

'Card Services have confirmed that there is no further information on the reverse of your agreements and that your agreement is held on microfiche.'

 

\\\\so now they cannot take that back.:lol:

 

Also have received some confidential emails between Yvonne sneddon, {me thinks they would NOT of really liked me to see these, CONFIRMS AGREEMENT WAS TERMINATED!!!!!!! and contradicts the letter that said my ACCOUINT REMAINED OPEN!!!

 

 

Oh and NO DEFAULT NOTICE as confirmed that ONLY A blank template {unpersonalised!} could be sent.

 

 

milly XX

[angel_1]

HIYA GUYS,

 

that is ffaaaaaaaaaaaaaaabbbb news, you see we all did know this all along

 

wow, go girl,,,,

 

well milly had some guy knocking on the door, bos did sent someone but i spoke through the door and told him to speak with bos as id written to them and account was in dispute, nothing more and didnt open the door only, he can take what he heard and bog off

 

i will see what next happens,,,i felt so empowered, that we shall see if they take court action which really i think its heading there, but with our dns and me no actuall cca only terms, bring it on

 

am awiating on sars and once 40days is up, ico will be informed.

 

just sharing my shocking moment,,im much calmer now it was horrible to think if id dint know what i know now would be a crumpled up mess

 

laters all angel x

[millymollymoo]

Hiya Angel:)

 

I just had a vision of you peeking through the letterbox !! {realise though you spoke through the door.Seriously though who the h*ll do day think they are. If they send someone round mine I would of be tempted to squirt something at him!

 

See how strong you have become. Proud of ya XXXXX

 

Milly XXX

[cleo4patra]

Hi MMM - wow!!! How did you get copies of the e-mails?? I am in same position - they deny account is terminated - yet they have put it in writing twice!!!

 

I have had same letter from Yvonne Sneddon saying ">>>> do not agree account is terminated..." they now also say that there are no historic terms and conditions available.

 

I would be interested to know what you requested as further information to your SAR - I have had my SAR but nothing on it about termination - any ideas please. - cleo

[lexis200]

Excellent MMM. Now how much trouble are they in for saying what they had sent you was a true copy, and then showing categorically that it was doctored to make you think it was something it wasn't???? Hang on, I've got a bit of a cough coming on...>FRAUD>

 

And then there's the terminated/not terminated bit, the aim of which is to mislead you for their financial gain. Damn it, it's coming back...>FRAUD>

 

Tsk tsk. I say we put them on the naughty step:lol: