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    • Yes - ignore. Because of another MET victim today I looked at all our MET cases back to June 2014 ... yes, 10 years. They have never dared take a motorist to court and argue their case before a judge.  They have started the odd court case, but as a means of trying to intimidate the motorist into coughing up, when the motorist defended and refused to give in it was MET who bottled it and discontinued.
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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
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Just Recieved A Signed Capital One Agreement


sunflower99
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Hi Proliant,

 

That is almost the same as they sent me, but my signature box has less stuff in it. I can't read it all, but is there any reference to their address in your signature box -or anywhere else on that piece of paper? - there isn't in mine.

 

Yours is only the second one I have seen like this. Everyone else was getting T & Cs which were apparently on the back of their original agreements, and you just wouldn't believe it - all the copies had creases in exactly the same place!!! Must be the folding machine :rolleyes:

 

I have now written three letters - one to capone and two debitas pointing out this is not a credit agreement, and spoken to countless idiots from the call centre too. Not certain what I am going to do next.

 

DD

Hi Desperate Daniella!

going by other peoples crap one experiences! It seems a complete waste of time speaking to their call centre staff!They do not know anything apart from reading from a script.The only other thing you could do is do what Version is thinking of doing and ask to speak to Ellie?:eek:it seems that all you can do is just send out the letters pointing out that you consider account in dispute and asking to see original so that if it gets taken further you can tell all the DCAs or court when and if it goes that far that you have put account in dispute have doubts about their alleged CCA and that you can tell judge if it goes that far you have taken reasonable steps to view original to save court time!if it does go that far!:D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Sunflower,

 

I am just mystified why Proliant and I just got the top of the form and the signature box. Clearly they were sending out these dodgy 'backs' of the agreement to you and so many other people, and maybe they are now realizing people are catching on and so they have decided this is a bit risky. They could get CAUGHT :eek: As soon as you or anyone else can actually get there to see your agreement and the prescribed terms aren't actually on the back they have been caught.

 

I do think if anyone actually gets an appointment with Ellie they must take a digital camera and take a photo - you know, a nice one with both people smiling for the camera.:D

 

My last long letter quoted the Act, the Regulations, and the fact that while it is in dispute they can't charge interest, sell it on, and must stop demanding payment, and maybe they could pass this on to their call centre staff who should start actually learning about the CCA 1974.

 

Needless to say I expect the next letter in about a fortnight.

 

DD

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I am just mystified why Proliant and I just got the top of the form and the signature box.

 

As far as I am aware they have been doing that on and off for some time.

 

They are fully aware that most of their older agreements are junk but I think the idea is to cast doubt and that they might have a goer.

 

Doesn't really comply with Sec 77/78 but their view is obviously, "What are you going to do about anyway".

 

David

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And our view is " I'm not paying you a penney unless you send me a true copy of a credit agreement - so what are YOU going to do about that!":D

well said!:D:D:D:D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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ooooh! ive just noticed ive been promoted to being a platinum customer!LOL I did not realise ive posted that much on here!:D

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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hi i forgot I had a letter adding another £12 charge on sat. I was going to reply with the std "you cant as its in dispute" but thought I would have some fun instead. heres my reply off in post 2moro.

 

Dear Sir/Madam

 

Thank you for your letter dated 3/2/9. (copy enclosed).

 

It is unfortunate for you that this account is in dispute and therefore your letter is irrelevant and against the guidelines of the OFT on debt collection, not that capitalone have ever taken any notice.

 

I am still awaiting a reply to my letter dated 2/2/9.

 

This is my final response on this matter.

 

I am not in a position to enclose my complaints procedure as I do not entertain to complaints, similar to yourselves.

Unfortunately you cannot complain to the Financial ombudsman service either as I am not apart of their service.

 

As always I will only communicate in writing, attempting to phone will automatically enter your number into my exclusive "BT choose to refuse" list where a place is always available for such prestigeous creditor.

 

Yours faithfully

 

:D

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Just my point of view but I feel it's not a good idea to be flippant in matters that might, for whatever reason, end in litigation. A judge wouldn't see it as particularly funny and it's best to stick to enforcing your legal rights when dealing with DCAs or banks in letters.

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hi pinky69, you are right. I shouldnt really and wouldnt advocate anyone else doing it. I was trying to make a point that if they can get away with anything I could get away with being sarcastic. Even if they take and win in court they will still lose as I have 0 assets. My total belongings consist of 1 computer worth 100quid, a phone worth a fiver and my clothes. If you seen the state of them then many would say they are worth nothing :D. Thats it ! and i can never see it changing. Ive been a carer day and night since as long as I can remember and they wont get me down as i have better things to think about. Sorry for rambling and talking on sunflowers thread my applogies.

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Hello

 

 

Just recieved a requested cca from capital one, what they have sent is

 

the capital one reply card were i entered to my info etc to appy for card

 

there is a section at bottom saying this is a credit agreement, sign if you want to be bound etc

which i did sign as this was a reply card.

 

what is my next move.

 

 

thanks

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Hello

 

 

Just recieved a requested cca from capital one, what they have sent is

 

the capital one reply card were i entered to my info etc to appy for card

 

there is a section at bottom saying this is a credit agreement, sign if you want to be bound etc

which i did sign as this was a reply card.

 

what is my next move.

 

 

thanks

 

Start a new thread and scan and post up the document ensuring any personal info is blanked out. Photobucket seems to be the preferred storage vehicle for CCA responses :D

 

Someone will then see it and comment

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hi pinky69, you are right. I shouldnt really and wouldnt advocate anyone else doing it. I was trying to make a point that if they can get away with anything I could get away with being sarcastic. Even if they take and win in court they will still lose as I have 0 assets. My total belongings consist of 1 computer worth 100quid, a phone worth a fiver and my clothes. If you seen the state of them then many would say they are worth nothing :D. Thats it ! and i can never see it changing. Ive been a carer day and night since as long as I can remember and they wont get me down as i have better things to think about. Sorry for rambling and talking on sunflowers thread my applogies.

Hi Version!

Please dont worry and please keep posting on my thread!! I love your posts and sense of humour!I think it is so important to keep a snse of humour in this fight against these rotten DCAs! Oh dear i just said rotten ! Hope i dont get cagbooted again!:eek: Please Dont stop! your humerous posts!They cheer cheer me up ! and keep our morale up! :)Luv from sunflowerx

Edited by sunflower99
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Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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keel close

 

I am very happy to tell you that from what i can see it is unenforcable but can u post up the bottom part on its own as i cant read that.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I cant see any prescribed terms on it which makes it hopeful it is not enforceable!:D,I take it they did not send anything else just this form?

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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I cant see any prescribed terms on it which makes it hopeful it is not enforceable!:D,I take it they did not send anything else just this form?

and it is a pre 2006 alleged CCA! so the prescribed terms have to be on same page either on same side or overleaf.

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Dear Sir / Madam

 

Account No: $$$$$$$$$$$$$$$$$$

 

Thank you for your letter of 10 April 2008.

 

The information that you supplied however does not comply with a legal request for a true, signed copy of my Consumer Credit Agreement under the Consumer Credit Act, 1974.

 

To date, all that you have supplied is an Application Form with most of the data apparently missing; there are no terms and conditions and as it stands this document is legally unenforceable.

 

What I Require:

 

I require that you send me a true copy of the executed agreement as required by the Consumer Credit Act 1974. If you are unable to supply the requested documentation because no such agreement exists then I require written confirmation of this.

 

I require that you comply with my request within 7 days of the date of this letter.

 

I will not correspond any further with you until I receive a copy of the requested documents as laid down in section 78(1) CCA 74.

 

I am advised that should you persist in pursuing this alleged debt ignoring the above information you will be in breach of the Administration of Justice Act 1970 section 40.

 

I would appreciate your due diligence in this matter and I look forward to hearing from you in writing.

If you do not understand any of the contents of this letter you should consult a qualified solicitor

 

Yours faithfully

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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Hi Keelclose!

you could send Crapital One the letter in my above post! as next move!

Im happy to help with support and my own opinions but as i have no legal qualifications 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,

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