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    • I think I know the answer , but We booked our dog into boarding kennels for our holiday , starting Tuesday 16 Unfortunately about 2 weeks ago the dog picked up a parasite called giardia .this causes soft stools etc . The vet gave us the treatment and said the dog “should “ be ok in time for the boarding .A side effect of the treatment is that the dog has still has soft stools , similar the those when the parasite is present We messaged the kennel Friday , explaining the situation , also topping up the final payment , It appears the kennel did not receive the message , so we spoke yesterday ( Monday ) They were unsure as to whether the dog should be accepted . over night they massaged us and cancelled the booking , we do have a plan “B” this involves our daughter moving  back home for a week . Their T&Cs are quite tight , regarding cancelation by the client , But in this case they cancelled , have I got a hope of getting a refund , less , say , a admin charge , over £300 fees have been paid for 10 days boarding We do have "Pet Plan" Insurance Extract from T&Cs     “You agree that if you do not arrive on the start date of your booking, you will be liable for the full payment per day. You agree that should you return from holiday early and decide to collect your dog before the end of your booking, you will not be entitled to any refund of payment. In the unlikely event of illness or other circumstances resulting in a reduced stay with us, the total booking fee is still due and you will not be entitled to a refund or part refund. You agree that if you cancel giving less than 14 days notice the total fee is due. You agree that if you cancel your booking you will lose your full deposit. If you bring less dogs than are booked, you are still responsible for the balance due. “
    • The SD is dead, when  I applied to have it set aside a copy was sent to by the court to Credit Agricole the debt owner,  it was part of my appeal that Credil Limits were not authorised to make the application. Credit Limits then withdrew the application. As far as I am aware Credit Agricole did not respond. Creditl Limits came back to me ignoring the grounds of appeal see letter 15/4. They refer to statute barred, the loan was for double glazing it was not part of the mortgage so I still contend that the 5 year rule applies.   I did not contest the original French court order but before the hearing  I wrote to Credit Agricole offering to pay over a long period of time as the home in France was about to be repossessed by the mortgage bank (and it was). Credit Agricole did not reply to my letters. The original judgement had the following 'Since immediate enforcement is not a necessity, it shall not be ordered.'   See compliments slip below purported to be from Credit Agricole, undated and unsigned, this is probably in response to my appeal when I said that I had nothing from Credit Agricole suggesting that CLI were agents. I am not convinced that this is genuine, CLI have had plenty of opportunity to produce this since they were 'appointed'  in 2018!   Can CLI represent Credit Agricole here in the UK as they are debt collectors and as far as I can see are  not registered with the FSA?   Thanks again   comps.pdf letter.pdf
    • thanks fk and bank fodder, yes I know been here awhile I just needed bit advice, seems this company have a habit of taking peoples money!   I can not record phone calls so will go bank ty xx
    • https://www.identityreport.co.uk/   https://uk.trustpilot.com/review/identityreport.co.uk   Bite them hard Sandy... ^_^
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lollipop73

Lollipop VS EGG

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I got a letter this morning telling me that they cannot act upon my request because I have not signed the letter.

 

I did not sign the credit agreement request either and have sent a secure message asking them about why they sent one and not the other, so still waiting.

 

As you know the letter also included my account in dispute claim, perhaps that is the diofference-they want time to default the account.

 

Can they do this legally?

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Or rather more to my point, are they trying to have their cake and eat it too??

 

 

In that, they either breached data protection when they sent the CCA out OR they breached concumer credit act when they did not comply with the SAR request

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Okay, more action, they have rang twice today asking for security info-I replied I will not divulge any further info and that they are personally harrassing me because they have ignored my letters which state clearly that they are NOT to call me.

 

 

They didn`t like it, saying they can`t confirm or deny having received my letter because I won`t give personal info.

 

 

Catch 22.

 

 

But they were pretty shirty.

 

 

Good. They know how I feel then.

 

I could really do with site admin on this.

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Extract from OPINIONS OF THE LORDS OF APPEAL FOR JUDGMENT IN THE CAUSE

 

Wilson and others v. Secretary of State for Trade and Industry (Appellant)

 

ON THURSDAY 10 JULY 2003

 

Para 29. The court's powers under section 127(1) are subject to significant qualification in two types of cases.

 

The first type is where section 61(1)(a), regarding signing of agreements, is not complied with.

 

In such cases the court 'shall not make' an enforcement order unless a document, whether or not in the prescribed form, containing all the prescribed terms, was signed by the debtor: section 127(3).

 

Thus, signature of a document containing all the prescribed terms is an essential prerequisite to the court's power to make an enforcement order.

 

Link> House of Lords - Wilson and others v. Secretary of State for Trade and Industry (Appellant)

 

Feel better now ?? ;)

 

I truly believe the term approved limit can not in any way be read as a credit limit. It could mean absolutely anything. The law is quite precise.

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I does indeed make me feel better.

 

Next step they need to take is to deal with the way creditors are trashing credit files where this is what has happened. It might take time but it will happen.

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I does indeed make me feel better.

 

Next step they need to take is to deal with the way creditors are trashing credit files where this is what has happened. It might take time but it will happen.

 

I could give a **** about a poor credit rating ?? :rolleyes: Not really, indeed it might stop me getting into more doo doo :lol:

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I could give a **** about a poor credit rating ?? :rolleyes: Not really, indeed it might stop me getting into more doo doo :lol:

 

Indeed, a poor credit rating may just be a blessing in disguise for many.

I know a few people who would have taken out stupid mortgages for properties that were 35% over-priced a couple of years ago. Except that they had blips on their credit files.

 

They are quite happy about it now, although not so at the time.

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I don't think we should all allow ourselves to be diverted and take our eyes off the ball.

 

Some people on here would wish us to get downhearted and not take Egg to task. I wonder why ? :roll::wink:

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Basa, I am 100% committed to this route, it`s happening in despite of what is being discussed.

 

 

And it gives me time to work through what my response will actually be should Egg come back to me with some of the points raised on the forum about the argument we have given.

 

 

So no Basa, you`re right, I absolutely will not take my eye off the ball

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Basa, I am 100% committed to this route, it`s happening in despite of what is being discussed.

 

 

And it gives me time to work through what my response will actually be should Egg come back to me with some of the points raised on the forum about the argument we have given.

 

 

So no Basa, you`re right, I absolutely will not take my eye off the ball

 

You go for it Lolli, I will be right behind you. In fact we are all (well nearly all ;-) ) right behind you. :cool:

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I think I`d feel better if there were a few more people in front of me though lol.

 

 

Egg could have avoided all of this if they had been reasonable in their dealings with me.

 

And ringing me continually despite the contents of my letters, despite the fact that I won`t go through my identifying information.

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Lollipop I am in the same boat as you, Egg have replied with the standard we are dealing with your complaint letter. My account was being managed by DLC, since my letter I have now had a demand for payment on the entire account from a different debt collector. Just sent them a get lost letter with a copy of my letter to egg and their response. Will see what happens.


Brad

 

Support Consumer Action Group, tell your friends, family, spread the word, help each other, and together we can show the banks we are no longer going to roll over and play dead.

There is hope, you just have to find it....

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That`s exactly the way I am going with it-I don`t expect Egg just to roll over and die, but I won`t either.

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Next step they need to take is to deal with the way creditors are trashing credit files where this is what has happened. It might take time but it will happen.
Ive been doing considerable research on the marking of CRA's by credit card co's and have discovered that once they end your contract they also end their entitlement to continue to report activity between you and them with a CRA. It comes under the Data Protection Act...

 

We afford principled rights under the Data Protection Act (Data Protection Act), Schedule 1, Part 1 ("The Principles") in relation to the manner in which our data is collated, stored and processed. Of particular note, are Principles 3, 4 and 5:

 

“3. Personal data shall be adequate, relevant and not excessive in relation to the purpose or purposes for which they are processed.

 

4. Personal data shall be accurate and, where necessary, kept up to date.

 

5. Personal data processed for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.”

 

If the Card Co is still processing data after the cancellation of the contract, whether or not this is a simple renewal process of the default flag, daily or by other timing factor. As that contract is no longer in situ, then any prior written permission within that contract has also ceased from the date of cancellation.

This means we have the right to instruct the card co's to stop processing data on us as they ended the contract that gave them our permission. They do NOT have a 'Legal' right to do this. just a lawful right. *apparently*

 

I have a (long) copy of a letter template that has been successful for others in the battle to stop Card co's processing data to CRA's if anyone wants it. The above edited excerpt is from that letter.

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Ive been doing considerable research on the marking of CRA's by credit card co's and have discovered that once they end your contract they also end their entitlement to continue to report activity between you and them with a CRA. It comes under the Data Protection Act...

 

This means we have the right to instruct the card co's to stop processing data on us as they ended the contract that gave them our permission. They do NOT have a 'Legal' right to do this. just a lawful right. *apparently*

 

I have a (long) copy of a letter template that has been successful for others in the battle to stop Card co's processing data to CRA's if anyone wants it. The above edited excerpt is from that letter.

 

Would be useful for us to look at it as we believe all of Egg's terminated customers should not be getting reported to CRAs. Good - or adverse.

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I would certainly be interested as it is a view I have thought many times, but never managed to find anything that would put it in terms sufficent for some of the "sods" that deal with your letters, and certainly ammo I could put to good use against Egg and Lloyds, having tried desparately to clear up my credit file for the past 3 years as it is now hindering my employment possibilities.


Brad

 

Support Consumer Action Group, tell your friends, family, spread the word, help each other, and together we can show the banks we are no longer going to roll over and play dead.

There is hope, you just have to find it....

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Would be useful for us to look at it as we believe all of Egg's terminated customers should not be getting reported to CRAs. Good - or adverse.
Im not sure if I am allowed to post a letter found on the web on here without permission so I've PM'd it to you.

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Hey Lollipop,

Keeping the faith too!

One way or another, we'll get through this

x

x:)x

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Hey Lolli

 

How are things progressing ?? Any developments.

 

I just sent my 'dispute' letter to Egg (& Tesco). Now awaiting the first 'broadside'. :D

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Hi Got a letter saying they were processing my sar but not even an acknowledgement of my other comments-l think they're blanking me to be honest and carrying on regardless, l didn't think they were allowed to ignore a dispute notice-l'll have to look into that.

 

 

Doesn't change my stance.

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Hi Got a letter saying they were processing my sar but not even an acknowledgement of my other comments-l think they're blanking me to be honest and carrying on regardless, l didn't think they were allowed to ignore a dispute notice-l'll have to look into that.

 

 

Doesn't change my stance.

 

I suppose no news is good news. Anyway reading BigEddie's thread they may have bigger fish to worry about :lol:

 

PS: I'm completely gobsmacked seeing what Tesco Credit & Littlewoods catalogue have sent me as 'agreements'. They're nothing more than applications. The one from Littlewoods has nothing more than my OHs name address and sig. ! It's not even dated !! :-o

 

I'm sure they both MUST have more than that :confused: Anyways I've 'disputed' them and asked if they can produce something more like an agreement.

 

Why do I feel like I'm taking candy of a baby? ;) (Hope I don't live to regret saying that :oops: )

Edited by basa48

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Got a default notice via secure message today, odd isn't it that I couldn't log on to the secure messaging service only two days ago and now when they need me to see it I can?? hmmmmmmmmmmmm

 

 

Anyway, what's the next step?

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Got a default notice via secure message today, odd isn't it that I couldn't log on to the secure messaging service only two days ago and now when they need me to see it I can?? hmmmmmmmmmmmm

 

 

Anyway, what's the next step?

 

I think at this stage you have a choice.

 

1) Write to them explaining how a default on a disputed account contravenes the DPA.

 

2) Do nothing and wait for them to start proceedings then defend it.

 

3) Take them to court for not supplying a compliant agreement, issuing a default on an account they have no right to request payment on anyway and applying default records to your credit file against the DPA.

 

I've got some notes I've prepared for when they default me. I intend to get PT to look over them when he/she has a minute.

 

I can PM to you if you're interested - it's a lot of stuff.;)

 

PS: You don't work for Egg do you, I'll be giving you my game plan !! :rolleyes:

 

PPS: They've ignored my 'dispute' letter too but advised me my DD has been cancelled. No sh*t Sherlock ! :D

Edited by basa48

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I'm not 100% sure but pretty certain (99%) that a default notice must be supplied in writing. IE not electronically.

 

If so..... Add that fact to your reply.

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better still, don't log on to their site


If my advice helped you please click my star

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