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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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What's with CAG?!


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I wondered how come I got a tickle off you on there, lol. :razz:

 

 

I always manage to find your threads somehow, and I swear I don't go looking for them! That thread is the ONLY thread on there I've been following, came across it whlist looking for something and it stuck out. Subscribed out of curiousity, logged in today (had no choice lol) and there you were!

 

Thought best to tickle. :D

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I have some Ammo in that bookie.....I have been on cable for 12 years.

My arguement will be that the only option I have is using a provider via a BT line.

Cause I have a default on my credit file they want a security deposit.....so I cant even use another supplier without first getting the BT line....

Its catch 22.

Yes before I was spending a tenner a week on my Voda....now since no homephone its 30-40

Plus my Mum is going ballistic cause she says its costing her a fortune when she has to call me to ask me if so and so rumours are true....and what I was doing last night.

Altogether then a good case.....?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well you would have missed this thread.......

I heard that there are some impending divorces as a result of a mass exodus to the pub.

When Cag goes down-its rumoured that the missus orders her OH to do those things normally reserved for bank holidays:rolleyes:

 

Oh wonder what they are?

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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Do you think its a bit too cheeky to claim the £40 a week I am putting on my Voda PAYG ?

Best of it is....I have been with Voda for 12 years-I sent them an email sayin.....erm your rates are a bit much now can you give me my PUK code cause I want to go to another network (Last time I tried this they credited my phone with 25 quid)

 

Next thing they sent me an email...."Sorry you are leaving us-please call xxxxxxxxx and they will give you the code"

 

Ah well......was worth a try.

 

 

£40 a week on your voda PAYG who are you calling? I spend about £50 a MONTH on my voda PAYG and the same on OHs. Most of our calls are free and done at weekends we mainly text during the week and call the ppl who are not available at w/e

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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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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You believe your CAG friends avatars are what they really look like.

 

You can tell what DCA it is just by looking at the envelope.

 

You look forward to gettting DCA letters, and already have written half the reply in your head while walking over to the computer.

 

 

LMAO!!!! :lol::lol::lol:

 

So true, so so true!!!!

Edited by summanotre
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Magna res est vocis et silentii temperamentum

 

The great thing is to know when to speak and when to keep quiet.

 

(Seneca the Younger (attributed), Proverbs, 74)

 

 

Speech is given to many; intelligence to few - but if its well said, I said it!

:p

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I didnt want to put it in my thread as they were watching-but they wont come here...

Basically my services were on restriction since I told them I was not paying the bill when they owed ME.

Bill was for 200.claim was nearer 300.

They kept calling me saying they would knock of 50 quid-then 100-then 150.

I said ok send me an amended bill and I will pay the difference.

They wouldnt do this.Instead they threatened to send Moorcroft.I had already warned them of taking adverse action and after the call threatening the DCA I sent email to CEO-he replied apologising and said he would sort it out.I had been in email comms with both CEO and VM Solicitor and agreed to withdraw claim if they settled in full with costs.

They settled and around same time phone was disconnected -few days later Moorcroft sent threatogram-I called them and said there was NO debt since VM had taken that out of the settlement.

So I have filed notice of partial discontinuence with a note asking for directions.

As you know - you need a Courts permission to litigate again for the same matters if the case has been settled on the original one.

Had I known that VM would have acted hostile-I would have addressed that in my original POCS.

They did not follow the normal procedures and therefore are in breach of contract.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The other questions......its easy to spend 40 quid a week-but I have got some friends abroad-I use discount numbers for those.

My home phone averaged around £120 a month for call charges-I use it for CAG stuff as well....its not unusual to be on the phone for lengthly periods sorting CAG stuff out....Bookie and Caro will know this is true.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Martin i would advise u get friend and family with vodafone. you can be on 3 groups and as result u can staty in contact with up to 15 vodaphone friends if u go for the £7.00 if u was to go for the £5.00 option its u and 3 friends per group.

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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Thanks GM-I did look at this-but most peeps I know are not on Vodafone.

I have an Asda Sim card as well as a Tesco and Orange.

Its amazing how Asda tariffs are so low compared to Vodafone-and its run through their network.

I have the free weekend calls and Texts from VF which is good as it only means spending a fiver through the week.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Okay what smart alec locked the door:-x 2 days i has been locked out :rolleyes::eek: sorry you can't come in cos you don't know your user name :confused: pooter says no :( now i may be bloddy ditsy but i finks i knows who i is :rolleyes::p

 

 

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Okay what smart alec locked the door:-x 2 days i has been locked out :rolleyes::eek: sorry you can't come in cos you don't know your user name :confused: pooter says no :( now i may be bloddy ditsy but i finks i knows who i is :rolleyes::p

 

 

 

Are you sure?:p

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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Yep been having the same issues with cag. 6 hours yesterday interenet explorer did not recognise the page then 3 hours this morning.

 

Bloody comps.

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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My lappy's cooking on gas today. Just used this. I know lots of peeps already use it.

 

CCleaner - Download

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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I have cleaned the comp and everything. It seems to only be CAG the net is having issues with of all the websites i go on.

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've reported this for webby to have a look at GM.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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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kk

thanks for 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've had a few problems getting on at various times for last couple of weeks. I even resorted to visiting....

ANOTHER FORUM

Dear me, aren't they snippy? Not warm fuzzy and cozy like CAG at all. Made me feel like a money grubbing shyster out to defraud the poor banks..

Never mind, I'm home now :)

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I've had a few problems getting on at various times for last couple of weeks. I even resorted to visiting....

ANOTHER FORUM

Dear me, aren't they snippy? Not warm fuzzy and cozy like CAG at all. Made me feel like a money grubbing shyster out to defraud the poor banks..

Never mind, I'm home now :)

 

We don't really say it, for some kind of reason....but that SMACKS of MSE xxx

 

I can't stand some of the opinion on there....it always seems somewhat biased!

 

I personally think it's vested interest alot of the time! Or is it just pure delusion?

 

Snippy? Bunch of beatches lol!

 

 

Bahhhhhh

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MSE look down there noses at ppl who question there debts and even strive to be debt free by certain dates. Yes i dont agree with debts but hey they starve themselves to be debt free when we do everything we can whilest maintaining reasonable payments, yes £1 a month is a reasonable payment.

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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