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    • Is that your name on the Lloyd's Pharmacy label? If it is, I suggest you use a program like Paint to obscure it.   You should be able to upload a file with multiple pdf files if you read our guide - click on the word upload.   HB
    • Ok so the charging order or restriction remains in force, no time limit.   I'm back now to finding a CS who understands that the restriction merely requires them to notify the council AFTER the house has been sold [as per post no. 17] and can explain that to the buyer's solicitor so the buyers are reassured and proceed with the sale. I can then pursue the case with the council when they receive notification of the sale as no doubt that will fire up the case again after being dormant for so long.   If anyone can recommend a CS they've used before in similar circumstances or one they know has experience of this I'd be grateful. Thanks
    • Well it seems slamdunk to me. Not only that but they refer specifically to the original order and that they ask you to sign and "amended order". The only other explanation is maybe they have received it from you. Could that be a possibility? I think I would initially drop them an informal line – by email and by letter saying that despite the amended order which you agree to on XXX date, you now see that the money which has been paid out you has had the full £850 deducted. With a please explain why this has happened and why the terms of the amended order you understood had been agreed had not been. Suggest that you send that after them immediately and will see what comes back. Maybe it is simply some misunderstanding and there is no point jumping the gun and started to issue threats if there is some innocent explanation. It certainly sounds a bit strange  
    • Hi i have attachd photos and the letter also there are 18 questions   1.Do you uderstand the caution? "you do not have to say(or write), anything, but it may harm your defence if you do not mention, when questioned, something which you later rely on in court, anyrthing you do say may be given in evidence.   2. please sate your full name and address   what is your occupation and how long have you held this position.   what is the name of your employer the company you own?   3. please give your full account of how waste that contained correspondence addressed to you was found to be fly tipped material depositiied it then shows a map.   4. did you produce the controlled waste, shown in KM2 - KM6 below, deposited on the named road.   KM2 I have never seen before in my life KM3 is not a clear picture i cannot say i recognise or dont recognise these objects.   5. if not, do you no who produced the waste shown in photographs KM2 - KM6 depositied ---- if so please state there name and address.     6. did you deposit the waste, shown in photographs.   7. if the awnser is yes to question 6, please state why and the date you depositied the waste.   8.if the awnser was yes to question 6, did you ask permission to deposit the waste there? if so please give details of person or company.   9. if you did not depsoit the waste shown in photographs KM2 - KM6, depositied (name of road) do you know who did? please state name, address.   10. have you organised or paid to have any waste removed?   11. if the awnser to question 10 is yes, do you recognise any of this waste in photographs KM2 - KM6 pkease state photograph numbers.   12. if you asked or employed a third party to remove or organise and manage removal of waste, please state details name address etc. as well as a written agreement.   13. if you trannsgerred waste to a third party please state on what date, how i found the individuals and when i contacted them.   14. if you did employ or ask someone to remove the waste produced by you, did you check to see if they were a licensed waste carrier with the enviroment agency.   15. if you transferred waste to a third party describe the vechile used to transport the waste away.   16 uf you transferred waste to a third party please describe the persons involved.   17. did you do everything you now believe to be reasonable actions in the circumstances to make sure that any waste produced by you was transferred to a authorised person or registered waste carrier? please list actions taken, what else could you have done to check?   18. is there anything else you wish to add.     I have trid to upload files direct to this website but it said error 200   https://docdro.id/gnI3oBJ   https://docdro.id/BsMEPgn   https://docdro.id/i70Eu9U   https://docdro.id/gOhhUVe   Sorry i pressed something my keyboard and it sent
    • Thank you for that. I can't see any photos though, maybe you're working on that.   HB
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Bullhunter

CCA to unenforceable

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Afternoon all - I have been reading all afternoon and for the last few months this site has been invaluable - it would not be an exaggeration to say I think it saved my business.

 

My credit card co's have all failed to provide any signed CCAs and the 2nd letters have been sent - and have expired.

 

Do I just stop all payments and see what happens or do I write saying that's it you have an unenforeable debt so I am not paying anything further?

 

Seems a pretty basic question, and I really have been through the site thoroughly but couldn't find a flow chart style post with all the stages.

 

Look forward to your help.

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Did you ask for the CA's under Consumer Credit act or through SAR?

 

If you asked for them under CCA and they haven't replied you can send them this

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168619-barclaycard-cca-response.html#post1818886

 

edited to suit.

 

Spam.:)

Edited by Spamalot
add link

[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Thanks Spamalot - have already sent that letter and time is up - what next?

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There are a few optoins... one is the CPR route if you are desperate to see the agreement

 

or you just don't acknowledge the debt until they prove it...

 

It really depends what you want the end result to be and whether you are prepared to go to court over the matter!


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Who are the creditors?

 

Barclaycard and Halifax I believe are amongst the worse for supplying agreements but I stand to be corrected. ;)

 

Spam. :)


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Much appreciated - I am not worried about seeing them and will probably sit back and wait for the calls.

 

As for the CC Co's full house - Barclaycard, MBNA, Halifax, Egg, Citi.....

 

Thanks for your help

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You might find this interesting reading (if you haven't seen it already)

 

whilst waiting for the phone to ring.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

 

Spam. :)


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

They say money talks......mine just keeps saying "Goodbye"

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Morning All

 

I have sent three of my CC Co's packing and am helping a couple of friends, but typically they have got the aggressive ones that won't give up.

 

Whether it is because they have spoken to them on the phone or not I don't know, but they have actually had visits from DCAs on behalf of the CC Co's - is there any way of keeping them off the door step as one of my friends is in his 70's and health not great?

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Now that's what I'm talking about - much appreciated.;)

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