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    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise. Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings. Any advice as to how I should proceed please?
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kredda

what am i looking for?

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i have wrote off to my creditors and sent a £10 cheque to each for all the data they hold me and all of my agreements statements and so on (creditors are barclaycard:visa and loan, coventry:mortgage and loan, mbna:visa)

 

i have recieved such information off barclaycard and coventry but in both cases they never sent me the information regarding the loans. i do not have ppi on the barclaycard visa so what else is it i'm looking for in order to wipe clear this debt? i got the barclaycard in 2000 and what is my next step for obtaining the information on my loans?

 

its been 40 days now and i still have not recieved anything from MBNA even though all the cheques i sent have been cashed.

 

any help much appreciated :)

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Hi, Kredda.

 

What was the wording of your letter to them ?

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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"wipe clear this debt?", hope you havent been listening to the hype put forward by the companies who sell their services.

 

Have a read of the threads and you will start picking up the gist of it all. By sending a cheque you have given your signature out, this can be used to fabricate an agreement, always digitally sign letters, never speak on the fone and keep a copy of everything.


Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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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Hi, Kredda.

 

Just noticed this bit.............

 

If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act.

 

If the bank does not respond to your 7 day warning then begin your complaint and start your action.

 

Regarding your loans, I'd send them a CCA Request............

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Send with a £1.00 Postal Order, recorded and don't sign it.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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"wipe clear this debt?", hope you havent been listening to the hype put forward by the companies who sell their services.

 

i recieved a letter from a company saying the could wipe the debt under a no win no fee basis by challenging my credit agreement under the consumer credit act 1974??

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Hi, Kredda.

 

Just noticed this bit.............

 

If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act.

 

If the bank does not respond to your 7 day warning then begin your complaint and start your action.

 

what is the county court action for? to claim back my money off the debt?

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what is the county court action for? to claim back my money off the debt?

 

No, have a look at this 'link'..........

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/130-data-protection-act-non-compliance-particulars-of-claim-

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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