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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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tel005

CCA Requests

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Back in January this year I sent the cca requests, along with the home visit letter, for 3 credit cards i had to Uk Debt & Legal services who were working for Arrow Global. Now nearly 6 months later I have received 3 letters from another comapny called Fredrickson International Limited?

letters: a copy of a standard credit agreement with my account number hand written on top of the copy but is not signed by me or mentions anything about me, got this for 2 of the cards and the 3rd is the copy of my virgin credit card application form. This is signed by me but at the top inbig letters clearly states 'Your Application Form' but further down says credit agreement regulated by the consumer credit act...

 

Now questions -

 

As its been nearly 6 months since my requests can they send these and take further action?

Is the application form a real credit agreement because it does say further down the form that it is??

 

What to do next???

 

These are the links to my letters:

scan0001.pdf

scan0002.pdf

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Hi I see thyat MBNA have the Virgin card, if you look through this link it will show you various MBNA agreements and their flaws The Consumer Forums.

I think they can harrass until the debt becomes statute barred or proven to be unenforcable in court.:(

You will need to post all the bits you have received for full advice.

Edited by cymruambyth

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ok thanks I'll take a look.

I think they are just trying it on by now using a different collection company, should i ignor or send yet more letters? - saying what?

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Did you sent an account in dispute letter? If so in the letter template section there is a letter saying that account is in dispute and cannot be passed on.

THis link The Consumer Forums - Debt collectors shows the different letters that will cover what you should say depending what you have done.

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I have just found exact copy of what I have been sent and looks like its the t & c's from MBNA - says Enforceablility : Unenforceable - No signature

so do you recon I need to reply?

what about the virgin letter?

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yes sent out most of the letters and has been quiet for nearly 6 months but seems they are gonna try again with another company

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Posts crossed! I'd send the new company the surprised it's been passed to you as in dispute.

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Yeah ok I'll adapt the letter and send to new company. What do you recon on the virgin one? header at top clearly states application form but further down says credit agreement?

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Sorry, but I can't advise you, as it would only be my interpretation with no real knowledge to back it up! If you get no other reply I'd bump later today and you should get advice

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ok thanks

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