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    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
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need advice please?


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Ok just got one more question. My partner new he had took out an MBNA credit card at the same time. He has received a letter from first revenue assurance saying he can pay a reduced amount? Theres no way we can do afford that. But I have no details of what payments have been made to them. Should I send a subject assesment request? (if thats right sorry slowly getting the hand of this)

 

Appreciate your advise

 

L x

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Here's the SAR for you:

 

Data Protection Act 1998

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

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Hi not sure If I have started this in the correct thread?!

 

To cut a long story short partner has lots of debt which only found out about last month. We went through all debts and started a payment plan which he has kept up for last three months but struggling.

 

One of them is Halifax credit card which I think was taken out in 2003 I received the following back and wanted to know what to do next?

 

Advise greatly appreciated!

Halifax.pdf

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Hi Lenny,

 

Re. your PM... I've just gone through my files and the company who tried to pull a similar stunt on me a couple of years ago was A&L. I was going to reply, but in the same letter they also informed me that they'd instructed their solicitors to "discontinue legal action until further notice".... so I didn't bother.

 

They never re-commenced legal action, never produced a valid CCA and eventually sold it on... :D

 

See what you get back from Halifax re. the template letter and we'll go from there.

 

:)

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fire off the failure to comply letter

thats absolute rubbish they have posted

 

you can stop payments too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Diamondgirl--presumably the letter was in response to a CCA request?

 

As you have had problems with this card it's a fair bet that halifax have added on lots of late charges that you can claim back.

 

 

Sending them an SAR,templates in cag library,will get you all your cc statements so that you can work out how much they've unlawfully added on to your account.They have to comply with this within 40 days.

 

Posting up the default and termination notices here,minus personal details,will give caggers the opportunity to see if Halifax have followed the correct procedures.

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3 threads merged

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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Hi sorry another question, this is for me now I have just checked my credit report to see how it is. Every thing on it is fine apart from that I have received a default on old T mobile account which I thought I had cleared. I dont remember seeing any paper work. Anybody know what I can do here?

 

Thanks

 

Len x

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  • 2 weeks later...
Hi

 

It has now been over 12 days since I sent cca request for all of my partners creditors. So far I have only received a letter from halifax which I replied with a account in dispute letter.

 

Could anybody help me with what to do now please?

 

Many Thanks

 

L x

 

Send the Account in Dispute Letter to them all they only have 12 + 2 days to reply you can then stop payment until they comply to your request.

 

DG

I have no legal training my knowledge comes from my personal life experiences

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