Jump to content


N.Rock 2002-11-05 £12.9k Unsec Loan - was linked to a together mortgage I had with NR that i have redeemed


Pipster2797
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4473 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I fell behind on my loan due to being made redundant and after reading so many posts on here decided to CCA my creditors.

 

Not to avoid paying the debts but to repay them on my terms as things are really tight at the moment and after the way I have been spoken to by some of my creditors .

 

One actually saying they could send BAILIFFS to take my dog, as they heard him barking in the background one day, to help repay the loan. This is when I decided I needed help and started to research everything online

 

This one in particular is from Northern Rock.

 

The loan outstanding is around £15,500.

 

The interest isn't front loaded but they are saying they I received more than I should of. I can't remember if I did or not.

 

Most of the CCA is unreadable but it is signed by me.

 

I wrote to them saying that it is unreadable and asked for a copy of a clearer CCA.

 

They have replied back saying that "Sorry they cannot provide a clearer copy and the copy they have sent me has all the prescribed terms and conditions on it."

 

Could anyone take a look and see if this is enforceable?

 

Thanks in Advance

 

2008-11-07 NRreply tomy unen letter 2008-10-31.pdf 2002-11-05 £12.900 Loan Agreement 300mts.pdf

Link to post
Share on other sites

  • Replies 58
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Yes, it is an extremely poor copy isnt it. They make reference to terms and conditions "below and overleaf". Is this the only part they sent you.. was there any "overleaf" ?.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hmmm, well they refer to it on the front page, therefore they should have provided it within your CCA request.

 

I dont think I will be able to help, however I am sure someone with more knowledge will be along soon. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Just to add. I had sent them this letter when I got the CCA

 

Dear Sir/Madam

 

Thank you for the reply to my letter dated 22nd October 2008

 

Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns

 

The document entitled “credit agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557).

 

In particular section 2 of the Regulations

 

As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, in fact far from it.

 

Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553).

 

After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order.

 

Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible

 

Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to cancelling this account and reducing the balance to zero.

 

Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974.

 

I am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration,

 

however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request

 

Yours Sincerely

 

I then got this reply which I have scanned and posted it here

http://img4012.photobox.co.uk/864895476ee2f56fe1c3ac65386ade8e0b6f0acf61d078338b1237afb34c667d3081c5a0.jpg

Link to post
Share on other sites

Hi Pipster,

 

Hmmm, I would suggest you send the letter in the following link to the OFT, suitably amended. Copy the agreement they sent you and also their follow up letter and enclose those as well.

 

http://www.consumeractiongroup.co.uk/forum/consumer-protection-unfair-trading/147830-complaint-oft-respect-invalid.html

 

 

I take it from the letter you wrote on receipt of the illegible agreement that you wont be afraid to take it all the way, to court if necessary ?.

 

Northern Rock, seems to forget that it is by the grace of the Tax payer that it is still in existence and is apparently the worse bank to deal with. I am not sure how to advise you other than in the first instance the letter above.

 

PS.. are you aware that the letter you linked to above is no longer available to view on photobox ?.

 

If you are having problems with that host, try photobucket.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

What makes it all worse is that it was Northern Rock that I worked for and they made me redundant. Like I say I'm not trying to avoid what I owe but to make payments on my terms as everything that I have offered them they have refused.

 

Can anyone else help with this at all?

 

Link to post
Share on other sites

What should be my next move as explained above I wrote to them saying it wasn't legible and I feel the CCA is unenforceable. All they sent back was the reply above.

 

Anyone have any ideas?

 

They have now written to me to say that I need to pay the arrears within 7 days or they will have no alternative but to consider instructing solicitors to take legal action to enforce payment.

 

I'm starting to get worried as I can't afford anything and I'm still unsure if the above CCA is enforceable or not

Link to post
Share on other sites

popster, I have asked a mod/site helper to look in on your. You will have to be patient I'm afraid.. all the site helpers are volunteers and there are very few of them and loads of us:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

My feeling is that although some of it is illegible, you would have to have a very friendly judge on the day to say it wasn't enforceable, and then you would have to fight an opposing solicitor too.....you might just be prolonging the inevitable.....

Link to post
Share on other sites

looking into please bear with us.

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.

 

 

Link to post
Share on other sites

You could try

 

Dear Sirs,

 

I write in response to your letter dated XXXXX

 

Your letter is incorrect and frivolous, you are fully aware of legally valid reasons why no payment has been made on this account, namely that a LEGIBLE copy of agreement which underpins this account has not been supplied despite a perfectly valid request and furthermore I draw your attention to - Consumer Credit (Cancellation Notices and Copies of Documents)

Regulations 1983 (SI 1983/1557)

 

2 Legibility of notices and copy documents and wording of prescribed Forms

 

(1) The lettering in every notice in a Form prescribed by these Regulations and in every copy of an executed agreement, security instrument or other document referred to in the Act and delivered or sent to a debtor, hirer or surety under any provision of the Act shall, apart from any signature, be easily legible and of a colour which is readily

distinguishable from the .

(2) The wording of any Form prescribed by these Regulations shall be reproduced in copies of unexecuted or executed

agreements or in Notices of Cancellation Rights sent [by an appropriate method] under section 64(1)(b) or (2) of the Act

without any alteration or addition, except that--

(a) the creditor or owner may enter the name and address of the debtor or hirer in any Cancellation Form prescribed

by these Regulations; and

(b) every Form shall be completed in accordance with any footnote.

(3) Any such footnote shall not be treated as part of any Form prescribed by these Regulations and may be reproduced

in addition to any such Form.

(4) Where any such footnote requires any words to be omitted, those words shall be omitted or deleted.

 

Therefore the agreement as outlined in section 65 (1) Consumer Credit Act must be laid before the court to be granted an enforcement order before any further action can be taken

 

It is my view that the court would not grant such an order due to the deficiencies that I have outlined.

 

Therefore, i would indeed welcome the opportunity to place this before the court. furthermore should you proceed with the threats to issue legal proceedings I will make an immediate application to have it set aside for the grounds outlined above, also i shall refer the judge to this letter when the matter of costs falls due

 

I trust this outlines my position clearly enough for you

Link to post
Share on other sites

since they are now talking about legal action-heres something to send them.

Pre action Court protocols require that each party is gien equal footing-in your case to properly defend any action.

I have used this myself,as have several others and it seems to work.

I have tinkered with it to fit with your requirements,however feel free to add or take out anything you know does not apply or is irrelevant to you.

 

 

 

 

 

 

Dear Sir/Madam,

 

 

This is in acknowledgement of your letter dated ................and also of .............The contents of which have beed duly noted.

Further to you stressing that County Court proceedings will be actioned by yourselves should I fail to make contact/stressing that proccedings are about to be commenced in regard to alleged sums outstanding and alleged owed by me on the above account,I remind you of Civil procedure rules protocols.

 

 

I put forward that you now have a requirement to provide me with;

 

 

1) A true copy of the 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. Please note that a "true copy" as defined by the Consumer Credit Act will not be acceptable in this case, and a copy of the actual executed agreement, including signature, is required.

The documents that you have previously sent to me on...

Do not fulfil the requirements of the consumer credit act.

 

2) All records you hold on me relevant to this case, including but not limited to

 

1. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations

3. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by me with........... is required.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to 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 charge 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 make this request to ensure that each party has equal footings which can allow action to proceed speedily fairly and without undue costs or waste of courts time,as defined within Pre-action Practice Directions -Protocols 4.6 of the Civil Procedures Rules.

I will give you 14 days to respond with the above,failure to comply will result in a complaint being made to the Court./In addition to the FOS for any breaches of OFT and CCA codes.This includes breaches as a result of initiating a Country Court claim where failing to provide or produce documents make litigation improper..

Specifically this relates to one or any number of the following;

 

* demand any payment on the account, nor am I obliged to offer any payment to you.

* add any further interest or charges to the account.

* pass/sell the account or outstanding balance to any third party.

* register any information in respect of the account with any of the credit reference agencies.

* issue a default notice related to the account.

 

Furthermore,I reserve my right to make a copy of this letter available for inspection to the Court and Financial/Consumer regulators should you fail to comply with this request.

I await your response,and should you need further clarification on any of the above points,then I suggest that you direct them to your legal department.

 

 

 

Yours Faithfully/Sincerely

 

 

 

 

......................... . (not to be signed) Print name

 

 

Dated..........

 

Send recorded delivery-and keep a copy.

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.

 

 

Link to post
Share on other sites

Thank You.

 

Sorry If I seemed impatient before I was getting a little stressed and I do appreciate all the help I have had so far.

 

After calming down a little bit and thinking clearly the reply from NR above had offered a goodwill gesture of £75 and also to cap the arrears onto the loan and gave me 10 days to sign and return an acceptance form.

 

The letter I got today saying that if I didn't bring the account upto date within 7 days they would start legal proceedings.

 

Both letters are from different departments and I think the one they sent me today is to scare me.

 

Thank You Again!!

Link to post
Share on other sites

Hi pipster, unfortunately, these letters are designed to terrify you. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I'm determined though not to let them win.

 

As I said originally I'm not trying to avoid the debt. I'm just doing it so I can make payments on my terms as everything I have offered them they have rejected.

 

Bearing in mind I would not be in this position if they hadn't have made me redundant!!

 

The more they get nasty the more it makes me determined though!!

Link to post
Share on other sites

I know it is a long shot, but perhaps a letter to your local MP (conservative or liberal) as they do appear to be on the consumer's side at the moment.

 

Explain that having been made redundant by Northern Rock, they must be well aware of your current financial predicament.. yet they do not appear to be cutting you any slack. It cant hurt and it might help :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I think I might.

 

The whole loan is from a together mortgage I had with NR.

 

I had to put a complaint in against them as they made a huge cock up of the mortgage when I redeemed it. The mortgage side is redeemed now.

 

Thing is I have just checked my experian credit report and I thought they had defaulted me for the unsecured loan but looks like they haven't.

 

However the main secured loan that I redeemed back in 2003 has an outstanding balance of £1,181.

It says settled on 04/04/2003 but that balance is outstanding.

I think that will be included in a letter to them too

Link to post
Share on other sites

  • 4 months later...

Hi this is still an ongoing problem that I have with them.

 

I have had a final response letter from them to say that the agreement is legible and enforceable and that the current rate is 10.95%!! The agreement states it is 5.89% but they are stating that it cleary states the agreement to say 5% above their base rate. Which I can't make out on the agreement anywhere!!

 

Also they have now sent me a default letter which is the 2nd one they have sent.

 

Also in response to Martins letters I sent to them in Nov they have replied to say they have given me all the information they need to although they haven't given me anything in response those letters and the info I asked for

 

Anybody got any idea on what i can do next?

 

does anyone have any idea with this?

 

I'll try and get the default notice scanned up and see if i can find the other one too. I know it was sent out on the 11th March and i need to action it by the 25th of March to remedy it. I always thought they had to give 28 days?

Link to post
Share on other sites

does anyone have any idea with this?

 

I'll try and get the default notice scanned up and see if i can find the other one too. I know it was sent out on the 11th March and i need to action it by the 25th of March to remedy it. I always thought they had to give 28 days?

 

 

Hi pipster, if you can scan in both default notices that would be good. Could you also advise how they were mailed to you... 1st, 2nd class or business mail ?

 

The regulations advise you are to be given 14 CLEAR days to remedy a breach. That is 14 days from date of service not from the date on the DN. That is + 2 days = 1st class / +4 days = 2nd class and business post. (not including bank holidays or weekends)

 

There is also a prescribed format for DNs, so we do need to see them:) Another thing, are there any charges/penalty fees included in the balance ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Right managed to upload the latest default letter. I can't find the old one but know I have been sent it.

 

Things I have noticed about the default notice is that it quotes a credit agreement number which is a letter then a series of numbers, however they are not mentioned on the credit agreement at all. Also on the credit agreement an account number has been written on by Northern Rock (its a photocopy so not able to be written on by myself) teh account number is different to the account number on the default letter and all other letters they have sent me about this account. Would this make any difference?

 

There are no charges from what I can see on the account

 

 

 

2009-03-11 N Rock Default Notice.pdf

Link to post
Share on other sites

Well, there is no question about it, they havent given the required time to remedy.

 

I think they should also have underlined DO NOT

 

Are there any charges included in the balance they show.

 

I think if they are quoting a different account number that could be an issue. However, some companies use their own inhouse references to tie up several accounts. Could this be the case ?.

 

Have you sent a Subject Access Request asking for all information they hold on you. Perhaps that would likely throw up some more information.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Thanks for the quick reply CitizenB much appreciated!!

 

There are no charges on the account.

 

It does tie in with a previous account.

 

I am going to send a S.A.R. off today.

 

I know in the early posts that people say the judge is likely to find it enforceable but the rate they are charging 5% higher that what is quoted on the CCA. They say the terms and conditions are easily readable but they arent because you can't make that out. Would that also have an impact if it went to court?

Link to post
Share on other sites

I have just seen that Martin3030 posted a letter in post # 21 because they were talking about legal proceedings.

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1811508.html

 

Did you send that letter and was there a response ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...