Jump to content


  • Tweets

  • Posts

    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
    • Second charge mortgage market returns to growth View the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics

New to all this!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4195 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 everyone, I thought I'd start my own thread with our story.

 

A quick summary - about 9 months ago, I had to fold my business due to the credit crunch. I'd been doing ok, but times were hard & my wife was pregnant. We made the decision that to keep things ticking over I needed to get a full time job, which I did but the basic wage is lower that what I was earning previously.

 

She is now on maternity leave, and at the end of September we started a self-administered Debt Management Plan. CCCS woudn't take us on as my wife has a staff loan with her employer that we did not want to mess about with.

 

Our creditors are Virgin CC, MBNA CC, Post Office CC, Barclaycard CC, Barclays O/Draft, Next Directory, MINT CC, Natwest o/draft, and 2 x Northern Rock personal loans.

 

I know it looks a lot, but when we were were both working it was manageable - isn't it funny how your life can change so much in 12 short months?

 

Anyway, we have started to receive Default Notices, as they all seem to be ignoring our reduced payment requests (even though they are cashing the cheques!!).

 

Virgin CC and MBNA CC are worst, but only because they have my mobile number - they are ringing me 2 or 3 times a day, depsite our letters specifically saying we will not discuss financial matters over the phone - obviously I don't answer the calls from them.

 

I guess I'm jst after some advise really - what would be the "usual" process in our situation? Given all our cards (except Virgin & Post Office) are quite old, I'm wondering whether I should start asking for CCA's?

 

Don't want to upset them, but then again, they don't seem to worry about upsetting us...

 

Everything I've done has been in writing and I've been very reasonable, almost apologetic in my letters, but also clear that they can't have what we haven't got and everyone has been made a pro-rata offer of payment from disposable income, as evidenced in a Statement of Affairs, along with a breakdown of credit.

 

Any help / advice or comments?

 

Cheers

 

BL:)

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

Just had a thought - I forgot to mention that when Next accepted our temporary reduced payment, they sent us a reduced payment agreement to sign, along with a new CCA to sign.

 

We signed the reduced payment agreement, but sent it back with a letter asking why we needed to sign a new CCA? And whilst writing, could you send us a copy of our original CCA, just for our records?

 

Surprisingly, we got a letter saying, "we didn't ask you to sign a new CCA (they did!), and here's a true copy of the credit agreement as requested."

 

This "true copy" is very nice & clear - there are 7 terms all numbered, BUT....

it has no name, address, date, customer number, or signatures!

 

Surely this isn't what they'd send? Should I have sent a formal SAR? :confused:

 

If I can figure out how to scan & upload I will do it....

 

Ta

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

for those that wont accept your reduced payment, do it anyway by internet banking.

with that amount of debt [co's wise too] i'd only give them £5-£10 PCM.

 

as for the CCA's, well its up to you.

it could savw you having to do anything on those that fail, but objectivily, it doesn't make the debt go away.

 

as for the phonecalls, sadly MBNA is particular are VERY poor at customer relations & do their own thing.

 

if you've fired of the telephone harrassment letter, then have a look in the MBNA forum for other suggestions.

 

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... 

Link to post
Share on other sites

Can I ask, if they fail to provide a "correct" CCA, does it mean the Defaults can be removed? I appreciate it doesn't make the debt go away, but I understand it means they can't really do anything about it either, which in turn means we can just keep paying them the same amount.

 

BL

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites
  • 4 weeks later...

Just Bumping this up re my previous question!

 

Also, how can I get one of our lovely "experts" to have a look at a supposed CCA? Do I jut upload it to this thread?

 

Ta!

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites
Just Bumping this up re my previous question!

 

Also, how can I get one of our lovely "experts" to have a look at a supposed CCA? Do I jut upload it to this thread?

 

Ta!

 

yep use photobucket but remove ALL pers info + barcodes.

 

i you get the image lage size on photobucket, right click it , copy, then come to the message box here & right click paste.

 

dx

Edited by dx100uk

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... 

Link to post
Share on other sites
Can I ask, if they fail to provide a "correct" CCA, does it mean the Defaults can be removed?

 

--no they can still process your info, they shouldn't but its a long job to stop them, but it can be done.

 

I appreciate it doesn't make the debt go away, but I understand it means they can't really do anything about it either, which in turn means we can just keep paying them the same amount.

 

BL

no. no cca = no pay.

 

how you deal with the outstanding & the DCA flack is up to you.

 

but once it goes to a ddca, a very low F&F can be offerdd to closed the matter for good.

 

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... 

Link to post
Share on other sites
no. no cca = no pay.

 

how you deal with the outstanding & the DCA flack is up to you.

 

but once it goes to a ddca, a very low F&F can be offerdd to closed the matter for good.

 

dx

 

Thats interesting, as we MAY be in a position to offer LOW F & F in a few months (redundancy payment).

 

Thanks for all your help - I'll try upload the scanned document tonight...

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

Are all the accounts still with the OCs?

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites
Thats interesting, as we MAY be in a position to offer LOW F & F in a few months (redundancy payment).

 

Thanks for all your help - I'll try upload the scanned document tonight...

 

well it might be ok if the cca's turn out to be U/S & they sell the debt on to a dca, but we'll cross that bridge later.

 

now, have you condidered reclaiming unlawful charges & p'haps the odd mis-sold PPI on all these.

that would get the balances down nicely.

 

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... 

Link to post
Share on other sites

Hi again,

 

Babybear, yes - all are still with OC's as we've been paying reduced payments for the last 4 months - still getting the ridiculous standard letters, and letters asking for stuff they've already acknowledged receipt of!

 

dx, I had wondered about unlawful charges, although whats this about the latest ruling that say they are lawful afterall (or something?) - as for PPI - never bothered with it. I've worked in financial services for 20 years, its a right con - always has been!

 

cheers

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

the test case is only about bank A/C charges

 

CC's & loans are fair game + interest!

 

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... 

Link to post
Share on other sites

Ah right, cool!

 

Ok then, how do I go about getting any charges back - especially from MBNA as they stuck loads on, and they've been quite a pain ringing me 3 times a day (never answered of course!!)?

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

Don't know if this will owrk, but here's a link to the document that came with our MINT card when it changed over from RBS Advanta. It says CCA on the front, but other than that I think it might be "just for our records". Anyone got any thoughts?

 

http://i777.photobucket.com/albums/yy57/citygent1911/MINTCCA-2.png

 

http://i777.photobucket.com/albums/yy57/citygent1911/MINTCCA-1.png

Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

Link to post
Share on other sites

To reclaim charges you need to SAR the original creditor and this will have the added effect of them having to produce the CCA as well :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...