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    • Thank you all for your replies  I am obviuously over thinking things best to continue to ignore  onlymeagain  
    • As advised statute barred debts are dead...if your alive or dead......so are CCJs that are over  6 years old and have never been executed or secured against property by way of a charging order.......no matter how much your estate is worth.
    • I booked several rooms with FABHOTELS.COM - I have made sure the rooms were cancel able and due to the condition in India regarding Covid becoming very bad I cancelled the rooms and my visit to India and will not be travelling for the foreseeable future, I then checked my account and they have stated there can be no refund back to my card but I have to accept their room credits to the value of £478 valid for 12 months when they will then expire if I do not use them by that date, I have contacted them on several telephone numbers and via email, they have refused to issue a refund : stating it is their policy to issue only rooms credits and these will expire in 12 months, they have advised they have the right to do this under the contract and under Indian law, I have raised a SEC 75 claim, via the credit card company however they have not advised what the above means and stated it will take 11 weeks for a response, I am concerned that a refund has been provided and the cancellation has been approved as such as a refundable cancellation, albeit they have stated no refund to the credit card can be made. I have sent the following to them and their response has been - we are unable to assist further - I have now concern how they can do this when the law does not allow this to be possible? The issue that I have experienced was: Disgraceful behaviour by Fab hotels in holding cancelled bookings in an expiring account when cancelled fully - NO REFUND ISSUED? Please can you refund the full amount to my credit card as due to the Covid restrictions there is no guarantee I will be in India in next twenty four months I await your refund back to my with the Credit card Company as I am not able to use the Credits expiring in 12 Months, I have been in touch with the credit card Company and they have confirmed they will be looking to FabHotels to refund back to the Original card as part of the Sec 75 Laws where a cancellation has been made and the payment has to be refunded back to the Original payment card. I have not been able to confirm I will be using the credits and therefore in order to safeguard my funds these needs to be back into my, If this is not accepted then I reserve the right to take the matter further for a investigation and chargeback as I have not authorised the payment and the reservations have been cancelled. Please can this be escalated to a senior manager and a refund issued back to the Visa card. If this is the Customer experience I have to endure then I will make it quite clear that this i not acceptable that you take money and put it into a expiring account and then ask me to contact you to get the extension, this is not customer service, I am deeply distressed by your action as there are no other Booking agents who are doing this to their customers, especially considering the hotels have been accepted as cancelled and a refund issued but held in expiring account.
    • That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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      • 16 replies
bobogosing

Help needed for f&f settlement with egg card please!

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Hello, can someone give me some advice please? Or point me to the direction to get help. I've 9 creditors and planning to offer F&F settlement as a member of family have offered a lifeline. I've been on a DMP with Payplan since Dec 06, with the rate I am paying, it won't be till 2047 my debts will be paid off:sad:!

I have managed to post some of my creditors cca's so far and really am struggling to get any advice to see if they are enforceable so that I know where to start. Thanks bobo

 

http://i1011.photobucket.com/albums/af236/bobogosing17/eggcard/eggcardcca1.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/eggcard/eggcardcca2.jpg


follow the light!

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Hello, can someone give me some advice please? Or point me to the direction to get help. I've 9 creditors and planning to offer F&F settlement as a member of family have offered a lifeline. I've been on a DMP with Payplan since Dec 06, with the rate I am paying, it won't be till 2047 my debts will be paid off:sad:!

I have managed to post some of my creditors cca's so far and really am struggling to get any advice to see if they are enforceable so that I know where to start. Thanks bobo

 

http://i1011.photobucket.com/albums/af236/bobogosing17/eggcard/eggcardcca1.jpg

http://i1011.photobucket.com/albums/af236/bobogosing17/eggcard/eggcardcca2.jpg

 

Hi there, try the following link:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?220066-Is-My-Egg-Cca-Enforceable

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those look ok but a bit small to be sure

 

dont forget to reclaim unlawful charges + mis-sold ? ppi if you have those on any cards/loans.

 

i'd start a thread in each of the named forums for your creditors as you get the cca replies back.

 

i'd also do some reading in those forums to see how other deal with them & their debts.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Morning and thanks everyone! I will do my searching and reading. x


follow the light!

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OK Bobo

 

I tried to send you a response to your pm, but your pm box is full, I will send you a message early next week.

 

Kind Regards

 

The Mould

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OK Bobo

 

I tried to send you a response to your pm, but your pm box is full, I will send you a message early next week.

 

Kind Regards

 

The Mould

 

Hello Mould! Thanks and wait for your reply. I've managed to clear the mail box, didn't know how at first. Its too high tech for me these days. bobo


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Bobo

 

Can't read these cca's - too small - but are you aware of PT2537's thread on older EGG cca's? If not, read the last few pages (it's massive!) This verdict is due from Mold Court very soon (they said September).

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Bobo

 

Can't read these cca's - too small - but are you aware of PT2537's thread on older EGG cca's? If not, read the last few pages (it's massive!) This verdict is due from Mold Court very soon (they said September).

 

BD

 

Thanks BD! Thats how Egg send the cca, with alot of pages on T&C. I can't even read the agreement myself as the prints are so small. bobo


follow the light!

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Thanks BD! Thats how Egg send the cca, with alot of pages on T&C. I can't even read the agreement myself as the prints are so small. bobo

 

Bobo

 

They MUST send you legible copies to satisfy cca reqts. Ask again!

 

Also do a SAR while you're about it and save a stamp on the 2nd request. :wink:

 

BD

  • Confused 1

£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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Bobo

 

They MUST send you legible copies to satisfy cca reqts. Ask again!

 

Also do a SAR while you're about it and save a stamp on the 2nd request. :wink:

 

BD

 

Will do! And thanks a million for your time BD. You've helped me to have the strength again. bobo


follow the light!

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Bobo

 

Any updates?

 

BD


£50k saved and £7k charges refunded:

MBNA & A&L 35% F&F direct - saved £23k. Birmingham Midshires £1700 charges refunded

Abbey Loan/BCW 50% - saved £2k. Barclaycard/CSL 40% - saved £6k

Monument/DCA 35% - saved £1k. LTSB/Wescot 50% - saved £4k

HBOS Visa £5k charges refund via Blair Oliver Scott

RBS Direct Line/(genuine) solicitors June 2010 40% - saved £3k

Morgan Stanley/Aktiv Kapital £11k SB Nov 2010

Over £40k balance write off and charges refunds to fight for:

HBOS O/d Charges £5k. Egg Loan/Aktiv Kapital CCA Dispute £8k

Egg Card/Fredrickson taking £5 monthly but CCA & Charges Dispute £4k

Goldfish/1st Credit DN/TN Dispute £9k. Capital One/CSL charges claim £4k

Barclaycard/CSL taking £5 monthly on £10k debt

 

I hope I have helped - if I have please hit my star - and recognise the others who have helped too.

Bigdebtor

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