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    • Another consumer who thinks that by being reasonable and patient with Currys, that Currys will be reasonable with them in return. Bless. Of course I do hope that you get a resolution this way but in fact we have found over a longer time now that Currys was a dishonest and quibbling little company that takes advantage of its customers innocence to deprive them of their consumer rights. "In due course" is completely unacceptable but if you go along with that it means that you have handed the reins over to them and allow them to take control. There is no reason for this matter to take more than a week for them to sort out and so I would suggest that your best course of action send them a letter of claim giving them 14 days or you will sue them in the County Court. That gives them ample time to sort the matter out and also means that if they eventually come back to you "in due course" refusing to honour their obligations, then you don't have to wait a further 14 days. You can pretty well launch into action immediately. You said you had all your legal documents ready but I asked you if that meant that you had sent a letter of claim and you haven't replied.
    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
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Please will someone help me on this, i dont seem to get any replies on any of the SubGroups


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Hi Everyone,

I was hoping for some advice i have asked the question before about Default on Bank Accounts and if anyone has had any success in getting them removed, Over the last year I spent most of my time writing letters to l Sans;">HSBClink3.gif in order to see what paperwork they have I have sent CCA requests for Agreements, and asked for the Default notices etc, I have also done SARlink3.gif requests.

None ever produce was default notices or agreements for the bank account or the credit card.

I have even sent a letter to Chairman of HSBC Stephen Green asking for this and requested they stop processing my data as they have no signaturelink3.gif i.e my consent, i got a blunt letter back saying, the default notices are produced automatically and they dont have to supply this.

and they they a copy of the terms and conditionslink3.gif, and quoted WE HAVE NOW FORFILLED OUR OBLIGATIONS UNDER THE CCA 1974.

they also said please find enclosed a copy of the agreement the one in which you would have signed for....but did not produce a true signed copy, this letter was sent in February it on my part was a last attempt to get any answers from them.

they also said WE AWAIT YOUR COURT INSTRUCTIONS...this was because i sent the letter saying before action.

I have two bank accounts with them and a credit card agreement..


I want to know how i proceed with this can i take them to court to remove the defaults and supply the documents...

I would really like some advice from the senior CAGGERS in order to get this sorted out.

In my favour I do fortunately have the original default sent to me for the credit card debt, this is defective, does not allow 14 days clear service, do you think this is the reason why there not producing a copy?


please help


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For a bank account there is no need for a written agreement so there won't be anything for them to send.


I would suggest that if you have a default placed against your current account then, in reality, there is little that can be done about that.


With regard to the credit card, if you applied under s78 then yes they have complied with the requirements of the CCA.


From your post it appears as though you also made a request under the Data Protection Act threatening them with legal action if they didn't comply with your request. Well, it looks from their reply as though they're saying - bring it on.


So, it is now up to you to bring a case in the county court against them under the Data Protection Act

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If the default is factually correct, there is nothing that can be done about it. This is thanks to this case:




Anything short of entering a courtroom is now allowed



Have a check of the screenshots for your accounts and it should show that a DN was issued. That is all they have to do. They don't have to prove the DN was posted

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks Siverfox,

Im really grateful for the reply, i sort have have thought this, what i am interested in is whether or not they should be able to provide my consent for processing my data in the first place, I.e when the bank account was opened they should have gained my signature in order for them to do this, should they have provided this piece of paper as part of the SAR request? if not are they in breach?

I have had letter from a company called payment services bureau based in birmingham. the amount in default is around £1200 they said they have authority to mark the debt as settle upon payment.

shall i write to these with a proposal to pay part of the debt in order for the default to be completely removed, but i need some muscle on paperwork etc, things they could have not complied with.

thanks again for the initial responce.



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