Consumer Credit agreements part 3

[Bigdebtor]

I don't know if this is a glimmer of hope or another establishment stalling tactic - but the attached is from Vince Cable's department - and he might just be the one member of the CONDEM cartel that I think might be on the Consumer's side.

 

“ We want to strengthen our evidence base on the impacts of recent voluntary, market driven initiatives around personal current accounts and on any continuing consumer detriment in this area, BIS issued a call for evidence on 15 October which can be accessed via the BIS website at:

http://bis.gov.uk/policies/consumer-issues/consumer-credit-and-debt/managing-borrowing"

 

Now it is your turn to let the BIS know that you are not happy. Tell them that we need a new law, tell them we need it today, and tell them why! What is more make sure you pass the link on to all your friends and family.

 

I had posted this yesterday on another thread but this is also most relevant to the discussions currently on this thread as it seems the Creditors are desperately trying to remove the protection we still have under the various CCA's. There is more info on this on the linked thread. We all need to respond to this ASAP to put OUR side of the argument!

 

BD

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?248268-Sheriff-puts-Bank-of-Scotland-to-proof-on-bank-charges&p=3194335&viewfull=1#post3194335

[Bigdebtor]

I agree totally with DD (usually do!) - AND you should also keep ALL the envelopes - and write date of arrival on back of each envelope - so you can establish a pattern of how long it usually is between the date on their letter and you actually getting it.

 

BD

[Bigdebtor]

I didn't think they had credit cards etc. back in the year 2 - when Jesus was a 2 year old - although I do believe King Herod ran courses in consumer relations, debt collection etc. for the local DCA's! His methods seem to even survive to this day in some areas.

 

BD

[Bigdebtor]

It's easy to use Adobe "rotate view" to rotate the document clockwise (twice) to get it right way up - no need to rescan on this account.

 

However you have still left the exact balance in the body which might idfentify you to Cabot.

 

Cabot's letter is pure bluff. They are saying they are "entitled" to enforce (and define enforce). They are right in they are ENTITLED to go to court - but what they DON'T say is that LEGALLY they CAN'T actually get a court to rule you MUST pay up just with a reconstituted copy - they MUST have the original. However beware of the Judge lottery as some judges don't actually understand the Carey judgement properly - and get misled by devious lawyers.

 

They must have taken a long time to put this work of fiction together because it's very well worded - intended to deceive you but without actually lying outright.

 

Personally I would now reply using P1's excellent CPUTR 2008 letter - which I believe removes the capability of them continuing to bluff. They either have an original, including your signature - and my reading of CPUTR 2008 is that they must give you such a copy on demand - or they haven't - and they must then say so and stop bluffing.

 

You might also want to bone up on the full Carey judgement (you can get it from Google easily) and quote the relevant bitys about enforcement and providing a full trail of all original copies each time the T&C's were changed - but this shouldn't be necessary if they understand what CPUTR 2008 does to them.

 

Anyway it's nice to see someone force them to spend so much time creating such a clever pack of lies!

 

Good luck!

 

BD

[Bigdebtor]

Thank you very much for the comments -

 

Ok here's a proper copy right way round and without the balance !

 

Where can I find a copy of the letter CPUTR 2008 letter - bearing in mind what I got from Citi there seems to be a lack of proper documents around ?

 

Look at this post and others earlier on from PriorityOne on the same thread - might be just what you need to do now?

 

good luck!

 

BD

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?173201-why-you-shouldnt-use-section-77-78-CCA-1974-if-you-want-the-signed-agreement&p=3209722&viewfull=1#post3209722

[Bigdebtor]

Magda

 

There is a spreadsheet on the site you can use, but it can get complicated if the OC kept changing its contractual interest rates.

 

You can charge interest on each individual unfair default charge from the day they impose it right up until it gets refunded at THEIR Interest rates. In addition if they don't settle out of court then the court will award a further 8% statutory interest on the amount claimed.

 

Hope this helps?

 

BD

[Bigdebtor]

You could - if you're feeling generous to these leeches - but once you have the spreadsheet set up it's dead easy to chnage the interest on a month by month basis.

 

BD

[Bigdebtor]

Magda

 

OK - let me know if you want any help. I've done quite a few such spreadsheets - and it's amazing how quickly the amount of refund rises at their rates compounded monthly! They should give you all the statements for at least teh last 6 years.

 

Incidentally don't believe any guff about only being entitled to recaim anything over £12 - or that the 6 year limit applies. You can reclaim ALL unfair charges IN FULL right back to the very first one issued (typically around mid 2000). There are a number of threads dealing with both points and sample letters too if needed.

 

BD