Jump to content



  • Tweets

  • Posts

    • Hi FTMDave They initially requested £140 within 14 days. This has now gone to £182 after the initial debt collection firm took over (now back with CEL   The carpark had two options, pay-by-app and cash, we had n cash hence using the easier app. The app in the playstore has shocking reviews, im not the only one.   I wasnext going to get 'their hand' sent to me fromt he data controller, sending the following:   Dear Sir or Madam   Subject access request ( Data Protection Act 2018 / General Data Protection Regulations (GDPR) )   Please supply the data about me that I am entitled to under data protection law  relating to myself. - All photos taken - all letters/emails sent and received, including any appeal correspondence earlier - A PDT machine record from 23/11/2019  of payments - A record of online payments made using the Google Playstore APP that day - all data held, all evidence they will rely on, and - a full copy of the PCN, NTK - a list of all PCNs outstanding against me and/or this VRN, and I will remind here that any claim must be for all PCNs, not several separate claims.   If you need any more data from me to confirm my identity please let me know as soon as possible. It may be helpful for you to know that data protection law requires you to respond to a request for data within one calendar month. If you do not normally deal with these requests, please pass this letter to your Data Protection Officer, or relevant staff member. If you need advice on dealing with this request, the Information Commissioner’s Office can assist you. Its website is ico.org.uk or it can be contacted on 0303 123 1113.   Yours faithfully    
    • You need to read some more and then some.......costs are restricted in Small Claims Track....have a read of the above thread...same scenario...and its getting close to a hearing now....squeaky bum time for them.
    • OK, we can help you.   A couple of questions first.  You blanked out the amount they are claiming.  Can you tell us?  I bet they have added Unicorn Food Tax to their claim.   Also, can you remember if this was pay-by-app-only car park, or if there were other payment methods?
    • ok if you don't get your from the court tomorrow there are blanks here to send   let see. no immediate rush.
    • Hi Andy,    Thank you very much for your response. I'm just afraid if I take this to a small claims court and I lose, then I would need to pay their legal fees?
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

CPUTR 2008 questions and advice....


Please note that this topic has not had any new posts for the last 3417 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi.

 

I have sent Littlewoods the CCA letter and the £1.00 fee. and they sent me a letter saying they recieved my request and enclosed a copy of a credit agreement with my current balance and the APR but no name, address or signature. I am thinking this is unenforceable can any please advise.

 

Quick story about how i got the littlewoods account.

 

Back in 2003 my mum brought me and wife a dinning room table as a wedding gift, mum some months later died and the table had become danged due to poor workmanship. I called littlewood and was informed they would have to refund the amount back to the card it was paid with, i informed them that would not be possible as mum had died and the card was no longer active, after quite a few phone call they credited an account for me for the amount of the refund this we spent and some months we received a letter letting us they had increased of credit limit. At the time i through nothing of it but i never applied for an account or filled in any paperwork. were do i stand.

 

This falls under CCA 1974 and as such, they would need an original to enforce it through the courts. They might try and lead you to believe differently but if it's argued properly, it shouldn't go anywhere near a court.

 

 

The point here is a refund was spent fine a credit limit

increase accepted and spent with the recent case law changes

if this went to court it would stick, to accept and use the

money would clinch it before a judge.

IMHO CAG is not about avoiding debts such as this

which are openly admitted, this type of credit

is opened on the acceptance of the first order

as are most catalogue accounts.

I cannot believe that someone can state on the

open forum that they '' grab as much as they can and never pay it back''

Staggered:mad2:

 

No offence but the "point here" is that the creditor hasn't got its paperwork in order.... and the case law changes should have no effect on a CCA 1974 account, providing a dispute is argued properly.

 

:-)

Link to post
Share on other sites
  • Replies 354
  • Created
  • Last Reply

Top Posters In This Topic

I am working on a similar case at present P1,, not

with a refund spent, limit increase spent but

the paper work on the account, the obvious use

of facilities,and all the resulting statements signatures

for orders delivered, the 1st. Accepted order being

considered the start of an agreement and the receipt

of the goods ordered and some payment towards the debt,

being put forward by the creditor as proof of the debt.

together with a recon, counsel states no chance,

facility supplied, facility used, goods accepted, credit limit

increased more goods ordered and so on even the balance

of probabilities on this can only go one way IMHO.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
I am working on a similar case at present P1,, not

with a refund spent, limit increase spent but

the paper work on the account, the obvious use

of facilities,and all the resulting statements signatures

for orders delivered, the 1st. Accepted order being

considered the start of an agreement and the receipt

of the goods ordered and some payment towards the debt,

being put forward by the creditor as proof of the debt.

together with a recon, counsel states no chance,

facility supplied, facility used, goods accepted, credit limit

increased more goods ordered and so on even the balance

of probabilities on this can only go one way IMHO.

 

Agreed that once it's got as far as this, consumers would be on a sticky wicket... Despite CCA 1974 law being quite clear, once a dispute finds its way inside a courtroom, comsumers need to be represented by someone who's sh*t hot on consumer law (which needs money) and have a Judge who's not biased in favour of creditors.

 

Rich toffs have got off in far more serious cases...... through a combination of who they are, who they know and a Judge who probably plays golf with Daddy.

Link to post
Share on other sites

The counsel involved in this

is the best on consumer law that

I have seen in 20 years!!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
The counsel involved in this

is the best on consumer law that

I have seen in 20 years!!!!

 

Then I'd expect him to be familiar with the provisions of CCA 1974 and certain paras of the Waksman judgement. :-)

Link to post
Share on other sites
Hi.

 

I have sent Littlewoods the CCA letter and the £1.00 fee. and they sent me a letter saying they recieved my request and enclosed a copy of a credit agreement with my current balance and the APR but no name, address or signature. I am thinking this is unenforceable can any please advise.

 

Quick story about how i got the littlewoods account.

 

Back in 2003 my mum brought me and wife a dinning room table as a wedding gift, mum some months later died and the table had become danged due to poor workmanship. I called littlewood and was informed they would have to refund the amount back to the card it was paid with, i informed them that would not be possible as mum had died and the card was no longer active, after quite a few phone call they credited an account for me for the amount of the refund this we spent and some months we received a letter letting us they had increased of credit limit. At the time i through nothing of it but i never applied for an account or filled in any paperwork. were do i stand.

 

When was this debt taken out?

 

Most catalogue debts are unenforceable prior to April 2007, due to a lack of signed credit agreement, thereby falling foul of s.60/s.61/s.127(1) and (3) of the CCA.

 

I suppose morally you should pay back the credit you've spent, but I prefer the morals of the banks (i.e. grab as much as you can and never pay it back!!)>

 

But legally if you never opened an account and signed an agreement (Littlewoods always do this) why should you pay it back?

 

I have had my Littlewoods account declared unenforceable for this same reason.

 

Well, if it's unenforceable, why, morally, does the debt have to be repaid? The caselaw points out to it being 'gifted' to the debtor, and a gift doesn't need to be repaid - morally, or legally, in this case.

 

The point here is a refund was spent fine a credit limit

increase accepted and spent with the recent case law changes

if this went to court it would stick, to accept and use the

money would clinch it before a judge.

IMHO CAG is not about avoiding debts such as this

which are openly admitted, this type of credit

is opened on the acceptance of the first order

as are most catalogue accounts.

I cannot believe that someone can state on the

open forum that they '' grab as much as they can and never pay it back''

Staggered:mad2:

 

Most times, most CAGgers come to CAG for advice on debts - my advice is that you don't have to repay unenforceable debts, so the money that you would be paying them could be used to repay other debts (enforceable ones) and thereby avoid further action from creditors, potential bankruptcy/seizure of goods, etc, etc. It's all about priorities.

 

I'm yet to see any debt being unenforceable be chased without being written off - we surely aren't suggesting we repay debts that are written off? CAG is about challenging debts legally, not avoiding legitimately owed debts.

 

You could start a new thread in the relevant subforum, ckitchen - I can see an interesting, but off topic, discussion ahead... :)

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites

The countess had a Littlewoods account. It was taken out many years ago, no agreement was ever signed. The account was cleared and we decided to order a new TV, we changed our mind and canceled the TV, and ordered a better one. All was done over the phone and they turned us down. We then decided to make do with what we had. A little later we got a letter saying the TV would be delivered on such and such. We thought they must have changed their minds, and when the TV arrived we signed for it. Later on when we opened the box to set it up we realised it was not the TV we ordered but the one we had canceled. We phoned Littlewoods up and they said we had to keep it as we had signed for it and opened the box. The TV cost about a grand, and did not have to be paid for a year so with interest was about 3 grand. Not knowing our rights at the time we kept it and said no more. Just before payments where due we found ourselves out of work on pension credits. We wrote to all our creditors, and set up standing orders to pay them all an affordable amount. A couple of our "clubs books" would not give us details so they got nothing. Littlewoods did send us payment details but their reaction was to start charging us for sending letters at the rate of 2 or 3 a month. After a couple of months they started demanding the full amount to be paid plus all the future interest on the account (although they did say if we paid for it all they would only charge us a couple of years interest, even though we had only had it for a year). At this time we contacted National debtline and they advised us to send a CCA request to all our mail order club books.

 

Littlewoods wrote to us and said they could not supply a credit agreement as the account was too old, but they still kept writing letters and charging us for the pleasure. We decided to stop payments as the charges where outstripping the payments. They eventually stopped writing letters and I think they even agreed that without the CCA they couldn't do much but said they would still trash our credit file. later they sold the account to Lowell. Who then started writing letters.

 

We replied saying they had no agreement and some other stuff, later on (earlier this year) they wrote to us and said after considering everything they had decided to cancel the account and write off the balance.

 

All our other creditors have stopped adding charges but will not write off accounts.

Link to post
Share on other sites

I'm yet to see any debt being unenforceable be chased without being written off -

 

Is this true? I'm slightly confused, because on the one hand Brigadier is stating that if it can be shown the money has been spent, the case is going to go against you in court, regardless of unenforceable paper work, but you are stating that if its unenforceable its always written off. Do you agree that its all rather conflicting?

 

BF

Link to post
Share on other sites
Is this true? I'm slightly confused, because on the one hand Brigadier is stating that if it can be shown the money has been spent, the case is going to go against you in court, regardless of unenforceable paper work, but you are stating that if its unenforceable its always written off. Do you agree that its all rather conflicting?

 

BF

 

Conflicting? Yes. Confusing? No.

 

I can't recall ever seeing any unenforceable debt being collected - now, debts that are unenforceable probably are still chased before being declared unenforceable, or in fact, as happened with a lot of mine, they were written off before being declared. Especially these catalogue debts, as, generally, nothing is signed unless longer terms are agreed to. (and even then...)

 

I think Brig is referring to the moral argument of repaying, whereas my point is the moral and legal arguments go hand in hand - legally unenforceable = no moral obligation to repay. Hence the 'gifted' response earlier.

 

It's all about opinions and experience - all of which assist new folk coming here with queries and needs highlighting when relevant, me thinks.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites
Conflicting? Yes. Confusing? No.

 

I can't recall ever seeing any unenforceable debt being collected - now, debts that are unenforceable probably are still chased before being declared unenforceable, or in fact, as happened with a lot of mine, they were written off before being declared. Especially these catalogue debts, as, generally, nothing is signed unless longer terms are agreed to. (and even then...)

 

I think Brig is referring to the moral argument of repaying, whereas my point is the moral and legal arguments go hand in hand - legally unenforceable = no moral obligation to repay. Hence the 'gifted' response earlier.

 

It's all about opinions and experience - all of which assist new folk coming here with queries and needs highlighting when relevant, me thinks.

 

 

Thanks car, I'm with you on this one and agree that the money should be used to pay off the enforceable debts rather than the unenforceable ones.

I understand that they can still chase unenforceable debts (and thats happening with me at the moment), but time will tell if they actually go to court or are written off as I cant deny that the money was spent (all credit cards).

 

BF

Link to post
Share on other sites

I cannot believe that someone can state on the

open forum that they '' grab as much as they can and never pay it back''

Staggered:mad2:

 

You miss my point, that being that the banks, being both financially AND morally bankrupt would use any legal loophole to grab any money they can without any duty to pay it back. They even sh*t on one another!

 

On the question of Littlewoods catalogue debt with no signed agreement.

 

I sued them to declare my account unenforceable and won that bit. Unfortunately I 'screwed the pooch' in asking for interest paid to be returned since I missed allowing for the sums already written off.

 

Ah well you win some and lose some!

Edited by basa48
Link to post
Share on other sites
You miss my point, that being that the banks, being both financially AND morally bankrupt would use any legal loophole to grab any money they can without any duty to pay it back. They even sh*t on one another!

 

Can't argue with that :-)

 

Gez

Link to post
Share on other sites

I'll give an example of how I find this whole thing confusing. I have safely filed away, letters from more than one company, sent to me after CCA requests, stating that they dont hold enforceable documents and that while they can chase me for payment, they cant enforce in court. Now, since sending me letters like that, they are chasing and using statements like they ''may take legal action against me''!!

 

How would this go in court if I was to present their original letters admitting that they dont hold enforceable documents?

 

BF

Link to post
Share on other sites

As yet the OP has not stated how

the account was opened to allow him

to benefit from the refund due to his mothers

account, there would I think been some

form of agreement, as at a later date a credit

limit increase was offered and utillised to the

full it seems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
I'll give an example of how I find this whole thing confusing. I have safely filed away, letters from more than one company, sent to me after CCA requests, stating that they dont hold enforceable documents and that while they can chase me for payment, they cant enforce in court. Now, since sending me letters like that, they are chasing and using statements like they ''may take legal action against me''!!

 

How would this go in court if I was to present their original letters admitting that they dont hold enforceable documents?

 

BF

 

Well just because a creditor is unable to pursue in court (and even that is not a 'given') does not prevent them pursuing by 'other means', i.e. threat letters.

 

I forget the case, but I recall one judge did declare that 'enforcement' only begins at the courtroom door. To threaten legal action is not enforcement although it may well be 'misleading'.

Link to post
Share on other sites
Well just because a creditor is unable to pursue in court (and even that is not a 'given') does not prevent them pursuing by 'other means', i.e. threat letters.

 

I forget the case, but I recall one judge did declare that 'enforcement' only begins at the courtroom door. To threaten legal action is not enforcement although it may well be 'misleading'.

 

I have no problem with the threat letters, I'm very thick skinned and can quite happily receive them forever! But what would happen if it did go to court and I presented their letter of admittance to the judge?

And, apart from that, if its true that ''enforcement only begins at the courtroom door'', if they admit its unenforceable, they shouldnt be able to get through the door in the first place!

 

BF

Link to post
Share on other sites

Rules on enforcement are have changed and

are changing our civil law is based on this system

what might not enforced a year a go possibly

could be now, and equally the reverse could be true,

much now hangs on the opinion and interpretation

of case law by the District Judges, and appeals in

civil cases are running at a higher level, from both

defendants and claimants.

I agree enforcement starts at the court door and

also that ''normal collection activity'' can continue.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
...........if its true that ''enforcement only begins at the courtroom door'', if they admit its unenforceable, they shouldnt be able to get through the door in the first place!

 

BF

 

Well yes, that is the point. I would expect anyone faced with a claim based upon an admitted unenforceable agreement (assuming it actually is unenforceable) to apply for 'strike out'.

Link to post
Share on other sites

I thinik the OFT still say it is a breach of their guidelines to threaten something the Creditor knows they are unable to follow through.

 

So if they threaten legal action, knowing that is a step they are unable to take .. it is surely misleading and harassment?

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

 

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

Section 2.4 (b)

 

It is unfair falsely implying or claiming that action CAN or WILL

be taken when it legally cannot.

No mention of may or might type threats:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

It is and is frequently used, I have

a letter from a Government minister

regarding letters sent by DCAs collection debts

for various department, which actually says

it is ok to say that legal action may / might take

place even when a debt is stat barred as does

not say action WILL take place!!!:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

This is the whole crux of this thread, though, guys... In the past "may"/"might"/"could", etc, would have gotten away with it, but those terms are unfair under these regulations, as debtors will take action on receiving them which they aren't bound to take - this is where the unfair trading comes in.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

Link to post
Share on other sites
This is the whole crux of this thread, though, guys... In the past "may"/"might"/"could", etc, would have gotten away with it, but those terms are unfair under these regulations, as debtors will take action on receiving them which they aren't bound to take - this is where the unfair trading comes in.

 

I've sent of CPUTR letters to these people, as per this thread and so far not received anything concrete back, just fluff, so it seems a good option, another string to our bow.

 

BF

Link to post
Share on other sites
I've sent of CPUTR letters to these people, as per this thread and so far not received anything concrete back, just fluff, so it seems a good option, another string to our bow.

 

BF

 

Because they are pretty new regs, there needs to follow some caselaw on how they apply and the impact - I think, because of this, they won't really know what to do with your correspondance :)

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...