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    • No it says the search was carried out on the 9th July.  Says it was a hard search that can impact your credit score and can be seen by other lenders.    
    • Package holiday firms should promptly issue refunds to customers whose holidays have been cancelled, even in spite of the “extraordinary pressures” they are facing during the coronavirus pandemic, the Competition and Markets Authority (CMA) warned on Friday.   The regulator noted that consumers have a statutory right to a full cash refund within 14 days of the termination of their package holiday, even if the reasons for the cancellation are “unavoidable and extraordinary.”   “We expect businesses to comply with these requirements where package holiday contracts are terminated due to the COVID-19 pandemic,” said Cecilia Parker Aranha of the CMA in an open letter to package travel sector.   “We are aware that many consumers have been promised full cash refunds, but these have yet to be paid,” she said.   https://uk.yahoo.com/finance/news/coronavirus-competition-and-markets-authority-package-holiday-refunds-100214568.html
    • that is not acknowledgement.   so what if moorcroft did a search. no-one bar you and they can see it anyway i bet the search was from before the time you updated the address too.   simply a trace to find your correct address to try and mug you blind   send the sb letter as advised.   dx    
    • All I put in letter was   Account Number   please be advised of my new address    my name or husband’s    no signature    I must admit apart from 2 of them writing back to acknowledge.  One of then NatWest I’ve heard from no one else.   Natwest did email to a old email address that we have access to but never use asking for us to reply confirming our address but we never replied.   Im just unsure why Moorcroft have done a credit search yesterday. 
    • you never ever ring a DCA nor email anyway no matter what you might think is a good reason   if the debt is SB'd then send cabot our SB letter from the debt collection section of our library.   dx       so you didnt follow the advice on your other thread from earlier this tear?  
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • 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.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies

the spreadsheet thing !

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hi very very new to this just reading all the info before i fire off my 1st letter.

i have all my info of charges from first direct online, so do i still need to send the data protection act letter ?? and when working out my charges does this have to be in the form of a spreadsheet or can it just be self explanatory wrote out by myself like in list form ???:confused:

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If you have all your statements and have worked out how much you have been charged, then you can go straight in with the preliminary letter.

I did a simple list for my schedule charges too.

The date, the reason (if there is one, quite often just says "charges as notified") and the amount.

Hope this helps.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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just what i needed to know thanks a million :p

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