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    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
    • Santander have sent their final response and have agreed that they were in the wrong. They will be refunding me the amount I am due and £50 for the delay.  Just the interest factor would be more than double the £50 that they are offering. Thinking to just close this and move on. Is this what you would do?  Opened a FOS case on the 1st of June but haven't heard back yet. 
    • It just been delivered and ive had a live chat with p2g to get some proof of deliverey and they send me a picture of the parcel placed in a gas meter box which they class as a ' 'Safe Place'  and not placed into the hands of the buyer which is either a good thing as the buyer can claim he never received It so i can claim against p2g or a bad thing . Do p2g have coordinators when taking pictures and scanning of parcels ?  I know Royal Mail do ... I'm going to send the buyer a message and see what he says
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Cap1 & CCA return


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I am searching too - do you know either of their names?

 

His is Basil Rankine .......I think

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Spotted this-

 

 

 

They want 20% of your debt upfront as a "service charge":(

 

This is the same couple who asked friends to help them out in 2001 for their wedding reception. PAY PER PEW | Sunday Mirror | Find Articles at BNET.com

 

Some further info found on this couple below in the first reponse.Time To End Unfair Bank Charges

 

Can't find anything else specific to the case though.

progress.gif

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and amanda boyer

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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We have that under control, someone local to them is going to go and see them. Will let you know how he gets on.

 

Good idea, someone put this contact on the other thread

 

Rugeley Citizens Advice Bureau

7 Brook Square

Tel: 01889 577042

Fax: 01889 586126

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It seems to me that the c/c companies have dropprd a real clanger! Was it they issued cards ,only having recieved signed Application forms in many cases ? The changes in the act (2005-2006) corrected this oversight ? This is going to cost them big time !

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They say they are IFA's but they are not on the FSA register, Amanda shows as an ex director of a mortgage company but her old registration is CF8 and to be an authorised adviser it needs to CF21 or now is CF30, so thats a lie..

 

I think the website says it all....tacky and cheep

Live Life-Debt Free

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You are quite correct stapeley

 

Whilst it would seem convenient I do hope anyone on here will use the support available and not take the "20% fee" option

 

This can be achieved on your own, just need to be able to stay this distance, the same as when we were putting through the bank charge claims

 

All the support needed is available here, but obviously this case will help future claims

 

Their statement on the website that they were the first is a little hard to swallow though, I beleive Penelope Wilson would disagree!

 

Quite surprised the banks actually took them all the way to court - very interested to see the court papers when we get hold of them

 

Must have been a very minute part of the act (and looking at their example of the UPPERCASE and lowercase text, seems likely)

 

I also think if they plan that as a business model it is very badly flawed - if someone is going against the CCP for a £1k balance they get £200

 

For the amount of time and effort involved it wouldnt work out

 

Yes, they may be doing it out of the goodness of their hearts but sooner or latter they will be swamped and will need to hire staff, this would be impossible for the amount above

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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It seems to me that the c/c companies have dropprd a real clanger! Was it they issued cards ,only having recieved signed Application forms in many cases ? The changes in the act (2005-2006) corrected this oversight ? This is going to cost them big time !

 

That's how it looks to me - bizarre that the Law from 1974-2006 has been flouted completely! It's now up to us to spread the message...

 

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"We fully guarantee our partners service and any money paid to them is refundable if they are unable to cancel your agreement for any reason."

Let's hope they are willing to stay the distance and not jump ship, this would lead to less informed people being dragged further into the mire.

Capitalism is the legitimate racket

of the ruling class.

Al Capone

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HI

I would be interested to see any cases where the above has been effective in getting a record removed this is to help with an ongoing case.

 

Many thanks

 

Peter

 

PM Sparkie over the road.

 

Regards Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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That's how it looks to me - bizarre that the Law from 1974-2006 has been flouted completely! It's now up to us to spread the message...

 

 

ULTRA SHORT APPLICATION CERTIFICATE.

 

 

 

 

 

this is a consumer credit agreement.

 

Could this be the clanger?.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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ULTRA SHORT APPLICATION CERTIFICATE.

 

 

 

 

 

this is a consumer credit agreement.

 

Could this be the clanger?.

 

Do you mean anything like this one.........

 

Notice anything missing ??

 

creditors name

any terms?

any conditions?

anything ?

 

mon1.jpg

 

rgds

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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OK, they have replied to my email:

 

Dear Ian

 

Thank you for your email.

 

Basil and Amanda are the leading specialists outside of the banks and their solicitors, who know the full legal reasons why credit card agreements are improperly executed and most are unenforceable and can be legally written-off. We have the only judgment in relation to credit card agreement enforceability, as no others are available in public accessible resources. The exact detail of the judgment is our most closely guarded secret and has not been published by the Royal Courts of Justice. The bank in question is not going to make the judgment public for obvious reasons.

We hope that this answers your question.

Regards

Basil & Amanda

Looking dodgier by the minute...they have a secret judgement? Yeah, OK.

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OK, they have replied to my email:

 

Dear Ian

 

Thank you for your email.

 

Basil and Amanda are the leading specialists outside of the banks and their solicitors, who know the full legal reasons why credit card agreements are improperly executed and most are unenforceable and can be legally written-off. We have the only judgment in relation to credit card agreement enforceability, as no others are available in public accessible resources. The exact detail of the judgment is our most closely guarded secret and has not been published by the Royal Courts of Justice. The bank in question is not going to make the judgment public for obvious reasons.

We hope that this answers your question.

Regards

Basil & Amanda

Looking dodgier by the minute...they have a secret judgement? Yeah, OK.

 

 

Looks like they are pushing it for every penny they can get........

 

obvious "losers", but unfortunately they may get the less well advised people along, and end up making a small forune.

 

20%.....UP FRONT !!! you got to be joking, in my case that would be in the region of £2k.....where would anyone in debt get that sort of money?? Answer....borrow some more at a stupid rate. grrrrrrrrr

 

they are as bad as the banks..................muppets

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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20% upfront- yes.

 

However, in the likelyhood of a debt being written off, the borrower would be able to make a claim for damages caused by:

 

a) Harassment by creditors/DCAs

 

and

 

b) Unlawful processing of data by creditors to DCAs and CRAs.

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Why would you pay for advice you can get for free from CAG?

 

;)

 

I can imagine posts being made on such forums to "ask for advice" - I wouldn't be happy helping someone that is charging someone else for advice I'VE given them...

 

Maybe I'll start my own website "Credit Card Killer, Killer"!

 

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