Cap1 & CCA return

[davefirewalker]

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

 

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

 

Dave

[SL1210]

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.

[noomill060]

Check this:

 

Scroll down you will find a post from them dated last June. Their hearts aappear to be definately in the right place.

[noomill060]

Time To End Unfair Bank Charges

[Goldlady]

and amanda boyer

[noomill060]

I think Cannock CAB might be worth a phone call on Monday.

[ian1969uk]

I think Cannock CAB might be worth a phone call on Monday.

 

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

[humbleman]

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

[stapeley]

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 !

[B3rty]

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

[ncf355]

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

[car2403]

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...

[the main man]

"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.

[paulwlton]

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

[paulwlton]

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?.

[davefirewalker]

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 ?

 

 

rgds

 

Dave

[noomill060]

Note that their website states that only credit card accounts taken out pre-March 2007 will be entertained.

 

The repeal of s.127(3) post April 2007 is clearly involved.

[noomill060]

That joke of a CCA / application form goes without saying Dave!

 

[ian1969uk]

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.

[davefirewalker]

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

[noomill060]

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.

[noomill060]

Their "secret" judgement wont be secret very long.

 

If the courts wont publish the judgement, a request for it under the Freedom of Information Act to the Courts Service would bring a satisfactory result.

 

What reason could they give for not providing details of a judgement?

[noomill060]

And Basil's website is incredibly naive, unprofessional and ill thought out.

 

Indistinguishable from really bad [EDIT] sites.

 

Their company is not registered as a data controller at the ICO.

[car2403]

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"!

[noomill060]

absolutely.