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    • Well tbh that’s good news and something she can find out for herself.  She has no intention if peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now- post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!  Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.  Somehow rekeyed as normal when I was called with the results.  A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
    • Hi Roberto, Read some of the other threads here about S Sixes - they all follow the same routine of threats, threats, then nothing. When you do this, you'll see how many have been in exactly the same situation as you are. Keep us updated as necessary .............
    • Nationwide's takeover of Virgin Money is hitting the headlines as thousands of customers protest that they will not get a vote on whether it should happen.View the full article
    • unrelated to the agreement then, could have come from Lowells filing cabinet (who lowells - they dont do that - oh yes they do!! just look at a few lowell paypal EU court claim threads) no name and address for time of take out either which they MUST contain. just like the rest of the agreement then..utter bogroll that proves nothing toward you ... slippery lowells as usual it's only a case management discussion on 26 April 2024 at 10:00am by WebEx. thats good simply refer to the responses you made on your 4a form response only. pleanty of SPC thread here to read before the 26th i suggest you read at least one a day. dx  
    • I think you have the supremacy of contract as it allows you to park in designated areas. I would argue that there being parking enforcement there clearly means its to be used as parking and as such you can use it under your lease. Only need to worry if they ever follow through with a letter of claim and a claimform though
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Topcat72 v Citicards


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have just posted my SAR, so started a thread just in case i need any help in the future...

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

have also CCA'd 1st Credit who they passed the debt over to.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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well theres a relevant post!!!!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 4 weeks later...

still nothing form either Citi or !st Credit. Citi do have another 10 days or so to reply to the SAR, but 1st Credit are now in default. CCA Account in Dispute letter to go tomrrow, and payments have been stopped.

 

an it turns out that the £1200 Lloyds quoted was actually £4100! it was £1200 or so for each account i had, totalling £4k!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 4 weeks later...

Decided to ring them to find out why I hadnt heard anything from them, and it turns out they sold all their credit card business to Opus, even the accounts that had already been sent off to a DCA.

 

I've sent a SAR to Opus and raised a complaint with Citi asking why they didnt return by postal order if they knew they didnt have my records.

 

And as far as the DCA is concerned, they failed to respond in any way to a CCA request so theyve had the letter putting my account into dispute. Still havent heard anything but I expect I will once they realise i've also cancelled my direct debit.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Citi one should really have passed on your SAR to the new data owner I would have thought :-(

 

As to the s77/s78 request you'll probably receive a letter next week stating that they are trying to get the agreement back from the OC (good luck on that, this is Citicards after all :)) but it'll state clearly you should continue paying otherwise they'll mark your credit file accordingly.

 

S.

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my response would be to let them mark it! my credit record is screwed up enough as it is, one more entry wont make any difference :-)

Edited by topcat72

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Have got a letter from Opus saying that they either didn't take the data in the first place, or if they did, they don't have it now.

 

So it was back to Citi to find out whether my data was transferred or not. When I rang them and I given a number for Citi Financial who I'll ring tomorrow, as they keep office hours only

 

Are there any legal limits on how long they have to keep the data for? I know they bang on about a 6 year limit, so assuming I have data from within that period, should i expect it to be held somewhere?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Data should be retained for 6 years after the account is closed according the money laundering regulations.

 

The company that is currently marking your credit file is the current data controller and imho the ones who should be providing all the info in regards a SAR, I think you should threaten Citi with a complaint to the ICO if they dont play ball and advise them you will be reporting both them and opus to the FOS as clearly neither of them are sure where the hell your account records are, shocking state of affairs imho.

 

S.

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after a phone call to Citis UK customer service department it turns out that not only did citi still have my original request, they also do still have my records. their excuse is that they are so snowed under they arent able to respond quickly enough to all the requests.

 

she also told me that because i have moved address since my account was moved to a DCA i will have to provide proof of my new address, and they also werent happy with the blank postal order i sent them, so id need to provide a cheque made out to citifinancial, and they will return my postal order.

 

im going to send them what they want, with a letter giving them 14 days to respond and provide my data, or i will be starting legal proceedings for non-compliance with my original SAR.

 

but at least i know who im up against now!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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but at least i know who im up against now!

 

Theyve never been fantastic at responding to a SAR, they will claim and the ICO will possibly back them up that the SAR applications 40 day timelimit doesnt start until they receive the full request..i.e the application, the form of payment and proof of address.

 

S.

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Fair enough! :-)

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

1st credit have replied, with a pile of statements. and a nice little surprise. a set of someone elses statements.

 

i rang them to find out why they had sent me the statements and it turns out that it is in response to my CCA. they, apparently, send statements out and then wait for citi to provide the CCA.

 

does anyone have any advice as to what i do with the other persons statements? my thought would be to send them to the other person with a covering letter explaining what has happened. any suggestions?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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You should make a complaint to the ICO about the lapse in upholding the data protection act. This can be done online at the ICO website, its just a word document to fill out and return by email.

 

 

S.

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  • 1 month later...

Well, have finally got my statements, and they go back to 2002.

 

They have said they dont have my original application form and agreement, so have not included them in the docs they have provided. 1st Credit have not even been in touch in relation to the account being in dispute, and with this admission I dont think they have any chance of getting any money from me in the future!

 

My question is, I am able to claim back my charges going all the way back to 2002?

 

There is also a sizeable chunk of PPI and i will be making a seperate claim for that.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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My question is, I am able to claim back my charges going all the way back to 2002? [/quote

 

Yes you can...you will need to use S32(1)© Limitations Act 1980 (Payments made under a mistake) to get around the six year business.

 

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  • 1 month later...

only had the standard "we are looking into it" response for the charges claim, but theyve agreed to pay my PPI in full!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

Still no response in relation to the charge claim, so LBA going off tomorrow.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 2 weeks later...

Muppetry.Sheer muppetry.

 

Citi appear to have passed my original complaint to Opus who have responded saying they dont hold any of my information. Which Citi already knows because Citi were the ones who responded to my SAR (eventually!!) and provided my statements.

 

Citi appears to have sold the accounts to Opus in March 2010, whereas my account became inactive due to my financial issues in January 2008.

 

Do I bother trying to find out why they did this, or should I just carry on and file as they are now outside the 14 days on the LBA?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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  • 1 year later...

A while ago i went through all my debts and reclaimed PPI and charges and managed to wipe out all of it apart from one debt that was with a collection agency.

 

With this one i wrote and asked them for a copy of the CCA under which they were enforcing the debt. They replied to say they do not have that document, and it was not provided to them when the debt was passed to them.

 

I also issued a SAR to the original credit card company, and the returned documents included everything (not just statements but computer records as well). When I asked for a copy of the CCA they said they no longer had it.

 

It has just occurred to me that as the DCA have never had a copy of the CCA, they have not been able to enforce depayment since they took over.

 

Does this mean that I can request for all the money paid to the DCA to be refunded?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Whoops, forgot I had already started a thread in relation to this debt.

 

Am moving this over there....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Time to resurrect this thread!

 

After sending LBA, I didnt get round to filing my claim with the court, so I'm going to start again with my first demand.

 

I have also heard nothing from the DCA in regard to my request for the CCA, apart from a letter saying they were not provided with the CCA when the debt was transferred, and, more recently, a statement of account (which is what reminded me that I still havent finished with this people!)

 

I also have a question about this:

 

If the DCA didnt have the CCA from the start, are any amounts I paid to them refundable?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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