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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • dx100uk
      Parking Fee Paid But Input Incorrect VRN - Discussion thread

      By dx100uk · Posted

      if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • dx100uk
      Advise on debt I currently hold

      By dx100uk · Posted

      receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
    • tobyjugg2
      I see Octopus have started using the old EON 'tricks to try an install smart meters

      By tobyjugg2 · Posted

      Currently - "the maximum daily price at 100p / kWh for electricity and 30p / kWh for gas – keep in mind that's a lot higher than the Ofgem Energy Price Cap, so if you can't afford prices to increase further, you're probably better off sticking with a protected tariff such as Flexible Octopus." Octopus Tracker is a product of our labs, available now to customers through our beta programme. Octopus Tracker is a beta product. Some things may not work the first time, and installations and processes may take longer than we'd like. Third party tech like In-home Displays won't always work, and on occasion data issues with smart meters can take significant time to fix or prevent things from working at all.   Copied straight from octopus   Feel free to shove it somewhere else    

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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Help with BoS Preference Account Please

sarahld
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sarahld

sarahld

Posted
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Posted

Hi,

Am new to the site, so please bear with me.

I have recently sent a CCA request for a BOS preference account and have received a signed CCA for a loan I had in 1999. I remember paying off the loan and at some later stage think I was offered the preference account, but cannot remember when. Am I right in thinking that the signed loan agreement does not apply to this preference account, should I send a SAR to see if they are linked?

 

Thanks Sarah

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sarahld

sarahld

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Hi Abby,

I have recently sent a CCA request for a Bank of Scotland preference account and have received a signed CCA for a loan I had in 1999. I remember paying off the loan and at some later stage think I was offered the preference account, but cannot remember when. Am I right in thinking that the signed loan agreement does not apply to this preference account, should I send a sar to see if they are linked?

 

Thanks Sarah

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Abby25

Abby25

Posted
Posted

Hi,

 

If there is no reference to the preference account on the docs they have sent you, and this clearly only relates to the car finance (which is the same way I got mine if you read through my posts on this ), then they have clearly failed to satisfy your CCA request, in respect of the pref account.

 

Write back and tell them so, they have already recd your £1 for a copy of CCA in respect of the pref account, so no need to send another, or indeed SAR them at this point (which is a £10 fee). You advise them that the account is officially in dispute, until they satifsy you request regarding the Preference Account held.

 

Now, they may well try the old "this is an overdraft facility and as such is a bank account, which don't have CCAs, and are neither regulted by the CCA74", if you have had a good read through my BOS posts regading my own account (and others), you will see that this is total carp - but we'll deal with that if they also try it on with you.

 

In the meantime, get a copy of your credit record (sign up for the free 30day trial and then cancel, try experian, or "check my file" - who hold the records of experian, equifax and callcredit" - look to see what they have registered the account as with the CRAs. If they are true to form it will be a credit card - if so - ibingo we have them.

 

Hope this helps ... shout for more guidance if needed !

 

Abs x

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sarahld

sarahld

Posted
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Hi Abs,

 

Many thanks for your reply, I've had another look at the cca they have sent me and the agreement seems to be half a page for the AA loan and half the page for AA Account, shall I upload a copy as the loan side has the following in the signature box 'this is a credit agreement regulated by the Consumer Credit Act 1974 but the AA account has no reference to this at all, although there is a signature and date from me there is only a signature on behalf of capital bank but no date.

Many thanks

Sarah

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  • 2 weeks later...
sarahld

sarahld

Posted
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Posted

Many thanks

 

Hi Abs,

 

Many thanks for your reply, I've had another look at the cca they have sent me and the agreement seems to be half a page for the AA loan and half the page for AA Account, shall I upload a copy as the loan side has the following in the box 'this is a credit agreement regulated by the Consumer Credit Act 1974 but the AA account has no reference to this at all, although there is a signature and date from me there is only a signature on behalf of capital bank but no date.

I must have signed for it the same time I took out my loan, I have never had a card for the prefence account but used to have a cheque book.

Sarah

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  • 4 weeks later...
Abby25

Abby25

Posted
Posted

Yep .... go onto quick reply, and select go advanced. Where you will see a little after the text box, the option to manage attachments.

 

Or load it under photobucket and post the URL link to it.

 

Abs

 

 

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maroondevo52

maroondevo52

Posted
Posted

Hi, sarahld.

 

I've unapproved your attatchments, please remove all personal details and re-post.

 

Thanks.

 

Scott.

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