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    • Hi. I have received the SAR today. Looks like they did send a default notice, looking at it neither me or my husband remember ever seeing the letter. However, I know we cannot prove this like they can and have.... I guess there is nothing more I can do?  Thanks for all your help 
    • Dx thank you so much for all of your help this year you really are an angel you are a credit to this site and I’m sure 1000’s more would agree with me in saying that you are a perfect example of why nobody should lose hope in humanity the way society is starting to look today. I really can’t find the words to express my gratitude for your gumption. I really can’t apart from say thank you from the bottom of my heart. 
    • In terms of the result, in hindsight, I think that the manifesto possibly went too far.  I think nationalisation of utilities, railways and royal mail is a good thing due to the fact privatisation sucks money out of the system, and things end up being paid for several times over.   I'm not sure nationalisation of BT was such a good thing.  Our network is pretty rubbish and leaving infrastructure projects to private companies is incoherent and inefficient, but that might have been a step too far.   I disagree it's all Corbyn's fault because the Tory's campaigned on a very simple message - "get brexit done".  In effect, their manifesto was very basic, and labour haemorrhaged leave voting labour voters so desperately tired of the process.  There was a hell of a lot of anti Corbyn propaganda from the word go.   I said after the referendum that the Tory's would be screwed because they wouldn't be able to deliver on any of the promises made, and for a long time it looked like that would be the case.  However, I never took into consideration the effect of Boris Johnson would have because he's a very good salesman... I would bet my life on us having a deal by the end of next year, and whatever we're left with will be championed as a massive success... I'm sick of it all if I'm honest.  I've had people banging on about remainers can all shit up now, they lost etc, as if they'd won the lottery.  But when I look at it, it was all still based on nonsense and misinformation, so I think we've all lost.   We're now left with a Tory government that has a huge majority so that they can push through anything they like.  Where's the democracy there?  Leavers wanted more democracy, but Johnson having played a blinder, has secured less democracy and conviced them they're all winners.  Coupled with their promise to "renegotiate the relationship between parliament and the courts" I'm concerned all these leave voters aren't really thinking clearly.  I've also said all along that brexit was about the elite in our country having more overall control, and now they have it.  They've even convinced working class labour voters that it's in their interest.  How did this happen?
    • Hi  Received another scrawled letter this morning ,    just to to inform you that I am still waiting for further instructions from the court.    Please would you you provide me with a copy of my letter, where you have stated In your letter to me , dated 29th November 2019 ,  that my recent letter states I do not wish for you to instruct an expert or make an independent report on our behalf?    You also state that in my letter I also do not want your input in the Instructions letter to the expert.  Please forward a copy of my letter stating this to you.    Please forward where the judge states that I had to forward a written draft letter to you, with the instructions for the expert? Also where it states I needed to send you a copy for you to check to see if it’s appropriate.    Please would you send me the copy of my letter, sent to yourself, where you state , I have written all the above instructions to yourself .    Guessing she’s not kept a copy of the letters she has sent me. Oh dear!     
    • How many more times!!!  It was a global recession!!  Seriously, I feel like I'm in a cuckoo clock.  Answer honestly, surely if the country had been bankrupted the price of food would have shot up and we wouldn't have been able to draw any money out from a cash point?  These things are what I would expect if we had gone under as a country.
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old HFC Debt - now with TBI - Claim Form Received.

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Have a read of a non-compliance court success here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?208966-Me-and-Them-SAR-non-compliance-claim.-**SUCCESS**

 

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thanks ims

 

next step - i need to see if postal order is cashed then

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

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ok i have had my SAR now

 

alot of it is jargon print offs to be fair

 

i will do the sums for the loan and try figure it out

 

can you remind me which spreadsheet for front loaded PPi for loans

 

and which spreadsheet for credit card PPi

 

that i need to use

 

many thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

1st one for loan

 

CC's

 

2nd for int in restitution if you are prepared to goto court

 

or the last one via the FOS.

 

if they refuse

 

dx


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spreadsheets 

 

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good evening -

 

well this has ben sold/assigned to another DCA.

 

what is the best course of action? please read post #45 as that was not answered and also now this in the hands of another DCA even though my CCA request wasnt signed

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

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Good evening.

 

One DCA was chasing me for a debt - i sent them a CCA request a few years ago

 

they sent and unsigned credit agreement, some DD mandate with different dates on and some knock up statement.

 

The default has dropped off CRA files.

 

I think its isnt stat barred though i made a payment being naive and wasnt sent all details or proof etc.

 

Is an unsigned agreement failure to comply? I didnt write a letter to place in dispute and they have been sleeping dogs for a long time.

 

Now i have another DCA writing to me demanding all the payment.

 

what should I do now? since the default has gone, i dont think its stat barred but no signature on agreement.

 

so I write to new DCA and place in dispute? tell them the default has gone? I'm not sure what to do

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Start again with a CCA request. This time, follow it up by disputing the account.

 

Obviously the last DCA saw the folly of what they had provided or you would have been hounded to hell and back.

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cheers

 

so an unsigned agreement is not compliant then? it would have been from 2004 ish


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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cheers

 

so an unsigned agreement is not compliant then? it would have been from 2004 ish

 

Not necessarily - but the T&Cs may have been missing or something else was wrong. The behaviour of the previous DCA indicates that is was not compliant.

 

Either way your tale will not win much sympathy with the new DCA. According to their view, you have had a response to a previous CCA request and the account is not in dispute. You are, therefore, fair game from where they stand.

 

Nope - start again. CCA request to the new DCA. When you get a response, post up what you get for advice on whether it is enforceable or not.

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thanks I will do that then.

 

Keep you posted.

 

at least the default has gone! and that cannot be put back on


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Hi, well this was passed to DML so I sent them a CCA request. I have received a letter from TBi's in house "solicitors"

 

letter reads

 

were are in house solicitors who are due the sum of £XXX under the above agreement.

 

Our client company passed their file to DML to collect this debt on their behalf, however we have been forwarded a copy of your letter to them requesting a copy of the agreement in accordance with section 77 of the consumer credit act 1974. we are surprised that you have requested the same, as our client company previously provided you with a true copy of the agreement in 2010.

 

We enclose a further true copy of the agreement in accordance with section 3 of the consumer credit (Cancellation notices & copies of documents) regulations 1983. We also refer you to the high court decision in Carey V HSBC (2009), which confirmed that a reconstructed agreement is still a true copy of the agreement.

 

As we have now dealt with your request we trust you will cough up in order to avoid any legal action taken against you.

 

 

OK - "agreement" has no DATE - NO SIGNATURE - NO SIGNATURE on behalf of HFC bank on it.

 

DO i need to send Failed CCA letter? them seem pretty sure of themselves even though its not even signed??

 

thnks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Hi, well this was passed to DML so I sent them a CCA request. I have received a letter from TBi's in house "solicitors"

 

letter reads

 

were are in house solicitors who are due the sum of £XXX under the above agreement.

 

Our client company passed their file to DML to collect this debt on their behalf, however we have been forwarded a copy of your letter to them requesting a copy of the agreement in accordance with section 77 of the consumer credit act 1974. we are surprised that you have requested the same, as our client company previously provided you with a true copy of the agreement in 2010.

 

We enclose a further true copy of the agreement in accordance with section 3 of the consumer credit (Cancellation notices & copies of documents) regulations 1983. We also refer you to the high court decision in Carey V HSBClink3.gif (2009), which confirmed that a reconstructed agreement is still a true copy of the agreement.

 

As we have now dealt with your request we trust you will cough up in order to avoid any legal action taken against you.

 

 

OK - "agreement" has no DATE - NO signaturelink3.gif - NO SIGNATURE on behalf of HFC bank on it.

 

DO i need to send Failed CCA letter? them seem pretty sure of themselves even though its not even signed?


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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That was poor advice IMO, to have sent another CCA request, one is all that is required, now you have fallen into the letter tennis trap.

 

Not to worry,

As we have now dealt with your request we trust you will cough up in order to avoid any legal action taken against you.
Your words or theirs?

 

If this isn't on your credit file, then you should have just left well alone.

 

IMO, I would just send them this letter as your final response to the matter, and tell them that you will not entertain any further protracted correspondence from them.

http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent.

 

Edit to suit, and send it 2nd class but obtain 'proof of posting' from the PO counter which is free.

 

P.S. When did you take this agreement out?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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its from 2004 ish

 

Cough up was just abreviated...

 

the rest was their words.

 

the default has gone for this.

 

so whats the deal with the forms having no date, no signatures?

 

thanks


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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AFAIK and can remember, the agreements pre 2007 need to be an 'actual' copy of the original agreement, and not just a recon, although they can issue recon's this is not good enough should they decide to take legal action.

 

Do you know when you actually made the last payment? This would help immensely as to the next course of action.

 

I am inclined to say leave well alone after that letter, or even now perhaps, as they would need the original to take action. TBH if legal action was going to be taken then they would have done so years ago, and unless this circus outfit actually own this debt, then they can't do anything other than send you their puerile empty threats.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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2008 i think.

 

i had some paypoint card so cant find the actual date. around that time


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent.

 

Print that off and wait for their next missive before sending it, see what their next threat letter proposes to inflict on you.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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ok thankyou

 

so sit and wait then? dont fire this off just yet

Who should i write to now? the solicitors of the first DCA who just wrote to me or the new DCA i sent the request?

 

ta


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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Ignore the first DCA yes. I assumed that you had originally sent them a CCA request, they replied with a recon? You ignored them, and now they have passed it on to DML (debt managers Ltd???) Who you sent a second CCA request and they have replied with the above missive from Tbi Solicitors ?(Tilly Bailey & Irvine??)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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david jones solicitors, who claim they are TBI's in house solicitors. 2nd CCA recently was sent to DML and they have not replied and passed it back. Now david jones are writing to me


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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We also refer you to the high court decision in Carey V HSBClink3.gif (2009), which confirmed that a reconstructed agreement is still a true copy of the agreement.
Quite true, but for agreements before 2007 they need the original agreement, not a recon, to take it to court.

 

They love quoting Carey but forget who was the claimant in that case.

 

Listen to BB.


Illegitimi non carborundum

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thankyou BB and zydeco


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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what is this also?

 

We enclose a further true copy of the agreement in accordance with section 3 of the consumer credit (Cancellation notices & copies of documents) regulations 1983


Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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We enclose a further true copy of the agreement in accordance with section 3 of the consumer credit (Cancellation notices & copies of documents) regulations 1983
A bit of bedtime reading,

 

http://forums.moneysavingexpert.com/showthread.php?t=2080173


Illegitimi non carborundum

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Right so this is doing the rounds, classic case of a dodgy debt.

 

There is a letter you can send to Sols who threaten legal action when the account is already in dispute, but for some reason it won't allow me to access it??


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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