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1st credit and old Northern Rock Loan & Card Sold to Co-Op - SB'd - Scotland


Tartan Barty
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Quite right to be cautious with this lot TB, dealing with set aside for daughter and so far they have said they have instructed their solicitors to withdraw the SD (they haven't!) and that the OC have repurchased the debt in reply to our CCA request and if you are watching this first Crud, yes I do mean you!!:mad:

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Great work TB.....keep it up....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Recieved the standard LCS 14 days to pay letter today so guess what........I gave TS the authority to pass on to OFT and the local TS so we will see what happens there! Bring it on......!

Probably printed by the same top of the range threatomatic computer that Worst Credit use

 

thPCstress1.gif

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Ask them to send you the ORIGINAL !!!!

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I have a NR/Co-op cc.

 

Long story short is that I CCA'd them over 2 months ago and heard nothing. In the interim I phoned to speak to the advisor who basically stated that records over 6 years are not kept.

 

Basically from what they were saying, anyone who opened a similar account will also find they have not got any "cca evidence" to give you.

 

Regards

 

Bank_Robber

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They are required to keep agreements until 6 years after the account has been closed

 

Co-Op have been very naughty.

 

Is it the Financial Crimes unit of HM Treasury that would give them a slap?

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Strangely enough I was just checking this morning when my last bit of meaningful correspondence was with them and this was September 2007 when I wrote the standard go away letter re unenforcable response to CCA request (it wasn't actually a CCA), since then zilch other than statements with added line of the situation on my account is very serious, have been waiting for something more terrible but to date nothing has happened ?

Professional Halifax Loather

 

"In the dark, all cats are grey"

 

Illegitimi Non Carborundum

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  • 2 weeks later...

Ok I have CCA'd the Co-op for a loan and an old NR credit card that they took over some time ago. I got back an application form for the credit card (:)) and an enforcable agreement for the loan except that parts of it are illegiable and its blatently a computer print out of a scan.

 

I sent them a 4 page letter explaining my concerns and what I needed from them to retify it. I got the usual 'we are sorry you have felt the need to complain balh blah' letter back.

 

I then get a reply yesterday with the old you have been paying for years, you have had the money, this is proof enough there is no dispute, we will send it to a DCA etc rubbish.

 

I could send them a similar letter back but they are obviously trying to ignore my requests.

 

Anyone got a good, short, [edited] letter when they won't listen???

Edited by jonni2bad
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too temepting

Edited by The GodMother

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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There is no point in trading templates with them - they still won't listen. I wouldn't do anything until they try to pursue the debt again. Then I would make a formal complaint to their Complaints Department that they are pursuing alleged debts that are in dispute ( in breach of the CCA 1974, the Consumer Protection Against Unfair Trading Regulations 2008, the Administration of Justice Act 1970 Section 40 and OFT guidelines). Send a copy of your complaint to the OFT for their information. Previous activity on the accounts is irrlevant - you are entitled under the CCA 1974 to ask for a copy of your agreements anytime and if they don't have them, there is not a thing they can do about it.

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My on going battle with worst crudit has taken a new twist. I received the standard LCS letter which said that they will not enter into correspondance with me etc to which I sent the 'I am slightly bemused letter....'. Today I get this......

 

http://i281.photobucket.com/albums/kk222/Tartan_Barty/LCS.jpg

 

Can you believe it, they reply to my letter saying that they won't reply......EH? :eek:

 

I am gonna have to send them a reply along the lines of 'thanks for replying to my letter stating that you will not be replying to my letter and I hope that you will reply again confirming that you will not be replying to my reply to which you won't reply!!! '

 

Anyone want to add anything?

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