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    • the ref number should be on the label in their code. i seriously doubt £290 is interest on the sum the trainers cost to date...unless you used one of their buy now pay latter schemes whereby the interest can be 60% if the sum is not paid in the 1st 12mts. dx    
    • As far as I'm aware it's just the interest from the trainers. They have since emailed to say they have put my account on breathing space for 30 days so I can come up with a payment plan. No way that's happening. The email was from Frasers group financial services. I have to get in touch with studio regarding the missing trainers. I have emailed them. But it's going to be difficult, I think, I don't have the original order reference number. All I have is the tracking information and a returns label that was inside the packet with the trainers.    
    • it can be done online the very same day, stop panicking. make sure you read through my post CAREFULLY, compare ref numbers etc, so you know EXACTLY what to ask/tell DVLA has happened. once they find you payments and attribute them to the correct VEL account the matter should be resolved and the SJPN summons cancelled, though the DVLA phone OP might not know/have the authority to deal with that. dx  
    • you are in SCOTLAND you IGNORE THEM COMPLETELY. dx  
    • do any ref numbers or £figures match this debt? Backdoor Cabot CCJ - old Halifax Card debt - now AEO - Financial Legal Issues - Consumer Action Group as: Intrum UK acquires Capquest and Mars UK platforms from Arrow Global | Intrum UK WWW.INTRUM.CO.UK Credit management services company Intrum has completed the acquisition of the Capquest and Mars UK servicing platforms from European fund...  
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PPI- Can the Ombudsman get banks to 'find' Microfiche records?


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Hi all.

I recently read in the Sunday Times that even though some banks have told customers that they cannot find records regarding potential PPI claims because the claims are regarding loans that were over 6 years ago,

 

 

once the Ombudsman has got involved,

some banks have 'found' the records stored on 'legacy computer systems or microfiche'.

 

This sounds too good to be true.....is there any truth in this, please?

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yes weve seen it lots of times here

particularly with Barclaycard

 

 

we've also seen cases of hsbc having record back to the early 1990's

and one back to the 80's

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its the ICO not the FOS you refer too.

 

 

p'haps send HSBC the failed SAR letter first detailing what you want them to go look for and where

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Excellent!!

I've done a SAR with HSBC but they claim that their records didn't go back to when I needed (unfortunately 1996ish) so do I have to go the Ombudsman route to enquire about microfiche?

 

They are trying that one on with me... I have FOS involved and they have given HSBC some time to try and find details of my claim... Not sure what will happen if they don't find anything, however, I am lucky enough to have the original signed agreement, dating back to 1986, no less!

 

I had loads of loans from HFC, plus a mortgage... but not sure how I will claim anything without the agreements... (I do have the policy numbers on old bank statements, though... will just keep digging, I think!

 

Good Luck! TB

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Excellent!!

I've done a SAR with HSBC but they claim that their records didn't go back to when I needed (unfortunately 1996ish) so do I have to go the Ombudsman route to enquire about microfiche?

 

are these old HFC stuff your after

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no HSBC were not called HFC ever.

they just bought out the companies & assets

same as midland bank

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

yes we've known info back into the 90's twice and the 80's once

sar time

but to hfc not hsbc

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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