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    • as long as the letter is not entitled letter of/before claim' you are safe to ignore it...   however, have you moved since taking this card out and have not/did not since inform in writing to either MBNA or a DCA that you moved...thus they have from YOU notification of your correct address?   dx  
    • Mine does have a date on top right - 18th March. 
    • Hi there ,   Received a letter from gobal arrow 2nd of may stating they handed my debt to shoosmiths solicitors for collection. The account was opened 2005 with mbna and defaulted i think 2008 when made unemployed  Balance £2200.   I paid a few token payments for a while to various DCAs but then stopped 2012/13 trying to track for sure with bank .   They sent a second letter 22may with 7 day countdown saying they're going legal if arrangement not made.   If checked my credit file and there is no defaults present or dates so its dropped off but i don t know when.   My credit file has been excellent for the last 5 years with every payment to date now afraid of a reset.   Any advice as i am unsure how to approach this .   Thanks 
    • The company is gone,so like a deceased person who has capacity for OOT?
    • Could an out of time statement create a liability?   Surely at the moment they are pursuing the OP as director of the now dissolved company and they can only go after company assets. if the company is gone, the OP isn’t a director: so in what capacity do they plan to make an OOT statement? They aren’t a director anymore.   Would it be better to not make the OOT, and say “the company has gone, there are no assets remaining to enforce against, and any personal assets I have aren’t subject to any warrant of control you may have for company assets”
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
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      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
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      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
dave466

Cabot/restons Claim form - old vanquis card debt

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I have received a letter of claim today from restons re: Cabot financial (vanquis credit card).

 

Do I

 

send a* CCA Request*along with the completed form:

 

box D*ticked

 

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

 

box I*ticked

 

I have requested by way of a* CCA Request*the signed agreement.

 

a complete set of statements detailing exactly how the debt has accrued:

I. All Transactions.

II. any additional charges, be them from the original creditor or the debt purchaser now sending me this form.

III. details of all contractual interest added by whom and on what date.

IV. Payments toward the Agreement

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Please read the details of the new pre-action protocol before doing anything.


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Yeah I've read that thanks.

 

Now under paragraph 6 of their faq which has all my details etc on about the debt it states

 

6. AM I ENTITLED TO SEE A COPY OF THE ACTUAL AGREEMENT?

 

NO.

 

the letter of claim explains that your liability is for money outstanding under a credit facility arising from a write an agreement you entered into and that a copy of that written agreement can be requested from the creditor.

 

However you are not now entitled to see a copy of any actual agreement you signed ie: the agreement with your signature on it.

 

As an example, under legislation, a creditor, when required to provide a copy of an agreement, is entitled to provide a reconstituted copy- in other words a template of the original.

 

So,if you do request a copy of any agreement please do not expect to a see a document which contains your signature.

The debt under the credit facility exists and remains whether or not you are now provided with a copy of the agreement.

 

We, on behalf of our client, may also advise you a copy of the agreement is not currently available (or any other document referred to in section 4 of the reply form)

 

Is this correct?

 

I thought i was allowed to request an actual copy I had signed?

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Thanks mate.

It says to sign the form do I need to as this will give them my signature

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god no

good spot why has that line gone from the file

i'll go put it back.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Yeah I've read that thanks.

 

Now under paragraph 6 of their faq which has all my details etc on about the debt it states

 

6. AM I ENTITLED TO SEE A COPY OF THE ACTUAL AGREEMENT?

 

NO.

 

the letter of claim explains that your liability is for money outstanding under a credit facility arising from a write an agreement you entered into and that a copy of that written agreement can be requested from the creditor.

 

However you are not now entitled to see a copy of any actual agreement you signed ie: the agreement with your signature on it. As an example, under legislation, a creditor, when required to provide a copy of an agreement, is entitled to provide a reconstituted copy- in other words a template of the original. So,if you do request a copy of any agreement please do not expect to a see a document which contains your signature.

The debt under the credit facility exists and remains whether or not you are now provided with a copy of the agreement. We, on behalf of our client, may also advise you a copy of the agreement is not currently available (or any other document referred to in section 4 of the reply form)

Is this correct?

I thought i was allowed to request an actual copy I had signed?

 

Not sure where the above as come form...its not part of the new Pre Action protocol ?

 

Andy


We could do with some help from you.

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Not sure where the above as come form...its not part of the new Pre Action protocol ?

 

Andy

 

It has came from restons mate.

They put it in as a FAQ.

Can I email you a copy of what they've sent once I get home?

Regards.

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Thought as much....must be one of their own additions to pave the way for not being able to disclose the agreement:wink:

 

Prefer you to post it here then all users can see how they are already manipulating the Protocol to suit their inadequacies.

 

You must only use the forms proved in the link DX as posted...not variations drafted by any DCAs or its Solicitors.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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I have added the reply form to that thread and a note not to use the one supplied with the DCA PAP letter

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I have added the reply form to that thread and a note not to use the one supplied with the DCA PAP letter

 

dx

 

:thumb:


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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dave we need to see that PAP letter they've sent

scan it up to ONE multipage PDF only

read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Prefer you to post it here then all users can see how they are already manipulating the Protocol to suit their inadequacies.

 

.

thanks. that would be interesting to see.


IMO

:-):rant:

 

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boy will it...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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restons pap in above post

 

so all they are doing is pointing out that because the agreement is post apr 2007 they don't have to supply the signed agreement.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Not particularly Post April 2007 agreements......any.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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All done and sent 1st class recorded

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moved to the provident forum until/if a claimform IS issued

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Received a letter today from restons acknowledging receipt of my recent correspondence and that they have forwarded my request under the consumer credit act to their client and have put the account on hold until they receive further instructions.

 

Regards.

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Today I have received the following.

Advice please guys.

Many thanks.

Will only let me upload 5 at a time bare with me please.

 

. Can a mod please merge as I always struggle wot h these attachments many thanks.

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ONE multipage PDF please

read UPLOAD


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks dx but what app is it for mobile phone as I do not have a pc or scanner?

Regards

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search for one!

make a multipage pdf app


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Really hope this works.

Taken me since yesterday to work everything out and hoping I've finally got to grips with it.

Thanks dx.

CCA return.pdf

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