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    • i think understand i was never in arrears, and my mortgage not commercial mortgage. this is cleary stated on my mortgage aggreement   As for my statements it stated that vety cleary solictiors the invoices solicotors are forged . i have court transcrpti to support the false costs.   am not guessing and for the interest in stated cleary separtely on my mortgage as well other costs that they cleary gentrated.    I was pouring I was stating facts .
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    • It won't let me post it  Ok it worked 
    • compensation is designed to put you back in a place where you started out so insurers will pay yu for a stolen watch if they cant actually replace the item with an exact same one. Now compensation is also given where recognition of a wrong is being offered so a company whose service has fallen below an acceptable level will usually send someone a gift in recognition of this. they cant be forced to offer money because you have made no loss they are responsible for so your expected eligibility doesnt have any grounding. If you had made a suggestion of what was a suitable gesture I'm sure they wouldnt have sent what they did but as the complaint was about an allergen then choccies or flowers would have been a no-no. i am sorry that things got complicated but their decision to let you decide how to distribute their largesse is commendable as well and i must say that a line has to be drawn under this somewhere.   You could ask for a discount code for your next purchase as you say you buy online as this is less in your face than asking for a voucher that may possibly be passed on in the same way that you can pass on their current offer.
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BadgerStudio123

Amex CCA request for F&F offer

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Hi,

 

I have been on a DMP since 2011 with a number of credit card debts, which all defaulted at the time. All are with external DCA’s now. I’m paying £80 per month, on an outstanding total debt of £20k.

 

I have recently been offered some money to clear them (not enough for the full balance), so have been investigating how I could best achieve this. I understand if a debt is deemed unenforceable, then I’ve got a better chance of a lower F&F settlement. I’ve submitted CCA requests (I did not do this prior to going into the DMP) recently and have begun to get the replies back.

 

I have had a reply from American Express (directly, rather than through the DCA, Allied International, which is who I wrote to). They have provided me with the data from the online application form, which was completed in 2005. This included an “e-signature”, which amounted to a “Y” that I agreed to the T&C’s. I understand that the absence of a ink signature after 2004 is not cause for making the agreement unenforceable.

 

They also sent a series of credit agreement text’s through to the point at which the default occurred. However, the first one is dated after when the card was taken out in 2005, so wasn’t the set of text that I would have agreed to at the time the application was taken out. Is this an issue?

 

Also, this text has a set of different interest rates for the various different card types. There was no indication within the online application data which card I had been offered and which interest rate I was on. Later versions of the agreements do have a single APR, although it isn’t consistently the same. Do these issues make the debt unenforceable? Should I SAR them as well so I can check the actual interest rates applied?

 

In terms of the offer for the F&F, do DCA's take into account the amount paid off the debt already through a DMP? I've paid between 35-50% off most of the original debts already - so I'm not minded to offer a great deal.

 

Finally, I also want to claim for the fees applied to the account when I was in financial difficulty - would it be better to do this before the F&F, or after?

 

Thanks,

 

Badger

Edited by BadgerStudio123

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