A little confused but easily done!!
I haven't sent them a CPR 31.14 as yet.
Literally ive just SAR Vanquis, CCA Lowell & filled out PAP.
Received documentation from both but not credit agreement and T&C's as you've confirmed from Lowell.
Do i still need to send the CPR31.14?
I haven't taken any county court action as yet because I wanted to wait for the reports from the bank and Cifas, just in case that would be needed to prove anything, but also, as I haven't had any correspondence at all from the bank I'm not sure what I could have done. The case manager at the FOS has told me Barclays agreed with his solution and said they will do what was asked of them, but that email is all I have. There has been no official letter detailing what they will do, just that email from the FOS.
The FOS sent them a letter which was copied to me via email, they listed their ways of resolving this dispute and gave them a time frame to reply. Barclays didn't reply in this time frame, so I chased the FOS, who then chased Barclays, and he emailed me to say they had agreed with his findings and they will be carried out within 28 days. 28 days took us to the 29th December 2019 and involved amending my credit record. Paying off the debt circa £778, paying me £150 compensation, and returning my own money which was in the account at the time of closure. But as I say, the only evidence I have of this happening was the email from the FOS.
Is this because there are a few blacked out areas on the report? Also, when you say follow the SAR link, what do I need to be looking at? I've clicked the SAR link but am not seeing what I need to look for I'm sorry.
Is there a genuine reason why the water rates were not paid ? Is there any particular reason why the claim was not defended ? Any reason why an N245 was not submitted to agree a payment plan ?
Topic title amended
please do not post jpg picture images directly to a post
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only
that way only logged-in,registered and approved caggers are the only ones that can download and see them
else anyone can see them caggers or not.
its now just over 2 years old, been in spare room as we had to buy another new one because of its faults, notified them with the first fault when it was 2 months old, and kept telling me they would get back to me
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/