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    • https://www.consumeractiongroup.co.uk/topic/408156-cabotnolans-spc-claim-old-next-cat-debtclaim-dismissed/page/4/#comments https://www.consumeractiongroup.co.uk/topic/404240-arrowshoos-spc-old-newday-aqua-credit-card-debt-claim-dismissed-no-dn/page/4/#comments default notice win  https://www.consumeractiongroup.co.uk/topic/407490-meiii-cabotnolans-spc-claim-old-yorkshire-bank-loan-2nd-claim-dismissed/  
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    • With regard to your question on post 207 if you bring in the points that I made on the validity of the contract they are supposed to have with Peel holdings then mention that there are already doubts about the validity of the contracts that are being used by the PPCs and the OPS is a classic example. Once you are on there you should then try and get your other point in after that.   if it is in connection with the extra charge of £60 remind the Judge that the charge has been defined by many Court across England that the charge is an abuse of process which was covered in PE v Beavis at point 198    " The charge has to be and is set at a level which enables managers to recover the costs of operating the scheme"  IE the £100 charge covers all their expenses so nothing should be added.   as their WS claims an extra £60 that could be judged as perjurious since it is an additional sum that should be known by VCS and the author of the WS as a double recovery. Especially as they have already lost in Court for the same reason.   Another cause to prove that they do not comply with their Code of Conduct. file:///C:/Users/User/Downloads/CamScanner%2008-05-2020%2016.34.59.pdf  Byelaws are statutory not arbitrary as their WS said on no .42 .   Best of Luck.   The above URL does not work but this one does http://forums.National Consumer Service.com/index.php?showtopic=133001    [20.1 is where  VCS  lost then 20.2 where they appealed and lost again . But read the whole thread as it may help you in other ways too.
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    • stop doing nolans job for them... there are numerous threads here in the same forum yours is in     no DN info to follow   dx    
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Advice on Default from Argos credit card


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Hi everyone,

 

After checking my credit I have noticed that I have a default for just under £12 due to an Argos store card.

 

I sent them a sar for all the details and it seems I missed a payment back in 2016, which is weird as I have always paid via Direct Debit and carried on afterwards up until I close the account in Sept 2018.

 

Since the missed payment they marked my file as late payment and finally defaulted it in March 2018. 

I never received the default notice from them which is really annoying.

 

Looking on the ICO web site the way I read it I thought a default would only be registered if no payments had been made to the account for 3 - 6 months normally.

 

The most annoying thing is once I paid the account off they still took the direct debit leaving me in credit that was a headache to get back from them.

 

Thanks again

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I suggest that you begin by sending an SAR to the bank to get the statements particularly for 2016 in order to see if there was a missed payment, if the direct debit became deactivated for any reason and also if you had the necessary balance in your account. Go from there

Which bank?

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  • dx100uk changed the title to Advice on Default from Argos credit card

there is no 3-6mts limit

a credit card issuer can issue a default notice after one missed payment.

 

 

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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