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    • Did you send the note giving them the extension of time? When does the extension expire/date for issue of claim? I see that this thread started on 25 October. I have to say that when it started I thought it was going to be a quick fix and hadn't bargained for virgin's ineptitude which has certainly made it a lot more interesting but I'm hoping that March is going to be the month that it will finally all get sorted out. Surely someone responsible within Virgin has got to start taking a look and understanding the extraordinary mess that they have built for themselves and want to sort it out.  
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    • no go back and read my guide earlier CAREFULLY...
    • Oh ok.   I thought I would need to write some sort of defence when I acknowledge the claim on the mcol website.
    • woe SLOWDOWN>   your defence is weeks away. (day 33) no there are no templates as each claim is unique. however, if you use our search top right. for say claimform card you'll see numerous versions people have adapted based upon our std holding/no paperwork defence , one of which, might well be suitable.   get CCA/CPR requests running monday and get AOS done now on mcol, you've already lost 10 of your 19days to do AOS   then get reading up as i detailed above the more you read here the stronger we become   dx      
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Cash card account unauthorised overdraft default .


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Hiya 

 

Many years ago on this site there was something called default removal templates to send to creditors . In the form of letter one,  then a second letter then a third . 

 

Sometimes these were successful sometimes not I was just wondering do these things still work

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i believe there was a time when they were popular some  +10yrs ago but we never officially endorsed them as it was a bit of a myth 

and they were linked to freeman of the land twaddle. if a default did get removed it was typically because of another reason not as a result of that 3 letter process.

 

what's your issue and with whom

spill the beans

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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Hi 

 

I have a default on my account from bank of Scotland.  

 

I had a account with them for a number or years. 

A payment came out of my account which I didn't recognise and they refunded me. 

They then took the money back. 

Leaving my account in the negative balance. 

I buried my head in the sand and eventually it defaulted . 

 

It turns out the payment I didn't recognise was mine

the company just used a different name.

I never said this to bank of Scotland I just ignored their letters. 

 

My question is,  is their default allowed.

My bank account was a cash card account which is giving to anyone due to my credit rating .

There was no credit facilities available such as overdraft or cheque book.

It was simply a basic account to receive and withdraw funds.

 

On that bases I don't think I ever entered Into a credit agreement .

The funds owed to bank of Scotland is because of a disputed amount .

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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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Surely to register a default there needs to be some sort of credit agreement? 

 

A cash card has no credit features on it and no scope to every get any on it . 

 

 

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nope.

you went into an unauthorised OD that you didn't clear, they were quite correct to issue i think its called a facility notice under the section 5  CCA.

 

all your threads are concerning defaults recently, what is your real problem?

why are you desperate to get defaults removed?

 

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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