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    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
    • I am sorry I am not aware of this report from IAS assessors? The Court will consider my application at a online hearing in June. The Court instructed me to send Bank copies of my sons condition proving he could not have been the driver I have heard nothing further. My son is not aware of any proceedings I have not involved him to avoid causing him distress, he has been sectioned a fair few times and I need to avoid this happening.
    • I am very pleased that the Court has taken the decision to allow you to  represent your son and hope that he is happy enough with that to relieve the stress he will also be feeling. I do agree that Bank parking are so insensitive, greedy, horrible etc etc to continue proceedings considering  in what it is a very minor case of a wrong number plate . Even their  own  IAS Assessors, who are normally hopelessly biased in favour of their members, went out on a limb and said  " The Operator's evidence shows no payment for the Appellant's vehicle, or anything similar. It does show two payments for the same registration in quick succession. I would take a reasonable guess, based on the circumstances described, that the person paying has paid for the registration of the person they assisted again." That is damning evidence and you must take that report with you as well as including that in your Witness Statement which we will help you with. I would expect that Bank would discontinue the case at that point.  But I am sorry to say  that you should not count on it.  
    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
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Quick CCA question


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Hello all, sorry if this is a dup post...

 

Anyway I've been wading through the info re CCA request and was intrigued when I noticed how I ignorant I was of such a brilliant little law!

 

What I want to know is, if it can be used to get DCA's off your back, can it be used to get banks off your back?

 

Say for example a current account. I sign an application form but did the bank sign it? I honestly cannot remember. Or would this not matter as they send out card and pin etc...

 

These come with a signed letter.

 

Tell me if I'm talking rubbish...

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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Tricky area, ive asked around and can't find the answer.

 

So im stuck on this one my self.

 

I think it may depend on what year you signed the current account agreement before or after the Data Protection act.

 

Also any overdraft doesnt need an agreement ,as it can be madeover the phone. However the overdraft sits in the account that may or may not be covered.

 

I wanted some clarification that the overdraft agreement and status of the current account were 2 different issues.

 

surely one is permission to open an account in your name and process your data and 1 is to terms of borrowing.

 

I had no ideal each time i agreed an overdraft faciliity i may have been renewing my current account agreement?? or wasn't i?

 

Strange as mine was authroised for extention of 6 months andi never even requested it!

 

Ive wanted to know if my bank have to provide the agreement for the account which holds my Overdraft and was signed in 1995

 

As they have not given me one under my S.A.R - (Subject Access Request), and i have an overdraft that i know they are going to kick up a fuss about.

 

Theres alot of information in this link

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html

 

but still holds no answers for my problems?

 

Good Luck

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The link you posted is the last thread I looked at. I must admit I had been at the com some time and I only got as far as page four!

 

Will look again tomorrow. I wouldn't of thought it was possible to get off this easily.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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The thread has grown to long and sadly its hard to stay focused and to take from it what is the bottom line information, as when you come across something that you think solves your question you must not stop reading as it changes again later as more details are uncovered and so it follows on. So you must read the whole thread, Which is extremely time consuming.:eek:

 

Its an excellent thread but will take you ages to read with no gaurantee you will get the piece of advice you are looking for.

 

At the end of the day you may benefit from reading back wards, as it has its own evolution going on:D

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Thanks I'll take than on board. I just can't believe a debt could be wiped out that easily?

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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