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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Fendy v NatWest - 16K - **FINALLY WON**


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thanks hedgey,they are true words of wisdom (i hope), u should use all our tissues to mop up the mess thats been made in your house by the central heating!

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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its not the hard stuff fendy but it starts off on the "soft" ones doesnt it?!

 

Not necessarily honey. I don't tell people in my 'real' life this, but it might help you right now so here goes. My daughter's 18, beautiful, sassy, intelligent................... and at 17 she quit college, ditched her long-term boyfriend, slept around, drank booze till it was coming out of her ears, popped e's, smoked weed.............. and that's only what I know of. Think she tried some of the harder stuff but didn't carry on with it. She's just at the point now (after suffering a horrible beating by two girls while waiting for a tram - beating left her with 8 stitches under her eye) of realising that she fu*ked up. But it's never too late - and she'll get there. In fact, she's really starting to get there - and my beautiful daughter is on her way back and is all the wiser for being in the crap place in the first time. Because now she truly knows what she doesn't want out of life!!! So hang in there honey............. it happens to us all and it happens even when we try to be the best parents in the world. She'll be back, and when she comes back, you'll have your beautiful daughter back on track again. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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thanks hedgey,they are true words of wisdom (i hope), u should use all our tissues to mop up the mess thats been made in your house by the central heating!

 

No worries honey................ and how big's your box of tissues by the way!!!! ;)

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its great thanks,that must be awful though with your daughter.its sooooo scary.my son has had problems with cannabis for yrs,stealing and swearing in the house,i had to kick him out last year to safe guard the little ones,his temper is fierce. so it just makes it harder,i didnt see this one coming.im glad you r getting your daughter back now hedgey but what an awful thing to happen to make her realise!! kisses for her and you xxxx

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Archer, Im a firm believer in that THE SOFT STUFF DOESNT ALWAYS NECESSARILY LEAD TO THE HARD STUFF............. thats just tv talking.......... especially if your beautiful daughter is bright, and you say she is so I believe you.................. Dont believe the crap the papers peddle............. its a phase........... its not true. I know this because my my own mum works in behavioural support at my daughters school and counsells a lot of kids who do soft drugs who would never dream of touching the hard stuff and who postively hate any mention of the hard stuff. Please please dont fall into the trap of thinking it leads to hard drug addiction. It doesnt.............. thats just the press putting about crap. Im sure your daughter is just experimenting with her adulthood and new found self responsibility................ Dont cut her off.... simply tell her

 

"YOU LOVE HER, YOU WILL ALWAYS BE THERE FOR HER NO MATTER WHAT, AND IF SHE WANTS TO TALK ABOUT IT, YOU WILL ALWAYS BE THERE TO LISTEN AND SUPPORT, BUT THAT YOU WILL NEVER GIVE HER MONEY........ ie. in order for it to be used on drugs.................. but never withdraw your love. Never. Thats a big mistake a lot of parents do thinking the cruel to be kind thing works.......... It doesnt..... my mum tells me this mistake time and time again with some of the kids in her school where she works. Let them know they are wonderful, beautiful, talented, and you adore them, but that you will never give them money, i.e for drugs.............

 

JUST LOVE HER IN YOUR OWN HEART FOR NOW, and never turn down any offer of an olive branch.........

 

so sorry, I dont mean to lecture, but I feel so bad for you. Dwell on the positive in this. The fact she is talented, bright and beautiful, and let her know you think these things about her, and give her the confidence to get through this by herself to make the right choices. To give her the control back of her own life and let her make her choices, but never let her believe that you dont love her anymore. Thats a bad thing..........

 

Archer, there are worse things........... nothing in life is ever unsolveable............ and lets face it, we learn so much more from self experience, i.e. making our own mistakes and coming out the other side with a big silly grin on our faces and being able to admit to ourselves that yeah sometimes, we are a bit of a d*ck head, all of us............LOTS OF LOVE AND HUGS............ Fendy xxxxx

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It just goes to show that, like Fendy said, you can't blame yourself. Our daughter's been mollycoddled from the day she was born (and she's the only daughter with 3 brothers!!!) and treated like a precious princess- cos to us that's what she is!!! They come back to us in the end because they know who loves them, they know what's right and wrong.......... and they're good kids. Just leave the door open for your daughter.......... cos I think the only time they don't manage to turn it around is when they think the family door is closed.

 

Phew!!!!!!!!! Heart pouring thread tonight!!! Don't worry though honey (I know that's easier said than done!!) because she will realise and she will come home - but without the drugs. Lots of love xxxxxxxxxxxxxx

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thanks both you are diamonds,what lovely people you both are. i hope youre both right. yea and tonights thread is a bit different to the boobies one the other night!

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Archer, Im a firm believer in that THE SOFT STUFF DOESNT ALWAYS NECESSARILY LEAD TO THE HARD STUFF............. Archer, there are worse things........... nothing in life is ever unsolveable............ and lets face it, we learn so much more from self experience, i.e. making our own mistakes and coming out the other side with a big silly grin on our faces and being able to admit to ourselves that yeah sometimes, we are a bit of a d*ck head, all of us............LOTS OF LOVE AND HUGS............ Fendy xxxxx

 

Here Here Fendy............... well said honey.xxxxxxxxxxxxxxxxxx

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Yaaaaaaaaaa for us tonight. Hedgey ur fab, Archer I want to hug you, and yeah it is a bit different from the boobies and botties isnt it. Lol Lol. Just goes to show. Were human......... we can have a giggle about childish words like boobies, but when it counts, were really grown up when we have to be.......... Lol. Cripes this thread is like one heck of a roller coaster......................... Hedge, have an extra glass of wine for me and Archer................. Love to you both, you little stars.

 

Fendy xxxx

 

Archer, these are not empty words. Leave that door open for your girl. She will see sense in the end, and realise its not the be all and end all. Shes just breaking a few boundries for the first time. There are a lot lot lot lot worse things................. Honest. xxxx

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Yaaaaaaaaaaaayyyyyyyyyy............. totally agree honey!!! We can be completely potty - but we're here when it counts!!!

 

Right girlies............... extra glass of wine methinks!!! Back in 5....................!!!!!!!!!!!! xxxxxxxxxxxxxxxxxxxxx :p

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we were really close,so hopefully she'll be back. fingers crossed.

 

 

soooooooooo any news from the banks?

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Archer, she will be back, but dont ever say:

 

I TOLD YOU SO.......... they dont wanna hear it. Cheer up, give her time and space and let her know she is loved even though you ordered her out, let her know you still love her, and she will be back, hopefully when shes lived a bit learned too.................Lots of Love. I will be thinking about you. Fendy xxx

 

Re: Banks............. Nah, diddly....... not heard a dicky bird. Nothing. Nada. Sadly............. but I can wait........Im not worried. Fendy xx

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Totally concur with that one Fend............. that's what's saved our relationship with our daughter - an open door and we've never said told you so. Hold on archer............ she'll be back soon honey.

 

Banks? LBA sent today - 14 days and counting!!!!

 

Lots of love xxxxxxxxxxxxxxxxxxxxxxxx

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ive heard nothing either just rejected their offer of 2 thirds of the full amount, hate all this waiting.

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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right im off ,thanks for the counselling hedgey and fendy xxxxxxx hope you get you r electrics and central heating sorted out without too much cost!

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Tis bloody awful waiting......... especially when you're mentally spending the cash!!!!!!!!!! You was right to reject though......... hang in there - full amount is just round the corner!! (might need to wait a bit longer though!!!!!) xxxx :D

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yea i know,i have most of mine spent.i wanted to get moms kitchen done for her birthday but itll have to wait a bit,i might still get it before then fingers crossed

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Fingers crossed for a payout soon!!! (Think my fingers'll be broke soon with the amount of times I'm crossing them!!!!!!!!)

 

Right girlies............ apple juice is working, hedgey's feelin pis*ed - so I'm off to the bear garden for 10 mins before logging off!!!!

 

See ya' tomorrow............ lots and lots of love and hugs, hedgey xxxxxxxxxxxxxxxxxxxxxx:p

Can't find what you're looking for? Please have a look at Michael Browne's

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night hedgey xx

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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yea she prob will ! night fendy xx

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Okies, night Hedge............ sleep tight and dont worry about the pump thingy. It will get sorted............. life chucks junk at us from time to time. Its how we deal with the junk that makes us stronger. Lol. Enjoy the wine, and good night my friend. Fendy xxx

 

LBA off. Wooooo Hooooo, me thinks you may get an offer very soon Hedge. Heres hoping anyway............... Fendy xxxx

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Morning everyone

Huge applause for Hedgey and Fends I couldn't have worded it all any better :D

Hope you're feeling a bit better this morning Archer and I agree totally with everything that Fendy and Hedgey advised!

I know it's not any compensation but remember almost everyone in life went through the same rebellious stage at uni - it's the one place to actually expect it:)

Keep your peckers up and big glorious sunny morning hugs to you all xxxxx

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Morning my fellow Zany Caggers. Hope you are all well and fighting fit and prepared for all your battles with the Nasty Westee monster. Archer be strong , be patient and a happy ending will be yours.;)

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Aaaaaaaaaaaw Im feeling much love on this thread at the moment. Much love, to all and everybody. Still nothing from postie though, Lol. NVM, there are much worse things in life than waiting for a cheque........... Lol xxxx Fendy xx HAPPY THURSDAY, AT WORK SO KEEPING IT BRIEF TILL TONIGHT. MORNING PARKVALE.................... lONG TIME NO HEAR. Morning Caz................ Fendy xxx

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