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    • No more letters your Statute barred letter concluded matters and the fact its already been wrote of in your Bankruptcy.   Andy
    • If it is a zebra crossing with belisha beacons etc then it is a borough maintained road. As such and especially if it was a taxi that is even permitted to drop off passengers on red lines you have nothing to worry about. VCS do not control that part of the Airport at all. You only stopped for less that the 10 minute grace period that  VCS must give motorists and no contract can be formed between a motorist and a sign that is prohibitive.I am waiting for those numpties to issue a PCN to someone stopping at the zebra or is one supposed to knock the people over on the crossing  to avoid a ticket.   
    • I very recently received emails from Lantern about a payday loan taken out in Feb/March 2008. The email refered to the fact I had been looking at Bankruptcy options and they referred to our 'recent communication'.   I was declared Bankrupt in July 2008 and this was part of that.   That said, they sent me the email out the blue and after reading the content of the forums here I decided to send them the 'prove it letter'. At this point I only replied via email and did not give my most current address, which has changed since 12 years ago! The email was from the 11th September. I replied on 11th September with the prove it.   They then sent me the credit agreement on the 9th October, some 28 or so days later - I guess they ignored DPA and all that.   I replied same day via email with the statute barred letter. I got an instant replay saying that they hadnt heard back from me and needed me to reply.   I replied again with the statute barred letter.   They have since replied to that email with a request to provide details in order to comply with the DPA - name, address, DOB, email. I have printed the Statute barred letter, included my up to date address and sent it recorded delivery.   Is there anything else I should be doing? SRA request? I have definitely not been in touch with them for 6+ years so its absolutely statute barred. I could send them the details fo the bankruptcy but I get the feeling they will be difficult about that - I cant find my copy of the order so I would probably have to obtain a new one and pay - I'm guessing they would be difficult about just giving the reference and date and court and sending them a letter getting them to get in touch with the receiver, so I think im better with statute barred for now?   Any help or advice greatly appreciated.
    • Is there a template letter i can send ? cant seem to find one ?
    • Page 55 onwards....   New section 78A of the CCA requires that, in most cases, the creditor must inform the borrower in writing prior to any variation in the rate of interest27. This applies to agreements entered into on or after the date the new provision becomes effective, and also to open-end agreements that are already in existence at that date. The effective date is 1 February 2011 unless the creditor chooses to comply earlier. 12.2 Section 78A applies to all regulated consumer credit agreements other than agreements secured on land and unauthorised overdrafts.   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/422707/bis-10-1053-consumer-credit-directive-guidance.pdf   http://www.legislation.gov.uk/ukpga/1974/39/section/78A   Andy
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Tobes

Old catalogue account

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Hi - I paid off an old catalogue debt in full via a debt agency about two years ago...It has recently come to my attention though that there might never have been a signed credit agreement...Now, I know if they'd taken me to court, they would have lost, if that's the case...Would the same be true if I were to take THEM to court to recover the money? Or would the judge laugh it off...I ask because though I think there were a few charges, they put me through hell with letterrs and calls and demands of high monthly payments that I could ill afford when my finances started the go South...Obviously most of it I genuinely owed them, so morally, but I want vengeance for the way they went about it...What do you think?

 

DPA and stern letter or shut up, Tobes, you're being tempted by Satan? :o :p:roll:

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You can reclaim the charges, yes, the rest of the money, no. Signed agreement or not, you purchased the goods, you paid for them. No 2 ways about it.

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This topic was closed on 10 March 2019.

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If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4897 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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