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    • I'd appreciate a bit more advice on this complaint. After the non budge phone call they've actually emailed me this morning which I've copied below.  I have now complained to the fos but haven't heard anything from them yet. Should I respo d now to this email, and if so what should I write? Or just leave it now to the ombudsman?  Thanks again   Good afternoon   Further to your recent email, I have reviewed your comments about why you didn’t complain about your loans until now, and I need some more information from you. Please be aware that without speaking with you I may not have enough information to come to a conclusion as to whether or not the 3 year exception applies to your circumstances.   Please can you provide more information to help us understand what led you to make your complaint. Was there anything specific that triggered you to make your complaint? Please provide as much information as you can.
    • Considering the wear was on the inside tyre wall and not having a ramp or lift in my back pocket I unfortunately did not want to crawl under a car in a showroom. By the way no tyre kicker here, I did my research on the car I wanted and price I wanted to pay, found a dealer with good customer feedback and took the car for a test drive. All I did wrong was trust a car dealership and as you say maybe if they valued a customer they would offer to pay for the tyres, but I suppose we can put dealerships in the same boat as estate agents....blunt truth!
    • Vast improvement...couldn't have drafted it better myself     just requires a few tweaks and a little polish and a good conclusion which I will draft for you in the next couple of days.   Regards   Andy
    • just a quick update on my witness statement. all advice appreciated   In The *******County Court   Claim No. *********    ************** Claimant and *************** Defendant     I am the defendant in this case and make this Witness statement in support of my defence in this claim. The matters set out below are within my own knowledge, except where I indicate to the contrary.   1. It is my understanding that the claimant is an Assignee, a buyer of defunct disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 15p in the £1 and which the original creditors have already written off as a capital loss and claimed against taxable income. Idem Capital securities issue claims to circumvent and claim the full amount of debt to maximise profit.     2. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchase’s debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   3. I accept I have in the past had financial dealings with HSBC. That being a Loan Agreement and a Current Account with overdraft facility, neither of which had a credit limit to the value the claimant purports to be allegedly outstanding. I do not recall the precise details of the agreements but do recall it was on or about the year 1998.   4. I had been paying regular monthly payments via a debt management company (************) up until xx/xx/2017, I ceased payments once I realised that I was being charged a fee to use they services.   5. After seeking advice this led me to check all paperwork I held with creditors, from this I could not find any Credit Agreement relating to the account the claimant is referring to.   6. I have therefore sought clarification and requested copies of the agreements from the claimant by way of a section 77 request and a request pursuant to sec 61 B of the CCA1974 for the amalgamated alleged amount.   (EXHIBIT 1)   7. A CPR 31.14 request pursuant to sec 61 B of the CCA1974 was sent 27/11/2018 via Royal Mail signed for and shows as received 29/11/2018. A Request for the following documents was made:   ·         The Demand/Termination Notice (Notice served under section 76(1) and 98(1) of the CCA 1974. ·         Notices of sums in arrears under running account credit CCA 2006 sec 86C.  ·         Notice of assignment  ·         A statement of account   (EXHIBIT 1A)   The documents that were finally received do not meet the criteria set out in section 61 B of the CCA 1974 To date No Demand/Termination Notice has ever been produced, no Notices of Sums in arrears has ever been produced. The notice of assignment does not appear to be an original, but a reconstruction of the original and no original has ever been received, the statement of account appears to be a generic copy and only start from 2007.   (EXHIBIT 2)   8. A Section 77 request was sent on 27/11/2018 via royal mail signed for and shows as received 28/11/2018. The claimant to date has failed to comply to my Section 77 request.   (EXHIBIT 2A)   The Claimant acknowledged by letter dated 13/12/2017 they were unable to supply a copy of the Credit agreement and have acknowledged that they are unable to enforce litigation action.   9.The defendant claims to have issued a Default Notice, and failed to mention a date that this was issued. I would like to point out that the claimant could not have possibly issued a Default Notice as they only bought the debt in xx/xx/2016 and as far as I can recall any breach with the original creditor would have been on or around 2009. The claimant as an assignee would not be able to legally issue a Default Notice as the debt would have already been terminated before assignment.   (EXHIBIT C)   I sought clarity of any Default Notice by the way of a CPR 31.14 request, sent via Royal mail signed for on 27/11/2018 and shows as received signed for 28/11/2018.The claimant has still yet to comply to my CPR 31.14 request with regard to clarity of any valid default notice issued, as yet I have never received an original or seen a copy of a valid default notice from the defendant.   10. This claim bought by the claimant is without merit and an abuse of court  process.   The claimant holds no valid documentation that can substantiate their claim this being:-   ·         No Termination Notice ·         No Credit agreement and acknowledge they cannot supply one, and acknowledge that they are unable to enforce. ·         No valid default Notice ·         A Reconstituted Notice of assignment   It would be far gracious and forthright for the claimant to admit that all the paperwork is a collection of copy and pastes in an attempt to convince the court that the claimant can disclose the legal valid documents on which its claim relies on.       11. I contest that the documents I have received do not meet the requirements and prescribed terms of a legal binding credit agreement, and that the claimant has acknowledged that they are unable to produce an agreement and are unable to enforce.   Having regard to the above it is respectfully requested that the claimants application is denied.     I believe that the that the facts stated in the witness state are true   Signed........   Dated.......      
    • Yes Ron, I did know that in the MOT it said near the limit and yes I was going to replace but........as I keep saying the garage that did the service said there was no way that in 2 weeks and 2 days to be precise and not being driven for around 90 miles could they possible so far under the legal limit. When you buy a car and keep it in good mechanical order yes you know that bills are “imminent” but not when it should have been picked up by the dealership if they had done all the checks that they said they did.
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    • My personal experiences of Future Comms 
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies

clipperthief vs RBOS

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4766 days.

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Hi, this is my first post, I thought I'd share this laughable response from RBOS with you all. I'd sent for my statements previously and recieved them, then put in a preliminary request for repayment and got this thru the mail this morn. It looks like an standard response to me, just wondered if anybody else has recieved the same letter?


Note the pathetic play on words to try and put me off reclaiming what is rightfully mine. This just makes me more determined to get my money back. :-x .....(I've edited out the predictable/boring bits...)


Dear Mr X,


Thank you for your letter of 18 May 2006 and I apologise for any dissatisfaction caused by the application of charges to your account.


We believe that our charges are fair, reasonable and transparent. blah blah blah....


The OFT is presently in contact with us and with seven other major credit card companies to discuss the level of charges on credit cards. It is important that I emphasise these discussions are limited to charges on credit cards only.


Consequently, against that background, we must differ with the views expressed in your letter and will not be refunding any of the charges applied to your bank account.


Again, thank you for taking the time...blah blah


Yours sincerely


Linda McHugh.

RBOS : £1064 : LBA sent 30/5/2006...:rolleyes:

MBNA : £1115 : LBA sent 30/5/2006...:rolleyes:

Capital One : £880 : Prelimenary request for repayment sent 25/5/2006...:rolleyes:

First Direct : :rolleyes:



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Pretty standard I'm afraid, on to the next stage, LBA, wont be long now :D



If you find my post helpful please click on the scales at the top. Thank you



Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled


CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)



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Virtually the same as the one I got last week but mine offered £500 in full and final settlement(I'm claiming £1100).

NatWest - Settled in full 22/05/06


RBS- Prelim sent 9/05/06 £1,147

£500 offer 27/05/06, rejected 30/05/06

LBA sent 25/05/06 :razz:

MCOL 15/06/06

Defence received 20/07/06

Settled in full 01/09/06 wahey!!!!!!!!!

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 4766 days.

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