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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Laddie18 vs HSBC


laddie18
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Just read the Lloyds TSB 'victory'!

i wonder if any of the mods could put what it means it laymens terms for us thickies if possible.

I am probably worried like most other people on here what this means to us.

 

Many

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Just read the Lloyds TSB 'victory'!

i wonder if any of the mods could put what it means it laymens terms for us thickies if possible.

I am probably worried like most other people on here what this means to us.

 

Many thanks in advance

 

John

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john - still thinking about that managed loan thing - apparently this is the very first step - if they can't provide a signed copy of the loan agreement then it may be unenforcable. here's the letter - and read around the thread a little you'll see a few are trying it...

 

Re:− Account Number Here

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. (Send with postal order for £1 by recorded delivery)

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act

 

I look forward to hearing from you.

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Thanks Lat,

 

Just cut and pasted will post tomorrow, anything is worth a try...

 

Again, the knowledge of the people on this site (especially you) amazes me

 

John

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Just been reading all the fallout out from the Lloyds case on the net.

 

Would be nice to hear from a qualified legal eagle on what their thoughts are on the case?

 

It is not going to put me off, i will be going through the paperwork and reading up more thoroughly as should everyone. it sounds to me like we should all be able to produce t&c of when we took put the accounts with the banks?

What do other people think>

 

John

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Hi Lat,

 

Just been thinking about the managed loan thing, i have not done anything about it yet.

I am going to ask them for an overdraft to cover the Overdrawn amount on my account and explain to them that this is going to be a hell of a lot cheaper then me taking out another managed loan.

I think that their reply may go along the lines of NO as i do not have a good credit score etc, but surely if they are prepared to offer me a LOAN they should be prepared to offer a temporary overdraft (temporary until i get my excess charges back from them (should i mention this?)).

 

Wonder if anyone else has any suggestions?

 

Cheers and the beers will be on me once all this has been sorted.

 

John

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why not say to them something like = i am expecting some money in within a couple of months, so were you able to extend to me an overdraft for a couple of months - i will be able to pay it back -

and if they ask where it's coming from - you might just say from DG Solicitors. you just know they wouldn't be that helpful - when they could get you onto a managed loan and be able to charge you 20%. i really, really get mad when i think of those damn loans.

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It has just been on the 10 o clock news on the BBC with a little piece about the Lloyds 'victory'. They basically turned round and said that this holds no precedence on everyone claiming their money back!

 

Any one heard how Stax got on, i believe today was the day for court?

 

John

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  • 2 weeks later...

The postman has just delivered 13 envelopes from HSBC for 2 accounts (2 years missing on 1 account!!)

 

1 account worth £624

1 account worth £388

 

Thought it was going to be a lot more.... but never mind!

Prelim letter goes off for 1 account tomorrow, will give them another couple of days to get the missing statements to me...

 

How is everyone? What has been happening as i have been away with work for 2 weeks nearly. Its amazing how you miss how other people are getting on!..

 

John

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Hi All,

 

Postman turned up this morning with the missing statements.

 

Prelim Letter going off today to Colin Langdale

 

Account 1: £1013.50

Account 2: £388.00

 

Heres hoping for a quick settlement!!!:)

 

John

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Just recd a settlement letter from Intelligent Finance, as it is a little quiet over there i wonder if someone would have a quick look at my no thank you letter before i post it.

Cheers

 

John

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where is your no thank you letter? Is it on another thread, if not, post it here or PM someone (or me) and we will take a look at it.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Just click on my name and then click on send a personal message.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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