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    • 1. Cabot and old sav credit card debt.. looks like for years he was scammed by clarity credit management out of money. Nothing new there, thats all rhey ever did. No signed agreement, no nothing to prove the debt. Sav credit would never have had a signed agreement. Card will be 80's era if not close too. Unenforceable!!   2. Natwest duo MasterCard..now rbs..cabot. No signed agreement. unenforceable.   3.  An mbna card from about 1999/2000 idem dca scammers no signed agreement unenforceable   4. Some kind of lloyds credit card, with idem. Theres a signed application form but that does not meet the requirements as there are numerous prescribed terms on that missing . Unenforceable.   5. Some kind of rbs secondary? finance no idea what, no agreement. Unenforceable.   pers id be totally ignoring them on all those. just because he got cash cowed for far too many years running the sb date to infinity, makes no odds to any of them.   old school..got had blind from day one, aided and abetted by yet again one of the so called charities, there to help..not!!   Dx    
    • Djokovic may not be able to defend his French Open title this year, according to the sports minister. I thought one of their ministers, can't remember who, might have said otherwise during the problems in Australia but this doesn't sound unreasonable.   Djokovic’s French Open title defence in doubt after Covid pass ruling | Novak Djokovic | The Guardian WWW.THEGUARDIAN.COM France rules all athletes will have to be vaccinated for sports events while French MP Stanislas Guerini says Novak Djokovic’s behaviour is...  
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    • Hi.   On the spreadsheet, the interest payments only stopped in July 2019, I have not paid anything to them since 2011.   CT is claiming that all deadlines to pursue a claim with the Ombudsman has long passed including the original claim for PPI to pay for the loan when off work due to ill health.   The National Debt Line said I should ensure that I can provide the 'exceptional circumstances' why any deadlines should be ignored and they stressed would be key to the Ombudsman accepting the claim as valid.   This backs up what CT are saying, no point in looking at your cliam further as the deadlines have passed - NOT with 'exceptional circumstances' it hasn't.   My claim is for:  1. My mental health condition at the time the claim was made (they can not say they weren't aware of that as they refunded £1700 insurance fee).   2. When a PPI claim was made, they never really dealt with it but updated the credit file from 2013 to 2019 as 'settled' therefore I would be right in presuming the dept was in fact settled, they wrote on my credit file it was.   3. They then updated the file in 2019 with missed payments and added a long term debt of £24k to the file, which they refused to change in 2019, but did change in December 2021, all of which I have screenshots of.   This caused me issues with credit as the score had flatlined for over two years until they did change it.   4. CT was deploying a deliberate attempt to 'buy time' to take me past the past six years deadline. After a long chat with Ombudsman, they have said my reasons for 'exceptional circumstances' are realistic and should be made as part of my claim.   5. My claim is for all of the 24k to be statute-barred/outstanding debt denied.   6. I am also seeking compensation for none payment of PPI and making it a condition of the loan acceptance and compensation for unlawful credit file entry causing considerable problems with seeking even simple basic credit such as mobile contracts. The claim is now with the Ombudsman and as long as I can overcome any issue with time limits, I will be fine and looking forward to nailing them to the rafters.   I have received an email from the Ombudsman saying the claim has been received.
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On looking through an old statement recieved from welcome finance regarding some old agreements, i have noticed that they issued me with new loans when they cancelled the interest on the old agreements, as i hadnt asked for these new loans and therefore there will be no signed CCA for these agreements, is it worth sending them a cca request, or are these new agreements a continuation of the old loans?

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Hi Chris

 

I think you need to give us more information. Why or under what circumstances did they cancell the interest on the old agreements? What information is there that there are new loans?

 

Steven

 

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Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

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NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

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sorry, defaulted on previous loans, agreed reduced payments, but the new payments appear to be on a new agreement number

 

But you didn't sign a new agreement I take it? I think they woud argue this is the same agreement and I think it has to be as a new one can only be made if both parties agree. I don't think merely changing the number makes it a new agreement.

 

I donn't know if anyone else has a view?

 

Steven

 

If this post is helpful, please click the scales

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Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Could be a new agreement.......on the other hand it might not be. I would send them a CCA request anyway (they may not have a copy of any agreement and even if they do it might not be enforceable).

 

As I assume you have defaults on your credit record I would advise reading this Remove Default Notices on a Credit File - We show you how

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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