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    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
    • i have clarified your thread title and your post to make it easier to understand. if you have their engineers report, thats good enough. it will be their decision to repair, refund or replace. but they must under CRA do one of the above. to date how have you been in contacting the manu?  
    • Thank you both, I will make those changes. I have also downloaded the compensation list to add to the evidence and complete the protection bit off their website.  I am going to court next Thursday to deliver the bundle; I will confirm this on Tuesday. I have been to court a few times to represent the military when a soldier is in court, but I will be going. Thank you for all the additional advice. Once I have the whole bundle, I will email it to the admin email. Ill be honest, this is not about the money for me, I do not mind losing that, so I will not be signing a confidentiality agreement.   You guys are amazing
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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shABBEY again - I have credit card/loan accts with them too....


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Hi all

 

I'm new to all this! I wrote to Abbey back in April re charges of £440 levied on my account after I slipped over my limit by £150 while waiting for a cheque to come in. They subsequently charged a further £179 when the £440 charges pushed me over my limit for the second time...! I'm self-employed, and my income is pretty low at the moment, as well as fluctuating, and the charges swallowed up a months' worth of income in one go, leaving me no choice but to increase my overdraft considerably, and then to renew my loan for a larger amount over a longer period just to keep going...

 

I'm worried about going for legal action because I have both a loan of £7500 and credit card debt of £2500 outstanding, both with Abbey. I received letters from Abbey saying that they wanted to be sure they understood my claim properly, and apologising for the delay in responding ( the last 8 weeks after my original letter!). THEN they wrote saying they'd misplaced my correspondence!!! I think they're having a laugh....

 

What to do?

 

UPDATE: They've offered me a GOGW of £50 which was paid directly into my account without any further ado...

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Hi mee.....Post a new thread in the abbey section and the "experts" will be along soon to help you...Good luck.

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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