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un1boy - N1 issued for breach of CCA request


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Un1,

 

dont get stressed mate

 

Ignore the FOS , its the courts opinion that matters

 

And the courts opinion can only be that it cannot be enforced as the agreement has no prescribed terms!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Just a thought, has anyone tried complaining to the Banking Code Standards Board? On their website Banking Code Standards Board their mission statement is:

 

''to monitor compliance with and enforce the Banking Codes and to ensure subscribers provide a fair deal to their personal and small business customers.''

I am ofcourse referring to section 13.6 on the Code

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Just a thought, has anyone tried complaining to the Banking Code Standards Board? On their website Banking Code Standards Board their mission statement is:

 

''to monitor compliance with and enforce the Banking Codes and to ensure subscribers provide a fair deal to their personal and small business customers.''

 

I am ofcourse referring to section 13.6 on the Code

 

oh God yes. They aren't interested - they agree with the banks.

 

To quote one of the guys:

 

"9 out of 10 customers who complain to us are in the wrong"

 

When I asked him to put that in writing, he said he didn't want to speak to me anymore and put the phone down on me.

 

The banking code aren't worth the paper they are written on.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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oh God yes. They aren't interested - they agree with the banks.

 

To quote one of the guys:

 

"9 out of 10 customers who complain to us are in the wrong"

 

When I asked him to put that in writing, he said he didn't want to speak to me anymore and put the phone down on me.

 

The banking code aren't worth the paper they are written on.

 

Really, how unprofessional. It seems all these organisations are flawed, though i haven't tried trading standards yet, did you have any joy with them?

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Really, how unprofessional. It seems all these organisations are flawed, though i haven't tried trading standards yet, did you have any joy with them?

 

Yep, really! All of their attitudes are stinking - he was so patronising - I'm glad he hung up actually.

 

My TS are actually taking this seriously at the mo - can't say much more than that at this stage, but I'm quite impressed.

 

They seem to be the only ones!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, so I've got the notice of issue from the court! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, so I've got the notice of issue from the court! :)

 

Hello Un1boy,

 

Your up early:D Just read your thread and am most impressed at your tenacity. Keep going you are an inspiration to others:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Uniboy, im after a bit of advice.....

 

Im in the process of taking 2 to court for no agreement, 1 has never been supplied, the other keeps supplying one without the signature boxes and have passed me off now, so confident they dont have it.

 

On the N1 form, they ask for a brief description of your claim, how brief was yours if you dont mind me asking?

 

Thanks

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Hello Un1boy,

 

Your up early:D Just read your thread and am most impressed at your tenacity. Keep going you are an inspiration to others:D

 

Yeh, had a conference to go to for work.

 

Thanks for your kind words. I'll keep you updated....

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Uniboy, im after a bit of advice.....

 

Im in the process of taking 2 to court for no agreement, 1 has never been supplied, the other keeps supplying one without the signature boxes and have passed me off now, so confident they dont have it.

 

On the N1 form, they ask for a brief description of your claim, how brief was yours if you dont mind me asking?

 

Thanks

 

I just said - breach of request made under section 78 of the consumer credit act 1974.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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hehe, no probs!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Subscribing

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Thanks guys, will let you know what happens!

 

It's been 7 days now! Should be acknowledging anytime soon!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy vs Experian - Default removal

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excellent stuff, looks like this case could set a precedent, been looking everwhere for other similar cases of this nature that went to court, found none so far! Will be filing my N1 very shortly

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excellent stuff, looks like this case could set a precedent, been looking everwhere for other similar cases of this nature that went to court, found none so far! Will be filing my N1 very shortly

 

Hiya Shane. Unfortunately this won't set a precident and it is being heard in the small claims court.

 

Although I would be VERY surprised if they went anywhere near a court room with this one - they have far too much to lose.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Hiya Shane. Unfortunately this won't set a precident and it is being heard in the small claims court.

 

Although I would be VERY surprised if they went anywhere near a court room with this one - they have far too much to lose.

 

lol, didn't word that to well, what i meant to say was a precedent on CAG for other caggers to drawn on in their attempts to nulify uenforcablea agreements! Would of been nice though if this was being heard in the high court! a tad bit more pressure on you though i would imagine!!

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lol, didn't word that to well, what i meant to say was a precedent on CAG for other caggers to drawn on in their attempts to nulify uenforcablea agreements! Would of been nice though if this was being heard in the high court! a tad bit more pressure on you though i would imagine!!

 

Haha, I get it now.

 

Yeh, I kinda wish it was in a high court coz they don't have a leg to stand on.

 

So much pressure I don't need at the mo though!

 

How are your's coming?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Haha, I get it now.

 

Yeh, I kinda wish it was in a high court coz they don't have a leg to stand on.

 

So much pressure I don't need at the mo though!

 

How are your's coming?

 

slowly but surely, but that could just be because I'm lazy!! Still writing my POC's, which are strangely similar to yours! Hope you don't mind! :)

 

Have you read the following threads? Two cases that went to court regarding credit agreements, the first thread just goes to show how uneducated some DJ are on consumer law, no agreement provided but he accepted statements as proof of the debt and almost tried to enforce it on that alone! Lucky he didn't get a chance to and the claimant had a new judge second time around!

1. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/90012-just-been-court-cl-7.html

2. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/90701-creditor-unable-supply-cca-4.html

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All advice is offered freely & without prejudice

 

 

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Ok, they've acknowedged my claim with a view to defending it in full.

 

Why why why? I can't wait to see their defence - I'll post it as soon as I receive it! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Ok, they've acknowedged my claim with a view to defending it in full.

 

Why why why? I can't wait to see their defence - I'll post it as soon as I receive it! :)

 

 

I have to admit Un1boy much as i would like you to get your way out of court i would really like to see them try and argue this in court, heck i might even come down to your neck of the woods just to watch the trial!

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All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

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