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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By Emily Carrington78 · Posted

      Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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      By unclebulgaria67 · Posted

      Is your current mental health causing you to apply negative thinking? If the answer is yes, then you should get some advice. The following website link enables free mental health support. https://atw.maximusuk.co.uk/?utm_campaign=EMP-ATW-B2C-B2B-leadgen &utm_medium=PPC Google Text&utm_source=Paid Seach&utm_term=maximus mental health&
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Halifax CCA Application / Agreement, does it comply ?

harrythehawk

By harrythehawk
in General Debt Issues

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harrythehawk

harrythehawk

Posted
Posted

Does this form comply with a CCA request ? It seems to be both Application and Agreement ?

 

Also, note the unticked boxes re PPI .... has been charged relentlessly for years !!

 

http://i72.photobucket.com/albums/i187/harrythehawk/Form/new_converted_app1.jpg

 

http://i72.photobucket.com/albums/i187/harrythehawk/new_converted_app2.jpg

 

http://i72.photobucket.com/albums/i187/harrythehawk/new_converted_app3.jpg

 

http://i72.photobucket.com/albums/i187/harrythehawk/new_converted_app4.jpg

 

Comments & advice please

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hellhasnofury

hellhasnofury

Posted
Posted
Does this form comply with a CCA request ? It seems to be both Application and Agreement ?

 

Also, note the unticked boxes re PPI .... has been charged relentlessly for years !!

 

http://i72.photobucket.com/albums/i187/harrythehawk/Form/new_converted_app1.jpg

 

http://i72.photobucket.com/albums/i187/harrythehawk/new_converted_app2.jpg

 

http://i72.photobucket.com/albums/i187/harrythehawk/new_converted_app3.jpg

 

http://i72.photobucket.com/albums/i187/harrythehawk/new_converted_app4.jpg

 

Comments & advice please

 

Hello Harry,

 

Some application forms can be credit agreements if they contain the prescribed terms, maybe post this on the credit agreement thread for comments before you proceed with anything.

 

As for the ppi, I think you have a good case :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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bathgatebuyer

bathgatebuyer

Posted
Posted

Looks like an application form to me, although I've been asking for mine since April and I've had nothing from them (well, other than an apology and a letter saying that it 'will follow').

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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rory32

rory32

Posted
Posted

Remember to thank Halifax for the copy of the unenforceable agreement ;)

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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bathgatebuyer

bathgatebuyer

Posted
Posted
Thanks guys, I should probably also mention the covering letter referred to it as the application form ..... I guess that is what it is then !! Yay !!

 

Did this come from the Dunfermline Card Services address or Halifax? My Sainsburys one (also listed as 'an application') came from the Dunfermline address and I wonder if this is a sign that neither Sainsburys nor the Halifax (who operate from the same addresses) actually keep the CCAs?

 

Hope not!!!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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rory32

rory32

Posted
Posted

HBOS own 50% of Sainsbury's Bank so it's no great suprise they use the same premises and systems.

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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  • 11 months later...
harrythehawk

harrythehawk

Posted
  • Author
Posted

Sorry to drag this up again, can't believe it is nearly a year now !! Anyway, I was reading another thread where a CAGer is being taken to court on a similar "application form" after involvement by BOS. I have just heard from them and assume this may end up in the same way, however I do have it in writing that this copy is my "Application Form" and I have been provided with a copy of a full blank Consumer Credit Act Agreement and the Terms & Conditions that would have applied at the time. Now these run into several pages and certainly are far more extensive than what is on the Application Form. As my copy is unreadable in parts anyway owing to poor copying I am still hoping that coupled with their continual reference to application form I am going to be able to defend this successfully if I do get to court ? Balance is around £2kish and I haven't paid a bean for well over a year. Looks like a default notice was issued last June, however the interest and charges have still been going on, I am not altogether sure of the implications of the default as this was issued whilst the account was in dispute re CCA and charges. Lastly, amazingly, amongst the scraps of paper my wife did keep is the Credit Card Agreement issued with the last card she was sent in 2006, again this isn't signed at all ?? Will keep you posted

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bathgatebuyer

bathgatebuyer

Posted
Posted

I'm at the court stage with them at the moment and the correspondence I have received from them purporting to be the CCA has even less info in it than yours! They have even described it as an application form in their correspondence with me thus far.

 

I have less and less respect for this shower after each passing day.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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