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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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    • dx100uk
      Caught fare evasion in tube station - jumped turnstile - now SJPN

      By dx100uk · Posted

      sorry but that letter needs to be much much better. you need to express that it was a stilly youthful mistake trying to be the big man and jumping the turnstile to look big infront of your peers. TfL prosecutors are on the email address on their first letter. get the court form sent back to the court , (but copy it first) stating you plead guilty and wish to attend to address the judge in person face to face to show your genuine remorse for your stupid youthful exuberance.      
    • Seven77
      Caught fare evasion in tube station - jumped turnstile - now SJPN

      By Seven77 · Posted

      I thought I should send the begging letter to the prosecutor. Does the hearing means the time I need to send back by? If so, it’s June 5  I plan to send the new begging letter as following, can I ask for some suggestions? Dear Investigator/Prosecutor,  Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.  I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.  I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.  Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.  I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.  I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.   Yours sincerely,
    • autumn53
      Lowell PAPLOC now Claimform - old E-ON £3K+ bill

      By autumn53 · Posted

      LoL Dx you crack me up. Thanks for the advice. I'll stay positive.
    • dx100uk
      Lowell PAPLOC now Claimform - old E-ON £3K+ bill

      By dx100uk · Posted

      Utter Rubbish!! lowell dont write and beg for deals once they start court. as for your attitude, we'll thats nothing new for you.😎 you wont be quizzed, it's not like TV, simply refer to your defence/WS when answering anything the judge may ever ask. well it involves chickens. dx  
    • autumn53
      Lowell PAPLOC now Claimform - old E-ON £3K+ bill

      By autumn53 · Posted

      Thanks fk, I hope I don't have to face the court. Bless you for the reassurance. 

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

Is My Agreement Enforceable - Useful

42man

By 42man
in Debt Collection Agencies

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Guest malissa7999

Guest malissa7999

Posted
Posted (edited)
BTW, as ukaviator says, if this all they sent it's completely unenforceable.

 

How long is it since you sent for the CCA? More than 12+2 days? More than 30 days?

 

IMO it's probable that they won't have an agreement anyway but you need to wait the statutory time to give them the chance to produce one before considering your options.

 

hello,

i sent my 1st request on the 2nd august,..and that was what they sent me,...there covering letter says should i require further assistance to call them..., so i dont think they will send me anything else,...i did call them and i was told that they will issue me a default if i continue to miss payments,..(even though they already closed my account on the 23rd july, without warning or default??..account was always paid ontime,they closed it cos i was owing £53 on the solo card account)..... he also told me that normal collection procudures apply, so assuming they are still going to add on interest,??.. he even told me that despite the fact i had removed my permission to process data to referances agancies, they will still continue to do so, as it is there procudure!!...they are so shocking!

 

do you think i should write to them again, telling them that what they have sent me isnt what i asked for, and that the original timeframe still stands?... or should i just leave it?...my concern is that if i dont write to them telling them that the account is in dispute they will give me a default by the time the 30 days r up.

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foolishgirl

foolishgirl

Posted
Posted

Malissa - think perhaps you should start new thread for this in HSBC forum as it looks as though it's going to go on for a bit...

 

In the meantime, IMO a letter to HSBC stating

(1) that their docs. do not fulfil the requirements of the CCA1974 for an enforceable agreement (you sound as though you know the content template)

(2) account in dispute, therefore no payments, no interest, no defaults etc.

(3) no telephone calls, all communication to be put in writing etc.

 

If you have problem finding the 'template' for the above, please post back & I'll help.

 

Note - the likelihood is that they will prob. default you anyway despite the above. Also do NOT phone them or speak to them on the phone.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Guest malissa7999

Guest malissa7999

Posted
Posted
Malissa - think perhaps you should start new thread for this in HSBC forum as it looks as though it's going to go on for a bit...

 

In the meantime, IMO a letter to HSBC stating

(1) that their docs. do not fulfil the requirements of the CCA1974 for an enforceable agreement (you sound as though you know the content template)

(2) account in dispute, therefore no payments, no interest, no defaults etc.

(3) no telephone calls, all communication to be put in writing etc.

 

If you have problem finding the 'template' for the above, please post back & I'll help.

 

Note - the likelihood is that they will prob. default you anyway despite the above. Also do NOT phone them or speak to them on the phone.

 

Foolishgirl, thanks for your help/advice,

i have already read on this thread a letter that i will copy and use,..i am however concerned that they will continue to process my data and give me a default even though this would be a breachj of the data protection act,..also i am very close to having my credit file clean this december actually, and a default would put me back to square 1,..would i be successfull in having the default removed?

 

i do have a thread, but i am getting more help and advice from this one (sorry)..this is a link to my thread http://www.consumeractiongroup.co.uk/forum/hsbc-bank/153426-hsbc-have-cancelled-my.html

 

im just not getting enough advice on my thread:(

 

thanks

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Guest malissa7999

Guest malissa7999

Posted
Posted

hiya,

 

please can someone tell me what exactly has to be on the prescribed terms of a cca for a credit card?... i know it outlines it at the beginning of this thread but i dont grasp what it means exactly?..so if someone could explain in laymans term i would very much appreciate it...cheers!:)

 

malissa

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JDEH

JDEH

Posted
Posted

Certain businesses are advertising to "wipe your credit card obligations completely" because agreements don't comply with the 1997 CCA. They ask for an upfront fee and claim 90% success rate. (Another fee is payable on success.) Is this genuine and has anyone been down this route? Or is it something else that is too good to be true?

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The GodMother

The GodMother

Posted
Posted

just jumping on the CAG bandwagon. charging for what we do.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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tiglet

tiglet

Posted
Posted
Certain businesses are advertising to "wipe your credit card obligations completely" because agreements don't comply with the 1997 CCA. They ask for an upfront fee and claim 90% success rate. (Another fee is payable on success.) Is this genuine and has anyone been down this route? Or is it something else that is too good to be true?

 

More than likely too good to be true.

 

They can't do anything you can't do yourself (with a little help from your friends ;))

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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citizenB

citizenB

Posted
Posted

no smoking, you might need to increase the file size a bit (unless it is just me), it is a bit small. :)

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nosmoking

nosmoking

Posted
Posted
no smoking, you might need to increase the file size a bit (unless it is just me), it is a bit small. :)

 

That's odd the file I uploaded was 500KB, but the one here is actually only 8KB - it must convert them in the process. Any idea how to get round this?

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The GodMother

The GodMother

Posted
Posted

i have tried enlarging the page but it just goes into gobbledgook.

 

Is there a way u can upload them via photobucket please so i can try and read them.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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The GodMother

The GodMother

Posted
Posted

ok i will have a proper look later but i have yet to see an unenforcable egg cca so please dont be disapointed.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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foolishgirl

foolishgirl

Posted
Posted

Looks OK to me, nosmoking, provided page 2 is the reverse of page 1 but as the date of signing by Egg matches the date at the top of Page 1, think this is probably the requisite link.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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robcag

robcag

Posted
Posted

Hi NS

 

Can you identify any marks on the 2 documents which might show that one is actually/definitely the reverse side of the other? The reason I ask is that document 1 could actually have been reproduced from personal information stored on a computer and printed onto a form at any time (just by printing stored info such as name, address, date, barcode etc. at the corresponding positions). There is no handwriting on that page.

 

I can see from your uploaded images that doc 1 has fold creases at the 1/3rd, 2/3rd and 1/2 way positions (measuring from the top), whilist doc 2 (signature doc) has creases at approx. 1/3 and 3/4 positions. Admittedly some of these may have been done after the copies were produced and before you scanned them.

 

Cheers

Rob

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Chalkitup

Chalkitup

Posted
Posted

 

 

Hello NS,

 

Bit busy at present but these "agreements" have surfaced before..... something about there should be three pages .... Egg signature is dated before you and lack of some info on the doc I think ....... I might be totally wrong here but try looking in the following places ......

 

Try looking at the thread ... Consumer Credit Act Agreements ... Post 7891 and onwards for about five pages and then thread http://www.consumeractiongroup.co.uk/forum/egg/71280-zubo-egg-3.html might be worth reading.

 

If I am wrong I am sorry but working under stress here :-D

 

Onwards and Upwards

 

Chalkitup

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nosmoking

nosmoking

Posted
Posted

Hi All,

 

Thanks for all the replies!

 

The letter was folded in 3 when it came, however there are lines that look like they come from a scanner or photocopier on both sheets, in different places.

 

I can't see anything to indicate that one is the reverse of the other, and there are no identifiable links between the two.

 

I had heard that egg scanned these documents and destroyed the originals, but I guess there's no way of finding that out - except by going to court! Eeek!

 

The problem I have now is that I was originally making token payments of just over £20 (the total is 11K), sent the CCA off and stopped paying when they failed to send the agreement. It's over a year since I asked for it and I've been telling them to get stuffed since then.

 

Seems very odd to me as it was passed to a new DCA about a month ago, I can't understand how they got the agreement when the original one couldn't. So now I don't know what to do.

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foolishgirl

foolishgirl

Posted
Posted

Hmm, that does sound odd.

 

Is it def. your signature? Could it have been copied from any corresp. you sent them?

 

Have you looked up Chalky's suggestion re. 3 pages? i.e one missing

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Chalkitup

Chalkitup

Posted
Posted
Hi,

 

Is there a template letter to send to a DCA to say - you haven't sent me an enforceable CA, just an application form?

 

Thanks

 

Hello,

 

If the prescribed terms are on the application form then you could be in trouble!!!

 

Try these letters....

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/138991-disabled-scared-owe-20k-6.html

 

Posts 303 + 304

 

Onwards and Upwards

 

Chalkitup

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