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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      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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OK here we go -

 

I have made a complaint against WFS - I have also S.A.R - (Subject Access Request)'d them and CCA'd them.

 

They have acknowledged all 3 and are said to be dealing with.

 

Day 12 on the CCA is up as of yesterday - I have spoken with someone in the legal compliance dept and they have advised that they cannot find it, my compliant has been escalated to area and regional manager, so pls don't call the branch - they cannot help - no change there then :lol:

 

I have asked for a letter explaining that they cannot find my agreement, they have agreed, but i'll wait and see.

 

What are my options - they still want 8K - i borrowed 5k, have paid back 7.5k - am pushing for mis sell of ppi due to being a condition of taking out the loan(think it was used tho):confused:

 

I have managed to get the information removed from 1 CRA but the other is refusing to budge without WFS say so.

 

I have read a lot of different information on the forums, but the gist seems to point to the enforceability side and fighting that.

 

One other issue is, I cannot see how i would've signed a document asking for £19,500 as payment in total for a £5k loan, both myself and my partner have racked our brains and cannot remember that being the final figure, as the loan was for the extension on a property we were going to sell as soon as the ext was finished, and did!

 

There comes another issue - this was a supposed secured loan - yet no charge stood when the property was sold, my legal advice was 'you do not have to settle the loan - it was not secured against your property'

 

What do I do?????

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Write and tell them that the account is in dispute and they must not

 

1) ask you for payment

2) add any charges or interest to the ccount

3) pass onany information about the account to any 3rd party

4) put any marke on your credit rating.

Tell them that they have 1 calendar month to find the agreement or they have committed an offence and then, if they take you to court, their non-compliance is a complete defence. Don't pay them anything. Copy the letter to the OFT and your local Trading Standards.

 

Personally, I would give them a few days to get their promised letter to you first so that you can use it to try and get the default removed.

  • Haha 1

 

 

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I have a response regarding the 'to date' failure of suppling my CCA.

 

They admit they are unable to provide the original document......

 

BUT.......

 

The now advise that they are in the process of raising new documents which will mirror those from 2004.

 

Can they do this??? because I am querying amounts of final payment and PPI will they not need the ORIGINAL document to show that is what I signed for?

 

Any advice appreciated.

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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They can do it but it won't be any use to the, because it won't have your signature on it. (I suggest you don't put your signature on it either!!)

 

Yes, they will need the original to show that you agreed to PPI.

 

 

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Dear Sir/Madam

 

Thank you for your latest communication from your Branch Manager XXXXX XXXXXX, I understand that you are unable to provide me a signed copy of my original credit agreement.

This account is now clearly in dispute and this leads me to believe that, until such a time as this document is found:-

1) You must NOT ask for payment

2) You must NOT add any charges or interest to the account

3) You must NOT pass on any information about the account to any 3rd party

I understand you now have 1 calendar month to find the original agreement or you will have committed an offense and if you take me to court, your non-compliance is a complete defense.

I am also aware that without a signed agreement you are not allowed to disclose any information about myself – you have already done this, in the respect of information held by Experian / Equifax & Call Credit – I am formally requesting that the information be removed from Experian and any other 3rd party you passed my details to.

I look forward to a timely response to my request, or you will leave me no further option but to report Welcome Financial Services to the Information Commissioners Office.

I have also been advised by Experian that you have given information that is factually incorrect – you have linked me to an address of XXXXXXXX, which I have never lived at or been associated with. A linked address can ONLY be used if that is a correspondence address or the account holder has moved from or to that address in the last 8 years.

 

Yours faithfully

 

Mugged

 

Does this seem OK???

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Thanx Steven,

 

S 10 seem to apply to the right to prevent processing information - but doesn't mention anything about CCA's or signed agreements???? or am i just being dumb?

 

Right to prevent processing likely to cause damage or distress. 10. - (1) Subject to subsection (2), an individual is entitled at any time by notice in writing to a data controller to require the data controller at the end of such period as is reasonable in the circumstances to cease, or not to begin, processing, or processing for a specified purpose or in a specified manner, any personal data in respect of which he is the data subject, on the ground that, for specified reasons-

  • (a) the processing of those data or their processing for that purpose or in that manner is causing or is likely to cause substantial damage or substantial distress to him or to another, and

  • (b) that damage or distress is or would be unwarranted.

(2) Subsection (1) does not apply-

  • (a) in a case where any of the conditions in paragraphs 1 to 4 of Schedule 2 is met, or

  • (b) in such other cases as may be prescribed by the Secretary of State by order.

(3) The data controller must within twenty-one days of receiving a notice under subsection (1) ("the data subject notice") give the individual who gave it a written notice-

  • (a) stating that he has complied or intends to comply with the data subject notice, or

  • (b) stating his reasons for regarding the data subject notice as to any extent unjustified and the extent (if any) to which he has complied or intends to comply with it.

(4) If a court is satisfied, on the application of any person who has given a notice under subsection (1) which appears to the court to be justified (or to be justified to any extent), that the data controller in question has failed to comply with the notice, the court may order him to take such steps for complying with the notice (or for complying with it to that extent) as the court thinks fit.

(5) The failure by a data subject to exercise the right conferred by subsection (1) or section 11(1) does not affect any other right conferred on him by this Part.

 

 

On another completely separate note they have advised in the letter they sent me that this loans was taken out in August 2004 - that is 3 months after I sold the property that the loan was secured against - & 2 years after the loan was taken out - might be interesting to see their 'mock up' of my original credit agreement.

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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cool, I'll add that line in

 

Thanx

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Phoned the branch today to ask them to stop sending letters to the wrong address - Head Office have got the right address - but the branch doesn't, was told by the manager that he cannot discuss the account - it has been handed back to central compliance - don't know what to make of that?

 

But I did go on to insist they stop writing to the wrong address.

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Had an email from the OFT - left me slightly dazed and confused, it says :-

 

A ‘true copy’ of an agreement principally consists of the terms and conditions of the agreement and the statutory content of the agreement. The name, address and signature of the debtor does not have to be provided. Additionally, the creditor must supply the total sum paid under the agreement by the debtor; the total sum which has become payable under the agreement but remains unpaid; and the total sum which is to become payable under the agreement by the debtor (the latter two must include the various amounts comprised in that total sum and the date when each is/was due).

 

Which to a point, agrees with the letter from WFS saying they are going to reconstruct the agreement from the information held on their system, but the OFT goes on to say :-

 

However, the copy must be a copy. It need not be exact on immaterial points, but it cannot be a conjectured reconstruction. If the trader has no original copy, the trader will have difficulty showing that he has complied with the regulation by supplying a ‘true copy’, since nobody would know what was in the original. When the trader comes to enforce the debt in court, he needs to have a signed copy of the agreement in order to enforce. As the law stands currently he cannot otherwise.

 

So they do have to find the original???? very confusing?????

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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WOW!!!!!!!!!!

I have just spoken with Legal Compliance dept at WFS after receiving a call asking me if a wanted another loan -

 

They have written off the debt of over £8k

 

Thanx for all your help on this

 

! quiestion - can i still claim my illegal charges back??? or is that a bit cheeky???:-)

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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quiestion - can i still claim my illegal charges back??? or is that a bit cheeky???:-)
I think that might be pushing your luck!!

 

But CONGRATULATIONS on the win.

 

 

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cheers steve.

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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OK - Have now received actual letter outlining what's & why's.

 

Dear Chancer1

 

I can confirm we cannot provide CCA under your request - better practices in place to ensure doesn't happen.

 

Gesture of goodwill right off outstanding debt, even tho they have enough evidence to prove the loan existed???

 

Blah Blah - Obligation to report payment history to CRA's, will look into errors but nothing else.

 

PPI was claimed against, therefore no claim should be made as I did need it.

 

 

QUESTIONS:-

 

1, I am presuming this is a response to my complaint?

2, Without a CCA - how can they give my information to 3rd parties?

3, Do / Can I still report them for failing to provide CCA?

 

Thanx

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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1, I am presuming this is a response to my complaint?
I presume so

2, Without a CCA - how can they give my information to 3rd parties?
You should write and point that out. Tell them you will definitely take action under s78(6) of the CCA 1974 if they do or if they don't remove/retract any information already geiven to CRAs.

3, Do / Can I still report them for failing to provide CCA?
That's up to you - it might be worth keeping it as a lever for item 2 above.

 

 

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how's this for a reply......

 

Dear Mr welcome finance man

 

Thank you for your latest communication acknowledging the CCA request failure.

 

Further more, thank you for your ‘gesture of goodwill’, which of course I will accept.

 

As discussed on the telephone, I do still however have the outstanding issue of information reported to 3rd parties, i.e. Credit Reference Agency’s.

 

I will definitely take action under s78(6) of the CCA 1974 if you do not retract any information already given to these agencies.

 

Once I have confirmation of the above in writing, I shall then forward a letter of ‘complaint satisfied’ to all parties involved in this complaint.

 

If I do not hear from you within 14 days, you shall leave me no further option but to continue my complaint with the relevant authourities.

 

Yours faithfully

 

 

 

smug ex customer

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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just a quick question - i have the freepost address for Welcome compliance dept.

 

I suppose it's ok to pass it on?????

 

Let me know who to give it to?

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Could someone advise if the letter in post 18 is sufficient.

 

thanx

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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So... up against Monument now.

 

Had the usual rejection and 50% offer, sent letters and now they have till 24th to respond before legal action

 

They have complied and sent my T&C's - these say:-

 

these are T&C's of agreement between Barclays and Me (But they have said my account is with compucredit, not Barclays???)

 

Under default charges they advise :-

 

we will charge you for any reasonable costs or losses we incur if you break the agreement inc the following:-

 

Failure to meet minimum payment £12

Exceed limit £12

Bounced payment £12

 

surely they still have to justify the cost's??

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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Back to WFS.....

 

they have written a final responce to the above letter (post 18 )

 

Advising that they will not remove any information that is not correct, they have a duty/obligation blah blah blah

 

BUT - If they cannot produce the cca - how do they have my permission to pass details on about me???

 

The only option they have left me, is the FOS

 

What can I do???

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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  • 5 weeks later...

OK - back to Monument - mcol issued - letter recieved advising will apply for stay - now recieved defence -

 

I need to write to the judge and ask that stay not be placed as these are credit card charges not bank charges, is this ok?

 

Case Number ~@~@~@~

Dear Sirs,

Could I please ask for the following letter to be shown to the judge following an application for a stay from the Defendants.

Dear Judge Murdoch,

I write regarding the stay that has been requested by Barclays Bank PLC, they have stated to myself in a letter dated 14th September 2007 that it is their intention to ask for a stay pending the outcome of the OFT case.

I would ask that a stay not be granted on this case as it concerns Credit Card charges and not Bank charges.

Yours thankfully,

chancer1

  • NatWest - Settled in full 8 weeks after LBA (without interest)
  • Capital One - LBA 27th July - Offered & paid £28 - Rejected - settled
  • Monument - LBA 18th July - Offer 19th July - Refused - settled

  • WFS - 8 Point Complaint - awaiting response - Failed CCA Request - awaiting response - Awaiting S.A.R - (Subject Access Request) info

***WFS Written Off £8k 01/08/07***

 

Monument sent my info even tho i forgot to send payment!!! Thanx Monumnet

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