it works now i think just click the title dca song neilandelaines1stopshop.co.uk

karaoke version anyone?

Anyone else watched the "Money for Nothing" documentary on BBC tonight? Really good to see some light shed on the shady tactics of the creditors even if it was saved for 1am! Just checked and it's on iPlayer - if anyone wants to take a peek it's over here. Genuinely interesting to watch (although I guess we all know already) - nice shot of TSB headquarters though. My bestest buddy atm

You may (or may not) have heard of the young lady (who lives about two minutes away from me) who failed her driving test due to splashing a pedestrian. The instructor said she should have stopped to exchange details - something which Ms. Kelly (the learner) claims is ridiculous. She also said "what else was I supposed to do? I would have caused an accident if I had swerved". Well maybe she should have failed for not having heard of something called a brake pedal or maybe for inconsiderately supergluing her feet to the accelerator thus preventing the maintenance of speed. incidentally, I had actually witnessed this person dr

ok so not really a song, but it is the dca's celebrating when they get a £1 token payment. YouTube - teletubbies dancing

.....the countdown proceeded..... 11, 10, 9, 8, 7, 6, 5, 4, 3, 2...... The scientist's hands were poised over the keyboard. .....1, ZERO! Scientist presses ..... The room is hushed. The computer goes "BING-BONG" and displays........ :D:D

Hi, Woozel. I'd approach the OFT now, have another look at ODC's 'link' ( #82) then get writing. Regards. Scott.

no dont do that they will say it is a typing error or summing daft like that.

and can i borrow it for Studio cards as well as they so dont understand BOG OFF.

Ok, you need to be in here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/ then start a new thread and rewrite or copy and paste your question. Good luck

Huggy is busy playing with some programme or other...............hope its one to shrink his head............he is loving the attention. Here are the lyrics. WHEN THE DCA’S COME TO MY DOOR I USED TO SIT HERE SHAKING ON THE KITCHEN FLOOR BUT NOW THAT I FOUND THE C.A.G. WITH ALL THERE HELPFUL COMMENTS ON HOW THEY TAKE THE PEEEEEEEE. THERE BEAUTIFUL THERE BEAUTIFUL THE C.A.G. AND ME I’LL BEAT THEM YET ABOUT A DISPUTED DEBT. AND THEN I’LL WIPE THE FLOOR WITH THE AID OF CONSUMER LAW SO BRING IT ON YOU DCA.’S COS YOU CAN DO NOTHING WITHOUT MY CCA’S THAT I REQUESTED

So the scientists like to smash atoms and protons together at high speeds? Sounds to me like a very expensive game of marbles for bearded scientists. We should cancel the olympics and use the money to build two atom smashers in the UK, so we can show off to the rest of Europe. It would be more fun than Eurovison anyway. I'm off to play with my lasers in the garage now. See you all tomorrow.

Whilst I acknowledge what is said on the Information Commissioners Office's website, I feel that is only for people who have not been in communication with the company on a regular basis. How can they send threatening letters, accept money via a bank account etc, and then turn round and say they require proof of who you are. Your CCA letters do not under any circumstances require any other proof of you are. If they are going to be funny with the S.A.R - (Subject Access Request) stuff, then say you are happy for the data to be delivered to an Alliance and Leicester near you, where you will allow the bank staff to confirm your ident

Above and beyond yet again! Thanks so much citizenB I did have a quick scan through RMW's thread a while back and it is very good. I will revisit it again tomorrow, my brain is like mush today Thanks again

Okey dokey... Just one more question, was there a post mark date on the envelope ? Dear Cretin. ACCOUNT IN DISPUTE - I ACKNOWLEDGE NO DEBT TO YOUR COMPANY - PLEASE DO NOT IGNORE THIS LETTER RE Account No: Any Reference number they have supplied I was surprised to receive your letter dated 8th September 2008 I wrote to both you and CitiFinancial on XX XX 2008. Both letters were signed for on XX XXXX 2008. This account is in dispute and has been since (Whenever), and has been since Citifinancial failed to comply with my formal request under the Consumer Credit Act 1974 (sections 77-79) for which they also receiv

If you can afford it, take them up on the offer.....my feeling is this could be a big gamble to attempt to fight (although I suspect that the debt may be barred by statute - i.e. a gap of at least 12 years where you have neither paid towards or acknowledged the debt (despite your recent correspondence if there is a clear 12 year gap then it will definately be stat barred) but as you have a CCJ on this already (which was undisputed)....

Thanks for looking in 42man, much appreciated, BR is not my strong point as you know and since i know you've had your own battles in this arena i thought you'd be the best man for the job;) Thanks again for looking in mate:D

OK......firstly try and relax if you can you amongst others who have been in similar situations as yourself..... What date is the hearing for the BP ? Firstly if it was me in your position I would firstly send a SAR request to Lloyds bank..... Common sense tells us that if you do not have all the relevant paperwork, then until that paperwork is available to you how can you totally DISPUTE the debt/debts... Have you received a statutory demand ?... Do you have a copy of the signed agreements ? Do you have statements for the duration of the loan ? These are the sorts of questions I would be asking myself and d

Hi 1stLifeline I can totally sympathize with you as I am in exactly the same boat and the stress of it all was creating untold arguments in our home. So I went for a really long walk and I couldn't stop myself I just unashamedly cried and cried and was totally oblivious to the many people around. When I collected myself I had walked from Birmingham to Evesham and was feeling tired and exhausted...I havn't exercised in ages...but I had worked out a lot of sadness out of my system, because I walked back with the attitude I'm still alive, the world can do what they want but I'm still alive. I'm not very good at explaining, but it was a f

Just an update. The Halifax got a stay granted But........ I wrote to them again a couple of weeks ago, as my circumstances had changed ( I have had a baby 6 weeks ago ) and they agreed I was now experiencing financial hardship and they have agreed to pay me the full ammount claimed!!!!!!!!!!!!!!!!!!!!!!!:grin::grin::grin::grin:

I am still wondering how Worst Cretins can say that the documentation is held by their client when the debt has been assigned. In most purchase transactions, the client is the buyer, not the seller. I don't see how HSBC can be the client in any circumstance. Unless, of course, the assignment was equitable, in which case Worst Cretins aren't the creditor (at least not by themselves) - does the SD claim they are, without mentioning HSBC as co-creditor? On the other hand, if the assignment was absolute, then they are the creditor and according to CPUTR should not be chasing debt for which they do not have the paperwork. Any way y

or a nice letter send next day delivery Dear Cretin Thank you for your letter dated xxx refering to the SD served upon me by your company, I am pleased to note that this was send x days after the letter dated xxx stating the account was on hold due to my request for the agreement dated xxx I look forward to hearing your explanation of this to the judge at the court hearing. I also require by return your official complaints procedure, and take note this is being escalated to TS and OFT for their investigation into your blatent disregard of the consumer act etc etc.

I have adjusted Part C of your application. In fact I've made a re-vamp of it. Part C looks like this: I wish to rely on the following evidence in support of this application: I am the Defendant in this case. I recently received a notice through the post concerning another case against me saying that a County Court Judgement had been registered and that steps were being taken to secure judgment on my home. I am not familiar with legal procedure in England and did not know what to do until I took some advice. This application has been prepared by someone who was able to give me advice about what I should do. I was advised

In truth, as a LiP, the court would happily excuse you if you failed to propose any draft order. It's not your business to. I only set out proposed directions because yours were off target if you don't mind me saying so, in the sense that I do not take the view that it is in your interests to encourage your opponent to improve the condition of their pleaded case, the draft disclosure order was prolix (see mine) and the unless order in regard to disclosure would be refused. Further, that if you intend to plead a bad default notice you will need to say this in a defence (hence the amendment) and Section H was not the place for legal argum

You have loads of green blobbies, here have some more.

Hey, you are not broken, you are under renovation that is all. You can and will get back on your feet. There are loads of great people on here who can help with anything (it seems). Get those letters sent off, refuse to speak to anyone on the phone, and any credit cards you have had charges on and settled on get claiming charges back. You have come to the right place.

Hello, You will be glad you stumbled across us! And less of the 'fick northener'

you could do as tiglet suggested but u could always send them this. Dear Re account number. you recently contacted me regarding the above mentioned account number. My records show that on this debt was brought before and ordered that repays this debt. For your information i have included all details regarding the courts and the case number. I am now askin that you stop harrassing me for this debt and start harrassing as per the court order. Yours pigglett copy to re then i would suggest you write to the courts something like this. Dear courts. Re case number

Hi, Special Brew. I'll move this thread to the Debt Collectors Forum, you should get the help you require in there. Regards. Scott.

Gimmie clicks on scales and green blobs, then I might behave......

I get cagbotted almost every weekend. And every weekend I have a barbecue........

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html Asking your creditors for copy of your Consumer Credit Agreement

You could send them a CCA request - however, i think this would invoke more aggressive tactics than showing a judge has ruled on this matter. Either that, or file under "ignore" for the moment. It is also statute barred by now (last payment made 2001?) so you could always send them the statute barred letter.

my full story is over the road I will pm you as can't show link here! go and have a look, I also have a battle going on with HFC which might be of interest too!

Fantastic - means I have to do the bloody school run and THEN get blown up!

Hi Ross-co, Thanks for the PM, I have had a 'qick scan' of your thread. Did it go fast track? If that is the case then you need to use a different form: The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service -Forms and Guidance) is not available If it was a multi-track case then you are off to the Court of Appeal. The above link includes links to the various guides. My experience was on the small claims track which has different rules. As an aside, I note that several people have had District Judges decline to follow the Consumer Credit Precedents. Might it be appropriate for the

Hi Stewie I understand from this information that the loan is still ongoing. I imagine that you should have the Terms & Conditions for the whole loan and for the PPI element. These will contain exclusion clauses and will indicate whether you can make a claim if one or both of you is unemployed. Do you have these? You say that your wife was unemployed prior to the sale ... was she employed at the time of the sale? How was the loan sold to you? Face-to-face or over the telephone? Were you informed during the sales process that alternative PPI products were available to you other than the Welcome PPI and the comparative costs

Right, that looks to be a real claim. The claimant appears to be Phoenix Recoveries UK ltd. but the 'RE:' bits are confusing. Bryan Carter is the solicitor acting for the claimant - whoever it is. The sentence beginning 'FOR THE AVOIDANCE OF DOUBT ..." is the bit where they acknowledge they are acting unlawfully. In essence the claimant doesn't have any rights to waive. There is nothing wrong with the solicitors typing their name. You have a certain time (given on the form) to acknowledge that you have received the claim. Do this and also state that you will be defending this claim in its entirety. You will also want

It has to be worth a try. Do the FOS have a complaints procedure? If they have, I presume you've tried that too.