BankingCrisisMemos250209[1] Hi Guys May be this is what we have all been waiting for PAGES 199 - 220. A huge thankyou to Carmel, I personally think you made an excellent point in getting it over to them for all of us... SS reading it in this way has finally made it all come clear in my mind...thankyou B-O-2

Ok... received another letter from "Meritfarce" demanding payment. Those who read my previous post will know I used their online chat facility to "discuss" the matter... well I did the same... here's the results. Some of what I said was made up on the spot... for instance I have no idea if they need to give me their staff number (but they didn't totally disagree with me because they gave me an extension number.) It's funny though that even though they have no proof of a debt they want me to give them a credit card number... yet they won't give me their surname/staff number if I wish to complain about them demanding monies from me?

See this judgement at paragraph 7 that states the OFT expect to reach a decision on fairness late in 2009. It also states that the appeal to the House of Lords may come on before July 2009. The remainder of the judgement makes an interesting, if unfortunate reading (for Mr Brennan again). On the matter of bank charges generally, the position is simple, if the banks say their charges are fair; as they maintain, then they should have no difficulty allowing OFT to investigate or decide the question of fairness. There is one reason why the despicable banks are appealing the matter to the matter to the House of Lords - the banks know th

Result!!!! Congratulations N-I-D it's normally much easier to get the account rendered unenforceable than to get the default removed. That's a good victory I wonder what their next letter will say, keep us posted. (I always read the small print you'll be surprised how poorly written it often is).

It's not so much they didn't keep the agreement it's that there wasn't one in the first place. When credit cards became so popular thanks to the yanks, credit card companies literally copied their agreements without thinking about the legality & enforcibilty of them in the UK. They are now reaping the rewards for their mistake.

There is no agreement...only a recreation of what they believe to have been included in the original. Although a "true copy" provided in response to a cca request need not contain your signature, for the court to enforce there MUST be a document containing your sig.

Hi Joan Sorry to hear you had such a hard time from the Judge today. Whilst Litigants in Person (LiP) are supposed to have equal access to justice, regardless of whether they are the Claimant or Defendant in a case-that's the ideal, however in reality......! Unless a person can and does argue vehemently about the validity of an agreement and/or the Deed & Notice of Assignment, as far as the Judge is concerned, the debt is owed and he wants you out of his Court asap, because he is pressed for time! Not right, not fair, but that's how the system regrettably operates! The fundamental arguments to raise in Court, both to get the Judge'

It's not actually a sheriff you would be complaining about, it's a sheriff's officer, which I think is where the confusion arose. You can send your complaint in writing to the Sheriff Principal - call your local sheriff court for contact details.You could also make a complaint to the Society of Messengers-At-Arms and Sheriff Officers. The Sheriff Principal has the power to fine and censure the company and individuals in question, as was the case with Stirling Park (owned by the DCA Intrum Justitia no less). The Sheriff Principal is the only person who can take away a sheriff officer’s right to practise.

Hi Babydoll Was your agreement/application the same as mine when they sent it to you. Gaz

Hi sounds like a standard threatogram to me!! i had exact same letter sent 19th September 2008..im still waiting for court action

Make a complaint to the Information Commissioner https://www.ico.gov.uk/Global/contact_us.aspx they can enforce Callcredit to provide the information & fine them £5000 for the privilege.

Hiya both i do hope that book is a best seller for you that would be good a learning curve for all of us and im so sorry this was the final outcome best to have fought and lost then never to have fought at all, i like that,,,,and above all your own integrity and belief was never sold that truely is inspiring good luck and above all remain positive in your lives laters angel x

Hi guys ive been watching this thread with interest even contributing to it at times. Surely we are all on here to help each other not to criticise, i agree a debate can be healthy at times but i dont think some of the comments are necessary. Lets remember our aim and that is to be sure of our own peace of mind and not to let the Cr***y certain mortgage lenders get the better of us.

change section 77-79 to section 78? its not a big point, but I think that the former implies a lack of knowledge of the regulations you are quoting. stating section 78 specifically makes it look a bit more like you are well versed on the CCA and that s78 refers to credit cards.

reggie, I have found out that the court fee is £5 for copies of the first ten pages of a document and then 50p for each additional page of the document. It may be best if you could visit the court first and ask the court staff to look at the court file. Writing in means they will have to treat your request more formally. If the documents are on file (CCA, Default Notice and Notice of Assignment) you can ask for copies. Worse case is that you would be charged probably be £5 for each or the court staff may not charge you if its just a few pages. If the documents are NOT on file, then you won't have to pay and you can make your a

There is no clear formula over what they will and will not accept, many debts are sold for as little as 10% of their value, so in theory, offering a little more than this should offer them a quick profit (That's the theory in any way) But they don't have to accept this After being involved in a few threads on this subject there are a few guidelines you can take on board. Dont expect them to accept your F&F settlement offer, these "people" are quite happy to cut their noses off, however, the chance of a quick result may incline them to accept, however be aware that some companies will never accept a F&F unless it is for

I wonder whether they are hoping the Nostradamus and Cayce visions about 2012 will come true so that they don't have to worry about refunding ever.

HI Paul total credit 15000 OK repayments 298.65 OK Total amopunt payable 25086.6 OK APR 17.32% oh oh What they have done is include the insurance premium costs in the total charge for credit and not factored it into the evaluation of the APR. In other words if they would have done the calculation with the instalments at 241 84 they would have been coorect in that the APR would have been 9.45% but the the tap would have been wrong. YOu have been scandelously misslead about the value of your loan IMO. If they say we forgot to put the figure in the credit then that is admiting they have missrepresetned a p

Hi just so you know Unreliable collections are in house collections dept for J.D.Williams see my link for my fight and win against them you can claim back all charges and interest applied to the account if they have no agreement (99.9% they wont.) http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104426-dpick-oh-reliable-collections.html dpick

Hi Cleo, Please confirm the following: PREFERENCE ACCOUNT 28th November - You received a DN dated 10th November with a remedy date of 24th. You then received a Termination Notice dated 21st November 2008. First of all, the DN is invalid as it hasnt allowed you a clear 14 days to remedy. The account has then been Terminated 3 days BEFORE the remedy date. They are now saying that they have NOT terminated the account - Yes ? MASTERCARD ACCOUNT 19th December you received DN dated 12th December with a remedy date of 26th December. Again no clear 14 days so invalid. I cant see on what date this parti

If it were me I would simply write stating two things: 1) Nothing will be discussed by phone, only in writing. 2) The documents purporting to be the agreement and T&Cs are illegible and fail to meet the requirements of the copies of docs regs. You can't read them therefore you can obviously not comment further in any way until legible documents are received. Pete

You should now tell them that they have had three unsuccessful attempts at repairing it and that you are now going to take it to another garage to be 'professionally' repaired and will send them the bill. Make sure to add the word 'professionally'. You can add into the letter that any delay in payment will result in court action which will cost them more. You could reject the car by listing all the faults and telling them you reject it. You must do this by letter or email, I think a letter would be best, sent recorded or you could do both email and letter.

Hi - I was a Halifax customer for many, many years. I claimed back, and won my charges. At first they tried to cut off my overdraft with immediate effect, giving me just 7 days to repay it, then, they agreed to let my account and overdraft run for 3 months after which they took away my overdraft and closed my account!! They then did the rounds with the DCA's and threats for the overdraft. I eventually told them, take me to Court as I have plenty to say!!! Havn't heard a word in over a year!! The moral of this is to be very wary - make sure you have another current account elsewhere as once they default you for the overdraft yo

Yep just saw that the debt has been admitted when re-reading the thread. Unfortunate but by no means the end of the matter for the defence. The CPR request needs/needed to be for the following items mentioned in the POC: Copy of the 'Agreement of 20/09/06'. (1) Copy of default notices issued by 'Assignor' and Claimant. (2) Statements of account showing how amount claimed was reached. and Copy of the deed of assignment to prove title. (You must be explicit that it is a copy of the DEED not NOTICE that is requested). (3) A pound to a penny says the assignment is equitable not absolute but more on that later.