My friend has asked me to post up their CCA agreement to see if the figures calculated are correct. He does not want to know if it is enforceable or not, its just that he believes that he has been overcharged and the figures that the insurance company have calculated are incorrect. My friend is a taxi driver and has taken out this insurance. He was told that it would cost him in total £750, and that he would have to pay £200 deposit, after that the remaining sum would be paid in installments. Breakdown: Total = £749.66 Deposit = £200 Balance =£549.66 premium credit ltd have made it 9 x £75.79 = £682.11 but tha

Try not to worry too much, let me know when you have phoned to make the payment - I'm always on line during the day if you need to contact me.

No idea, but then he does provide advice free of charge on here when a solicitor would want about £900 to represent you. If you are desperate I suggest you post your message in a thread and maybe someone will be able to assist you.

well in a sense they have complied with your cca request by sending a reconstructed copy but to enforce they would need the original send them a letter and demand a true copy of the agreement and untill they comply, the account is still in dispute

As post would say - relax this one is in the bag. The agreement is cack as the deposit has gone against the insurance.

Hi casey, Thanks for your time on the phone a moment ago. As discussed, as soon as I've heard from your daughter I'm confident we can get everything resolved here. Kind regards and look forward to speaking with you again soon. Lee Web Relations Team Vodafone UK

Hiya First thing is to complete the defence and return within the time limit, you deny all the amount, nothing to worry about, each allegation in the claimants Particulars of claim is answered below, and now "Howard Cohen & Solicitors" will have to answer back..... Defence: 1. The defendant denies that he is liable to the Claimant either as alleged in the Particulars of Claim or at all. Save where otherwise admitted, each and every allegation in the Particulars of Claim is denied. 2. Paragraph 1 of the Particulars of Claim is denied. The defendant has never received written confirmation from the original cr

I know you can't. You never will. Because as I have stated and which you have chosen to ignore is that none exist apart from on fotl websites and youtube videos. You must remember that members of the judiciary haven't been taught what you believe to be fact. They have been taught law,they have an enormous experience of law, and I can assure you know their stuff. How are you going to convince a judge what you say is correct? Produce a youtube video of the AT in his ski mask and respectfully ask that his honour considers the AT's ramblings? Whilst you describe fifteen times in a courtroom as "more times than you can remember" and consider tho

AND MR MAYNARD, WHOEVER YOU ARE, YOU STILL HAVEN'T SENT ME MY CITIFINANCIAL AGREEMENT I ASKED FOR 2 YEARS AGO BUT STILL TAKE MY PAYMENT, YOU MORALLY CORRUPT HUMAN BEING. Couple of points Sherlock, hate to disappoint you, but the 'official' Cabot Fan Club closed doors to 'official' members long time ago, it's a long story, but we just like to think people are followers of the philosophy we began on the back of Cag's platform of unity amongst troubled people, you know, the kind of community Bankfodder started that sticks by everyone and supports one another at a time when creditors were abusing their position. Bankfodder was the epitome o

Pesky from been in the same boat im going to say stop worrying i had alot worse happen on monday to the point i was in a panic they can not do anything even if they turn up you are not refusing to pay the debt just the fee's which seem to add up wrong do if you can get to a bank pay the money into a bank account and use the online payment method then its been paid straight to the council as bailiffs take there fee's first the letters do work i am proof of that but u have to stick to your guns with it all if they turn up start to record them and keep recording the whole conversation they will quickley panic

CLAIMANT’S SKELETON ARGUMENT IN SUPPORT OF APPLICATION FOR PRE-ACTION DISCLOSURE ------------------------------------------------------------------------------------------ Introduction 1. The pleadings in this case are reasonably straightforward. The Claimant contends that the Defendant has acted unlawfully and unfairly in relation to undisclosed commissions This application notice 2. The Claimant’s Application Notice is dated XXXX. Application is made to the court under CPR Part 31.16 for disclosure of documents relating to likely future proceedings between the Claimant and the Defendant. 3. Disclosure of t

The Statute Barred law is six years after the last payment FROM you, not the last acknowledgement which is what the DCAs like to think a letter is.... Sadly the Debt Buyers and Sellers Group think the law doesnt apply to them... well it applies to everyone.

That may accelerate the process...

I take it you have already made a cca request on this account and it has since gone into dispute? If so then I personally would do nothing until they come up with something. Alternatively if it's looking like they aren't coming up with anything and they know it, and are thus making desperate offers, then you could go in with a very low full and final offer of, say, 10% but marked clearly as without prejudice and without admitting any debt exists. Obviously the call is yours, but I normally prefer to just do nothing and let these people hang themselves with their own BS Cheers UF

It is pointless speaking to a bailiff on the phone. They will just belittle you and make you feel like ****. My wife dealt with this, and she never faultered. Ignore them, don't answer the door. If they want to threaten you that's all it is threats. They have never gotten a locksmith, even with a magistrate's fine for us, and it has happened on several occaions the last few years. If you owe the money, pay it as often as you can, go to your council's website, and use the online payments. Pay as much as you can afford as often as you can. That way it look's like you are trying to sort it out, and not avoid it. If you cannot affo

Hi welcome to CAG I have created this thread for you to get more help. We have a Vodaphone customer services rep who visits the site and maybe able to help. His name is Lee, and so far he has been good at sorting out peoples problems. Lets see how far he can get with your complaint. Any problems just click the red triangle on the bottom left of your post.

Oh, you're going to love this one. Freemen have been brainwashed into believing some stuff that started in America years ago where some loonies interpreted the law that there is a difference between "driving" and "travelling". "Driving" is acting in commerce, whereas "travelling" is private. They also claim they have a "conveyance" and not a "vehicle". They believe only "driving a vehicle" (commerce) requires a licence, "travelling in your conveyance" (private) does not. But when you study the interpretation of law they rely on, it is incorrect, and what they fail to tell you many who have tried this in America have been successfully prose

Hey CB! Aren't they also in default of section 87(B). Therefore they are in default of the 14 day period of the payment due on 6th October 2008? and as a result;

I believe that the facts stated in this defence are true.

Hi i am just waiting, should hear back this week hopefully I believe my case is stat bared like yours I think they have made a mistake buying lots of stat bared debts

What make is the router? I know some where there is the ability to fiddle with the settings... so that no one user can eat up all the bandwidth.

i havent read the whole thread but i think i would be inclined (as i always am) too let them do the running if they have provided you with two (let alon three) documents which are different and both (all) purporting to be the original executed agreement- then i would suggest that you have them by the short and curlies in any event

Lee has been asked to come on here and have a look for you Kip

Hi, If the Leeds Losers have sent you nothing from your SAR, I would write one final letter saying that they have 14 days to reply to your SAR or you will take it to the Information Commissioner. This is just to cause them trouble as I'm like that This debt could well be Statute Barred anyway. If you are having no joy, why not get hold of Lee. He is the official Vodafone Rep on the forum and he has been quite helpful to some members http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-internet/213340-vodafone-webteam-customers-problems.html#post2343770

Just an update on this one, my stress levels did not alow me to carry on with the idea of defending myself. I found a no win no fee solicitor who are acting. We have the hearing this week which is Wednesday 30th that if it actually takes place its already been postponed twice. I'm told that my case is very strong and that Lloyds are not putting any witnesses forward. Guess I will have to wait and see

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With regard to an I & E, they are not entitled to this information, and know that full well. Only a judge is entitled. Your I & E is your own personal information, and deals with YOUR money, and as such it really is YOUR decision as to how much you can afford. Make sure that whatever you pay (never mind them saying not acceptable - tough) remember that this may well be a long term commitment and you will need to make these payments on a regular basis, so don't struggle and make them too high. Have had dealings myself, just ignored them, and nearly SB now.

Sorry, I'm just not getting what you're trying to explain (possibly because I'm horribly hungover; Tuaca and school nights are not a clever idea, folks!). When you get an email notification most programs (Thunderbird, Outlook, etc.) give you a small popup in the bottom right of the screen to let you know you've got an email. This popup then disappears after a few seconds. You're saying when you get an email in, this popup occurs twice for you? In succession? At the same time? And I don't see why you'd get this when you first log in, or what you mean by "loads page and repeats". The only thing I can assume is that something is s

As you've already received a letter from them I'd enclose a copy, just in case they haven't got it on file.