What are you cooking? Bank fodder?

I don't know if I'm missing the point here. I have taken part in at least one of the threads that got pulled. It's always fun to be part of a lively debate. But the CAG is here primarily to help people with consumer issues. The Bear Garden is an indulgence. I can see a time where the entire Bear Garden gets pulled if it becomes too much of a drain on the resources of the site, which you could argue would be better used on the site's main purpose. I'm not agreeing here with the censorship/pulling of the threads, but I can see the problem from the point of the Site Admin. Team. Regards. Fred

I posted that above to throw them off the scent, never under estimate your opponent and what they may use against you. Additionally this thread was removed temporarily until the matter was concluded - which it now has. I issued a defence (that I will post up soon) and a counterclaim for my time and a breach of DPA for £230.00.

Hi Landy Yes, waiting around can be dodgy. I suppose it depends on how watertight your case is. You could wait for the six year statute barred duration. worth pursuing.Sometimes the lenders/DCAs are watching the legal landscape to see if any favourable outcomes emerge that can change the game in their favour. hereby turning formerly uncollectible debt into something. May just have to wait and see. As far as the CCA goes, the general consensus amongst the experts is that it's much more of a shield than a sword. Unless you can find breaches and a cause for action based on other areas of law, waiting in the "holding pattern" mode may be all you can do for now.

Hi guys egg (and cci) are sending out standard letters in response to CCA requests seemingly based on the Slater judgement over the signature of Steve Birkinshaw. The letters are identical except for the inserted para of what the true copy comprises; they are sending this even where only the reconstituted T&C are included. Slater was quite narrow but also included: "Was the credit limit shown? 14. This issue and those following will involve reference to the Consumer Credit Act 1974 (“the CCA”) and to the Consumer Credit (Agreements) Regulations 1983 as amended (“the CCAR”). 15. Section 61(1)(a) of the CCA provides that: “(1) A regulated agreement is not properly executed unless – (a) A document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, ...” Best wishes vic

A bit confusing. Halifax card paid F&F, but still being chased ? BOS loan- you were paying £1 per month for a while up to 08/06. You were paying via CCCS, but there was some confusion. BOS, thought you ended payment in 2004 and discovered payments in 2006. What I would suggest that you do is write off to the Head office of the relevant part of the banks, just stating your confusion about what has gone on with the accounts. Make a summary of what they have told you in the SAR information and ask questions about the history of the account. Basically ask them to provide the information you are looking for, without admitting to the debt. Don't get into enforceability arguments. It is just about the lack of information, to help you understand what has gone on with the accounts. This ongoing correspondence about them helping you by providing clear information, should help you as you try to deal with them.

hehe crapquest up to their usual fleecing tricks lee will sort it just hang tight. dx

Emmtay, Assuming you did not pay the loan off early, your refund should be: Cost of PPI: £780 Compound interest: £618.44 8% on monthly repayments: £1285.11 8% on difference: £1,012.37 Total claim = £3,695.92 DJ

OK, firstly I think it would be ok to presume that your Mother wrote that letter 'under duress' so it is not automatically and admission. Am I correct that nothing has been paid since 2007? Personally, I would totally ignore them, open their letters as they arrive and only take notice if and that is a very big if they threatend Court Proceeding. I am also fairly sure, that, having said that, as there is already a Judgement in place, they cannot issue further CCJs, and in any event, it would be the Original Creditor that would now have to take up the sword to try and enforce the CCJ. A judge would be extremely unlikely to allow this given the period the OC has been 'inactive' on this Account. Others will be along but hopefully their advise will be similar. Please tell you parents not to worry, keep on here for advice as things move (or not) along.

The more experienced engineer who was working with me on this day has at no time been disciplined regarding this and is still working for the company. How about putting it here? Following the disciplinary hearing I was informed that I was being dismissed for gross misconduct.

Sounds like mind games to me, if they are so sure everything is in order they would just issue the summons.If you would care to post up anything they have sent(less personal details) I will take a look. Regards Andy

I would reword the first paragraphs as follows: