Sorry to jump into this thread, but I was told in this post http://www.consumeractiongroup.co.uk/forum/general/74067-regal-credit-will-not.html that as it was for an overdraft, CCA did not apply. Was the information I was given in that thread wrong ??

Hi Again, Same DCA, and another letter from them demanding money for the accounts that they have failed to supply details from CCA request I have written up all the information and all the evidence is together including proof of delivery and their initial response to CCA requests saying they will get the information and get back to me, and it is ready to send off to the OFT and TS. In my last letter to them I (as suggested above) asked for details of their complaints procedure, which they have not sent. I don't think that I can report them to the FOS as I don't think they are regulated by the FSA, they are member of the CSA and they do have a complains system to report thier members, but I don't think that they get into any trouble over it.

I have protected No claims, and I was hit in the rear by another driver, who is denying any responsibilty, even though I still have full no claims, my premiums have still gone up, I proved this by putting both cenarios into the online quote systems, full bonus and no claims/accidents and full bonus and one non fault claim, nearly £200 difference !!!

I am looking for some information relating to sale of goods and services act and utility companys when they instal new conections. I was recently charged £1100 for EDF to dig a meter square hole a meter deep (in the pavment outside my house) and fit 1.2 meters of cable to a meter point, in addition to this I was "forced" to provide a road closure which has cost around another £1200. which according to the guys that did the work, was not needed. If i'd gone through EDF it would have cost £2500 for for the road closure on it's own, So I organised the road closure through the local council, I have written to EDF and asked for a refund of part of the costs of the road closure (50%) as a gesture of good will as Their contractor and then 2 other inspectors said after the work was done, that although the road was narrow and as the work was done on the pavment and not the road and that the road was hardly used and unsuitable for large (bigger than a transit) vehicles there was no need for the closure. They refused point blank The Engineering manager refused to book the work in to be done until I had provided proof that the road closure had been ordered. To my point then, would £1100 be deemed unfair for the "service provided" taking into account that this work CAN NOT be done by anyone other than EDF or through them by thier appointed engineers. Would it be woth my while requesting a partial refund of costs ?? I'm not a total cheapskate and want everything for nothing, look at my homepage (in my profile), The power was dissconected in 2003 after a fire that Directline did not settle, so I have had to spend all my savings and nearly 2 years of my life rebuilding my house, and every penny counts. On the other side of the coin Southern Gas networks charged me a total of £228 to dig 2 large holes (one was the EDF hole dug out again) and one in the road and a large trench and used a moling machine to instal a new gas supply, and did not require a road closure.

Sorry to did this old post up, but just having a read through some old posts Did you get anywhere with this and another thing did the holiday company have it's own insurance ? if so could you not try to claim tha damages from them, it might be easier..

Sorry to disapoint you, but although you still have full no claims, your insurance will still go up as a result of a claim

I've Re Read (just me being a donut): But this may now pass the blame (as previously mentioned) backto the broker, as they should have asked for the correct details and not just copied the details from the old policy.

What was the pre accident condition of the car, was if serviced form new, full service history, loads of receipts ect. all will add to the value of the car.

Just another thought, If the father was a named guarantor of the HP or finance agreement, this may could then be viewed that the father had a financial interest in the vehicle, This may be a valid point of argument, as it was for his own financial security that the vehicle was insured in his own name, Although this may be totally irrelevant The main thing here that seems to have been completely overlooked is that the car was registered in the mothers name, and this seemed to be the issue the underwriters have a problem with. I thought that Spouses were automatically insured ? if so, why should the fact that it was registered in the spouses name be an issue, especially as some policies ask/insist in their applications that the car be registered in either the policy holder or policy holders' spouses' name. I think that it maybe time to ignore the son issue completely for the time being (it will no doubt be looked into later by the insurer) and concentrate on the actual reason the insurers have rejected the claim. The above reason may well be valid justification to take the case to the Financial Ombudsman, as there is definatly no increase in risk with the car just being in the spouses name.

Sorry to Hijack the OP's post but this has to be said I have no intention of getting into an argument over this,Yes I'm sure that many of the call centre staff such as yourself are nice friendly people who do thier job very well, but the minute it goes beyond you, it's a whole new ball game. When it comes to dealing with claims managers and also higher up management such as the likes of Mr Rudelis and RBSs' Private investigator who lies and pretends to be there to help the customer and often calls himself a claims consultant and many other things too, Ed Pattington. there's a whole new side to RBS that is not portrayed in their adverts. They even contacted the landlord of the house I was renting (while I was waiting for a decision on the claim) to tell them I was moving out in 3 days time, I knew nothing about it till my landlord phoned me panicking to arange last minute viewings so they could rent it out again. I then get the same letter 2 days later. they had deliberatly tried to make me and my 7 months pregnant partner homeless. Luckily the landlord was OK and let us stay on. Just click on my homepage for a brief run down of my dealings with them it's a temporary site while the main one is put back up, I know of several others that have had thier lives ruined by the firm. I was even emailed last night by a guy that was bankrupted by them after a fire. The proper site will be done shortly and will be advertised EVERYWHERE and as there is only truth and copies of genuine letters between me and them, there is nothing legally they can do about it, I own my own server so they can't even bully a host into taking the site down.

Hi sorry to hear that you have to deal with the RBS group (Directline) as already mentioned you will have to raise a complaint and go through their complaints procedure in full, this will take 8 weeks, but once you have their (we're not going to help you) reply you can then go to the FSO. The downside is that RBS are one of the most unfriendly companies you'll ever have to deal with, they really are a law unto themselves and it does seem they are allowed to get away with anything they want. Make sure you have all the information you could possibly need, do not rely on RBS (Directline) to give the FSO anything usefull, they deliberatly withold information if it is to their advantage (I HAVE PROOF OF THIS, they tried to imply that I took out an insurance policy after a fire and withheld the Firebrigade report to substantiate their claims) If it does go to the FSO try and stay one step ahead, and keep checking to find out of they need any other information that you may be able to provide rather than them having to wait for a reply from RBS as RBS have a habit of dragging their feet when it comes to dealing with the FSO (again I can prove this) The FSO will do their best but can only act on information provided, so make sure yours is complete. Hope this helps. Pat

And now back to the OP You are in a very awkward position, you may be lucky if you have a nice Ins Co, as already mentioned they may be prepared for you to pay the additional premium for your son to be the main Policy holder from the start of the policy. The problem you may have is that it could appear to an insurance Co that you made a deliberate attempt to pay less for your sons insurance by having him as a named driver rather starting his own policy for his own car, they might argue that the car was on Finance by your son, the may even be a HP agreement in his name, so there would be no real argument as to who the owner really is. I honestly think your best bet would be to come clean partly, but blame naivety as your excuse, definitely don't stay with the story that it was your car and that your son was not the main driver unless you can prove otherwise (Son at UNI full time and car kept at your home type thing). You may find as already mentioned that the FOS threat will be the best solution, this may also work in your favour as the FOS do allow for naivety, if you can show you did not intentionally try to defraud the Ins Co, it was just a silly mistake and you believed what you were doing was allowed then you may get a ruling in your favour. FOS case history would be a great place to start looking, I remember a case when I was looking through a year or so ago, not to dis-similar to yours where it went in the customers favour. (i've had a really nasty experience with Directline insurance and lost everything after a fire so did a huge amount of research on insurance law and the implications of their T&C) It would also be worth your while now to find out the difference in policy costs to see how much money they have lost out on as a result of insuring your sons car the way you did. One other thing is that has not been mentioned is that some Finance companies insist that the car is insured, you might find your son is in Hot water over this (sorry) but you should really check the situation on this. Hope this helps a bit

Can i confirm it's the OFT and not the ICO, or should I just have a party and send to all of them. Thanks

Thanks, Will do. It was Thames Credit, who seem to be popping up on here quite alot.

Hi Guys I've today received another letter from a DCA in relation to some accounts, They are the standard You have not responded to our letters so we are 1) going to take you to court or 2) send details to our field agents for collection. There is no County Court Judgment on the debts, They are unsecured debts. They failed to supply any documents in response to a CCA request that was sent in February 2007. I wrote to them last week by recorded delivery advising them that they had failed to to provide the documents and that they had broken the law, and that they can not now collect any further money without an court order. But they still keep writing, Can I ignore this or should I invite them to take me to court as they are now in the wrong ?? Many Thanks

Just read it through and well done, although my situation is similar, it is not the same, as I have been making payments it appears my debt will not be statute barred for 6 years from last payment (which was 2 months ago). If I go direct to trading standards would it then be possible for the debt to be passed back to the oridginal creditors, and should the paperwork turn up in the next 6 years I would then be in the situation i'm in now. I was thinking that if I can get them to settle now for a few peanuts, then it will be over for good, But if i'm wrong in thinking this then please let me know

OK I have drafted the following letter, can anyone advise if it is worth my while sending, Many Thanks Please find attached copies of CCA requests sent to you on 19th Feb 2007 by registered post, you responded to these by letters dated the 22nd Feb 2007, by saying you will obtain the requested information. As you are no doubt aware after 12 days from receipt (6th March 2007) you were in default of the notice, and then 30 days from then (5th April 2007) you committed a criminal offence and from this point onwards can not enforce collection without a court order. I am looking to settle this amicably and would like to offer a token payment £XXXXX in full and final settlement for both accounts, in addition to the account being settled I would also require for you to notify the relevant Credit Reference Agencies that the accounts are now satisfied. Should this be satisfactory to you it would be totally pointless for me to pursue the matter further as it would involve my valuable time, and not benefit either of us. Please respond within 10 Days of this letter so I know if this matter is settled or not.

OK Thanks One of the cards is years old and maybe outside the time limits of an SAR, not sure how to go about checking, but as I was paying the DCA, only for a few months before I requested the documents. I doubt I can now have it statute barred. although as it is possible they may not have been legally able to collect the debt, could it mean the timer was not re-set ??? and as such I don't really want to stir things up with them if there's a chance that it maybe or is about to be barred. Who do I report them to ?? As they have broken the law and probably know this, does this now make my possition stronger in the respect of getting a decent FFS, is it worth my while offering them a stupid amount to settle, one of the cards is for about £1000 and the other is about £1300 ish. Would it be seen as blackmail even if I were to word it carfully, Like please accept this 5% offer in FFS, and I will be happy for this to be the end of the matter as I don't want to spend the time and trouble reporting you to the relevant bodies ?? Would it be worth it ??

Also would this put me in a position where I could offer them a silly Full and final settlement amount for both debts

OK, I have searched (via Ask) and can see snippets nof my issue but I also find some contradictions so I am a little confussed. I am dealing with Thames Credt how now claim to own 2 debts, one for a Morgan Stanley CCard and one for A Halifax CCard and Bank account. (they have combined the Bank account and CCard as one debt). I sent the CCA request on 19th Feb 2007, it was recieved by them on the 22nd and I got a reply from them saying they will have to get the documents and be patient. I heard nothing since from them until I cancelled the DD payment which was due to go out the 2nd week in April (I gave them almost 8 weeks to supply the documents) The letter I got from them said along the lines of you must not stop the DD and was threatening me with legal action, I Phoned them yesterday and they said what are you going to do about paying this account ?, I replied, "what are you going to do about supplying the information set out in the CCA request". Then they cut me off. I phoned back and spoke to someone else, they repeated the script, and I changed my wording slighly but asked the same thing. He got all flustered and said he needs to speak to a manager who would advise what to do, and would let me know.. What I need to know is my legal position, and what I can now do, it has been 10 weeks since they recieved the CCA request, they are overdue by 4 weeks to supply. Have they broken the law, can I be taken to court for the debt, can the debt now be passed on to someone else. Please let me know many Thanks

I'm in the process of claiming them back at the moment, but the DCA won't let up on the chasing even though I have told them the account is in dispute because of the bank charges.

Yes it is an overdfaft, so do I have no protection and no comeback on the DCA, I have to let them keep persuing me for the bank charges. Many Thanks Pat

I've been having ongoing rows with Regal credit with regard to a closed Barclays Business account. I sent them a CCA request letter and also asked them for deed of asignment, This was sent on the 19th Of February, and signed for on the 22nd. All they have sent me (and this was only after I emailed them last week to remind them that they had exceeded the time limit) was the statments. There is no sign of the DOA and no Credit agreement, They have today sent me a letter basicaly saying here's what you asked for, when are you gonna pay us ? What should I do now, This account is atracting interest, But as they have failed to supply the Agreement can I now force them to take me to court for the debt of £1350.00 70% of which is bank charges. Many Thanks Pat

I have written to one of the DCA collecting on behalf of Barclays, and they have missed the deadline set out in the CCA letter by about a week. I Emailed them yesterday stating that they had not supplied the documents and dealine had passed. I recieved an email from them thismorning saying that they had asked Barclays to send the documents requested and that they were eledgedly sent on the 28th of last month. Can someone confirm who's responsibility is it to send the documents the DCA or the Bank, also as I was also requesting a full statment of payments , who should be sending that, and in addition I requested that they send me a copy of the executed deed of assignment . Can someone please tell me who is responsible for supplying all of the above documents, the DCA or the Bank. Many Thanks

I sent my SAR via recorded delivery to my local Nationwide branch 30 Days ago, it was signed for, and I have a copy of the signature. I have heard nothing at all from them, if they do not respond within the next 10 Day as stated on the SAR, what should I do with them ??