This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Claim is now no more. Never made it as far as court, can't say much more suffice it to say the fizzy wine was flowing.

Not that I'm condoning speeding, but: Drivers can avoid speeding tickets...by changing lanes | the Mail on Sunday

Interesting reading if anyone wants to read it: The Yes Car nightmare | This is Money Half way to three quarters of the way down. 'Tis Moi!!!

This is the standard template I used for writing to Trading stnadrds and the OFT. http://www.consumeractiongroup.co.uk/forum/general/33769-complaining-under-cca-1974-a.html

This case now follows onto this link: http://www.consumeractiongroup.co.uk/forum/legalities/37030-when-dca-says-cca.html

This also might have had something to do with the fact that I also sent a letter into Hull Trading Standards and the OFT Cc'd into the company secretary at Wescot pointing out there failure under the CCA to adhere to their responsibilities. Anyway, £1300 written off. I'm still chasing them for £1200 I've already paid.

Okay, Here's the scenario I've been in. People may be aware of my Wescot/Goldfish saga. Wescot have been chasing me for an alleged debt from Goldfish. I sent in my CCA request with postal order and they informed me that sections 77/78 of the Consumer Credit Act only apply during the lifetime of an account and as my account was defaulted and closed, this does not apply. Strictly speaking, this is true, but here's the letter I sent back, I've left some personal bits out of the bottom: Anyway, 10 days later I got a letter back from the CEO's solicitor advising that they were writing off the debt.

I'll let them try and sue me for libel. But, if it makes anyone less nervous, you can enter the word 'believe'

And my copied letter to the chief Exec of the FSA.

First letter going off to Financial Services Ombudsman, Cc'd into FSA.

http://www.consumeractiongroup.co.uk/forum/general/5816-fsa.html Force the FSA to take action.

The Central London County Court houses the London mercantile list. (the court) The reason somone is mentioning the High Court is because the Mercantile Courts function as specialist lists within the Queen’s Bench Division of the High Court. That's why their decisions are binding on the County Courts.

I'm claiming damages against Yes Car Credit and part of my claims based on the Human Rights Act. I'm claiming that they've breached my right to enjoy my possesions. Article 1 of the first protocol. I'll keep you all posted.

Section 78 (6) of the Consumer Credit Act 1974 As set out by statute, I've asked, they've failed.