sorry to hear about your dad I get lots of trouble with teenagers here to, I would take photos whenever they are hanging around, it puts them off, (that is if they haven't got hoodies on). Hope he perks up soon x

Good luck sorting all this out, I'm in a similar position but this forum has really helped

I think it is extortionate and would be seen the same by a judge, if it goes to court I believe even if the judgement goes against you you still get another 30 days to settle to avoid the ccj. Does anyone know if provident actually end up in court? I thought they avoided it because of their extortionate credit bargain

as you are now aware if you don't owe them any money you cannot send a cca request, you can send a s10 notice though asking them to stop automatic processing of your data

I can't post on sky as it keeps on coming up error!!, I will leave it here and post it there later If they tried to take my pet, I think it would quickly become a very sticky situation, I wouldn't let them take my dog and would fight, what if someone got seriously hurt or murdered. I think there would be suicides also, people who get into debt tend to be at a very low ebb anyway they don't choose to become debtors, people don't sign for credit with no intention to pay, circumstances change, i.e. illness, family, They get behind and can never catch up, because of the bank charges/bailiff charges have caused this to become a spiral of debt, surely this could be the last straw for some people. If you think this could never happen to you, then this shows complete arrogance but I suppose anyone can live in a bubble if they choose

lol, well for purely selfish reasons I would love you to stay around:D

subscribing

I have linked addresses I want to remove from an OUSBA account for 18pounds settled default, this account is no longer on my credit file as six years have passed but the linked addresses supplied still remain. anyone got a template letter to get these removed please from info comm Linked addresses A linked address may be created when an account moves between addresses, such as when you move house, or when a lender checks your records at your previous address, or if you tell a credit reference agency about a previous or forwarding address. A linked address may stay on your credit file for 6 years after the link has been created.

subscribing

I'm going to take on abbey via MCOL,this week so our claims might tie in, I think they owe me about 700 pounds, need to update the interest myself from my last spreadsheet, the charges go back 6 years so it might be more. I've been putting it off a bit I must admit because I knew abbey were being a pain, but if we can get away without the allocation because of their abuse of process it will help. I'm a mature student myself, nearly at the big 40 gulp:D:D Sandy

ok thanks should I quote different sections of the CCA on the cca request other than the one in the templates on this site? reword, is the standard cca request the one I send?

I've been told recently that my overdraft isn't regulated under the cca and that it is in the consumer credit agreements long thread (dependant on the poster). That thread is just too long now and is getting tangled. definatively which of the above is correct can I send a cca request to smile bank for my 2000 overdraft or not? confused:confused: thanks p.s I have exceeded it and it has been cancelled back to 0

you need to write to them asking them to remove the default, the care payments etc will not remove this default, so go after them for removal because no credit agreement ever existed. Do not acknowledge any debt to them in your letters. Maybe you should post this in the default removal section of the legalities down the bottom, did you get a default the credit file or a notice warning of default? I'm unsure about these care payments, maybe they are insurance and do not come under a penalty as such, someone else will probably be able to help you on that issue I'm afraid. sorry I can't be of more help, but need to decide whether you want the debt cleared/not enforced and the default removed or just get back the care payments. http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/79147-consumer-credit-act-resources.html here is a link regarding default removal, http://www.consumeractiongroup.co.uk/forum/abbey-bank/92062-default-removal-plus-compensation.html

OK was getting confused as I used Peter's link and it said May 2007. Schedule 12 is the amendment then, which hasn't been accepted yet then?

are pets now off the agenda? 133. Exempt goods will include tools, books, vehicles and other items of equipment as are necessary to the debtor for use personally by him in his employment, business or vocation; and such clothing, bedding, furniture, household equipment and provisions as are necessary for satisfying his basic domestic needs and those of his family. The definition will also include domestic .......pets, and sufficient cash to support basic domestic needs. 134. The items that will be considered as necessary for satisfying basic domestic needs will include: • a cooker, • a fridge, • a washing machine, • a dining table and sufficient chairs to seat each member of the household, • bed and bedding for each member of the household, • a telephone (this could be a land line phone or a mobile phone), • any medical equipment. 135. A computer may be considered a necessary tool for the debtor’s employment, business or vocation. 136. Fixtures and fittings attached to external power and water supplies to provide lighting, washing and heating facilities (e.g. a bath, a gas fire, electric light sockets etc.) will also be exempt from seizure. Paragraph 7 – Notice of enforcement. I read that they cannot take jewellery off the person, so maybe it's time to get some bling guys.

subscribing, I'm a single parent to, what did you study at uni, I did law?

I suppose for me I noticed a change in civil liberties around the time they stopped people attending stonehenge at midsummer, it stuck in my mind and it's now virtually impossible to assemble to protest due to the terrorism laws. Right of assembly has been so seriously affected by the poll tax, miners strikes etc, Labour have only confounded this by the HRA 1998, you can't even protest outside parliament for gawd's sake. Makes me want to move to another country. sorry for rambling have\ny had my first coffee yet.

another insight good luck http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/83151-vodafone-default-help-please.html

have you read Dayglo's thread regarding removing a default lodged by Vodaphone, it's a long read but invaluable. http://www.consumeractiongroup.co.uk/forum/legalities/29293-dayglos-mission-get-his.html

I always thought notice of corrections were sold as a good thing but are really of no use to jo consumer and may infact be damaging. I also believe mobile phone companies are stating that they are not operating under the CCA .

any news?

well done, you make it sound easy somehow, (i know it's not) reassuring thanks:)

what stage were you at?:o

ppi is obviously wrong, CCA to them recorded immediately, good luck

ACCOUNTANTS' BILLS If you have an accountant who usually deals with your tax returns you may have a problem if you are not up to date with their bill. Sometimes accountants refuse to complete tax returns or give you back your books if they have not been paid. This can cause problems with HMRC if they have sent you an estimated tax bill that is too high. If you cannot get your books back try to give HMRC a summary of your trading figures from any papers you have. Tell HMRC why you have no books. Ask them to accept your estimate even if you have no papers to prove your figures. Try to negotiate with your accountant to give your books back. They may agree if they can see you are in no position to make any sort of payment to them or you may be able to make an agreement for a part payment instead. interesting maybe they have a get out of jail free card, although they probably deserve it for doing such an awful job, I'm studying accounts at the moment towards a conveyancing qualifications and it is very tedious. What if My Accountant Refuses to Return My Books? If you have not paid your accountant, then he or she may refuse to give your books back to you until the bill is paid. This is known as a lien. Essentially, the accountant has the right to keep the books on which work has been carried out, and for which some or all of his or her fees have not been paid. He/she should not be keeping books for which there is no debt due on the work done. A lien is not enforceable in bankruptcy or in liquidation situations. You should contact your accountant and explain that you are unable to pay, and that the return of your books will help you put together some repayment proposals, which should result in a better offer to the accountant than would otherwise be possible. This is particularly significant where there are income tax or VAT assessments to be dealt with, which could result in refunds. You could take legal action to recover your books, but it is important that you get a professional opinion from a solicitor.