NOW KEEP THE LETTER FOR EVER BASICALLY BECAUSE IF THIS TURNS UP IN ANOTHER DCA AND PROOF IT WAS PAST FROM THAMES THEN YOU CAN SUE THEIR ARSES.

bumping up for help want to use mcol asap.but need someone to see if the default notice is false/fraud...please check dates ive typed in.

screen dump states default notice 29/7/05 letter generated 19/8/05 cap one sent today the above copy dated 17/08/05 stating within letter 27 august 2005. so, the dates are all wrong. regarding asking for proof of postage, this has been back n forth for ages, already had final response (3 times)lol. just need someone to say this is totally wrong, for me to go to court charges ppi interest void default notice (therefore it should not have been sold to rob way) all, refusing to pay rob way due to cap already offering a 'refused' amount, therefore actually showing be their 'goodwill' gesture the account they sold to rob way is an illegal amount.

http://www.consumeractiongroup.co.uk/forum/capital-one/107526-mmm-another-crap-1-a.html CAN SOMEONE WHO KNOWS ABOUT DEFAULT NOTICESHAVE A LOOK AT THIS PLZ...........

ellie actually says in her letter that this is my default notice. the dates are wrong. printout- 29/07/2005 default notice date 17/08/2005 as of date on default letter (?) 27/08/2005 ALSO, YOU ARE SUPPOSED TO GET 14 DAYS NOTICE TOO, NO LETTERS ETC TO SAY THAT.

OK, RE-READ POSTINGS ABOVE..SO RE-CHECKED PAPERWORK FROM CRAP ONE IN PRINT OUTS IT STATES DEFAULT NOTICE-OVLM amt 36.60(the price) 29/07/2005

ok, sent a list of things i wanted answering by the famous 'ellie renshaw'. she has admitted the extra 43.09 is charges and interest (ok,for what?) also sent me a default notice copy...lol dated 17th august 2005 but further down states as of the 27th august 2005 you have defaulted and you owe us xxx.xx. also, dont have all the things needed on a default notice: The default notice should state: Name and address of creditor issuing default notice and name and address of the borrower. (no address for crap one, unless you count the small print at the bottom) Type of agreement and details of the breach of the agreement. (NO REFERENCE TO CREDIT CARD) Early settlement figure (for fixed sum only). The action to be taken by you to remedy the situation and comply with the agreement. The next action that the creditor intends to takes, should you fail to comply with the agreement. (ERM,THEY SOLD IT,NOT PASSED IT) REFERENCE TO 1974 ACT(NONE) crap one their tel number ref letters/numbers my name my address(though i dont live there when dated) 17/08/2005 dear groovychickmum, account number: balance xxx.xx credit limit: 200 overdue amount:xxx.xx IMPORTANT - YOU SHOULD READ THIS CAREFULLY STATEMENT OF DEFAULT Your Crap one account is now offically in default. As of the 27 August 2005(?) you have defaulted and you owe us xx.xx. 1. We have terminated your account. This means you have permanently lost your account and all spending privileges on your card. 2. We now have the right to demand that you pay your full balance immediately. We may add any reasonable costs we incur as a result of recovering the amount owed. 3. We will notify the credit reference agencies that you have defaulted on your agreement. This may affect your ability to obtain credit from other lenders. 4. We may place your account with debt collections agency, which may use door-to-door collectors or begin legal proceedings to recover all sums owed to us. OUR NOMINATED REPRESENTATIVE WILL CONTACT YOU SHORTLY. YOURS SINCERELEY Greg Pye Payment Specialist Manager Calls may be monitored and recorded for training purposes SO, I'M THINKING THIS HAS JUST BEEN DONE, BUT PROB NOT..THOUGH NO 1974 ACT REF,NO ADDRESS FOR CRAP ONE WITHIN LETTER(ONLY SMALL PRINT AT BOTTOM), DATES DONT MATCH DATED 17 AUG,THOUGH SAYING AS OF 27TH AUG.(2005)

here's another one> 0800 408 890 over the last week, 2 silent calls then they called yesterday and actually someone at the other end. BT........... i have finished 18 month contract with them for broadband and phone, so therefore i am free to cancel or change without penalities........lol. the call.....asking if i'd like to sign up for a better deal(? already on the top broadband,and am happy with the price), o, well we can reduce your payments ...erm, nooooooooooooo..listen to me, i dont want to sign another contract. in the end, i put the phone down after a loud goodbye from me. so.........if contracts are coming to an end for bt broadband , expect a call, btw, she wasnt english, dont think they had helped her with her reply to NO i dont want to sign a new contact.

they fast track through northampton, and a lot of people ignore /or dont defend,,,,,,,,,,,,,,defending means they need to prove they have a case of asking for your money, and they dont have the proof.

the answer anyone here would give would be ignore the letters received today. they are bound by your legit request for cca. 12+2 working days(monday through to fridays) they are in default,and cannot take action against you until they send you what you requested. then a further calendar month, no action can be taken, it becomes unenforcable, unless they want to take you to court, but they need a signed credit agreement to rely on in court. check my b carter thread, they started proceedings, i defended(partner) and they ditched the case, and 3 days later closed their file. i have contacted trading standards about this company/solicitors.

right, i cca'd capquest last week, replied today with a we have your request letter. whilst we wait on littlewoods response, we have selected your account for a pilot scheme.the pilot scheme consists of offering you a one-off settlement amount to clear this account by x oct 2007. basically asking for 125. in one off payment and liability will be cleared. stating NO CATCH. says default on credit file,(mmmm,read above), should you take up offer we will immediately take action to inform the credit ref agencies that you have 'SHORT SETTLED' your account and to amend your file immediately. if you do not wish to take up this offer, and do not make a suitable payment plan once you have received the requested documentation, your account will be fast tracked into litigation......... BRING IT ON..............there is no agreement, and shows as settled on credit file matey.lol. yeah, there is a default showing too, but i(partner) will fight this one in court...

subbing

hiya hun, i have already contacted cra (2 of them) both saying to contact original creditor, but its not the oc who has put the default on, its part of rob way (london scottish bank plc) who added the default. rob way keep asking for payment, as this was online order for catalogues(theres more than one) they still want payment........ they sent letter-headed compliments paper (and kindly signed it,stating no agreements) and sent cheques back, this was back in july. so, as rob way keep saying catalogue is their client, is it unlawful for them to add the default? or, have they actually bought the account from catalogue and just saying their client,due to them knowing they have no agreement? i'm confused about it. all their letters state catalogue as their client, and i am deemed to have agreed to terms and conditions when ordering online. erm, deemed? NOT SIGNED.......lol.

i thought it was only the original company who can put a default on credit file.or the next owner,not a d.c. acting for a 'client'.

I HAVE GOT A THREAD SOMEWHERE REGARDING THIS D.C. NO AGREEMENT,STILL SENDING LETTERS WANTING PAYMENT THOUGH I WANT A QUESTION ANSWERING: OC STILL OWN 'DEBT'. ROB WAY ON ALL LETTERS STATING 'THEIR CLIENT'. ON MY CREDIT FILE, London Scottish Bank plc STATED ON DEFAULT NOTICE.not o.c. NOW I KNOW, THIS HAS SOMETHING TO DO WITH ROB WAY, CAN THEY PUT A DEFAULT ON CREDIT FILE 1. NOT OWNER OF ALLEGED AMOUNT 2. NO CREDIT AGREEMENT AND THEY HAVE ADMITTED IT IN WRITING.

Therefore, I Think This Is More For A Consumer Rather Than A Company...........or Company V's Company.

PART 31 - DISCLOSURE AND INSPECTION OF DOCUMENTS TO ME........I COULD BE THE APPLICANT APPLYING TO A COURT FOR THE RESPONDENT TO DISCLOSE DOCUMANTS.IE SIGNED CREDIT AGREEMENT........SO, HOW CAN BB IMPLY PART 31.16 IS FOR COMPANIES (FINANCIAL\WHATEVER)..............ANYONE CAN BE THE APPLICANT IN A CASE LIKE THAT. PRACTICE DIRECTION – DISCLOSURE AND INSPECTION - THIS PRACTICE DIRECTION SUPPLEMENTS CPR PART 31 THE LAST BIT: DISCLOSURE STATEMENT I, the above named claimant [or defendant] [if party making disclosure is a company, firm or other organisation identify here who the person making the disclosure statement is and why he is the appropriate person to make it] state that I have carried out a reasonable and proportionate search to locate all the documents which I am required to disclose under the order made by the court on day of . I did not search: .(1)for documents predating .........., (2)for documents located elsewhere than .........., (3)for documents in categories other than ........... (4)for electronic documents I carried out a search for electronic documents contained on or created by the following: I did not search for the following: (1)documents created before.........., (2)documents contained on or created by the Claimant's/Defendant's PCs/portable data storage media/databases/servers/back-up tapes/off-site storage/mobile phones/laptops/notebooks/handheld devices/PDA devices (delete as appropriate), (3)documents contained on or created by the Claimant's/Defendant's mail files/document files/calendar files/spreadsheet files/graphic and presentation files/web-based applications (delete as appropriate), (4)documents other than by reference to the following keyword(s)/concepts.......... (delete if your search was not confined to specific keywords or concepts). I certify that I understand the duty of disclosure and to the best of my knowledge I have carried out that duty. I certify that the list above is a complete list of all documents which are or have been in my control and which I am obliged under the said order to disclose.

So, Would It Not Be Fair To Say, The Price It Is Sold For, Should Legally Be The Amount Left To Pay? (if, Of Course There Is A True Signed Credit Agreement).

THE FAIR DEBT COLLECTION PRACTICES ACT (USA) The Fair Debt Collection Practices Act YouTube - Stop Sleazy Debt Collectors WHAT HE IS SAYING IS THAT IF A OC WRITES THIS OFF AND GETS A TAX CREDIT, THEREFORE IT IS ILLEGAL TO SELL THE DEBT TO A DCA. GOD, THAT SHOULD BE THE CASE IN THE UK.

okie dokie, OFT AND TS want all my paperwork regarding mac hall. they are in the process of investigating this company so, anyone wanting to complain .....do it NOW. the more the better, never know, their licence may actually get revoked this time. I refer to your recent e-mail concerning the above company. Mackenzie Hall is a debt collection company which is licensed by the Office of Fair Trading. The Office of Fair Trading has issued guidelines for debt collectors which covers many aspects of the way they conduct their business. The guidelines are intended to discourage the type of behaviour the Office of Fair Trading considers to fall within the category of unfair business practice. The guidelines can be accessed via their website at www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf At present the Office of Fair Trading is dealing with this company. I would be obliged, therefore, if you would forward details of your complaint together with copies of correspondence to The Office of Fair Trading at the following address. Office of Fair Trading Regulatory Section Fleetbank House 2/6 Salisbury square London EC4Y 8JX this is part of an email from trading standards to me. she(at T.D) wants me to send copies to both her and OFT. Do you think this will go anywhere?

ok, OFT want everything copied and for me to send it all to them, they are investigating mac hall big time. in my case, no cca, no comunication and passing on to meritforce (mac hall own it) when it is clear the account is in dispute......so, we may well get mac hall's licence revoked soon.lol. www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf look at Deceptive and/or unfair methods 2.8 Examples of unfair practices are as follows f. passing on debtor details to debt management companies without the debtors' informed prior consent. ? INFORMED PRIOR CONSENT..... erm, i do not give my consent,,,,,is this right?

ok, finally soon communication from trading standards...they definetly want to take a look at my complaint (as they are getting quite a few lately about this company).... anyway, they want me to copy all correspondence to and from mac hall and meritforce)asap. a good result up to now.(depends what T.S. say in the end, but 1 thing is for sure, T.S cannot override a non compliance of cca request so they have to take it further than a slapped hand. i want the face slapped, arses whipped then to write a sorry letter to me........mmmm, as if that would happen. ............................................................. still nothing from mac hall, and barred meritforce from getting through on house phone .

Ok, I'm Gonna Write Back And Ask For The Cheque Back (sar) So I Can Pay Hfc For All The Information Instead....then See What Happens, Though I Will Also Let Them Know Their Timescale Was Up Over A Month Ago.

Ok, I Can See Your Point In 'they Need To Verify' It Is Him, But I Think They Should Already Have His Details, Or Ask Hfc, Simple As, Hfc Knows He Was Here, So Why Do They Need His Last Addresses? The Loan Was From A Different Address But Hfc Found Him At This Address, Now Activ/thames Are Supposed To Own The Debt.......so, I Cant Understand Why They Want Last Address, Because There Is Already A Link To This Address( Last Address For Him 2 Years Ago).

so, therefore any dca can keep data for any amount of years......... right wheres the letter for ' oy, i havent give written permission for you to hold my data,get rid of it ALL now',