cashins
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Everything posted by cashins
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On the rare occasions I have bothered to speak to DCA's I have found, 'this call is being recorded' rather takes the wind out of their sails. Once had a clown trying to tell me that was unlawful, (not true), reply was a sardonic, 'Oh really', they broke the connection as I started laughing. David
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Didn't want to say ALL, but now you said it,there you go. David
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Cabot Financial and Hitachi Nova loan
cashins replied to kev 123's topic in Debt Collection Agencies
My thoughts too. -
Cabot Financial and Hitachi Nova loan
cashins replied to kev 123's topic in Debt Collection Agencies
When was the original personal loan taken out? -
And don't talk to them on the phone, you are wasting your time. Some DCA's have a track record of threatening on the phone then denying it ever occurred. Keep your contact in writing. David
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Good luck with the Mercers thing. You will have to complain regarding the default dates to BC to the point where you get a final respone, then file with the ICO. This will take a considerable amount of time however they will rule that a default is a default legal or not. Always appealed to me, BC send out these default notices as a 'threatogram', hoist with own petard. David
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As a matter of interest, if you can find the original Mercers default it would be to your advantage. Some time ago I successfully had a BC default date changed back to when I had a micky mouse Mercers one which was about a year earlier. The ICO took the view that, legal or not, I could have taken the Mercers one as legit and could have acted on it. They ordered BC to change the date. David
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thanks David
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Thanks for that, looks like they are ignoring me David
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Arrow Global/Wilkin Chapman/MBNA- claimform
cashins replied to esk_rod's topic in Financial Legal Issues
Errr, could be the cut and paste dept has been at it again. Mbna have been known to try this with some fairly ridiculous off centre, out of line reconstructs that clearly could not have come from an from a standard offset printed document which is what they are. Doubt it now. Suspect the boys from the blackstuff ie the dca may be trying on. Up to you, but if it's down to Scotcall, I would ignore them and if they show up at you property, tell them to get off of it as they have zero legal rights. David -
I have an address which I got off the net for the above. I have: Santander Complaints Department, Santander UK plc, Po Box 1125, Bradford, BD1 9PG Can anyone tell me if this is correct? I have written to them twice recently and got stony silence. Thanks David
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Arrow Global/Wilkin Chapman/MBNA- claimform
cashins replied to esk_rod's topic in Financial Legal Issues
This is true, I normally ignore them. Talk of the devil, I have an old (signed 15 years ago) MBNA which will be SB in 3 mounths, so I am expecting a flurry of activity. As however I have it in writing they haven't got a clue wherethe agreement is and cannot even confirm what type it was, they can take a hike David -
Thanks all, have to growl and bear it David
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So They have issued a default notice that will not stand up in court and it has stood on my credit file for 5 years. What is to stop me bringing action to remove it? David
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Waited so long for the SAR that I had forgotten my original train of thought on this. The account was sold some time ago to GlobalArrow. Could MBNA issue another default on an account they no longer own? David
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Finally got the SAR back and waded through it - didn't really tell me anything new. Original question: can I get a default removed if the notice was invalid, (this one did not have 14 days when allowing for postage), it's currently 5 years old. I have seen cases on here where a debt has wound up in court and the judge has allowed a new default to be issued. Could MBNA simply issue a new default? David
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I also have done this over the years. I fact it's quite funny to see the sequence, how hysterical they get and then give it up. If you make your living out of trying to frighten people and they totally ignore you, they just move onto another target. David
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Thanks CB These debts are 'junk' anyway, obviously if they were not action would have been brought long ago. Due to the amounts involved however I do expect some last ditch stuff. David
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I am about to come into the 'silly season' regarding some old debts, fallen off of the credit files but last payments in 2008. Not out of stat barred. If I recall under legislation these companies are now required to send you a statement of account every 6 months - non have done so, I also remember that if they fail to do so they cannot claim any arrears. Can anyone advise if they can still bring action for the original ammount. David
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Oct 2008 - which means they had 14 days. David
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They should be. I my case however a fairly large account was defaulted but the default never registered. In this case the default is now over 6 years old and would havefallen off anyway. David
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default placed cat company - need it removed
cashins replied to turkwyfe4lyfe's topic in Mail order catalogues
Unfortunately no. It will become SB 6 years or (5 years Scotland only) from the date of the last payment or written acknowledgement of the debt. David -
Thanks for everybodies help. Think what I had better do is SAR MBNA to see exactly what they have got up to. David
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On the DN I think they would have a prob anyway. Can't see that they could issue a current DN 5 years after the cause. If they issued a backdated one - it wouldn't be possible to rectify the position within 14 days!! Puzzled by Harrison as they were trying to reconstruct a '98 agreement - thought that they had to produce the original in court for ag's pre 2007? David
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One last question on this (promise). Who would I take to task on this, The OC MBNA or Global/Arrow who currently hold both the supposed debt and the default tag? Thanks david
