get well soon clemma...we need ya

probrably not as the bill wont have been paid to the vending machine company....

quite right post but probrably not intelligent enough to be a DCA To be a DCA you have pass certain tests: 1. Spell there own name correctly..... this is where most DCAs fail....but to be honest anyone can spell t..t 2. Be able to Sell there granny to the highest bidder..... 3. Be able to threaten a single female until she cries.....normally mastered after one training session 4. be able to Act dead hard in front of a 10 year old....again normally mastered after one training session 5. Be able to lie, cheat, have no manners, deceive, threaten and be plain pig ignorant. ... actually come to think of it... i think you may be right post...

the staff can kiss my peachy ass for all i care, i hope they go through the same situations they have put us through......

if you read back through the thread, you will notice that all of this has been done and have all been given the runaround. You may have more luck reading through it and filtering out tye info you need, rather than wasting money and time calling them as the answers wil be exactly the same.....just rying to save you time and effort on these numpties

Im a bit confused about business rates.... if you have a ltd company and due to circumstances it goes bust the debt is written off with company but why is business rates still payable...it just confuses the heck of me...

i know for a fact that when finance is set up for a vehicle, the commision for the business is the first priority and all commision is earned from the sale of any insurance product... the business first of all gets its commission and then the salesman..

just got this of LSE website.....end of last paragraph a bit concerning and may suggest cattles may pull through...hope not though Publication of 2009 Annual General Meeting Circular Cattles plc announces that the 2009 Annual General Meeting will be held on Wednesday 29 July 2009 at Saviles, Armouries Square, Armouries Drive, Clarence Dock, Leeds, LS10 1LT and will start at 11.00 a.m. The 2009 Annual General Meeting Circular and accompanying Form of Proxy will be sent to shareholders and others entitled to receive them on 27 June 2009 and copies of these documents are today being forwarded to the Financial Services Authority for publication through the Document Viewing Facility. Copies of the 2009 Annual General Meeting Circular may be obtained from the Company Secretary, Cattles plc, Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, West Yorkshire WF17 9TD and will be available on the Cattles website (www.cattles.co.uk/index.php?2009_agm) from 27 June 2009 onwards

hmmmm strange kind of dream...im sure ive seen a film like that.... lol

post...your a genius

Thanks post, ill get that sent straight away. Just a quick question...if i have actually requested the statement of price or underwriting sheet in my SAR do thay have to supply or can they choose no too...

just recieved our info, however no ts and cs with the agreement, no underwriting sheet or statement of price, however we did get somebody elses stuff including court request for info, bank statements and everything else...how bad is that...i cant belive they can be so reckless...morons

Post...you would be well worth the 500K and your right...there is no hope as the people employed by welcome are the lowest form of muppet with no intelligence , just a love of greed..................on another note...I mentioned last week that santander spread the acceptance fee across the term of there agreements but seem to think it is ok as it mentions it in the agrement.....i mentioned this to the rep from our other financial supplier and he said the very first payment of there agreement is the acceptance fee, nothing else just the acceptance fee.... the agreement then kicks in a month later, the reason they do that is ....in his own words....ilegal to charge interest on acceptance fees....so there is obviously a lot a substance to this argument..

Caggers

would you mind pm,ing it to me thanks

got exactly the same response from them, however the signature on the royal mail website looks like a childs scribble... they are there own worst enemy, been waiting for my agreement and SAR for nearly 4 months and have told them no more payments till i get them...idiots...no wonder they have no money

got a couple, hope they help APR Calculator: How to calculate APR on your mortgage Loan & APR Calculator

do you have a copy of the needs and demands statement that should be completed to prove you want it and more importantly qualify for it... got to ask yourself the question also...what use is a 60 month insurance policy on a 180 month loan... its a clear mis-sell

post, have a glass of wine and take a deep breath, your working like trojen on this and we cant afford to have you burn out when you are doing such a stella job and im sure everyone will back me up on that...

strange one this is. The rep from santander that i deal with at work was telling me that they spread the acceptance fee over the term of the agreement so then interest is added to it. He told me that as long as it mentioned this in the agreement it was ok.... how does that lie with this then.

A standstill agreement is usually an instrument of a hostile takeover defense, in which an unfriendly bidder agrees to limit its holdings of a target firm. In many cases, the target firm is willing to purchase the potential raider’s shares at a premium price, thereby enacting a standstill or eliminating any takeover chance. By establishing this provision with the prospective acquirer, the target firm will have more time to build up other takeover defenses.

This was published by David Postings on the Cattles intranet site at 11:30am this morning. Jamie, Robert and I are in daily contact with our lenders and their representatives. We have given a series of presentations to different groups and we have had a very fair hearing. We believe that all concerned would like to see Cattles pull through it's current problems. The work that we have done on reducing costs and collecting cash has enabled us to discuss the future with more confidence. You may have seen an article in the press yesterday talking about a potential standstill arrangement. We have issued a statement confirming that we are working towards a standstill. If we achieve this it will be a good thing for the business. A standstill is what it says - a period when the lenders stand still and it would mean that we would have a period of stability during which to finish our planning and agree how to move forward more formally with our lenders. I would have preferred that this had not been discussed in the press and there is little more I can say now. I know that many of you continue to question when we anticipate being able to publish our 2008 annual report and accounts. As I've mentioned earlier, discussions with our debt providers continue and until these are completed we will not be in a position to publish our 2008 annual report and accounts. If we succeed in entering into a standstill with lenders this may not be sufficient to allow the accounts to be signed off.

The thread is brilliant but it does from one subject to another very quickly and its sometimes hard to keep up. Its 12 + 2 before you can put the account in dispute. Good luck.

i sent my subject access request and CCA request in march and nothing has materialised, i have even spoken to them on the phone and asked for them to be sent to me. The trouble with welcome is that the staff are that dense and poor at there jobs that they probrably just bin the requests when they land on there desk and to be honest because they are on borrowed time they couldnt care less anyway. I know its a long thread but you should try and read it from start to finish, by the time you have finished reading it the SAR and CCA may have arrived... LOL. There is some great advice especially from post and andie and when your documents arrive you will know exactly what you ar looking for.

This is one of the reasons that ppi has become such an issue. When you are sold any policy it should be determined at the point of sale as to whether you have a pre-existing condition and that should be done through a form of questions and answers and stored by recordable medium; If you have then the policy is not suibtable. To say that it wont cover you for any pre-exsisting conditions is a complete joke...if you have a pre-exsisting condition then PPi should not be offered. Most financial institutions have stopped selling it now as they are now aware of the amount of s##t that is going to hit the fan and the amount of money that will have to be paid back. Its through sites like this that people are aware of how much they have been fleeced and are fighting back against mis-sells.