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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

coledog

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Everything posted by coledog

  1. coledog
    I acknowledge receipt of your Notice of Discontinuance of this claim. Under CPR 38.6 it states that parties who discontinue are liable for costs. The claim was not allocated to track and therefore CPR 38.6 (3) does not apply. Under CPR 48.6 I am a Litigant in Person, having no legal representation, and am therefore able to recover costs for all work undertaken that would have been carried out by a legal representative. I have attached my list of costs to this letter. I would appreciate your response within 14 days. If you wish to settle the matter you can forward a cheque to me in the name of xxxx If you are unable to agree these costs, I shall move to apply for relief via an N252 issued through the court. I look forward to your prompt response
  2. coledog
    Written complaint to the Court Manager may also be worth going in yourself and speaking to someone. Also make sure that you document all this fully and send to OFT - urgently! Also contact your local Trading Standards regarding the harassment by Hart who should report it to his TS - not sure how the system works now but this is the link http://www.tradingstandards.gov.uk/advice/index.cfm
  3. coledog
    The bank will argue that you have a 'contract' with this company, as said, you really have to complain hard. Report this debt company to OFT http://www.oft.gov.uk/contactus
  4. coledog
    Oh dear! Golden rules NEVER deal with a Debt on the phone EVER. Put everything in writing and insist that the company reply in writing. NEVER, NEVER give out bank or card details EVER. Make any payments by Standing Order only You can chase the bank for a Visa debit Recharge but this is very difficult to get and you have to really push the bank http://www.which.co.uk/consumer-rights/sale-of-goods/your-rights-when-paying-by-credit-card/chargeback-on-credit-and-debit-cards/ Suggest that you or friend provide us with more details about this debt for full advice
  5. coledog
    Yes, do not deal with the door steppers at all - ignore them. See what the creditor does next
  6. coledog
    Oh! Evening Bart! Still here??
  7. coledog
    You really need to get all the correspondence to OFT. SB is from date of last missed payment or acknowledgement and has nothing to do with Default date, this is clear evidence of trying to mislead people into payments they are not entitled to collect!
  8. coledog
    Always state 'I acknowledge no debt to your company' in any correspondence that you send.
  9. coledog
    Keep the N244 brief - use what DonkeyB has said. You can give a more detailed defence to the court later. I cannot read your PDF I am afraid but yes you do want a hearing. What else are you worried about?
  10. coledog
    To be honest I would be looking to go BR - I have said this before...Clear the lot!
  11. coledog
    I would have thought so - both
  12. coledog
    Afternoon BA, DB...
  13. coledog
    Well done to you and you know who, may willow batters rule and much love to all! Well done again
  14. coledog
    No - no template Try the compliance manger xxxxxxxx Copy to OFT, Compliance manger xxxxxxx, Compliance Manager xxxxx Dear Pratts Re: account xxxx Ref xxxxxx I am writing to you regarding the above account for which I have been receiving correspondence and phone calls. I submitted a request under CCA s.77/78 of the Consumer Credit Act 1974 on ... to .... -the strict terms of this request have not been met therefore the account is disputed. I have further written to ........... about this matter.(add any further letters) Copies of correspondence are attached. (add any proof of posting etc) In addition I have been in receipt of phone calls and letters of a harassing nature from ...........(details) I believe that this behaviour by your group of companies is non-compliant with OFT Guidelines on Debt Collection and wish to register an official complain against all parties concerned
  15. coledog
    Cannot wait....
  16. coledog
    You need a letter stating - when you made the CCA request, when you sent the dispute letter, any other correspondence etc with copies of letters - sent to TR and HFO with a copy to OFT. I will have a look later so don't do anything yet
  17. coledog
    Please post up the letters if you can. The account is still clearly in dispute. I would suggest copying everything to TR and OFT telling them this but would like to see the letters first. Do not speak to them on the phone unless you can record the call
  18. coledog
    Well done BH! Hope you can stick around and help others!
  19. coledog
    Presume that you have received nothing in writing from Rox re: the CCA request? Have you sent the 'Account in Dispute' letter? If not - do so recorded delivery http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale Have you tried ringing Barclays? Ask them to tell you when last payment was made on this account and also exactly who they sold this account to and when - it is worth a call. You can inform them that a SAR request has been sent. Barclaycard recoveries 0844 556 0066 Regarding the other debts - probably best to leave them alone until you do get any contact from these companies
  20. coledog
    Last payment date is the key. Debts become SB 6 years (5 if you reside in Scotland) after the last missed payment so this is normally one month after the last payment was made for monthly accounts. Looks like Sept/Oct is the key but beware of creditors trying to bump this by issuing court proceedings just before!
  21. coledog
    Split claim umm http://www.consumeractiongroup.co.uk/forum/showthread.php?276741-Some-solicitors-using-Split-Claims-how-does-one-defend
  22. coledog
    Is there a Company name on the card? How do you know it is a field rep?
  23. coledog
    Well done BH!!
  24. coledog
    Don't agree. Never speak to anyone about debts unless you can record the call. Keep everything in writing only - then you can explain your problems properly and have a paper trail. When they phone - say 'in writing only' and hang up what is the background to this?
  25. coledog
    I think DB is suggesting a phone call where you ask some very salient questions - but only if you can record it!

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