peter1234
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Everything posted by peter1234
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They also give an 0870 number for me to ring isnt this against OFT guidelines
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hi today received a default notice dated 26 th Aug it gives me 17 days from the date of the letter to remedy the default It does not give an actual date for remedy. Could some one tell me if this is correct thanks ps sent 1st class received today
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can a OC ask me to pay debt using another cc
peter1234 replied to peter1234's topic in Debt Collection Agencies
hi My other card is at a higher rate and if i paid all the debt by this method it would take me way over my limit Anyone got any ideas the account is well in dispute they just wont admit it -
hi do you know where i can find out that they cannot ask for payment via another card
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I have a letter from my OC asking me to make a payment with another credit card is this against banking code or OFT guidance
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Have now been sent a letter stating that they will default me if i dont make a payment and thati can pay by using a debit or credit card as long as it isnt part of RBS group and asking me to ring on a 0845 number i didnt think they could do either of these things
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Tesco C/Card - Response to CCA request.
peter1234 replied to GhostDebt's topic in Debt Collection Agencies
Hi ghost debt you are in exactly the same situation as me and at about the same point They just stick their heads in the sand and carry on regardless -
bump
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i have had final response and sent all details to FOS but they will take 6 to 9 months toreally do anything my problem is that i am not sure how to go about court and all the implications and whether i will be able to handle a court hearing
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can this tread be moved to legal issues please
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Hi watching with interest at the same stage as you and getting the same denials from tesco
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After much consideration i now feel it is time to issue court proceedings the letter that Lillywhite kindly sent is similar to one i have already sent and had another final response to. i would like some help on how to go about court proceedings and what i claim for ie that the agreement be deemed uneforceable
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hi have you looked at my thread tesco will insist that the agreement is enforeable
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hi thanks for all that i will send this letter although i have had 2 final response letters from them i will see how they respond this time and if not favourable will then consider court proceedings
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hi Have received another final response from them i wrote pointing out everything that was wrong with application form and asking them to point out the reasons they believe it was enforceable they obviously couldnt do this I think my next step is court but need some info on how to go about this and the implications etc thanks
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has anyone who has not paid due to no agreement or unenforceable agreement that has been defaulted sent this evidence to CRA to get default removed Surely the CRA is breaching something if they report info that cannot be reported due to dodgy agreement
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thanks diddydicky nothing back yet katedog will update asap
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what is happening with the Chester cases
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Hope to update you within the next week Send a reminder for the CPR after 21 days that way you can say you have made every effort to get the info and they have stuck their head in the sand and then spit their dummy out with a final response letter
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hey have you looked at my thread i am at a similar place as you . i have sent a further letter last week. this is after the final response from them. i am still awaiting a reply i will let you know what i receive. i didnt get a response from CPR either. When is your application form from
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did you say you did get a reply to CPR31.16 more than i did
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does anyone have any thoughts on using section127 in that a tatement by a creditor or owner is binding under s78 of CCA1974. i belive this means that the documents that are sent using s78 are the only documents that can be relied on in court as these were the only documents provided to a lawful request
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thanks lexis
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how long does it take them to pass it on to a DCA
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the phone calls have started i have written asking for them to communicate by letter only, they say they will keep calling they are positive that the account is not in dispute. they will not respond to CPR31.16 can i issue court proceedings to get them to respond to the request what other options are available to me suggestions received with appreciation
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