Stigman
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Everything posted by Stigman
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With the first debt, I hope that you checked that the CCA was valid & had the correct terms and conditions? The second debt, it may be that the Credit Card Company only registers at a certain Credit reference Agency, Have you also registered with Clearscore? The third debt, once six years from default have elapsed it will drop off your Credit Reference File. With all three debts you need to look into claiming back any PPI and charges, it does not matter if the debt is showing on your credit file or not, get claiming, you may have to send Subject Access Requests to obtain all information. Stigman
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cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Stigman replied to Gary44's topic in Lloyds Bank
If it is to your mobile you can block them either through in-built software or a free app. If to your home phone then I recommend purchasing the excellent BT8600 cordless home phones (We own the earlier version the BT8500) so I speak from experience with these. You can also purchase a standalone Truecall box - This Truecall box also records your calls as the BT phones just block numbers. Stigman -
I would check to see if your vehicle is currently taxed, the DLA Mobility component is the one that provides you with a vehicle road tax exemption. If the letter is correct then your vehicle has been untaxed for nearly a month. Stigman
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cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Stigman replied to Gary44's topic in Lloyds Bank
If just a heads up really but as well as ignoring all letters except a claim form, if Cabot do try and call you or your Wife, then refuse to go through any data protection questions to confirm who you are, do not get drawn into any conversation, just hang up. Stigman -
cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Stigman replied to Gary44's topic in Lloyds Bank
Hi, It was Martin2006 that answered and said about a true and original copy. The good news is that because your Credit Cards were taken out before April 2007, Cabot have to produce the original documentation at Court. After a Court case about this, any agreement after April 2007 can be what is called a Reconstituted Version meaning that a Blank Agreement Form and a copy of the terms and conditions at that time is compliant. However because you are before that date, Cabot have to produce the originals, Banks at that time were not good at keeping documentation and some just put them everything onto microfiche as keeping that amount of paperwork takes up a vast amount of space which needs paying for. So sit back, relax, ignore everything now apart from a Claim form. Stigman -
cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Stigman replied to Gary44's topic in Lloyds Bank
Cabot can try but a lack of any CCA is a complete defence. What date approx. were these Credit Cards taken out? Stigman -
You will have to send Natwest a Subject Access Request, enclose a £10 Postal Order, it can take up to 40 calender days for you to receive this information. The Subject Access Request will mean that you receive the complete history including all statements, internal screenshots, notes etc. http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015** Stigman
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The old DLA was split into two components, the mobility side and the care side, Does the letter state which will be stopped? Stigman
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cabot 2 lloyds credit cards - not provided CCA after 12 days what next?
Stigman replied to Gary44's topic in Lloyds Bank
You do not need to send nothing back to Cabot, Cabot know fully well the law and that they can do nothing until they comply. Ignore all future correspondence except a claim form. Stigman -
Even if RLP do post you letters, please follow the advise above and ignore. You will receive approx. 4 - 5 letters from RLP, unlike a normal debt collection letter you name is inserted into the paragraphs to give the letter a more personal to you touch. After this you will receive a couple from a Debt Collection Agency and your at the end of the cycle. Please though continue your life as normal, because no Police have been called, you have no Police record now or in the future regarding this incident. Stigman
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Hi, Can you please remove all of the information that can identify you like the obvious name, address but also barcodes, account numbers etc. and post up, This is to make sure that... Is the CCA fully compliant? Did you also get a copy of the terms and conditions? Stigman
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Lowell Claim form - old CAT 'debt'***Claim Discontinued***
Stigman replied to hellsbelle's topic in Legal Successes
An SAR is a Subject Access Request, this costs £10 and you must include both account numbers on the letter as this means you only pay one lot of £10. You will get back everything from the account including all Statements to history notes, internal screenshots etc. The Subject Access Request goes to the Original Creditor (Shop Direct), you do need to sign it and enclose a £10 Postal Order, it can take up to 40 days to receive. Link to the SAR letter is here... http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015** Stigman -
Two statute barred debts capquest & Lloyds, RBS
Stigman replied to bottomburp's topic in Debt Collection Agencies
Ignore everything except a claim form. Stigman -
Lowell Claim form - old CAT 'debt'***Claim Discontinued***
Stigman replied to hellsbelle's topic in Legal Successes
Hi, When did you start the accounts with Shop Direct? When was your last payment on each account? Have you checked your Credit File? Noddle & Clearscore are free, this will show the owner of the debt. First of all send Lowell a CCA request for each account, enclose a blank £1 Postal Order & see what they come back with. Hopefully you will have all statements from Shop Direct, if not send Shop Direct an SAR to obtain these, please enclose both account numbers on your SAR Letter, that way you only pay one £10 fee. All fees and any PPI are reclaimable, do not get a Company to do this, you can do it for free, any help or questions on this just ask away. If you ever have to pay Lowells, because of you being unemployed you pay only £1 per calander month per debt. You only ever pay a DCA by standing order as well as this way you are in complete control, NEVER pay via Direct Debit or Debit Card as these can be amended and payments taken without your consent. DCA's are a greedy bunch so any offer of a reduced settlement always set alarm bells ringing that something somewhere is amiss. Stigman -
I would only submit another written report if asked to do so by the Court. if your only going to tell the same version if no new evidence have surfaced then I fail to see what submitting a new report will do to assist your ex-employer. If you have to write something then just write that "My version of events have remained the same as when I wrote my report of the accident, therefore I am unable to assist you further". Stigman
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Only ever send a letter before action if you are fully intent on going through with Court action. With the VBV, I bank with Barclays and have multiple accounts. When one of us pays via card, a long time ago it used to ask us for memorable data but has not done so for the last 3 - 4 years. Stigman
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Please update with any news/developments. Stigman
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When writing send via recorded delivery. Stigman
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Hi & Welcome to CAG, Write to SCS stating that you are cancelling order #xxxxxxx, you were not given any time to read the terms and conditions and if you had been given time then you would not have signed. As to the money paid, because this was paid by Credit Card, if SCS do not refund then go for a chargeback via your card issuer. http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/31/creditcards-31.htm Stigman
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Thank you, keep us informed of any developments. Stigman
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You can send if you wish but the main consensus now is to ignore everything bar a claim form. Stigman
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The account is now Statute Barred, you go by the last payment or acknowledgement date. Are you being chased by any DCA? You can now ignore everything unless it is a claim form. You can go to the ICO about the default date if your worried about your credit rating, the default should be registered within 3 months. Stigman
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Preference Account CREDIT CARD HBOS
Stigman replied to shywazz's topic in Halifax Bank and Bank of Scotland
Am I reading right that your last acknowledgement in writing was March 2010? If so Statute Barred and you can ignore everything except a claim form, check your Credit File as well Noddle & Clearscore are free. Who is the DCA? Stigman -
Hi & Welcome to CAG, Please can you click on the following... http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014 Have a read and answer the questions by copying and paste to this thread. Stigman
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Barclays offered me 1600 pound ppi refund but going to OR
Stigman replied to asdanemma's topic in Barclays Bank
Wish I had that sort of attitude. Stigman
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