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BRIGADIER2JCS

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Everything posted by BRIGADIER2JCS

  1. BRIGADIER2JCS
    I think you will have to prove that the erroneous data has caused tangible damage or provable loss to get" compensation".
  2. BRIGADIER2JCS
    Hi, Can you list these debts with the following information? 1. The name of the original creditor and type of account. 2. Name of DCA if relevant. 3. Date started 4. Date defaulted. 5. Amount outstanding. Any information as to what action is been taken by creditors and/or DCAs in each case.
  3. BRIGADIER2JCS
    Reconstituted agreements do Not need to have signatures, but Must have the following constituent parts to be compliant: 1. Your name & address at the inception of the account. 2. The creditors name and address at inception (if an account has been "taken over" by another provider the Ts& Cs of the original account. 3. The Terms & Conditions as at the inception of the account. 4.The Ts & Cs at closure. 5. Any material changes/amendments made to the Ts & Cs during the life of the agreement and any other document mentioned in the body of the Ts & Cs. If one point fails the recon fails entirely.
  4. BRIGADIER2JCS
    NatWest is lobbying to get this stopped I'm told.
  5. BRIGADIER2JCS
    Happy to help, please keep us up to date!
  6. BRIGADIER2JCS
    Desk Jockey with no authority and little knowledge it seems. See post #27 amend/edit as you wish.
  7. BRIGADIER2JCS
    Hi CC, From what dept. of New Day is this letter coming? I suggest escalating this as a formal compliant to James Corcorran the CEO at New Day. Point out to him that the documents provide to support their claim in regard to the " Debenhams Store Card" are not those that would have existed at the inception of the account as is required for a " reconstituted" agreement and therefore the document does not satisfy the CCA request under section 77/78 of the CCA 1974. Amend to suit.
  8. BRIGADIER2JCS
    Reconstituted agreement do not have to have signatures.
  9. BRIGADIER2JCS
    Please excuse my amazement RBS statements for a Capone CC account??? Were these supplied by Lowell. Please carefully check account numbers, dates and amounts, if Lowell has supplied these statements then something stinks. I look out for your uploads, just follow dx's instructions. dx 100 has set up your own thread now so just post here.
  10. BRIGADIER2JCS
    The number of times here on CAG we see Carter using the court system as a debt " collection tool" is high, one has to wonder what the figure is in the wider world of debt collection, needs looking into I think!
  11. BRIGADIER2JCS
    Idiots Ville UK just a bloody nuisance , we had a small group of Neo Hippies pushing these stupid theories around North Essex./ South Suffolk a couple of years ago banging on about their rights to ignore statute law a couple tried it in court over CT they failed dismally and have not been heard from since.!!
  12. BRIGADIER2JCS
    Thank you Anil, I'm sure it is much appreciated!! brig.
  13. BRIGADIER2JCS
    There is one in the CAG library. Ensure that the phrase " I do not acknowledge any debt to Experto Credite or any company it may claim to represent".
  14. BRIGADIER2JCS
    It would help us to advise you if you can post up suitably redacted copies of all that you refer to as "piffle" etc. Has a claim been issued?
  15. BRIGADIER2JCS
    OK!!
  16. BRIGADIER2JCS
    I agree DB, too much water under that particular bridge. I'M not sure that we had it right either.
  17. BRIGADIER2JCS
    Hi do you have a problem with a recon agreement, some differences exist now in regard to recons now.
  18. BRIGADIER2JCS
    Keep me up to speed on this please.
  19. BRIGADIER2JCS
    I think from that the process is past stopping so a response should be expected sometime after 05/11/2014
  20. BRIGADIER2JCS
    I'm once a complaint was made to CISAS and VM were informed they have to wait for them to respond.
  21. BRIGADIER2JCS
    It is a Must to exhaust the creditors complaints procedure prior to taking a matter to a body such as CISAS, let's hope VM now respond.
  22. BRIGADIER2JCS
    DNs are a generic notice giving a debtor 14 days to remedy the status of delinquent account, if a " negotiation" is entered into or a payment is made the creditor may not ( in fact does not have to place the default) if such a plan of payment is entered into and fails the creditor can send another default notice.
  23. BRIGADIER2JCS
    I've seem to remember something about Global an a car finance pay out from a few years back I'll have a rake around see what I can find. Meanwhile Sam's Dad, Get that prove it letter off asap.
  24. BRIGADIER2JCS
    It's not the CRA system it's The Limitations Act, The DPA/ICO/FCA laws and regulations. Jotty I cannot see why or what it is you want to achieve, as dx100 has said quite succinctly " it's nowt to do with MMF". The CRA file is accurate it seem and up to date and your " dislike" of it will not assist you or change the facts.
  25. BRIGADIER2JCS
    They have 12 + 2 Working Days and no more 40 days is a Cabot invention they claim is an industry protocol ( normally termed " a load of ba*ls!)

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