BRIGADIER2JCS
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Everything posted by BRIGADIER2JCS
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Studio Card have pee'd me off.
BRIGADIER2JCS replied to The GodMother's topic in Mail order catalogues
Date if the default notice is nothing to do with the default date, you say DN recd August so that's what been used it seems. The ICOs guidance only said a default Should be placed within 6 months Not Must! -
Arrow Global/Wilkin Chapman/MBNA- claimform
BRIGADIER2JCS replied to esk_rod's topic in Financial Legal Issues
Results of the credit file check when received -
Ok that may just satisfy a CCA request, but it would be difficult to assess if an application form signed by you and the creditor would be considered an enforceable agreement as required for an account opened prior to April 2007.
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Negotiating debt payback MMF & old Sunny PDL
BRIGADIER2JCS replied to puma85's topic in Motormile Finance UK Ltd/Lantern
Acceptable or not the Credit Files Must be an accurate picture of the conduct of an account, if such an account has been in default for 8 months then that's what must show, making payments after a default has been place (especially when these are lower than that required to satisfy the default) do not affect the fact that the account remains in default of the terms of the agreement. The DCA/debt purchaser/ original creditor cannot be blamed for a debt being defaulted due to non payment, a lower payment than that contractually required is a default on the terms of the agreement -
Arrow Global/Wilkin Chapman/MBNA- claimform
BRIGADIER2JCS replied to esk_rod's topic in Financial Legal Issues
Credit File check would be a good idea I think. Experian and Equifax have 30 day free trials, Noddle (Call Credit) is free. -
Studio Card have pee'd me off.
BRIGADIER2JCS replied to The GodMother's topic in Mail order catalogues
A payment made by Studio by way of compensation cannot reset the statute barred clock. The date on a DN in no way affects the actual default date. DN received in August and default registered in August is well with in the " normal " 6 month period for placing a default. The seems to be nothing " inappropriate" in their actions. -
Hi welcome to CAG, This seems a very large amount for a DCA to be chasing, such a large debt makes one wonder why it has not been through the courts. Does Experto's letter state that it owns the debt or are they acting for a 3rd party? Yes approve it letter is the next move, include the phrase " I do not acknowledge any debt to Experto Credite or any company it may claim to represent.
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Equifax still showing bad credit after 6 years
BRIGADIER2JCS replied to indigo_child's topic in Credit Reference Agencies
Scroll down to the last post of this thread, click on panel for paypal to donate. Your donation will be much appreciated thank you. Brig. -
What you have received May just satisfy a CCA request, if the agreement was signed prior to April 2007 the original signed agreement is required to enforce payment via the courts. Can you conclude that these " terms and conditions " are complete? Personally I would think the dated sheets are in the wrong order, if so yes it is prior to April 2007, it would help if you could post copies with personal data redacted here so we can see what you have.
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Keep that letter safe Dwayne!!
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CSL/Lloyds or whoever starts the ball rolling properly instead of " phishing" for information.
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Let them do the work, until it is disclosed exactly what they are chasing do not make contact.
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Ignore it. You have no need to disclose anything.
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Signatures are not needed on recons, however if this agreement was signed prior to April 2007 the original agreement is needed.
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New Generation Parking Management
BRIGADIER2JCS replied to Karvindon's topic in Private Land Parking Enforcement
That is an unfair comment in my opinion, there are mistakes which will make it hard for your submissions to be taken seriously. I have to say I think you have little - No chance of success here for all the reasons others have already raised. -
A recon agreement Must have: The Ts &Cs at the inception of the agreement and those at closure. Your name and address at inception and the Creditors name and address at inception so Must be that of the original card provider. Any docs mentioned in the Ts & Cs And a current statement of the account signed and date by the company. Without these the recon fails to meet the CCA request.
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Good luck!!
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OK to go just read through and correct any typo's before sending, it is important to get a written copy in the post and signed for at the same time as you e-mail of even before. Good to see that you have the funds safe and available if needed.
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I know not if the money is spent, having read the e-mail from Ms Miller again I think VM are covering up a £900 mistake /incompetent action. It needs challenging but when is not our decision (nor would I like to be so).
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Payments without the OPs knowledge, strange that VM should take these payments when clearly it could be seen that the services were not utilised and there was in fact no receiver box anyway, also no communication about VMs offers and services until the situation was brought to its notice.
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Me too ims. As said the OP has the alternatives to mull over.
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is this clased as beyond the balance of probability
BRIGADIER2JCS replied to paul1979's topic in Benefits and HMRC
A digital signature being the writers position i.e. Office Manager I think. -
The payment had taken without the OPs knowledge after they believed the account/service was cancelled, what would you do?
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is this clased as beyond the balance of probability
BRIGADIER2JCS replied to paul1979's topic in Benefits and HMRC
What actually is printed on the bottom of the document, could there be a 2nd page? -
is this clased as beyond the balance of probability
BRIGADIER2JCS replied to paul1979's topic in Benefits and HMRC
What is it you want to achieve Paul, does the letter have no signature at all?
