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BRIGADIER2JCS

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Everything posted by BRIGADIER2JCS

  1. It is accepted practice for a debt purchaser to send a notice of assignment on behalf of the original creditor. DNs can be sent by the OC the assignee or both.
  2. Hi welcome to CAG, Your " credit score" has nothing to do with the rejection, it is a day to day representation of how a credit app may be viewed by a potential lender, it is not anything more than a personal indicator. Your problem is I suspect more to do with the conduct of your credit accounts. Were you told credit checks would be made when applying for this job?
  3. If that bit is wrong most likely the rest is! A recon agreement Must Have, Your name and address at the inception of the agreement and the Creditors Name and address at inception. All the Ts & Cs at inception and closure of the account. Any material amendments to the Ts & Cs during the life of the agreement. Any documents mentioned in the agreement. A current (not historical) statement of the account. Any part wrong or missing means the recon does not comply. You have spotted 1 error so you just reply that the recon is of no merit.
  4. SO Bl**dy predictable new me they are joke, more mays, might, could threats to follow then probably an offer of a discount as it's nearly Christmas.!!
  5. Hi, Well that recon fails at the first hurdle it Must have your address as at the date the agreement was signed. All you do is reply that the recon is rejected as it does not comply with the requirements laid down for a reconstituted agreement. DO NOT tell them why it does not comply.
  6. Acknowledge the claim, state defending in full. Your defence seems solid no enforceable CCA.
  7. Lancaster Solicitors in Chiswick. Google Cograd, there's some data re Concilian CS CCS is in the small print.
  8. There's mention of Credit Solutions on one of their websites DB. There's a fairly large law firm in Chis Lancasters.
  9. ? I do not understand your post? Has any member of the site team challenged or disputed the advice given? Contradictory statements made by you have " muddied the waters " here. So unless I'm missing something I can see no reason for your "comment".
  10. layercake please keep the questions on the open forum. In response tom your last PM on payments you will have to work out an I&E statement to see what you can reasonably afford to offer as monthly payments, but from what I gather from the information so far it is unlikely that small monthly payments will be accepted. It also appears that a " forthwith" order was made by the court, which went unchallenged hence the CO.
  11. John, Does she still have the goods in her possession? It would appear not from#post 1. This may cause a problem as unsolicited good or not the would be a common duty of care to make sure that the items were returned. I presume that the goods are no longer accessible?
  12. It was an implicit agreement rather than an explicit statement as a new driver in the early 60's buying a different car when the old one died it was always understood that there was a 14 day period of grace but the tax would be back dated to the start of the month.
  13. The advice given re telephoning a DCA is wrong, all communication must be kept in writing, keeping a checkable paper trail, DCAs have a habit of not having any record of calls.
  14. Start the ball rolling by making a Formal Complaint to AVON google the UK MD/CEO and address the complaint to that person. Inform Sigma Red that the alleged account with Avon is fraudulent and no liability is accepted, demand that SR communicates in writing only by Royal Mail, no phone calls, e-mails or text messages. Tis has happened before with Avon " recruiters" I'm told building their paper pyramids. Use signed for post and check delivery.
  15. DF is a law practice with a core business of debt collection and is regulated by the Solicitors Regulation Authority.
  16. For CC which is a simple contract the clock started ticking from the date of the missed payment after which No further payment or unequivocal written acknowledgment of the debt was made. The default remains on file until the 6th anniversary of the default date.
  17. The Terrorist are in every part of Europe and North America/Canada as well as Asia and Africa service personnel are at risk everywhere and so are civil police officers. As the status is classed " a clear and present threat"!
  18. [quote=Ell Thanks ELL I missed that post!
  19. A formal complaint to the MD or equivalent at 1st Stop, quoting that you have already stated no further contact sholed be made.##Qoute the 2014 Appeal Court Judgement in Roberts - v -BOS.
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