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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

gordies

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Everything posted by gordies

  1. gordies
    TELL them to prove it !!
  2. gordies
    Personally I would keep my head down, not communicate with them in any way at all, and wait for October. Then you can safely start the Statute Barred letters. As for splitting a CCJ, I cannot see how that is legal.
  3. gordies
    You paid them when? they can send you as many letters as they want as long as you do not make a payment or acknowledge the debt in writing.
  4. gordies
    Does where you signed mention the consumer credit act within the box at all?
  5. gordies
    Aggravated Trespass in Scotland could be used in this case.
  6. gordies
    an 8 year old CCJ would need a new order of the court in order for collection to be attempted although it is very unlikely that a judge would grant this. check your CRA file and see if any debts are on there and what the default dates were and the last date of any recorded payment as the DCA's are famous for introducing fictitious payments in order to 'reset' the clock
  7. gordies
    if the 'ticket' does not have these three words on it PENALTY CHARGE NOTICE and ONLY THOSE THREE WORDS then its a private PPC and can be IGNORED They will get all hot and bothered and send threatening letters but IGNORE them if the 'ticket' does not have as above. If you need any further help just shout. Gordie
  8. gordies
    My CC debt has been assigned and sold to a DCA. There are substantial PPI charges on the account. The original credit agreement cannot be produced as it is from the mid 90's and no further recovery action has been taken. I, however, have plenty of statements showing PPI being charged. If I start a PPI claim am I at risk of being thrown into court for the CC debt despite them being unable to provide the original agreement? thanks
  9. gordies
    okay, as it is HP we need to know how much you have repaid? have you paid back more than 1/3rd or more than 1/2 ? This can make a difference
  10. gordies
    Some House insurances will cover Students contents in halls, check your home insurance.
  11. gordies
    1. Complain to Chief Constable about the police annoying you as they should know by now you, and not the other person, lives there. 2. Ask the postman to Return to Sender as the Post Office put an official stamp on the returns in the hope that might make the senders take notice
  12. gordies
    What is the name of the company and can you scan a copy of the ticket for us and post on here with personal details blanked out? Sounds like it could be just a speculative invoice. Where did you park? A retail park?
  13. gordies
    My understanding is that CCJ's fall off after 6 years, even if unpaid BUT they can be 'extended' only if the creditor applies for them to remain on the Credit File.
  14. gordies
    Littlewoods are talking c*ap as per usual. I would get them to replace the charger and then you have a spare one. A charger is not a consumable part at all. Go get them !!
  15. gordies
    Nice one !!!
  16. gordies
    Bump
  17. gordies
    If you are caring for your father, as per your profile, then you may be able to claim carers allowance should things not go well next week? best wishes, Gordie
  18. gordies
    Yes, sit on hands and do nothing, speak to no DCA, do not reply to any of their letters. Just sit back and wait for December and enjoy life !
  19. gordies
    Hi again, after 6 years the debt is Statute Barred (assuming no payments and no acknowledgement of the debt from you during that time) and will fall off your credit file. No collection activity is 'supposed' to take place as the debt has effectively gone to the big debt graveyard. If the debt does not appear on your CRA file then it no longer exists and any lender will not be able to see it as it will not be there when they check your file. If a CCJ has been granted and has gone unpaid for 6 years then a Court would have to give permission (unlikely) for it to be chased. Again, a CCJ that is 6 years old should have dropped off your CRA a long time ago, ( assuming no payments and no acknowledgements) and it will look like one never existed in the first place. If the DCA's start chasing you now (which they may) then you can send them the Statute Barred letter from the Library.
  20. gordies
    why are you even talking to the DCA's??? they are not on your CRA, they have gone - do not even think about paying anything towards them it smells like they are Statute Barred and even if there is a CCJ if there is no collection activity on it for 6 years then they would have to pop back to court again to get permission to chase it plenty of the others will be along to tell you about this but you should really stop all communications with these DCA's as they now see you as a cash cow !!
  21. gordies
    I paid one amount per month. The SAR shows the breakdown of mortgage monthly payment and MRI premium. The amount was the same for 2 years and then went up by £3 per month in year 3 (according to the SAR) which, incidentally is when my interest rate went up slightly. All I got from the SAR was a copy of Mortgage Application/General enquiry form. Sorry its so vague but I cannot find any gross amount of front end loading anywhere, apart from the MII (mortgage indemnity insurance?).
  22. gordies
    hello all, I have got the SAR from Halifax and there is nothing I can find apart from Mortgage Repayments Insurance and the amount charged to my account on a monthly basis. I cannot find any gross amounts or anything like that. Do I simply add the premiums charged and paid and then multiply the gross figure by the 8%pa compound? any help appreciated thanks, Gordies
  23. gordies
    Send the letters back marked NOT KNOWN AT THIS ADDRESS. do NOT phone the DCA, it is nothing to do with you. it is the DCA's problem, not yours
  24. gordies
    Was this a business account overdraft? Did you personally guarantee it?
  25. gordies
    Yes, day 1 you are expected to be available. Any missed subsequent appointments are chargeable and you should write to them giving them a chance to rectify the situation within 10 days (recorded delivery of course). If they fail to respond send them a Letter before Action detailing how you expect them to rectify, failing which you will launch County Court Action. Don't let them away with it

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