Jump to content
Twitter - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'

highlandertom

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    94

  • Joined

  • Last visited

 Content Type 

Everything posted by highlandertom

  1. highlandertom
    and the call us 'conspiracy theorists' ? thanks for the heads up about HMRC, I am not with barclays, but........ working tax credit are after me, because concentrix put a 'note' on my file, to say I was living with someone ? I'm not - they just made it up ! is that criminal fraud?
  2. highlandertom
    Interesting, thanks for that, I had missed it A quick search " uk bank bail in law " produced this, http://truepublica.org.uk/united-kingdom/grand-theft-auto-uk-eu-bank-depositor-bail-regime-implemented/ One bit jumped out, " This is an admission by the British government that the £85,000 deposit guarantee scheme is flawed and that the British depositors protection promise is simply a sound bite and not financially supported. " Time to go back to a cash society ?
  3. highlandertom
    Thanks Andy, Interesting. regards, Tom
  4. highlandertom
    Are there any figures for Scotland ? re insolvencies.
  5. highlandertom
    Fascinating, thank you for that information. I did breed highland 'mogs', as my avatar shows, but having had over 30 pet cats 'disappeared' in the past 18 years, by the surrounding shooting estate keepers ( although I cannot prove that ) I have had to stop. I have a single house cat, that I cannot allow out, because he will be slaughtered ! Sadly the police will not even take a note of the 'disappearances', so there is no record of how just many pet cats are killed locally, but there are few cats older than a couple of years.
  6. highlandertom
    Apologies, I was thinking about my own circumstances, all pre 2007. I have had a treat of court action from shoosmiths, this year, my solicitor has written asking to see a copy of the original signed agreement ( pre 2007 ), none was supplied with my cca, so this is on hold.........
  7. highlandertom
    Thanks for this, if it is actually implemented ? from this, " creditors and debt purchasers alike shouldn’t be commencing proceedings without checking the underlying agreement and ensuring that there is adequate documentation to support the claim." This 'might' stop the current fishing court claims ? In my view, it should go further, and require the original signed agreement, before 'alleged' debt is registered with the Credit reference Agencies.
  8. highlandertom
    2014 they said " You can ask us to send a field agent to visit you at your home and we will pay for this providing you meet with the agent and complete an income and expenditure assessment " my italics 3 weeks later they said " We will now instruct a field agent to visit you unless you contact us within 14 days, if you 'engage' with the agent ?? otherwise £75 + vat"..........I refused. They repeated this process 3 times in 2015. The second time, I wrote refusing a visit, telling them that NO MEANS NO ! and I was charging them £40 for administration, I also raised a second formal complaint. The 3rd. time, I was away, and didn't get back in time to respond, and the same day I received the " we will send a field agent" letter, the field agent turned up 2 hours later - no appointment, was just passing, err, no. I refused to 'engage' and have subsequently found that NROT have charged me £54 for the visit I did not request, and have refused previously. They are now in the process of doing it all again. So, what are my legal and other options ?
  9. highlandertom
    Hi, NRAM, is continuing to harass me with 'field officer' visits ? I have constantly refused these, however, last year they sent a letter, giving me 14 days to reply, the letter took 6 days to arrive, before I had time to reply, on day 14 ( from the letter date ) a grubby little man turned up, he had failed to contact me to make an appointment, said he was passing, unlikely..... I did not engage with him, and have been charged for the visit + ongoing interest. Now, they are starting again. Can anyone tell me the law regarding this. I am being charged for a service I did not request. Can I call the police if this 'field agent' turns up again ? demanding money with menaces ? breach of the peace ? My so called arrears are considerably less than the £1000 + of 'arrears fees' they have charged - is there any definitive law on the legality of these clowns charging £40 / month arrears fees ? They certainly don't incur £40 worth of work for it.
  10. highlandertom
    Hi, Freds int have started a new form of harassment? They have started sending letters to a neighbours address, saying that they had "made enquiries for confirmation of my current place of residence. Information has been received confirming that your address details have been changed to this address" They sent out a couple, a few months ago, I phoned them, which is presumably the reason that these letters have been sent, and told them that my address had not changed. They have started this again? I contacted ICO, who told me to write complaining, sent recorded, and if these continue, they will raise a complaint against them, and also suggested that I could take this to the FCA. I take it that this is a common way that they try and force communication?
  11. highlandertom
    Thanks guys, found an envelope with all the orig stuff, my copy of application, orig advert, acceptance etc, plus this thing, which as you say, the card was attached to. But it does say 'credit card agreement regulated by the consumer credit act 1974', and that is all I got? Pretty sure that nothing else was sent, I was good at filing stuff. Is it possible that that is all they sent out?
  12. highlandertom
    Right, think that is it, apologies
  13. highlandertom
    Hi Mike, I tried, but when I click on 'insert image', it only gives me the option of jpg, jpeg, png, or gif. I used to be able to insert pdf, but don't seem to be able to? am I doing something wrong? thanks, Tom
  14. highlandertom
    Hi DD, As you say, they do not seem to have grasped it? no surprise, so will send it again. They have escalated ? from Lowlife to Rod, to Hambles, to Freds, to BC, back to Freds....... While digging through the growing folder, I came across this, attached, is this the 'original agreement'? and, 1/ is it compliant, ie. not signed by either party, terms and conditions 'not within', etc 2/ does it trump their made up 'reconstituted' agreement? advise gratefully sought thanks Tom
  15. highlandertom
    Hi All, NRAM is now a DCA, and their ONLY concern is getting money from you! But they do have something called LOAN MODIFICATION, where you are charged 2% interest, not the exorbitant 4.79%. I managed to get this for 1 year because of arrears and lowered income, but they took 5 months from telling me that I had been accepted, to applying it, and although I was paying an agreed lower monthly amount for those five months, my arrears increased by aprox. £1500 ! What I didn't do, was to chase them up daily, but each time I phoned, they told me " ah yes, it will go to a manager this week " so watch out for that. To get the 'Mortgage Concession Arrangement' you would need to contact the 'Customer Assistance Team', the number I have from 2010, is 0845 600 3682. and you will need to supply income/expenditure. Hope this might be of some help? Tom
  16. highlandertom
    I also meant to say, that the ICO sided with NRAM re. telephone calls, in that, I have to supply date and times for them to retrieve the info, although I suspect that if they themselves wanted it, they would be able to find it !
  17. highlandertom
    Hi Alec, Apologies, I have rather let my NRAM problems slide, pressures of trying to stay afloat, but need to get back on it! I cannot advise you on their changing from unsecured to secured? I did however note, that in all the paperwork received for my SAR request, there was not any reference to my loan? I will write and ask for all paperwork relating to that. I had sent a letter requesting that all arrears fees and charges be refunded, but as expected they said that they were lawful, and at that point I did not take it further. So do I need to submit the claim again? prepared to take them to court. Do we have any NRAM 'success' posts? Another point, I have just noticed that, although I pay by debit card at the end of each month, the payment is sometimes not credited to my mortgage account for 3 - 4 days? so I wonder if they are charging me extra interest? aprox £23/day + compound interest. I wonder if anyone else has noticed this in their accounts! I need to go back through everything to find out how often this has been happening. I am beginning to think that I need to get an accountant to check their figures. I would be grateful for any help with the above. many thanks Tom
  18. highlandertom
    Hi, I did eventually receive my SAR info from cap 1 - nothing new or unexpected? in this time, I received 3 letters from re d, the 3rd offering carrot - 30% off stick - they would 'instruct' hambles legal ! Followed by 3 letters from hambles legal, the 3rd offering carrot - 50% off stick, " If you contact us about settlement of your account within the next 10 days, you can avoid legal procedings. We are not required to write to you again........ If we don't hear from you, the next correspondence you receive will relate to the further action which we have decided is the most appropriate to recover this debt. It may therefore be from the court or from one of our agents........." Do I continue to ignore? I now have call barring, so am not constantly harassed by them thanks, Tom
  19. highlandertom
    Thanks guys, I'll write, even though I gave all pertenant details over the phone! But damned if I'm going to supply them with a signature. It took them 22 days from receiving the SAR to ask for this? Deliberately wasting time I guess. Ah well, this means that I will be going after them for the charges. tom
  20. highlandertom
    I have just received a letter from cap1, saying that they will not supply the documents " because you did not sign your letter" Aye, right! They also say that " the 40 day time limit to provide you with the SAR does not start to run until we receive the correct documentation" Well, they are a bank, so only to be expected that they will try and make the law up as they go along! My SAR request supplied them with all the information that I am lawfully required to supply them with? I phoned the number supplied, after being passed around/put on hold - foreign call centre - I eventually hung up, it was costing me money. They received my request on the 2nd sept. Do I wait until the 40 days, then start complaining to the ICO and others? No other bank has asked for me to jump through these hoops, what is the law covering the supply of SAR. tom
  21. highlandertom
    Another letter from them, this time offering a 30% discount if I pay now but end the letter with the threat of instructing Bamptons Legal. No acknowlegement from Cap1 to SAR yet? Tom
  22. highlandertom
    Hi All, Just received a letter from crabbit REPAYING YOUR ACCOUNT We're pleased to confirm that we have accepted the following terms for repaying your account......... Is this some kind of new [problem] from crabbit? I have not communicated with them for over a year? I wonder, could this be them attempting to re-start statute barred timing? I got this same letter for 2 accounts that they have, one with no paperwork at all, the above one with micky mouse paperwork! Watch out. Tom
  23. highlandertom
    Hi Daniella, Thanks for all that, I do need to read more. I will write to L's and let them know, that in my view, they have still not satisfied my cca request, and that I have sent a SAR to Cap1 Again, many thanks, Tom
  24. highlandertom
    Hi Daniella, Ah, thank you for that. So if I understand you correctly, any credit card variation means that they ( DCA's and banks? ) would have to supply the 'Original Signed Agreement' in order to enforce in law, ie. if asked, and they are unable to produce, they are unable to enforce? Now I understand slaps forehead, I've been reading cag for a year, and not understood, sigh........ Thank you so much, tom
  25. highlandertom
    Hi Daniella, Thank you for looking in, Yes, the card was taken out in 2005. defaulted 2008. would you be kind enough to explain " where an account has been varied ", in simple terms please still trying to understand everything. Otherwise, will wait for the SAR, then report back, also if/when the letter 'threat level' increases. all the best, tom

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:- 923 Finchley Road
London NW11 7PE

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...