louisemarie1760
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DX (or anyone else who can help! ) can I pick your brain about something? I have a copy of my default from Capital One, but it doesn't appear to include all the things I was told a default needed i.e. there's no 14 days to take action to stop default, doesn't mention CCA act.. . I don't know if this is a proper default letter or not? I can scan and post if you want? Thanks so much, I really appreciate all your help and will be making a donation to CAG as soon as I can. Lou
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Can I just double check something? I asked the woman I've been corresponding with about where to send a SAR in order to get info/copy of my default and she replied: In completing a SAR, you won't get a copy of the default notice that was issued on your credit card. The reason for this is that notices' are produced automatically and the figures provided are created on a specific day. The format we currently use is now different so we can't physically re-create a duplicate notice that will match the one we sent to you. That's why I offered to provide a letter that outlined the key information. I should be able to see a correspondence log though that would tell me when they sent it etc? Thanks!
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Thanks DX, I will SAR them to be sure, I had just asked for copies of the notices initially as I didn't have them and that's when I decided to post, because I was confusing myself with all the info out there.
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Hi everyone, I'm hoping for a wee bit of help. I recently requested copies of my default notices from RBS for two overdrafts I held with them, as I don't seem to have them (have every other bit of paperwork from them, so it seems like I never received the documents, I hoard everything, would never have misplaced that sort of thing!) The documents they sent me are dated 2011, but the defaults my credit file show are from 2012... Can anyone help me fathom this out? I though that if they served notices in 2011, the dates on my credit file would show 2011? Sorry if this is a silly question, I just wanted to get advice from anyone who knew a bit more about this sort of stuff? Thanks for reading Edit: I should note they can't produce me with a copy of the default notice for my credit card, though they did tell me it was issued on 5 May 2011 and gave me 2 weeks to rectify, yet credit report is showing the default for that as 1 July 2011, I'm getting a bit confused as nothing seems to be adding up?
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Damn no they aren't adding charges at the mo and I don't bank with them anymore.
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Hello me again! I tried reclaiming my charges from my overdraft accounts, but the bank say they have accomodated my financial hardship by currently stopping interest and that they aren't obliged to refund the charges! Can anyone advise? Thanks
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Very.co.uk - refused token payment, need advice
louisemarie1760 replied to louisemarie1760's topic in Mail order catalogues
Wonderful, thank you! Lou -
Very.co.uk - refused token payment, need advice
louisemarie1760 replied to louisemarie1760's topic in Mail order catalogues
Hi, sorry me again! Lowell have agreed to close the account, I was wondering that if despite this I could still claim charges back from Very? I know it sounds dead cheeky, but we are getting married soon and every penny counts at the mo. Thanks, Lou -
I actually don't think I did, but it was around 7 years ago, so my memory isn't great on it. Thanks for your reply, Lou
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Damn so I have no way of asking to view my original overdraft agreements? So annoyed as they've been so unhelpful and downright rude to me! Thanks firstship, Lou
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Sorry to be a pest again, need some further advice. I CCA-ed my overdrafts with RBS and I know for a fact they don't have my paperwork - they have simply replied by typing up the details of my account and saying that a signed copy of my agreement does not need to be provided to me. Can anyone help at all? Lou
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Good idea, I will film it and have a witness. It's RBS Cards Services dept I'm dealing with.
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Oh I never knew I could do that! Thanks for the advice
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Hello I just wanted some advice. I CCA'd RBS Mastercard, who came back and asked for a signature. I looked at a post on the forum with a similar problem to mine and used the letter saying that they had sent my statements to this address etc and included copy of passport (signature blurred) and utility bill. Today I received the letter back saying they still required signature, which is frustrating as I know they are just going to copy and past it onto agreement. I have a very big feeling they don't have a signed CCA. The card was taken out in 2007 so not sure if that's still within the time limit, but regardless, they should be able to provide me with some form of documentation. What's my next step? I really don't want to give them the signature! Thanks, Lou
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Very.co.uk - refused token payment, need advice
louisemarie1760 replied to louisemarie1760's topic in Mail order catalogues
Thanks for all the replies, and sorry to dx I didn't know I had to keep anything relating to the same debt to one thread, was getting myself confused about posting
