HBOS and OH's card debt

[Undercover-Elsa]

PMSL

 

oops

Edited October 9, 2009 by Undercover-Elsa

[vint1954]

PMSL

 

oops

??????? PMSL ??????????

[Desperate Daniella]

Hadn't seen this before but I'm guessing at 'pi**ed myself laughing' ??

[vint1954]

Hadn't seen this before but I'm guessing at 'pi**ed myself laughing' ??

Ah ha, now who need the tenalady

[Desperate Daniella]

Exactly.

[lexis200]

I have nothing to add, but look what I found for an avatar!!:D

[citizenB]

I have nothing to add, but look what I found for an avatar!!:D

 

 

Brilliant, Lexis, it is so... you:razz:

[lexis200]

hehe:D

[Undercover-Elsa]

OMG

pmsl !!

[Desperate Daniella]

Love it, Lexis, just love it.

 

One day I will work out how to do an avatar.

[lexis200]

Have to say thanks to Vint for the original pic -when I saw it as a mini-pic I had to have it:D

 

DD - type free avatar into google...

[Desperate Daniella]

Thank you.

[lexis200]

Righty ho peops, after getting a bit miffed with RW in September, they have finally got back to me with.....yep, you guessed it....another application form!

 

This is my response

 

I am in receipt of your letter dated 26th October, sent by 2nd Class post and reaching me today.

 

 

Thank you for sending me yet another copy of an Application form, this brings the total up to 4 copies for my collection of illegible and void-of-any-prescribed-terms Application forms from the Bank of Scotland.

 

 

I have enclosed a copy of the Application form you have sent me (it being very slightly being of a better quality than the last three), and as soon as you highlight all of the prescribed terms, please ensure it is sent back to me. If you could also make page 2 legible that would be appreciated.

 

 

When you can not do this please ensure the matter is handed back the the Bank of Scotland so that they may unlawfully harass me personally rather than passing it on to a third party such as yourselves.

 

 

As you seem intent on asking for payment for this unenforceable account, I will reiterate that you will of course be aware I have absolutely no intention of paying money to you, or anyone else who can not prove they own the alleged debt, or indeed that I owe it.

 

 

The only further correspondence I expect to receive from you is acknowledgement you are not pursuing this and have passed my details back to HBOS.

 

 

I trust this outlines my position clearly.

 

Quite honestly I'm getting a bit tired of this nonsense, so I'm going to be trying a different tack next which I'm really hoping will have a better reaction from hbos. It really does begger belief this. They have no agreement, only this form which I've had in various forms of legibility and size, they've defaulted OH at least twice now, neither time giving enough days for remedy, and terminated twice unlawfully. All this, and they are STILL insisting they are right. I just don't get how any company is allowed to behave in such a blatantly reprehensible (and unlawful) manner.

[citizenB]

I have found that a healthy dose of sarcasm works wonders with these cretins, Lexis.. especially with the DCAs. I have a reply from one such company suggesting that I was being a little harsh However, they did return it to HBOS

[Desperate Daniella]

That is such a great letter.

 

Can't remember if I told you what they tried with me?

 

Had a BOS card and didn'r realise that Halifax were connected. Halifax sent me an application form for 0% including balance transfers so I sent it in and got refused - after all, why would BOS let me move to Halifax and get 0% interest? That was in 2005.

 

Earlier this year when I CCA'd BOS, they sent a copy of my signature agreeing to their terms on the Halifax application form.

 

Wrote back to Blair Oliver and Scott pointing this out, and haven't heard a word since.

 

DDxx

[vint1954]

Just their process Lexis. They cannot acknowledge that they are in the wrong. I have a recent letter from them, stating that the application form that they have supplied is fine, however they will look for the executed agreement and until then, they will not enforce but continue with debt collection and reporting to CRA's.

[lexis200]

Thanks chaps:)

 

I know it's just how they work, and that they can't be seen to be just letting people 'away' with stuff, but for god's sake, they've kept this up for a year and a half now, I think they've made their point:mad:

 

Anyway, I need to slightly amend that letter as the grammar and layout is a bit skewed (first draft, and I was hacked off about something else when I wrote it:rolleyes:), then I'll get it off to them.

 

I am just wondering, is it worth saying that I won't respond to anything else from them? It goes very against the grain for me as I like to be able to show I've tried to explain things, but really, it's just such a round robin now I'm beginning to feel a sentence saying that I don't have the time to answer template letters any more might be ok?

[citizenB]

Thanks chaps:)

 

I know it's just how they work, and that they can't be seen to be just letting people 'away' with stuff, but for god's sake, they've kept this up for a year and a half now, I think they've made their point:mad:

 

Anyway, I need to slightly amend that letter as the grammar and layout is a bit skewed (first draft, and I was hacked off about something else when I wrote it:rolleyes:), then I'll get it off to them.

 

I am just wondering, is it worth saying that I won't respond to anything else from them? It goes very against the grain for me as I like to be able to show I've tried to explain things, but really, it's just such a round robin now I'm beginning to feel a sentence saying that I don't have the time to answer template letters any more might be ok?

 

When I get to the really, really, fed up stage.. I just add "Until you respond fully to my complaint, your letters will be read and filed".

[lexis200]

Ooh, I like that CB:) Thanks x

[Desperate Daniella]

I like that too.

[angel_1]

hiya guys,,, like it too CB,,, oh a naughty thought, and even feel like adding and "this is my latest reply even if not read by you,,,,"

 

sorry my mad humour today, keep it up lexis looking good

 

laters all angel x:p

[IainHL]

Another very good reply that I came across recently in the M&S forum was in this thread:

http://www.consumeractiongroup.co.uk/forum/m-cards/168827-m-money-6.html#post2425003

I refer to your letter of xxdate.

 

The documentation provided to date by M&S Money fails to satisfy the requirements of CCA 1974 for reasons which I have set out before and need not repeat further.

 

I do not consider the account to be legally enforceable but, if you do, then no doubt you will take the matter to court. That is your prerogative but I will vigorously defend any such action.

 

You may consider this to be my final response in the matter.

with thanks to slick132

[24233513afw]

Hi Lexis 200

 

Been reading your excellent thread with great interest (my hubby is in the same position as your's). Exact copy of application sent in reply to CCA request however this is not from HSBO/BOS this is from Apex who they have sold it to.

 

I am about to adapt one of your letters (If that okay with you) to reply to them stating mere application form no terms or conditions on it or any sign of see overleaf for these.

 

Was wondering what stage you were at now with this company as there has been no posts since October 09.

 

Any pointers would be greatly appreciated.

 

Cheers

AFW

[lexis200]

Hi AFW:)

 

Take whatever you want letter-wise, I hope it works for you!

 

After I told moorcroft to sod off in June we've not had anything of note go on on this account. I'm just doing a time-line for both this and the other BOS account (who have been rather more vocal, but no more effective in their annoyance:D) which I'll get off to the CEO to see if that gets me anywhere.

 

If that does nothing - and I'm not holding out much hope that it will! - I'm just going to ignore them, aside from claiming back charges that is.

 

Hope it all goes well for you.

 

Lexis:)

[Undercover-Elsa]

Morning Lexis. It's stupid o'clock posting time again.

When you emerge from under your lovely 400 TOG duvet, you wouldn't happen to have the name/address of the current HBOS CEO would you?

 

Elsa xx

Brrrrrrrrrrr!!!!!