M&S Personal Reserve

[ims21]

Hi there

 

My opinion is you got what you requested...may have been a bit late but there you go.

 

What is the nature of your queries please?

 

Ims

 

PS Welcome to CAG

Edited June 14, 2011 by ims21

[ims21]

Well by my reckoning 12 + 2 working days is 10th June.

 

But that won't make it unenforceable

 

ims

[ims21]

Hi

 

12 + 2 working days

 

May 24,25,26,27,30,31,June 1,2,3,6,7,8,9,10

 

ims

[ims21]

Hi NGAC

 

May I ask where this query is going? I mean what is the ultimate goal?

 

You mention in your first post a ppi reclaim?

 

Can you give the full story as you are likely to get far more replies if you can paint the full picture for the Caggers.

 

Many thanks

 

ims

[ims21]

Hi NGAC

 

Excellent, thank you for that. Hope you didn't mind me asking. This gives a complete picture and some of the more experenced Caggers will now, I'm sure, give some input on the matter of getting to the position of strength.

 

It seems to me that if you launch a ppi reclaim it does give you an instant defence and potentially high value bargaining chip. I'd certainly be investigating this.

 

Have you looked at the PDFs on the fos website as there is a wealth of information there as well as the threads on CAG.

 

Regards

 

ims

[ims21]

The one problem I have found with this forum is the huge quantity of excellent advice and guidance, leaves my brain frazzled:-D

 

Hi

 

Yes it is a bit daunting to start with but you'll soon get the hang of it.

 

Regards

 

ims

[ims21]

Hi NGAC

 

I think it wise to accept that they have complied with your request. Things have changed regarding the precise nature of docs returned under a cca request and whether a creditor can issue proceedings on what once would have been deemed incorrect paperwork.

 

Regards

 

ims