Archer V Monument **WON**

[archer_66]

ok i sent off my SAR on the 2nd Feb 07. got a call off customer services saying they received it on the 15th feb.(?) and that it would take a bit longer to get the SAR as they were archived.i asked if it would be b4 the end of march as that was when the 40 days were up and they said of course as they knew the law!! well...........the 40 days are up and no sign of the SAR i requested! ive got the template off here and am sending it later.but what i wanted to know is who do you report them to for non compliance? ive had a look round and cant find it. i also need to report another company as they failed to send a true copy of agreement within the 12 days.can anyone help?

[archer_66]

well a day late but the "statments" arrived its a list of charges applied to my account.theyve said they supplied them free of charge and credited the £10 fee to my account.also in with the SAR was a letter basically telling me that all charges were applied properly etc etc.ah well off to calculate how much they owe me

[Curlyben]

You're in for some fun here.

They'll offer you the difference between the old, £25 charge and the new, £12 charge. Thats what's happening to me at the moment.

So make sure you have your rejection letters at the ready.

 

I'm sending LBA next, see what happens after that.

[archer_66]

oh no not another one! capital one are doing that at the moment to me ive sent them an LBA now

[Parkvale]

curlyben, This might help you. Good luck.http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[Curlyben]

Parkvale, cheers already read through that lot.

I'm having fun with them..... NOT.

[Parkvale]

[archer_66]

ok i havent heard anything from them now for about 3-4 weeks.ive questioned the execution of the CCA.....not sure what theyre going to do now?!

[archer_66]

had a phone call off monument today( they mustve put my number on file when i gave it them for the query about the statements,cheeky beggars)

she wanted to inform me that i was in arrears.so i said that ....do you know that u haold no agreement for this account and it has now become a criminal offence.i have reported you to OFT and TS and that by phoning me today to try and enforce it you have comitted another criminal offence?

she said "oh" lol and hung up

[Parkvale]

Blimey Archer .Thats the way to tell em.

[archer_66]

yea i thought so too thank you! well i havent heard off them since i sent the letter saying the CCA wasnt executed properly.

see parkvale im not having a blonde day today!!!

[Parkvale]

This isn't you having a blonde moment when you receive your cheque

[archer_66]

lol!!! u and ur pictures! theyre soooo funny! i wish i had received my cheque!!! ive never been very lucky though

[archer_66]

well another phone call today off someone called shila.asking y i am not paying my account.i tried to tell her that i hadnt received a credit agreement and she said what credit were u looking for ?did u want an increase!!??? she couldnt understand what i was saying she said she didnt have to take my number off file and i told her i knew different.i told her that ive sent the letters to them asking them for the agreement and it was now upto them to send the info and i wasnt prepared to get in touch again.she kept telling me to phone customer services to speak to someone and i told her i wasnt going to as ive said all i had to say in the letters.she kept on insisting i did .how flipping annoying!!

[archer_66]

3 more calls this week even though ive told them to take my number off the system!

ive had a number left on my answer machine by trading standards that i have to phone monday will let u know what they say

[hedgey06]

Another one'll be biting the dust soon eh' hun?! Keep at 'em.......... you're like one of those little yappie dogs biting at peeps heels so I'm sure you'll be winning this one sooner rather than later!!!!!!!! xxxxx

[Curlyben]

Nice one archer.

Well they've completely stopped calling me and still haven't supplied a correct CCA, just the normal application form.

Oh well there's another one

[archer_66]

thanks hedgey as always

and ben well done! about time they got the hint!

i sort of see myself as a rotty tho not a little yappy dog.....

im not sure what its going to take for monument to go away really will see what TS say.they left me alone for about a month as well..

[hedgey06]

Okie dokie............. rottweiller it is!!!!

[archer_66]

ok not much happening trading standards have got me to fill in a form giving them permission to act on my behalf,the they were told i needed to phone monument as well even though id signed the form!! TS said that monument were just being evasive.so i called them and they said all i had to do was put it in writing!! but then went on to harrass me for payment!! i told her i didnt want to discuss it as they were not listening to me.she said explain so i told her that with no CCA they couldnt ask for payment off me and that they were committing an offence.to which she said......... you are behind with your payments and need to pay it so it doesnt escalate and get even more serious. i got fed up and hung up!!

[shane5408]

subscribing

[archer_66]

hi shane,u dealing with them as well then?

they are a nuisance and very stubborn.theyre even messing TS around!

havent heard anything for a few days.....

[shane5408]

hi shane,u dealing with them as well then?

they are a nuisance and very stubborn.theyre even messing TS around!

havent heard anything for a few days.....

 

 

 

nuisance doesn't even begin to describe them! I have an acount with them my credit limit is (was) £200, my current balance is £700 and total amount of charges they owe me is £1,890!! From when I issued my LBA to them 5 weeks ago I've no response from them, issued a claim against them which they have now defaulted on, sent in my request for judgement last week. they seem to be under the impression if they ignore me I'll just go away! How very wrong they are! Next step, bailiffs if they don't comply within 7 days of receiving judgement from the court.

On the matter of Credit agreements Monument really don't stand a chance, I'm sure you've all read the relevant sections of the Consumer Credit Act requiring certain prescribed terms that MUST be on the agreement for it to be a regulated corectly executed agreement. Monument's 'rapid reply' application hasn't a hope of standing up in court. Keep up the good work!!

[FANTASY CHARGES]

nuisance doesn't even begin to describe them! I have an acount with them my credit limit is (was) £200, my current balance is £700 and total amount of charges they owe me is £1,890!! From when I issued my LBA to them 5 weeks ago I've no response from them, issued a claim against them which they have now defaulted on, sent in my request for judgement last week. they seem to be under the impression if they ignore me I'll just go away! How very wrong they are! Next step, bailiffs if they don't comply within 7 days of receiving judgement from the court.

On the matter of Credit agreements Monument really don't stand a chance, I'm sure you've all read the relevant sections of the Consumer Credit Act requiring certain prescribed terms that MUST be on the agreement for it to be a regulated corectly executed agreement. Monument's 'rapid reply' application hasn't a hope of standing up in court. Keep up the good work!!

 

yes and remember it is an ILLEGABLE image on an electonic screen -- the rapid reply card was just that made out of card to be stuck down at the edges and sent back

 

this may sound obvious but they have not got an iamge of whatever was on the back of the card they also have to supply a true copy of an executed agreement to court

 

if you think about it that is why they have sold off all the "poor" quality customer monument accounts off ...... before they get sectioned S78 'd like selling a time bomb

 

and as for prescribed terms .... no chance "norfolkinchance"

[archer_66]

lol lol

yea i know what u mean about the "CCA"

well i hope u get to call the bailiffs in shane cos that would be fantastic!

i dont blame them for selling the debts off i would if i were in their shoes considering all the facts.

it is def a timebomb