| Aktiv Capital chasing 11 year old debt |
| I'm just wondering what I can do about this? I received a letter from Aktiv Capital today telling me I owe £xxx. I didn't recognise the name of the original creditor, and after speaking to them I found out it was from a store card that I got in 1997. I have made no payments for at least 9 years. This is the first letter I have had about this debt in about 8 years. However, they told me the last letter was sent to me in August 2007. I cannot remember receiving this, and I certainly made no payments/acknowledged debt. I was under the impression that this would be statute barred as it is well over 6 years old. However, Aktiv Capital maintain it's not and they will persue the debt anyway. Can they do this? Any help would be appreciated. clemma View Public Profile Send a private message to clemma Find More Posts by clemma 12th December 2008, 16:39 # 2 ( permalink ) cerberusalert Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 I am in: South of Muckle Flugga Posts: 539 Re: Aktiv Capital chasing 11 year old debt Even if they had sent you a letter in August 2007 it was & still is statute barred. What these muppets fail to realise is that the onus is on them to prove the debt exists....I'll rephrase that....they have to prove that it is enforcable....they can't unless you have paid anything or agreed in writing to within the last six years. Personally I would write them a letter reminding them that it is statute barred! cerberusalert View Public Profile Send a private message to cerberusalert Find More Posts by cerberusalert 12th December 2008, 16:41 # 3 ( permalink ) palomino Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2008 I am in: Wiltshire Posts: 1,408 Re: Aktiv Capital chasing 11 year old debt If what you say is true then it is very much statute-barred. It is irrelevant when they wrote to you. It is what you have done that matters. And if you haven't done anything then that is what does matter. Tell them to go away - in words of your own choosing. palomino View Public Profile Send a private message to palomino |
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Wednesday, 31 December 2008
Aktiv Capital chasing 11 year old debt
DCA's in 2009 Well as 2008 draws to a close & 2009 is nearly upon us...what can we expect from our beloved DCA friends for the next 12 months i wonder
| DCA's in 2009 |
| Well as 2008 draws to a close & 2009 is nearly upon us...what can we expect from our beloved DCA friends for the next 12 months i wonder? Will they all increase the pressure on people? Will many of them go bust? (i hope ) Will the govt have a crack down on them all due to the economic meltdown? Who knows whats in store for 2009? mr.ton View Public Profile Send a private message to mr.ton Find More Posts by mr.ton Today, 19:19 # 2 ( permalink ) ScabHunter Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Sep 2008 I am in: a rather angry mood Posts: 982 Re: DCA's in 2009 Well, I am no psychic, but I am prepared to predict that the CAG will be an even bigger thorn in their side next year than it was this year. The number of registered CAGgers is growing, ever more people are being helped and then staying around to help others, and the site is highly ranked in the search engines for so many relevant terms. I also predict that the DCAs will grow ever more desperate, and their behaviour towards innocent people will, if anything, get even worse. Which will bring more people to the search engines. Where they will find......you know who, and so the cycle will continue. SH __________________ All opinions of ScabHunter are given in good faith and believed to be accurate. Please note, however, that I have no formal training in law, finance or any related field, and that therefore no guarantees are intended or implied If I have helped, please feel free to tip the old scales! ScabHunter View Public Profile Send a private message to ScabHunter Find More Posts by ScabHunter Today, 19:25 # 3 ( permalink ) Fred Bassett Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jan 2007 I am in: I'm right here Posts: 1,936 Re: DCA's in 2009 Well I've noticed a change in behaviour of some of them already this year - but who knows how they're behaving to people unaware of how powerless these people actually are. Spread the word I say - shout it from the roof tops. Personally, If I can afford it, I will stick some adverts in my local newspaper and see what sort of response that gets. Regards to all and a happy and prosperous 2009. Fred |
Mbna
Image by DavidDMuir via FlickrMbnaI have received a letter from MBNA insisting that I make a payment to my account otherwise they will insist that I disclose personal assets and income. Could anyone tell me what this means? I wrote to MBNA on 4th October and asked that they freeze interest and charges on the account and suggest a fixed payment schedule for me. I also asked that they stop telephoning me. I had no reply until now. Even so I have received any number of telephone messages to my home and to my workplace but am wary of entering into any informal agreement with them. This has happened after a DCA 'Aegis' had harrassed me for weeks. Advice appreciated. Worried6 View Public Profile Send a private message to Worried6 Find More Posts by Worried6 20th November 2008, 00:04 # 2 ( permalink ) 42man Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 Posts: 8,156 Re: Mbna Hi Worried and welcome to the CAG forums.....i'll move your thread to the Debt Collection forum as I am sure you will get some useful help and advice... __________________ Forum rules - http://www.consumeractiongroup.co.uk...ease-read.html PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences. IF WE HAVE BEEN HELPFUL -PLEASE GIVE A DONATION TO CONTINUE OUR FIGHT If I have been helpful, please feel free to tickle my scales !! 42man View Public Profile Send a private message to 42man Find More Posts by 42man 20th November 2008, 02:13 # 3 ( permalink ) dx100uk Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Dec 2006 Posts: 1,581 Re: Mbna firstly i would register with the mbna online a/c site then change all your phone nubers to 0's [using the correct format] that might stop all the calls. then i would fire of a telephone harrassment letter from the templates section and send it registered or recorded delivery. it might well be an idea to Subject Access Request them too, you must have lots of charges you can reclaim, that should put the A/c in dispute & stop them passing it around. lastly, NEVER talk on the phone, request all comms via letter good luck we are all with you. dx
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Tuesday, 30 December 2008
What's the worst that can happen?
Image by NCreedplayer via FlickrWhat's the worst that can happen?Hi, I've got a few threads spread out across the site dealing with several isues, all receiving excellent replys that are helping me alot. But this post is about a situation that worries me the most, My o/h owes around 8k on an abbey c/c, which we've been unable to keep up payments after being put out of work. I had been told rightly or wrongly (not by anyone on this site) that it's best to stop contact with the original lender and wait for the debt to be passed to a collector and negotiate payment with them, I don't know if this is the right thing to do, but it's the route that we have taken. But since finding this site I've read posts that say that the lender doesn't always use collectors and sometimes takes action through the court themselves. With a debt of 8k on a c/c is it likely that this will happen? also, the main worry is that we receive £88 a week c/t/c and around £30 child benefit. We have 2 children and this is our only source of income for which we have to use to pay other debts aswell as the usual utilitys ect. We know that until our work situation improves then the debt will never be paid off but we were hoping for damage limitation by at least paying something per month that we can afford, which right now isn't going to be alot. If it goes to a collector and they refuse an offer from us or the original lender takes us to court themselves, what is the worst that could happen to us? We rent and don't own, have no savings left anymore and are pretty much screwed. Would a court in general allow us to pay a very small amount back each month untill our situation improves, or would it be a case of baliffs or bankrupcy (neither of which is going to benefit anyone) many thanks Happyfeet24 View Public Profile Send a private message to Happyfeet24 Find More Posts by Happyfeet24 28th December 2008, 21:09 # 2 ( permalink ) fuzzybobble Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2006 I am in: the process of fuzzybobbling Bryan Carter & Co Posts: 1,841 Re: What's the worst that can happen? In your case the very worst that can happen is they go to court to get a CCJ against you. In your own interests turn up at court with proof of your income/child benefits each month and what you have to pay out each month. Then the court will set an amount you can easily afford to pay. In your case £1 a month token payment. But before it comes to that, send Abbey a CCA request and see if the debt is enforceable in the first place. You have a good chance that they won't be able to produce anything that is enforceable and puts you in far stronger position. If they can't produce an enforceable CCA, and they know that you know it's unenforceable, then it's highly unlikely they will attempt court action. By being on this website, you're halfway to a stress free life. __________________ ---------------------------------------------- Fuzzybobble - 35 DCA's - 0 ---------------------------------------------- These are video links to show how I deal with DCA's Fuzzybobble + Judge Judy = DCA confusion. http://uk.youtube.com/watch?v=XME7X3FehBk Fly fishing for C.A.R.S http://uk.youtube.com/watch?v=zPtzK8FqE6k&featu re=related Moorcroft's confusion over fake details http://uk.youtube.com/watch?v=1bZ2jgU-elQ&feature=related Frederickson International don't accept my card type http://uk.youtube.com/watch?v=eiZBULlWW6Q&featu re=related The worlds first honest DCA promotional video http://video.google.co.uk/videoplay?docid=-7092337717785560440 May contain strong language and nuts. < Please thank me by clicking on the scales. fuzzybobble View Public Profile Send a private message to fuzzybobble Find More Posts by fuzzybobble 28th December 2008, 21:19 # 3 ( permalink )
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Ocean finance TV??....worrying at all?
| Ocean finance TV??....worrying at all? |
| i turne don my TV this afternoon, to see several adverts regarding a new channell in sky digitals line up... channel 888 is now "Ocean Finance TV". seeing as how people like this have ben helping people to get into furthur debt for quite some time now, is it just me that feels worried that soon other companies will follow suit?. what next?, moorcroft TV?, with the 7pm-8pm slot being the "name and shame hour", where they tell stories of "evil debtors" not paying up etc?. godpikachu View Public Profile Send a private message to godpikachu Find More Posts by godpikachu Today, 00:48 # 2 ( permalink ) jonni2bad Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Mar 2006 I am in: balanced Posts: 8,318 Re: Ocean finance TV??....worrying at all? Many a true word said in jest...! How the hell did this happen? __________________ . . . Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer. jonni2bad View Public Profile Send a private message to jonni2bad Find More Posts by jonni2bad Today, 00:50 # 3 ( permalink ) Rooster-UK Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Mar 2006 I am in: Birmingham. Posts: 9,566 Re: Ocean finance TV??....worrying at all? I don't think they would be silly enough to do a "name and shame".... it would leave them wide open to libel claims. I would think that it will be "Loans for All". The same thing that you get in all the newspaper adverts. __________________ |
Lloyds Platinum Card
Image via WikipediaHey all, I have a LLoyds Platiunum card, I can't afford to pay it back, and I have gone through all the National Debtline advice on making offers of token payments etc and asking for interest and charges to be stopped and for the debt to be treated sympathetically and positively. Lloyds have repeatedly refused my offers of payment and have pursued the line of 'pay up or else' and have since applied defaults to my account. Last letter I sent them was a CCA request dated September 1st to which I received no reply. Just got a letter this morning from MHA collections 'on behalf of LLoyds TSB' saying I must pay them or they will instigate court proceedings. Should I send them this letter Hi everyone - newbie - any advice? or is there a better approach? Cheers prelude2a - View Public Profile Send a private message to prelude2a Find More Posts by prelude2a 2nd November 2008, 02:42 # 2 ( permalink ) Lula Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Apr 2006 I am in: Hertfordshire Posts: 10,129
Re: Lloyds Platinum Card
Hi, yes, by all means send them the letter, and also send Lloyds this letter (marked N), DO NOT use your normal signature to sign it, better to print your name and enclose a £1 fee by way of postal order, whilst you are waiting for all that I would have a good read of the forum and gather information to help yourself do this, if it transpires that they do not have a properly executed agreement, then the ball really is in your court, you can set the amount you want to pay. Lula View Public Profile Send a private message to Lula Find More Posts by Lula 2nd November 2008, 03:10 # 3 ( permalink )
gizmo111 Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 Posts: 9,547 Re: Lloyds Platinum Card For signing letters read here for some good tips. If you have sent you income and expenditure, and can only afford token payments at present then it is not a case of them accepting your offer, rather a case of that is all they are going to get. Make the payments you offered regardless of what they threat. It usually takes a while before they stop interest, as they will try to get higher payments out of you in the interim, and it is also unlikely they will not default you.
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Debt Collection Industry Queries
Blair Oliver and Scott/Bank of Scotland ** Compensation awarded by FOS ** Top Hi Everyone, I'm new to the site (I have registered and had a good read) and just wanted to check a few things. I have 4 accounts with Bank of Scotland via Blair, Oliver and Scott, otherwise known in this house as Barmy Orrible and Stupid, and have had repeated problems with harassment, not replying to correspondence and all the other bullying tactics that have been discussed elsewhere. I'm currently pursuing a second complaint via the FOS - I won the first one. Despite the fact that there is an ongoing complaint, I am making the agreed payments and Citizen's Advice have intervened, I am still getting about 5 letters a week demanding that I phone them - which they have been repeatedly told I cannot do due to disability. I finally got really p***ed off this morning and reported them to trading standards. I hadn't previously considered disputing the debts, although no doubt there are horrendous charges especially on the two credit cards, because I consider that I do owe the money. However as I have no hope of ever going back to work and it will take about 300 years to clear at the current rate, all I now want is for them to go away and leave me alone. I've even had to change my (unlisted - how did they get it?) phone number. From what I've read I think I need to CCA them, but as barmy orrible and stupid are the same company as Bank of Scotland, who do I write to? Also, because of my circumstances I have asked for the debts to be written off, but of course they never reply. On the off chance that they have the documentation and actually send it to me in time, any suggestions on this point? Or any other ways of making them go away? At the rate we're going in another couple of years the compensation from the ombudsman will have cleared the debts anyway. Many thanks to anyone who has the time to respond. reallymadwoman View Public Profile Send a private message to reallymadwoman Find More Posts by reallymadwoman 30th June 2007, 17:33 # 2 ( permalink ) clutchingatstraws Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 Posts: 823 Re: Blair Oliver and Scott/Bank of Scotland CCA seperately to Blair Oliver and Scott for each of the four accounts. You can put all four into one envelope and send it signed for recorded start timing them from when it is recieved, you can check this on royal mail track and trace. Also ask for a copy of their internal complaints procedure it will save a stamp later on. All the best Cas No CCA No Pay clutchingatstraws View Public Profile Send a private message to clutchingatstraws Find More Posts by clutchingatstraws 30th June 2007, 17:38 # 3 ( permalink ) reallymadwoman Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2007 I am in: South west Posts: 1,466 Re: Blair Oliver and Scott/Bank of Scotland Thanks for the help. And for everyone else on this site, I think you are all amazingly helpful and reading the various threads has dragged me back up from the bottom of the black hole again. Thanks - it's really nice to know I'm not alone and all this harassment is not personal.
Arrow Global appoint Weightmans Top Arrow Global appoint Weightmans Dec 1, quote "THE COMMERCIAL Recovery team at Weightmans has been appointed by international debt purchasing giant Arrow Global. Large scale sales of consumer debts by financial institutions, utilities and telecom companies in Europe and Asia have fuelled the growth of Arrow Global's business and Jill Cox, Head of Commercial Recoveries at Weightmans, is enthusiastic about the potential of the new deal. She said: "Arrow Global is an international player in this field and a welcome addition to our client base. "We have successfully completed their rigorous on boarding process and we are now looking forward to a long term relationship." Ms Cox said the new contract could lead to a 100% increase in turnover by the end of the 2009/10 financial year. "I am pleased to have formed a relationship with such a recognised organisation. It is a testament to months of hard work by the entire Commercial Recovery team and I am confident that we will be announcing further successes in the coming months." unquote FANTASY CHARGES View Public Profile Send a private message to FANTASY CHARGES Find More Posts by FANTASY CHARGES 17th December 2008, 22:50 # 2 ( permalink ) cashins Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Oct 2007 Posts: 1,163 Re: Arrow Global appoint Weightmans Quote: "We have successfully completed their rigorous on boarding process and we are now looking forward to a long term relationship." Ms Cox said the new contract could lead to a 100% increase in turnover by the end of the 2009/10 financial year. "I am pleased to have formed a relationship with such a recognised organisation. It is a testament to months of hard work by the entire Commercial Recovery team and I am confident that we will be announcing further successes in the coming months." unquote Have to say they seem inordinately pround of extending their involvement in a business most of the legal profession wouldn't touch with a bargepole. "On boarding process" - Ye Gods! David cashins View Public Profile Send a private message to cashins Find More Posts by cashins Today, 12:00 # 3 ( permalink ) pookeymonkey Classic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 I am in: Portsmouth Posts: 155 Re: Arrow Global appoint Weightmans Just got my first letter from Weightmans regarding an unenforceable MBNA/Arrow account. Hope this doesn't mean the end for Marlin/Mortimer Clarke solicitors , as most Arrow stuff went through them before Weightmans. And to think Marlin/MC had just moved into a nice new office. Weightmans might not be so pleased with Arrow when they start to deal with this account. No paperwork after CCA request, then took me to court and discontinued (due to no paperwork). I even have a letter form Mortimer Clarke saying there is no paperwork but they are still trying to find it, that was over a year ago (CCA made nearly 2 years ago!). Pookey Fangio v's MBNA etc Top Right, I CCa'd all odf them, the 12+2 has paassed, and i've not heard a dickie, other than the endless collection calls and a note from capone that my I+E form was "not adequate"... what is my next move ? Is it now time for the account in dispute letter ? FOTN Fangio of the nineties View Public Profile Send a private message to Fangio of the nineties Find More Posts by Fangio of the nineties 23rd December 2008, 10:36 # 2 ( permalink ) silverfox1961 Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Oct 2008 I am in: East midlands Posts: 672 Re: Fangio v's MBNA etc Hi FOTN, I'm hoping you sent all your CCA requests recorded delivery There is a mixed view on what to do next. Some people say that the DCA now knows the A/C is in dispute and we shouldn't have to remind them but as you've had more demanding letters I'd send the A/C in dispute letter. Just a side not. don't bother sending I+E forms. They have no right to them at all. fox silverfox1961 View Public Profile Send a private message to silverfox1961 Find More Posts by silverfox1961 23rd December 2008, 13:17 # 3 ( permalink ) Fangio of the nineties Basic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Dec 2008 Posts: 15 Re: Fangio v's MBNA etc Sadly i only have proof of posting.(good enough for the courts)...the attatched cheques have not yet been presented...I would intent to send the dispute letter recorded delivery though... FOTN Fangio of the nineties View Public Profile Send a private message to Fangio of the nineties Find More Posts by Fangio of the nineties 23rd December 2008, 13:35 # 4 ( permalink )
Important info about Connaughts!!!!! Top A couple of month ago I wrote to my MP regarding Connaught Collections serving a SD on me. I have had a reply via my MP from John Fingleton the Chief Executive of OFT. Basically he says he is going to take my details for future action to be taken.He also expressed that OFT DO take action against Debt Collecting Companies who breech there guidance. If you have had a SD or been bullied by Connaught Collection please write a letter to your MP expressing there tactics and ask them to contact the OFT on your behalf. As the MP writes and gets an answer directly of the Chief Executive this should have some pull. The more complaints that get rasied OFT will have to act. HAK __________________ Click here for great help http://www.consumeractiongroup.co.uk...hat-youre.html http://www.consumeractiongroup.co.uk...i-dummies.html If I have helped please give the scales a press. <<<<<<<<<<<<<<<<<<<<<<<<< <<<<<<<<<< Having_A_Knightmare View Public Profile Send a private message to Having_A_Knightmare Find More Posts by Having_A_Knightmare 24th December 2008, 14:43 # 2 ( permalink ) pt2537 Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jan 2007 I am in: Southampton (actually Eastleigh) Posts: 9,802 Re: Important info about Connaughts!!!!! Hmm, i am dealing with these macaroons for a client at the mo, i will be forwarding the judges comments to the OFT once we have dealt with it but alas i cant post any more than that at the mo __________________ .... .... Currently due to work commitments i am unavailable and will not be able to reply to any requests for assistance. I expect to be off-line for the next month or so at least PLEASE DO NOT PRIVATE MESSAGE ME AND THEN WAIT FOR A REPLY, ESPECIALLY IF YOU NEED URGENT HELP AS YOU MAY NOT GET A REPLY IN TIME pt2537 View Public Profile Send a private message to pt2537 Visit pt2537's homepage! Find More Posts by pt2537 24th December 2008, 14:53 # 3 ( permalink ) Von Greenbach Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Apr 2008 Posts: 447 Re: Important info about Connaughts!!!!! Quote: Originally Posted by Having_A_Knightmare
Barclaycard S.A.R. Query Top My S.A.R. to Barclaycard ran out on 24/12/08 they just beat the deadline by forwarding me a 50 page stack of complicated computer data sheets like this one, most of which are undecypherable to me: http://i407.photobucket.com/albums/p...ataSheet-1.jpg They did not send me the copy statements I specifically requested nor a copy of my original credit agreement despite my paying £10 for this service! What is my next step ..........C an someone please advise! Thanks, Jendoc jendoc View Public Profile Send a private message to jendoc Find More Posts by jendoc Today, 11:31 # 2 ( permalink ) hillards Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Sep 2006 I am in: Doncaster Posts: 780 Re: Barclaycard S.A.R. Query A Subject Access Request is your request to the original creditor for details of any information they hold on your account. Many of the financial institutions have simply sent out a big bundle of copy statements, as that was reasonably easy for them to organise. However, that is not a solution which was set in stone, as you have discovered. What they have done here is to provide a computer printout of the transactions on the account, which may or may not be helpful to you. You need expert help in figuring out what it all means and I'm afraid I don't know for certain. The best guess is that if there are any values against the various transaction types then these could be charges? Did you specify in your request that you required copies of ALL records they held against your name? This could have included transcripts of any conversation you may have had with them, in person or by phone, as well as your agreement and so on. If you just sent a standard Subject Access Request they will have given a standard response. If you feel they have failed to provide what you asked for then write to them and say what they have missed. But, make sure you asked for it in your original request. Usually you would have requested a copy of your agreement in a CCA letter to whoever has been chasing you for payment, that's the first line of action to take. The banks know this and could have taken it this had already been dealt with. When I've looked at the Subject Access Request letters people send, I have felt that they do not go deep enough in asking for the information I know I would wish to see. My own request to the Hx, for my old credit card account, went on to ask for the transscripts and notes held on my account - in other words, ALL information they hold, not just the financial breakdown. It may not be the answer you wanted, but they do seem to have provided the information they think you asked for. __________________ Be good to those who give you advice that helps - click the scales on the left to give them your thanks by way of a reputation credit. Halifax Bank - WON 20/12/06 - £1,500! (cheque arrived 06/01/07) My Halifax Thread - HERE I've launched my CAG inspired site at http://hillards.co.cc/ for anyone who is new to the site and wants to know what the DCA's are really like, or what a CCA or Subject Access Request is... Lots of good reading! hillards View Public Profile Send a private message to hillards Find More Posts by hillards Today, 11:43 # 3 ( permalink ) jendoc Classic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 Posts: 218 Re: Barclaycard S.A.R. Query Thank you Hillards for your reply and clarification, Would it be worthwhile sending another S.A.R. Specifically requesting only to supply copy statements and a copy of the CCA associated with this card? Jendoc
Threatened with statutory demand for bankruptcy Top Can anyone please offer some advice? CapQuest (a debt recovery company) have sent me a statutory demand for bankruptcy for debts on two credits cards issued by Halifax Plc. Is there a way I can stop CapQuest proceeding with the bankruptcy petition? In accordance with the Consumer Credit Act 1974, I have sent CapQuest a letter requesting signed original copies of the agreements to which the debts relate. Is this sufficient ground to put the bankruptcy petition on hold? Any useful advice will be greatly appreciated. Jaspiro View Public Profile Send a private message to Jaspiro Find More Posts by Jaspiro 22nd December 2008, 03:28 # 2 ( permalink ) rory32 Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 I am in: Scotland Posts: 12,732 Re: Threatened with statutory demand for bankruptcy Statutory demands should only be issued where the amount owed is not disputed. Not being able to supply the credit agreement would be a reason to set aside the demand. However in order to give you fuller reasons for obtaining the set aside it would be useful if you could answer the following questions: Are there any charges on these accounts e.g. late payment charges, overlimit charges? Have you received a default notice? Have you received a notice of assignment? Did you receive a letter before action informing you that a statutory demand would be issued? How much roughly is the amount claimed on the statutory demand? When were the accounts taken out? Are you a homeowner? __________________ HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's? YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008. Complaint to the OFT regarding an invalid CCA agreement Complaint to the OFT about telephone harassment from Debt Collectors and Creditors Complaint to the OFT about DCA's threatening legally action on statute barred accounts . Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer. rory32 View Public Profile Send a private message to rory32 Find More Posts by rory32 22nd December 2008, 10:24 # 3 ( permalink ) 42man Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 Posts: 8,136
Arrow Global appoint Weightmans Top Arrow Global appoint Weightmans Dec 1, quote "THE COMMERCIAL Recovery team at Weightmans has been appointed by international debt purchasing giant Arrow Global. Large scale sales of consumer debts by financial institutions, utilities and telecom companies in Europe and Asia have fuelled the growth of Arrow Global's business and Jill Cox, Head of Commercial Recoveries at Weightmans, is enthusiastic about the potential of the new deal. She said: "Arrow Global is an international player in this field and a welcome addition to our client base. "We have successfully completed their rigorous on boarding process and we are now looking forward to a long term relationship." Ms Cox said the new contract could lead to a 100% increase in turnover by the end of the 2009/10 financial year. "I am pleased to have formed a relationship with such a recognised organisation. It is a testament to months of hard work by the entire Commercial Recovery team and I am confident that we will be announcing further successes in the coming months." unquote FANTASY CHARGES View Public Profile Send a private message to FANTASY CHARGES Find More Posts by FANTASY CHARGES 17th December 2008, 22:50 # 2 ( permalink ) cashins Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Oct 2007 Posts: 1,163 Re: Arrow Global appoint Weightmans Quote: "We have successfully completed their rigorous on boarding process and we are now looking forward to a long term relationship." Ms Cox said the new contract could lead to a 100% increase in turnover by the end of the 2009/10 financial year. "I am pleased to have formed a relationship with such a recognised organisation. It is a testament to months of hard work by the entire Commercial Recovery team and I am confident that we will be announcing further successes in the coming months." unquote Have to say they seem inordinately pround of extending their involvement in a business most of the legal profession wouldn't touch with a bargepole. "On boarding process" - Ye Gods! David cashins View Public Profile Send a private message to cashins Find More Posts by cashins Today, 12:00 # 3 ( permalink ) pookeymonkey Classic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 I am in: Portsmouth Posts: 155 Re: Arrow Global appoint Weightmans Just got my first letter from Weightmans regarding an unenforceable MBNA/Arrow account. Hope this doesn't mean the end for Marlin/Mortimer Clarke solicitors , as most Arrow stuff went through them before Weightmans. And to think Marlin/MC had just moved into a nice new office. Weightmans might not be so pleased with Arrow when they start to deal with this account. No paperwork after CCA request, then took me to court and discontinued (due to no paperwork). I even have a letter form Mortimer Clarke saying there is no paperwork but they are still trying to find it, that was over a year ago (CCA made nearly 2 years ago!). Pookey Fangio v's MBNA etc Top Right, I CCa'd all odf them, the 12+2 has paassed, and i've not heard a dickie, other than the endless collection calls and a note from capone that my I+E form was "not adequate"... what is my next move ? Is it now time for the account in dispute letter ? FOTN Fangio of the nineties View Public Profile Send a private message to Fangio of the nineties Find More Posts by Fangio of the nineties 23rd December 2008, 10:36 # 2 ( permalink ) silverfox1961 Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Oct 2008 I am in: East midlands Posts: 672 Re: Fangio v's MBNA etc Hi FOTN, I'm hoping you sent all your CCA requests recorded delivery There is a mixed view on what to do next. Some people say that the DCA now knows the A/C is in dispute and we shouldn't have to remind them but as you've had more demanding letters I'd send the A/C in dispute letter. Just a side not. don't bother sending I+E forms. They have no right to them at all. fox silverfox1961 View Public Profile Send a private message to silverfox1961 Find More Posts by silverfox1961 23rd December 2008, 13:17 # 3 ( permalink ) Fangio of the nineties Basic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Dec 2008 Posts: 15 Re: Fangio v's MBNA etc Sadly i only have proof of posting.(good enough for the courts)...the attatched cheques have not yet been presented...I would intent to send the dispute letter recorded delivery though... FOTN Fangio of the nineties View Public Profile Send a private message to Fangio of the nineties Find More Posts by Fangio of the nineties 23rd December 2008, 13:35 # 4 ( permalink )
Important info about Connaughts!!!!! Top A couple of month ago I wrote to my MP regarding Connaught Collections serving a SD on me. I have had a reply via my MP from John Fingleton the Chief Executive of OFT. Basically he says he is going to take my details for future action to be taken.He also expressed that OFT DO take action against Debt Collecting Companies who breech there guidance. If you have had a SD or been bullied by Connaught Collection please write a letter to your MP expressing there tactics and ask them to contact the OFT on your behalf. As the MP writes and gets an answer directly of the Chief Executive this should have some pull. The more complaints that get rasied OFT will have to act. HAK __________________ Click here for great help http://www.consumeractiongroup.co.uk...hat-youre.html http://www.consumeractiongroup.co.uk...i-dummies.html If I have helped please give the scales a press. <<<<<<<<<<<<<<<<<<<<<<<<< <<<<<<<<<< Having_A_Knightmare View Public Profile Send a private message to Having_A_Knightmare Find More Posts by Having_A_Knightmare 24th December 2008, 14:43 # 2 ( permalink ) pt2537 Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jan 2007 I am in: Southampton (actually Eastleigh) Posts: 9,802 Re: Important info about Connaughts!!!!! Hmm, i am dealing with these macaroons for a client at the mo, i will be forwarding the judges comments to the OFT once we have dealt with it but alas i cant post any more than that at the mo __________________ .... .... Currently due to work commitments i am unavailable and will not be able to reply to any requests for assistance. I expect to be off-line for the next month or so at least PLEASE DO NOT PRIVATE MESSAGE ME AND THEN WAIT FOR A REPLY, ESPECIALLY IF YOU NEED URGENT HELP AS YOU MAY NOT GET A REPLY IN TIME pt2537 View Public Profile Send a private message to pt2537 Visit pt2537's homepage! Find More Posts by pt2537 24th December 2008, 14:53 # 3 ( permalink ) Von Greenbach Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Apr 2008 Posts: 447 Re: Important info about Connaughts!!!!! Quote: Originally Posted by Having_A_Knightmare
Barclaycard S.A.R. Query Top My S.A.R. to Barclaycard ran out on 24/12/08 they just beat the deadline by forwarding me a 50 page stack of complicated computer data sheets like this one, most of which are undecypherable to me: http://i407.photobucket.com/albums/p...ataSheet-1.jpg They did not send me the copy statements I specifically requested nor a copy of my original credit agreement despite my paying £10 for this service! What is my next step ..........C an someone please advise! Thanks, Jendoc jendoc View Public Profile Send a private message to jendoc Find More Posts by jendoc Today, 11:31 # 2 ( permalink ) hillards Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Sep 2006 I am in: Doncaster Posts: 780 Re: Barclaycard S.A.R. Query A Subject Access Request is your request to the original creditor for details of any information they hold on your account. Many of the financial institutions have simply sent out a big bundle of copy statements, as that was reasonably easy for them to organise. However, that is not a solution which was set in stone, as you have discovered. What they have done here is to provide a computer printout of the transactions on the account, which may or may not be helpful to you. You need expert help in figuring out what it all means and I'm afraid I don't know for certain. The best guess is that if there are any values against the various transaction types then these could be charges? Did you specify in your request that you required copies of ALL records they held against your name? This could have included transcripts of any conversation you may have had with them, in person or by phone, as well as your agreement and so on. If you just sent a standard Subject Access Request they will have given a standard response. If you feel they have failed to provide what you asked for then write to them and say what they have missed. But, make sure you asked for it in your original request. Usually you would have requested a copy of your agreement in a CCA letter to whoever has been chasing you for payment, that's the first line of action to take. The banks know this and could have taken it this had already been dealt with. When I've looked at the Subject Access Request letters people send, I have felt that they do not go deep enough in asking for the information I know I would wish to see. My own request to the Hx, for my old credit card account, went on to ask for the transscripts and notes held on my account - in other words, ALL information they hold, not just the financial breakdown. It may not be the answer you wanted, but they do seem to have provided the information they think you asked for. __________________ Be good to those who give you advice that helps - click the scales on the left to give them your thanks by way of a reputation credit. Halifax Bank - WON 20/12/06 - £1,500! (cheque arrived 06/01/07) My Halifax Thread - HERE I've launched my CAG inspired site at http://hillards.co.cc/ for anyone who is new to the site and wants to know what the DCA's are really like, or what a CCA or Subject Access Request is... Lots of good reading! hillards View Public Profile Send a private message to hillards Find More Posts by hillards Today, 11:43 # 3 ( permalink ) jendoc Classic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 Posts: 218 Re: Barclaycard S.A.R. Query Thank you Hillards for your reply and clarification, Would it be worthwhile sending another S.A.R. Specifically requesting only to supply copy statements and a copy of the CCA associated with this card? Jendoc
Threatened with statutory demand for bankruptcy Top Can anyone please offer some advice? CapQuest (a debt recovery company) have sent me a statutory demand for bankruptcy for debts on two credits cards issued by Halifax Plc. Is there a way I can stop CapQuest proceeding with the bankruptcy petition? In accordance with the Consumer Credit Act 1974, I have sent CapQuest a letter requesting signed original copies of the agreements to which the debts relate. Is this sufficient ground to put the bankruptcy petition on hold? Any useful advice will be greatly appreciated. Jaspiro View Public Profile Send a private message to Jaspiro Find More Posts by Jaspiro 22nd December 2008, 03:28 # 2 ( permalink ) rory32 Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 I am in: Scotland Posts: 12,732 Re: Threatened with statutory demand for bankruptcy Statutory demands should only be issued where the amount owed is not disputed. Not being able to supply the credit agreement would be a reason to set aside the demand. However in order to give you fuller reasons for obtaining the set aside it would be useful if you could answer the following questions: Are there any charges on these accounts e.g. late payment charges, overlimit charges? Have you received a default notice? Have you received a notice of assignment? Did you receive a letter before action informing you that a statutory demand would be issued? How much roughly is the amount claimed on the statutory demand? When were the accounts taken out? Are you a homeowner? __________________ HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's? YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008. Complaint to the OFT regarding an invalid CCA agreement Complaint to the OFT about telephone harassment from Debt Collectors and Creditors Complaint to the OFT about DCA's threatening legally action on statute barred accounts . Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer. rory32 View Public Profile Send a private message to rory32 Find More Posts by rory32 22nd December 2008, 10:24 # 3 ( permalink ) 42man Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 Posts: 8,136
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