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  • #31
    Re: HBOS, Yorkshire Bank CCs, and other

    Now sent - pretty enormous document!

    Once again, thanks.

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    • #32
      Re: HBOS, Yorkshire Bank CCs, and other

      And further e-mail sent to identify my username here.

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      • #33
        Re: HBOS, Yorkshire Bank CCs, and other

        Thanks mate - 2 mins
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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        • #34
          Re: HBOS, Yorkshire Bank CCs, and other

          This is unenforceable as they've sent a recon agreement and random terms with differing APR's from outset - basically the back of the alleged app form shows one lot of rates, yet the terms they purport to belong to the card are way higher thus it fails and is unenforceable.... easy to fix, so think carefully on what you want to do next, is this your only debt or do you have several?

          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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          • #35
            Re: HBOS, Yorkshire Bank CCs, and other

            That's a lot less reassuring than the "In any case it is unenforceable.... totally and 100% so" you gave on my Yorkshire Bank card!

            They do say in the covering letter that they are enclosing both the current terms and the original terms, so it is no surprise there are differences. Frankly I think it looks like I'm on a sticky wicket if those variations are my only line of defence.

            There are other cards which need to go with balances of £10k, £10k and £6k, but this one at £15k was the highest.

            There might be nothing for it but to tell them my financial situation (dire) and leave them to get on with whatever they have to do.

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            • #36
              Re: HBOS, Yorkshire Bank CCs, and other

              Originally posted by musketeer View Post
              That's a lot less reassuring than the "In any case it is unenforceable.... totally and 100% so" you gave on my Yorkshire Bank card!

              They do say in the covering letter that they are enclosing both the current terms and the original terms, so it is no surprise there are differences. Frankly I think it looks like I'm on a sticky wicket if those variations are my only line of defence.

              There are other cards which need to go with balances of £10k, £10k and £6k, but this one at £15k was the highest.

              There might be nothing for it but to tell them my financial situation (dire) and leave them to get on with whatever they have to do.
              No mate you're missing my point, the original terms were NOT the actual original terms

              Treat this as kinda semi ue for the moment, as I say easy to fix but don't go telling them that cos if they try and rely on the terms you sent me in court, great! They aint the relative ones to the account you have
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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              • #37
                Re: HBOS, Yorkshire Bank CCs, and other

                Thanks, time for bed but would be grateful to discuss some more tomorrow.

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                • #38
                  Re: HBOS, Yorkshire Bank CCs, and other

                  Originally posted by musketeer View Post
                  Thanks, time for bed but would be grateful to discuss some more tomorrow.
                  tomorrow has been and gone
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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