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Re: Buffy's diary
Definitely send to Niddy
Definitely send to Niddy
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Re: Buffy's diary
And there is more than one way to skin a cat (my new motto)
Just because it complies with a s77-79 request doesn't mean it is enforceable. Things like DN's and assignment notices all come into play so you can still play themComment
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Re: Buffy's diary
Got CCA back from Moorcroft (Argos card). They claim its Enforcable but its just the Argos application form with no terms and conditions.
How do i email it to Niddy? I tried the "email cca" on his profile but that needs Outlook which i don't use.Comment
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Re: Buffy's diary
Try this--------> agreements@all-about-debt.co.ukOriginally posted by buffy300577 View PostI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Buffy's diary
They combined them into ONE ?!?!?Originally posted by buffy300577 View Post
So what the hell IS this covered by ? I think they have just shot themselves in the foot. I would be interested in finding out otherwise ? If they are claiming that, as part of the Debt is an Overdraft and therefore NOT covered by the CCA, they can ignore the Act for the whole lot, then I think they have a problem. Any views anyone ?Comment
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Re: Buffy's diary
Sadly it is enforceable, well it can be rather easily.Originally posted by buffy300577 View Post
They have sent a copy of the application, this is from 2006 so they can easily fix it to make it compliant unfortunately.... ie they can send the terms later and make it enforceable.
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.ukComment
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Re: Buffy's diary
But can it be blagged? At present it is ue as no pts.Comment
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Re: Buffy's diary
Possibly but I think they've threatened action hence deffo send threat of litigation for now.
Hard to blag as post 01/2005 (electronic comms regs)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.ukComment
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Re: Buffy's diary
Just a thought, but I will crawl back under my stone
. It's cooler there
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Re: Buffy's diary
So is it UE until untill they send me a copy of the terms and conditions or is what they have send enough? They have only said that they will continue actions to collect the debt in 14 days.
Do I need to send them the missing t&c template?Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Buffy's diary
Metropolitan have send CCAs about the loan and mastercard, have emailed both to Niddy
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Re: Buffy's diary
Ohh dont you just wanna hug Niddy sometimes??
HSBC mastercard is 100%
Loan is a possibility but will blag it for the time being
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Re: Buffy's diary
How's the blagging going ?Originally posted by buffy300577 View PostOhh dont you just wanna hug Niddy sometimes??
HSBC mastercard is 100%
Loan is a possibility but will blag it for the time beingI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Buffy's diary
I have been offline for some time, had personal issues.
As a quick update...
I have cleared 2 of my debts with F+F payments. I am basically starting with the lowest ones and working my way up. I have stopped payments to Egg- Barclaycard and haven't heard anything so far.
I am still paying the rest but HSBC mastercard was sold over to Arrow so will be sending them an account sold in dispute letter to see what they say.
The other 3 debts are enforceable and have been saving money to make F+F payments to them also
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