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  • #31
    Re: Grassy Knollington vs Nasty Banks

    HFC Credit Card

    Date commenced: Approx. 2003

    Approx Balance £5900

    Date last paid Aug 2013

    Defaulted December 2013

    Account owner HFC still (I think)

    13/1 Letter from HFC - account has been referred to Restons Solicitors
    20/1 Letter to HFC - complaint re failure to consider offers or freeze interest, request for copy of Credit Agreement enclosing £1
    21/1 Extremely threatening letter received from Restons - pay up by January 30th or we will issue a County Court summons
    21/1 Letter to Restons - outstanding CCA request and account in dispute with HFC
    29/1 Letter from Restons - We are referring to our client and will revert back to you in due course

    13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
    13/2 - Letter from Restons - backing down from the court action - no longer instructed in this matter, please direct all future communications to HFC


    Well well! I wouldn't have believed it! What's the betting that they have a compliant agreement??! This stuff actually works! I know Restons would have gone for the jugular if they could have - CCJ and charging order, as they are legendary. Very happy tonight!

    Comment


    • #32
      Re: Grassy Knollington vs Nasty Banks

      no shit Sherlock! of course you can get through, you just need to play the game, carefully

      Comment


      • #33
        Re: Grassy Knollington vs Nasty Banks

        Originally posted by MrsD View Post
        no shit Sherlock! of course you can get through, you just need to play the game, carefully
        haha thanks MrsD! I have an absolute mountain to climb yet, 6 years before SB on any of my huge debts, but you know what, I've decided to CCA each and every one of the buggers and go down the UE route. This site is amazing.

        Comment


        • #34
          Re: Grassy Knollington vs Nasty Banks

          Originally posted by grassy_knollington View Post
          HFC Credit Card

          Date commenced: Approx. 2003

          Approx Balance £5900

          Date last paid Aug 2013

          Defaulted December 2013

          Account owner HFC still (I think)

          13/1 Letter from HFC - account has been referred to Restons Solicitors
          20/1 Letter to HFC - complaint re failure to consider offers or freeze interest, request for copy of Credit Agreement enclosing £1
          21/1 Extremely threatening letter received from Restons - pay up by January 30th or we will issue a County Court summons
          21/1 Letter to Restons - outstanding CCA request and account in dispute with HFC
          29/1 Letter from Restons - We are referring to our client and will revert back to you in due course

          13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
          13/2 - Letter from Restons - backing down from the court action - no longer instructed in this matter, please direct all future communications to HFC
          25/2 -
          13/2 - STILL NO RESPONSE FROM HFC TO MY CCA REQUEST AND COMPLAINT
          They have around 3 further weeks to respond under FCA complaint handling guidelines - seems like they are maybe having difficulty in locating the original agreement, or in producing a reconstruction.

          Part of me wants to just let sleeping dogs lie, but I am tempted to take them to the Ombudsman for failing to respond to my request/complaint. After all they did set Restons on me, and if they can't produce the agreement, I'd quite like them to actually admit it and then I can file this one away for the moment. Any advice here? Thanks.

          Comment


          • #35
            Re: Grassy Knollington vs Nasty Banks

            Barclaycards x 2 (both old Egg cards, World MasterCard and Standard Card)

            Date commenced: Approx. 2004 & 2005

            Approx Balance £9,000 and £10,000

            Date last paid : Token £5 payments on DMP every month to each

            Defaulted - never apparently

            Account owner: Not sure. I thought this was with a DCA... maybe Link.

            1/2 - Letters x 2 from Barclaycard "After reviewing your payments" we are now issuing a formal demand for payment (with threat of court action). Can avoid this by telephoning them and coming to a payment arrangement. And P.S we screwed up your CRA reporting. We're now correcting it and defaulting you.
            24/2 - CCA requests x 2 sent to Barclaycard for each card (after a little delay on my part)
            Better late than never, got the CCA's off in the post today. I have a feeling these will go to one of the more "ruthless" collection agencies when they mass assign next month (probably), and therefore need to be fully armed given the size of the debts

            Comment


            • #36
              Re: Grassy Knollington vs Nasty Banks

              Originally posted by grassy_knollington View Post
              They have around 3 further weeks to respond under FCA complaint handling guidelines - seems like they are maybe having difficulty in locating the original agreement, or in producing a reconstruction.

              Part of me wants to just let sleeping dogs lie, but I am tempted to take them to the Ombudsman for failing to respond to my request/complaint. After all they did set Restons on me, and if they can't produce the agreement, I'd quite like them to actually admit it and then I can file this one away for the moment. Any advice here? Thanks.
              Don't poke them....... let the dog sleep....

              Originally posted by grassy_knollington View Post
              Better late than never, got the CCA's off in the post today. I have a feeling these will go to one of the more "ruthless" collection agencies when they mass assign next month (probably), and therefore need to be fully armed given the size of the debts
              Good luck......
              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


              • #37
                Re: Grassy Knollington vs Nasty Banks

                Barclaycards x 2 (both old Egg cards, World MasterCard and Standard Card)

                Date commenced: Approx. 2004 & 2005

                Approx Balance £9,000 and £10,000

                Date last paid : Token £5 payments on DMP every month to each

                Defaulted - never apparently

                Account owner: Not sure. I thought this was with a DCA... maybe Link.

                1/2 - Letters x 2 from Barclaycard "After reviewing your payments" we are now issuing a formal demand for payment (with threat of court action). Can avoid this by telephoning them and coming to a payment arrangement. And P.S we screwed up your CRA reporting. We're now correcting it and defaulting you.
                24/2 - CCA requests x 2 sent to Barclaycard for each card (after a little delay on my part)
                5/3 - Very lengthy reconstituted Egg agreement received from Barclaycard for card #1. Accompanying Letter: "...we have now fully complied with all our obligations under S.78". It looks good and professional
                I shall now perform the "scan and send to Niddy" procedure this evening.

                Comment


                • #38
                  Re: Grassy Knollington vs Nasty Banks

                  Originally posted by grassy_knollington View Post
                  I shall now perform the "scan and send to Niddy" procedure this evening.
                  Mail returned "message size exceeded". Trying again.......

                  Comment


                  • #39
                    Re: Grassy Knollington vs Nasty Banks

                    Originally posted by grassy_knollington View Post
                    Mail returned "message size exceeded". Trying again.......
                    Just send the first 3 pages....

                    Niddy will ask if he needs any more..
                    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


                    • #40
                      Re: Grassy Knollington vs Nasty Banks

                      Originally posted by Deepie View Post
                      Just send the first 3 pages....

                      Niddy will ask if he needs any more..
                      Thanks Deepie! I've managed to chop it all up into3 parts and resend it before I read your reply, lol

                      Comment


                      • #41
                        Re: Grassy Knollington vs Nasty Banks

                        Just a little update on my Egg CCA, I didn't hear anything back on it from Niddy so I"m not sure if he received it in the end.

                        Comment


                        • #42
                          Re: Grassy Knollington vs Nasty Banks

                          Suspect he been kinda busy so dont fret. Sure he will come to it when he can.

                          Easy to say I know but now its bumped just chillax.

                          Comment


                          • #43
                            Re: Grassy Knollington vs Nasty Banks

                            Originally posted by grassy_knollington View Post
                            Just a little update on my Egg CCA, I didn't hear anything back on it from Niddy so I"m not sure if he received it in the end.
                            Sorry I've been snowed under. I'll try check tonight / tomorrow and will email straight back.

                            Thanks.
                            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

                            Comment


                            • #44
                              Re: Grassy Knollington vs Nasty Banks

                              Ah, cheers then, no worries. I just thought the emails might not have got through with them initially bouncing etc. Many thanks!

                              Comment


                              • #45
                                Re: Grassy Knollington vs Nasty Banks

                                I'm shattered mate. I'll deffo give an answer by this time tmw. There's no dire rush right now.....

                                If you can resend then I'll look quickly on phone (ie in the next 12hrs) but your last emails are on my laptop now
                                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

                                Comment

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