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  • #136
    Re: Pepe2008 Heading for the Sun!

    Originally posted by pepe2008 View Post
    ...and I have no doubt that the Visa Card they 'could' transfer the remaining balance to would be a Vanquis Stylee 60% job with a Credit Limit precisely the amount of the outstanding amount
    I hadn't thought as far as that but you're right. (the dcas that is, not you!)
    Let your smile change the world but don't let the world change your smile

    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.

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    • #137
      Re: Pepe2008 Heading for the Sun!

      After a six-month lull, Crapital One have sent the CC to the Weybridge Wankers ( Freds) .

      Sent them a 'sold in dispute' with added chilli sauce referring them to the matter of ID and Crapquests and Crapital Ones serious breaches of the DPA and the fact that I would be firing up that Complaint again and would include them as they have obviously NOT taken care to ensure that I am me and that the Account is kosher ( which it isn't as no CCA)....unless they just knock it on the head.

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      • #138
        Re: Pepe2008 Heading for the Sun!

        Ref #146
        Weybridge Wazzocks reckon theres no prob with CCA cos Crapital One said so....oh well, another 60p down the drain to tell them why.....i.e it's only an Application !

        Allied Int kept phoning, I kept ignoring, until they finally sent a letter saying that they have been 'assigned' the Barclaycard (£4500 with no CCA ). Sent them an 'explain the Term 'assign' letter'..... and also asked if they had only sent a letter ,after 14 days, as they couldn't get to me on the phone and reminded them of the various Guidelines etc and told them to keep off the phone due to unsocialble hours.
        When they reply with an explanation about the 'assign', then I can address it properly...not that it matters as there is no CCA and I have the letter from Bcard that admits it.
        AIC have a second one ( Universa ) thats only £700 and has a crap CCA with no PTs. Lets see if they write about that one too.
        I feel an entertaining game coming on

        Comment

        • #139
          Re: Pepe2008 Heading for the Sun!

          Originally posted by Flowerpower
          Cheeky monkeys! Sounds like they want you to transfer a balance that's totally UE due to lack of agreement to a brand-new, post 2007, fully enforceable credit card they could then take you to court with!

          I can see how many non-AAD members could easily fall for this one!
          They sent details of their offer anyway...
          pay a regular amount off each month that would come to about £217 off the £1400 balance. They then would reduce it to £450 on a CC with a £495 limit and a 30% Interest Rate and I would have to do everything right or they would sting me for the lot!

          Greeeat offer, not.... especially with their CCA/App Form!!

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          • #140
            Re: Pepe2008 Heading for the Sun!

            Originally posted by pepe2008 View Post
            They sent details of their offer anyway...
            pay a regular amount off each month that would come to about £217 off the £1400 balance. They then would reduce it to £450 on a CC with a £495 limit and a 30% Interest Rate and I would have to do everything right or they would sting me for the lot!

            Greeeat offer, not.... especially with their CCA/App Form!!
            Disgraceful that they'd want you to get into more debt to pay this off ...and I bet they'll wonder why you haven't taken them up on their wonderful offer
            Let your smile change the world but don't let the world change your smile

            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.

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            • #141
              Re: Pepe2008 Heading for the Sun!

              A question that has come up, not just from me but another couple of friends.......
              ......do HMRC share information with anyone willing to pay for it ?

              Comment

              • #142
                Re: Pepe2008 Heading for the Sun!

                I have no idea, but its something that I have been wondering about for a couple of years! Theoretically I would have expected them to keep things confidential but then I would have expected DVLA to do the same
                When you have nothing you have nothing to lose

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                • #143
                  Re: Pepe2008 Heading for the Sun!

                  Originally posted by Susie View Post
                  I have no idea, but its something that I have been wondering about for a couple of years! Theoretically I would have expected them to keep things confidential but then I would have expected DVLA to do the same
                  Yes, DVLA are a bit free with their information aren't they !

                  I can't seem to get a definitive answer about HMRC though. There is a list published that shows the DCA's that HMRC have/will use ( Fredricksons etc ) but I would have thought that Personal TAX Records should be sacrosanct. VAT would be different I presume.

                  Would be interesting to know.

                  Comment

                  • #144
                    Re: Pepe2008 Heading for the Sun!

                    Originally posted by Flowerpower
                    I wouldn't think so!

                    See this --->http://www.hmrc.gov.uk/MANUALS/idgmanual/IDG40120.htm
                    Thanks Flower, I'll have an in depth read later.

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                    • #145
                      Re: Pepe2008 Heading for the Sun!

                      Originally posted by Flowerpower
                      That would be within the context of using DCAs to collect unpaid tax, HMRC may well give your contact details to one of them DCAs if you owe them money, for the purpose of collecting that tax money but that wouldn't mean access to your full tax records. ---> http://www.hmrc.gov.uk/about/cap-cap-pilot.pdf
                      Sorry for delay, been over to check out our place in the sun before moving in over the next four months. Grapes harvested and being turned into wine by neighbours as we speak ....

                      Tax and Pensions are the only things left that would need ongoing contact ( via a totally new UK address )..... not that it really matters as it appears that only £600 out of the original £34,000 debts are enforceable anyway !

                      Comment

                      • #146
                        Re: Pepe2008 Heading for the Sun!

                        Originally posted by pepe2008 View Post
                        Sorry for delay, been over to check out our place in the sun before moving in over the next four months. Grapes harvested and being turned into wine by neighbours as we speak ....
                        I'm soooo jealous!

                        Originally posted by pepe2008 View Post
                        Tax and Pensions are the only things left that would need ongoing contact ( via a totally new UK address )..... not that it really matters as it appears that only £600 out of the original £34,000 debts are enforceable anyway !
                        Let your smile change the world but don't let the world change your smile

                        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.

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                        • #147
                          Re: Pepe2008 Heading for the Sun!

                          Originally posted by pepe2008 View Post
                          Sorry for delay, been over to check out our place in the sun before moving in over the next four months. Grapes harvested and being turned into wine by neighbours as we speak ....

                          Tax and Pensions are the only things left that would need ongoing contact ( via a totally new UK address )..... not that it really matters as it appears that only £600 out of the original £34,000 debts are enforceable anyway !
                          nice one - bet you can't wait.... hope you kep a spare room for when I visit
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                          • #148
                            Re: Pepe2008 Heading for the Sun!

                            Originally posted by pepe2008 View Post
                            Sorry for delay, been over to check out our place in the sun before moving in over the next four months. Grapes harvested and being turned into wine by neighbours as we speak ....

                            Tax and Pensions are the only things left that would need ongoing contact ( via a totally new UK address )..... not that it really matters as it appears that only £600 out of the original £34,000 debts are enforceable anyway !
                            Nice one!

                            Enjoy your new life in the sun, debt free!
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            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.

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                            • #149
                              Re: Pepe2008 Heading for the Sun!

                              May I wish you luck and much Happiness in your new home

                              and may a large elephant fall from the sky, onto the first DCA that tracks you down

                              NW
                              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.

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                              • #150
                                Re: Pepe2008 Heading for the Sun!

                                Originally posted by pepe2008 View Post
                                Sorry for delay, been over to check out our place in the sun before moving in over the next four months. Grapes harvested and being turned into wine by neighbours as we speak ....
                                I'm jealous too!! Sounds fabulous


                                Originally posted by nightwatch View Post

                                and may a large elephant fall from the sky, onto the first DCA that tracks you down

                                NW

                                "If wishes were horses, beggars would ride"

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