MBNA card from 2005
defaulted 2012
MBNA passed to Aktiv Kapital
court proceedings
I argued unenforceabilty on grounds that the copy of the agreement supplied was not readable.
Claimant argued that providing the t&cs in addition to the copy was okay. judge agreed....

Private investigator hit with £89,000 penalty

This is a duplicate of the Blog Entry made on 5th May 2014 16:39.

A man who ran a company that tricked organisations into revealing personal details about customers has today been ordered to pay a total of £20,000...
...

In brief they say they sent me one but won't produce a copy and say they don't need to. I'd like to see if a notice from that period is written correctly. Has anybody got one that I could look at? Obviously I don't need your personal details Thanks.

Research has found that some people are still using passwords that are easy to crack, with the worst one revealed to be '123456'.

The basic numerical sequence tops the list of 25 of the most commonly used passwords, displacing the previous first place, which was the fiendishly clever 'password'....

Private investigators convicted of unlawfully obtaining personal information

This is a duplicate of the Blog Entry made on 13th December 2013 21:34.

Two men who ran a company that tricked organisations into revealing personal details about customers have today been found...

Block on cold calls not working, says Which?

This is a duplicate of the Blog Entry made on 13th October 2013 12:11.

Millions of people are signed up to a system designed to stop unsolicited sales and marketing calls, but some are still receiving up to 10 calls a...
...

I have had some default on loan and cc, just thought it is about time to try the un-enforceability route.

List of account

Llyods (Fairfax Solicitors): Status - Default 2011
CCA sent out 28/08/13
...

Marlin took over my old Egg loan last month. They appear to have bought it off Arrow, who had previously agreed a repayment plan of £16 pm.

I've been paying this old debt monthly since it defaulted in 2006.

I had an Egg Default filed on my CRFs for 6 years and that came...

Hi

I gained a default in 2002 and worked hard to pay off my debts. Lesson well and truly learned, I've spent the years since repaying all my debts, living like a pauper and ensuring nothing else went sideways.

After all that, as of last year, the only remaining debt I had was...

Right i tried the nicely nice approach to PDLs i owe and for two months have got nowhere at all! So i am switching to Niddys PDL Templates (the living in car ones! ) and thought it would be good to create a topic seeing how we get on. Something tells me this topic could run for a year or two, in...

do DCAS have access to names and addresses at the CRAs,

Millions of voters' personal details are being sold to junk mail companies by councils

This is a duplicate of the Blog Entry made on 17th December 2012 15:31.

Local authorities have made £3 million in the past five years by selling information from the electoral roll...

I just had an alert on my equifax account saying that on the 11/12/12 Admiral made a search on me.

I know they sometimes search when you do a quote , but I haven't done any searches for over a month and I have no products with them ( I'm on my daughter's policy with Diamond which is part...

Just wanted to share my Car Parking experience.

I parked up in a local town center parking position and duly purchased a ticket from the nearest machine, placing said ticket clearly in view on my vehicle. Sighting the Ticket enforcement officer in his little van as I walked into Town...

After sending the ''in dispute'' letter from here, some months ago, I've received a letter and copy of an application form purporting to be a CCA from Lowells regarding a Barclaycard account.
My signature and some personal details are on the application, but not much else. Is it now a good time...