Evening.
Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
The newish rules say that a credit agreement is required for overdrafts after 2011.
In this case however the 'draft was...
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Father in law chased for fine he doesn't owe by B W Legal
Hey guys.
OK so my father in law is a volunteer at his local hospital and as such is not required to pay for parking when he is there. He just needs to display a permit.
Back in December 2010 he was given a parking fine by excel claiming he didn't display a valid ticket,... -
Wife's letter threatening Howard Cohen from Robinson Way
My wife has received a letter from Robinson Way giving her 10 days to come to a repayment agreement for her Barclaycard account or they will put in the hands of Cohen for legal action. We sent for the CCA some time ago and received the usual T&Cs and nothing resembling an actual agreement from Barclaycard... -
Moorgate Loan Servicing
Just info' really.
I have a long running history with Moorgate who cannot produce a CCA to enforce an alleged debt and have admitted by letter, as did their solicitors Shoosmiths, that no legal action could be taken without it. They communicate with me regularly threatening home visits which... -
First bus bond repayment
Looking for a bit of advice on what to write in a letter to First Bus. My son worked for first bus for just over a year, leaving due to awful shift pattern. He signed an agreement to pay for a bond for his training over the next two years.
He's had a letter reminding him he needs to... -
Next CCA
Hi,
Just received my wife's credit agreement for her next directory account.
The agreement does not contain any information with regards her personal details or signature.
What should we do now, it has also come with what looks like and standard letter.... -
Cabot Financial/Restons Solicitors/Capital One
Hi
I have recently received a few letters from Cabot Financial (Marlin) Ltd regarding an outstanding amount to Capital One. It's only a small amount of £336.63 but I don't have the money to pay it off. I ignored their letters and have now received a letter from Restons Solicitors giving... -
Is this my best option
Hi all I have posted before about my financial situation and I have negotiated a payment plan of one pound for each creditor one for 12 months and the other for six months. I owe in total 18000. 16000 on a loan and 2000 on a credit card.
I have been offered work but as an apprentice for... -
Lending Stream and Sunny Problems
Hi
I am in need of a little advice. I currently have 3 loans with Lending Stream and 3 loans with Sunny and unfortunately am unable to make the full payments. I have contacted them with regards a repayment plan but have yet to hear from them.
I want to know if I will get into... -
Neighbour Smokes Weed Outside
Hey guys,
I feel really bad about having a problem with this and I don't know why? Everyone has a right to do what they want, however, as a non smoking family we've moved into our new house not knowing that our next door neighbour smokes weed multiple times a day, outside. Now normally... -
Pre Action Protocol Letter Received!!!!
HELP
I've received the following email from a DCA
INTENDED LEGAL ACTION PRE-ACTION PROTOCOL
Date of Notice :08/10/2015
Agreement Number :PP
Dear TibetanMonk,
Outstanding Balance: £397.60
Intended Action:... -
Amigo GuarantorTroubles
I have acted as a guarantor to a loan taken out with Amigo.
To cut a long story short, the situation is that after making payments for approximately a year, neither myself nor the person I guaranteed the loan for can no longer afford full monthly repayments following substantial loss of... -
Cabot
Cabot
This is a duplicate of the Blog Entry made on: 20th September 2015 19:19
Has anyone had any threats from Cabot this year?...
Anything, from a threat of legal action to a demand for money - if so please post here....
Their FCA authorisation expired -
Cabot
Has anyone had any threats from Cabot this year?
Anything, from a threat of legal action to a demand for money - if so please post here....
Their FCA authorisation expired some months ago - hence anything they have done (in a regulated capacity since Feb 2015) would be a criminal... -
Possible LBA after Lowell close account
My daughter had a very old LTSB account which has been sold to Lowells. She sent a CCA request to Lowell a year ago and received a reply saying that LTSB did not have the original agreement due to the age of the account and
"We are closing your account. At this time we have closed...