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General Debt Issues | Forum profile
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Forum profile page for General Debt Issues on http://www.consumeractiongroup.co.uk.
This report page is the aggregated overview from a single forum: General Debt Issues, located on the Message Board at http://www.consumeractiongroup.co.uk.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "General Debt Issues" on the Message Board at http://www.consumeractiongroup.co.uk is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on General Debt Issues:
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3 Months
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Threads:
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150
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2,470
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Post:
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General Debt Issues Posting activity graph:
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Top authors during last week:
user's latest post:
Does a Credit Agreement have to...
Published (2009-11-28 21:19:00)
Quote: But it only applies to agreementsa prior to April 5th 2007 now (so I am led to believe). It doesn't, they still have to provide a 'true copy', besides you could bring them to 'Strict Proof' if it went to court & they would have to produce it under disclosure.
user's latest post:
CCA cap one please look
Published (2009-11-28 12:56:00)
I would suggest you remove the bar codes and the ref number from this letter as Cap One could identify you from these.
user's latest post:
Ruthbridge Ltd - Page 10 - The...
Published (2009-11-28 22:59:00)
Hi Michael not large enough to be brought down by the oppressed people persecuted by a corrupt company seems like a one man band with a lot of silly names. Ex Military Provost supporting our troops
user's latest post:
Tale of a Dodgy DN - Further...
Published (2009-11-28 22:22:00)
Would you agree diddydicky that it is all subjective? I mean I have an issue where a creditor has stated that their default notice is NOT a termination of contract despite the wording appearing as you stated. But when asked for the termination notice, for a completely separate account but same creditor, they claim the default notice IS classed as a termination and their court action is valid. In other words, creditors will use whatever meaning...
user's latest post:
MBNA CCA is it enforceable ?
Published (2009-11-28 11:26:00)
Abbey Cards are run by MBNA they have sent this out possibly because this is the only thing they have for me as the card I requested the CCA for was initially a Bank of Scotland card which MBNA took over some time ago. I also requested from them a CCA for a Virgin Card but nothing has been returned for this.
user's latest post:
Default help please
Published (2009-11-28 15:29:00)
Hi i am going to give you a little bump up
user's latest post:
MBNA CCA is it enforceable ?
Published (2009-11-28 13:57:00)
Ok Mitch, Then if the time has expired in which they are entitled to respond to your CCA request have you placed the accounts in dispute with the template letter from here?
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Latest active threads on General Debt Issues::
Started 2 weeks ago (2009-11-17 18:26:00)
by cerberusalert
I'd be tempted to send them Scots letter below & see what their response is; Re: my request under the Consumer Credit Act 1974
Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974.
The Act demands that ...
Started 1 year, 7 months ago (2008-04-12 08:48:00)
by ODC
I hope you have learned the GOLDEN RULE of CAG - NEVER SPEAK TO A DCA ON THE PHONE Rather than sending letter N send this instead Dear Sir/Madam
You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.
I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).
I am/we...
Started 3 months, 2 weeks ago (2009-08-15 22:03:00)
by IdaInFife
no cca means not enforceable throught the courts
if they were to issue court proceedings then this would be your defense
it will trash your credit files as these are difficult to clear with no caa as the debt still exists
now welcome there is alot wrong with some of the agreements as well so thats another thing can be checked when you receive your response
good luck and just give ...
Started 4 months, 3 weeks ago (2009-07-07 10:14:00)
by I've got no money
Quote:
Originally Posted by lexis200 If this was the case then surely we'd be able to use the facilities afforded by the agreement - ie using the cards normally? The agreement can't carry on as a one sided affair, as that would mean they have an unfair advantage over the consumer. Not necessarily - as I keep saying I am just not sure - I don't think that it is at ...
Started 4 days, 13 hours ago (2009-11-27 15:53:00)
by reallymadwoman
So the 'agreement' sent by the bank has an address that you didn't live at at the time?
I'm not sure what effect the lack of a date will have, but if they've perhaps recently completed a blank agreement perhaps with your details and perhaps trying to pretend it's a copy of the original agreement they will be well and truly stuffed.
Started 1 month ago (2009-10-27 23:33:00)
by Desperate Daniella
Started 4 days, 5 hours ago (2009-11-27 23:36:00)
by exasperated
Hi
Welcome to CAG
In my opinion you will not be able to just close the debit account without challenging the penalty charges and your reasoning behind it. I suspect if you ask to close it the creditor will refuse.
Did you cancel your Direct debit before it was due to go out? The Direct Debit Guarantee • The Guarantee is offered by all Banks and ...
Started 1 month, 3 weeks ago (2009-10-06 09:21:00)
by holley
Anyone help please. I've looked at some of the other threads and this seems
to be an application form not a proper agreement I also had a credit
agreement but nothing specific to my account
Started 11 months ago (2009-01-04 13:44:00)
by nuke em
How credit cards & bank loans REALLY work - Learn, & this will change your whole life!! 97% of all our Money is created as debt
The ostensible justification for allowing lenders to charge whatever the market will bear is that it recognizes the time value of money. Lenders are said to be entitled to this fee in return for foregoing the use of their money for a period of time. ...
Started 1 year, 2 months ago (2008-09-14 17:14:00)
by questioning
It would help to know what date the CC was taken out.
How you proceed depends on what the result is from your CCA request.
This is a guide to what you need to know about the agreement they send, if they do send one. They are in default if they have not supplied the agreement 12 + 2 working days from when you sent it. Is My Agreement Enforceable - Useful
How you proceed if they default ...
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Hot threads for last week on General Debt Issues::
Started 1 year, 7 months ago (2008-04-12 08:48:00)
by ODC
I hope you have learned the GOLDEN RULE of CAG - NEVER SPEAK TO A DCA ON THE PHONE Rather than sending letter N send this instead Dear Sir/Madam
You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.
I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).
I am/we...
Started 4 days, 13 hours ago (2009-11-27 15:53:00)
by reallymadwoman
So the 'agreement' sent by the bank has an address that you didn't live at at the time?
I'm not sure what effect the lack of a date will have, but if they've perhaps recently completed a blank agreement perhaps with your details and perhaps trying to pretend it's a copy of the original agreement they will be well and truly stuffed.
Started 4 months, 3 weeks ago (2009-07-07 10:14:00)
by I've got no money
Quote:
Originally Posted by lexis200 If this was the case then surely we'd be able to use the facilities afforded by the agreement - ie using the cards normally? The agreement can't carry on as a one sided affair, as that would mean they have an unfair advantage over the consumer. Not necessarily - as I keep saying I am just not sure - I don't think that it is at ...
Started 1 year, 2 months ago (2008-09-15 15:34:00)
by The GodMother
sent them a prove it letter i think that way they should give u info that u need. Dear Sir/Madam
You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.
I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).
I am/we are familiar with the Office of Fair Trading Debt ...
Started 1 week, 1 day ago (2009-11-23 14:30:00)
by alfwithhair
Hello and welcome to CAG
It is not quite so cut and dried as you think.
What the bank is saying is they cannot find your signed agreement, so this would prevent them from enforcing it through the courts, hence them making you such a generous offer of re-payment, but I would not beleive anything they say on the phone, so wait till they confirm it in writing.
However this does not mean the ...
Started 1 year, 9 months ago (2008-02-26 17:00:00)
by maroondevo52
Hi, marjie.
This thread might help you, until someone, better clued up on the subject comes along. Is My Agreement Enforceable - Useful
Regards.
Scott.
Started 5 months, 1 week ago (2009-06-21 20:34:00)
by cerberusalert
It doesn't contain the prescribed terms within the four corners of the agreement so is unenforceable, see; Consumer Credit Agreements - a guide to enforceability
Started 4 days, 19 hours ago (2009-11-27 09:41:00)
by sailor58
take it to your c.a.b, they will tell you straight away if its ok or not.
Started 4 days, 7 hours ago (2009-11-27 22:00:00)
by maroondevo52
Hello and Welcome,
What was the debt ?
Started 4 days, 11 hours ago (2009-11-27 17:49:00)
by postggj
what a load of rollocks from cabot again
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