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  • mystery1's Avatar
    Today, 11:04:AM
    Indeed. That's what you'll reply. Don't forget you've already won and it's just about costs now. M1
    51 replies | 2800 view(s)
  • mystery1's Avatar
    Today, 11:02:AM
    Yes but they need to be supplied with "both the name of the driver and a current address for service for the driver." They probably were but if you get a letter from Mrs Smith with her address on the top of the letter and all it says is Mr Smith...
    22 replies | 196 view(s)
  • pt2537's Avatar
    Today, 11:01:AM
    One thing that people need to bear in mind, is that while they may well have defective documents, with massive errors in them, the creditors will not roll over and say ok we agree. Just look at Brandon v Amex, Grace v Blackhorse, Kotecha v Phoenix...
    87 replies | 2649 view(s)
  • sloane82's Avatar
    Today, 10:40:AM
    sloane82 replied to a thread Halifax Bank in Welcome Forum
    I never said that I mentioned that I was in financial difficulties and had a lot of charges on my account, there were thousands of pounds worth of charges, what grounds do I have of claiming them back?
    13 replies | 326 view(s)
  • 06868bev's Avatar
    Today, 10:09:AM
    Hi I have had further correspondence from BW legal as attached. How much longer is this going to take before they take me to court..? I wish they would shit or get off the pot..!!!!! Any advice would be greatly appreciated.. Kind Regards
    58 replies | 6140 view(s)
  • Diana M's Avatar
    Today, 09:56:AM
    Did the operator say why they were unable to retrieve the credit agreement from MBNA? What exactly did they say? Was it that they had requested it but were told it was not available or did they say that PRA don't have access to MBNA...
    3 replies | 56 view(s)
  • enaid's Avatar
    Today, 09:39:AM
    I would also add if the full facts re the tenancy had been told, that the children were old enough to take on the tenancy it was up to the council to decide who took over. The spouse does have priority normally but the kids have rights too re...
    4 replies | 57 view(s)
  • des8's Avatar
    Today, 09:30:AM
    Further to my post above I was hoping that someone with more knowledge would pop up and say "hang on,There is The Inheritance (Provision for Family and Dependants) Act 1975, which allows for even adult children to make a claim against the intestate ...
    4 replies | 57 view(s)
  • Diana M's Avatar
    Today, 09:26:AM
    My answer to your question is making an offer to settle can send out the signal that you've got access to funds which in turn can make PRA perceive the debt to be now collectable. They can be very litigious. So if you haven't already sent a...
    3 replies | 56 view(s)
  • warwick65's Avatar
    Today, 09:12:AM
    I don't find anything odd and have sent many CCA requests over the last few years Some creditors cash the cheque and some don't but the law says that you need to send a fee for the request and if you do it correctly and they do not send the...
    35 replies | 336 view(s)
  • ostell's Avatar
    Today, 09:08:AM
    So the ticket machine missed the first character typed? Not a mistype but an error in the machine, again.
    3 replies | 44 view(s)
  • warwick65's Avatar
    Today, 09:06:AM
    Warpa yes that is correct using the S77 procedure that PT said , it is S77 for a loan and S78 for a credit card , the majority of the cases on here are S78 which may account for PT's typo I must stress, Suzy's advice is not so hot. It leaves...
    35 replies | 336 view(s)
  • nemesis45's Avatar
    Today, 09:04:AM
    Good morning, Did you make a formal request for the agreement (CCA Request under the provisions of s 77/78/79 of CCA 1974 together with the required £1.00 Statutory Fee? nem
    3 replies | 56 view(s)
  • AFC's Avatar
    Today, 08:21:AM
    Hi, I've read with interest some of the posts on here and find them very helpful. However, I can't find anything in the forum specific to my problem. I have an outstanding debt with PRA that started life as a defaulted MBNA card from 2009, initial...
    3 replies | 56 view(s)
  • des8's Avatar
    Today, 08:13:AM
    Hi and welcome I feel for your nehew and neice, but assuming they are in England or Wales, and your sisters estate was valued at less than £250,000, it all goes to her surviving...
    4 replies | 57 view(s)
  • wales01man's Avatar
    Today, 07:58:AM
    He may of broken the law but as he took money from his wifes account might be hard to get anything done. He may be legally entitled to the possessions you would have to prove he is not? Why should the council check their ages would expect they...
    4 replies | 57 view(s)
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