Massive debts

gargrave50

Finally remembered how to upload to photobucket. The link is below to the original letter my HBOS Visa response refers to

http://s740.photobucket.com/albums/xx46/gargrave50/hbos%20visa%20letter/

Tixy

So in muppet's letter of the 13 Jan he does say he will arrange for a signed copy of the agreement to be sent to you under seperate cover (signed not even a true copy no less!). I'm assuming that as of 6 May that still hasn't got to you?! Or was that when you got another useless application leaflet?

We've missed your letters, I do so like the way you write them. Next step the FO complaint I assume?

maz1964

gargrave50 wrote: »

Ok so to clarify the actual life plan.

Get rid of the debt (all of it).

Fight the good fight with the CCAs they don't have.

When debt free, saving for a large deposit so that we can sell up and move to a bigger house.

If only it were as simple as making a list

Hiya lovely to see you back and with fighting spirit, yes i agree, i too am in the same position as above

however, with just a little effort each day our dreams will become a reality, well thats what i keep doing and what i keep saying to myself:rotfl: its kind of working, im planning all my efforts and drew up a sheet of where im at and what im working on getting rid of ie the debts, and keep chipping away and ive planned my weekly payments too, so in a way its giving me focus too in that direction

all in all, its very educating and soul searching at the same time

ive learnt so much that its all positive and what a great feeling when we are finally free of the debts! keep the faith take care all have a sunny day MAZ:T

ghostmadlittlemiss

gargrave50 wrote: »

No luck yet Tixy , but the silver lining is that there is as much overtime down here as you can throw a stick at which wouldn't be available at home.

I've drafted a response to Bank of Scotland (I plan to upload their letter to photobucket so you know what I'm responding to!!!), and would be grateful for your thoughts - and anyone else who cares to comment! I'll post the photobucket link with their response separately!

Tim Ryan
Customer Care Manager
Bank of Scotland
PO Box 718
Leeds
LS1 9GB

Dear Mr Ryan,

ACCOUNT IN DISPUTE.
Account Number 4560 XXXXXXXXXXXXXXX

Thank you for your letter of 13th January 2010, and I apologise for the delay in my response.

In particular I wish to address some of the “reasons” you give behind being unable to withhold my complaint. Furthermore I wish to notify you that the account is currently the subject of a complaint being considered by the Financial Ombudsman.

It is with regret that I must inform you that much of your “explanation” is factually incorrect.

Your letter refers to correspondence by Ms Ellie Bliss of 20th November. The paragraph in question refers to terms and conditions of an account for which you have been unable to provide a true copy of the consumer credit agreement. As such any terms and conditions are surely not applicable. Unless you are able to provide a true copy of said agreement I am sure that the terms and conditions cannot be upheld? You have shared my personal information with third parties, without being able to provide a true copy of the very document which when signed implies my agreement to such information sharing. You state that Ms Bliss explained in August 2009 that you have in fact sent the relevant documents to demonstrate a fully executed agreement under section 78 of the Consumer Credit Act 1974. However, you do not state what these “documents” are. The only documents I have received from Bank of Scotland, is a photocopy of an application leaflet. You will be aware that this DOES NOT demonstrate a fully executed agreement under the Consumer Credit Act 1974.

The next paragraph of your response refers to enforcement action. Enforcement action IS NOT permitted while my request under the Consumer Credit Act remains outstanding. As described above, my request has clearly not been satisfied, therefore the remainder of your explanation under this point is redundant and completely non applicable. You refer to a “true copy”, and the fact that a signature box etc may not be included, however you have not provided me with ANY copy of said agreement despite your written assurances that you would. You sent under separate cover a further photocopy of an application form leaflet.

Therefore you must agree that being unable to provide a copy of the very agreement which implies my consent to sharing of my personal information, means that you are in fact in breach of the Data Protection Act, and I wish to pursue this complaint separately.

I understand that you have provided your final response on the matter, however I wished to clarify the basis of my complaint to the Financial Ombudsman.

Lots of love xxxx

Not sure I'd personally sign it 'lots of love', it might come off as unprofessional/sarcastic. Just my opinion there though. Well done on all the debt busting so far, you're doing really well.
Kayleigh

gargrave50

Sorry Kayleigh, I obviously haven't really signed it like that - just the little sarcasm I like to throw into my postings .

I have of course used the old "yours faithfully" - even I am not that cheeky.

gargrave50

Tixy wrote: »

So in muppet's letter of the 13 Jan he does say he will arrange for a signed copy of the agreement to be sent to you under seperate cover (signed not even a true copy no less!). I'm assuming that as of 6 May that still hasn't got to you?! Or was that when you got another useless application leaflet?

We've missed your letters, I do so like the way you write them. Next step the FO complaint I assume?

They have of course sent under separate cover a further copy of the alleged application leaflet. I now have 5 "copies" and another tree is dead:rotfl::rotfl::rotfl::rotfl:.

Hope the letter wasn't too cheeky:rotfl:, but I'm pleased I've not lost my touch!:D

NEXT!!!!

gargrave50

My progress towards my £500 target for 1 debt vs 100 days.

Booked some more bank shifts last night - total now booked = 7 shifts = £1500 approx after tax

gargrave50

FOS HBOS Visa complaint done and dusted. Cross your fingers everyone. I have sent them the muppets letter as per the link above with the application form photocopy and a copy of my requests for said information. xx J

gargrave50

Back in the saddle again - feels great to be taking control once again. Online just quickly as I'm just finished nightshift. Just want to compile an up to date list of my total debt, then off to the land of nod

gargrave50

Total debt down (very slightly) to £21,154.61:j:j

Barclaycard are next in my sights, so watch out Mercers and all the other associated scumbags. Planning on making a proper debt plan over the next few days. Starting well by compiling an up to date list of debt .

The 2 x CCA's I know don't exist total around £8.5k and would make my year WHEN I eventually get some success with these :money:.

Plan to work out my debt free date again once I can get home to get all the relevant papers out.

Hoping I can muster enough energy on Sunday to list my ebay items as its free listing this weekend.:cool:. Just received £767.14 in my bank account for 3 of the shifts I worked when I was stuck down here with the ash cloud. They still owe me around £260 so hoping for that next week. However, my payslip will be in work when I go back in tonight so will check it all adds up because I was expecting more (£1k).

Off to sleep now, up at 5pm to reek havoc on Barclaycard:p