Thames credit

[Curlyben]

Re: Thames credit

yes, but at present that means more beer

[fuzzybrain]

Re: Thames credit

Okay, that's gone way over my head!!! Can you translate for me please???

[fuzzybrain]

Re: Thames credit

Payments i have made to TC

[Curlyben]

Re: Thames credit

Ta much.

What's with the 2k jump at the end ??

[fuzzybrain]

Re: Thames credit

Because I cancelled the DD they kindly decided that they would add interest to the debt. But it's ok coz if I start a re payment plan with them they will take it off again. Aren't they just wonderfully generous!!!

Hmmmmmmmmmmmm little pink pig files over the moon!!!

[Curlyben]

Re: Thames credit

Oh dear.
I wonder what it's like in their world

[fuzzybrain]

Re: Thames credit

I don't know, but i think I would be to be highly medicated to get to their state of delusion!

Actually i have flu at the moment and feel horrrible, but have to be at work coz everyine else has either left or is long term sick, so i wouldn't mind a few hours in their world!!!

[fuzzybrain]

Re: Thames credit

Thanks to the wonderfully talented and ingenious CurlyBen I have sent Thames Credit a lovely letter requesting the return of all the payments I have made, plus interest. A total claim of £858.49. They have until the 26th Jan to respond.

Any bets on whether i get a reply???

[Curlyben]

Re: Thames credit

Something along these lines I bet:

[fuzzybrain]

Re: Thames credit

I guess that sort of fair - after all I am now using their letters to line my cat litter tray with as it's all its good for!!

[fuzzybrain]

Re: Thames credit

Finally got a response yesterday!! They have now actually sent what they think constitutes a CCA, however I don't think it meets much of the criteria. They have also said some waffle about not having to send a copy of deed of assignment. They state that a letter they sent on the 21/04/04 of BC's notification covers it, but they never sent that letter with the SAR stuff!! Also there is no mention of it what so ever on the notes that they sent - the notes don't start until 05/05/04!!

What's my next step? Do I continue with the court action, or should i try to get them to admit that this debt is unenforceable first? Should I be complaining to the FSA/OFT etc???

[fuzzybrain]

Re: Thames credit

fILES

[fuzzybrain]

Re: Thames credit

Last one (promise)

[Curlyben]

Re: Thames credit

Well what they have sent is COMPLETELY unacceptable and totally non-compliant.
I see no prescribed terms at all !!!
Nice of them to confirm that they don't have an executed agreement at all

Let me think on this and I'll post you a letter for them.

I love the last part of the last letter as they refer to adding interest in accordance with the B'card T&C, which they haven't even bothered to include !!!

No matter they are on a hiding to nothing here and I think they know it.

Next letter will be an LBA then filing in court.

[fuzzybrain]

Re: Thames credit

They aren't going to roll over on this one are they!! so court action is going to be necessary. What can i do to prepare for this - I am reading through the CCA stuff and why it is isn't compliant (they are so many reasons why what they sent isn't compliant it's hard to know where to start!!)

Should i be reporting them to Trading Standards/FSA/OFT etc as they are clearing breaching rules by requesting payment - not to mention the addition of nearly £3,00 worth of interest!! Especially 2 lots a month!!!

They have more bottle than unigate!!!